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Small Business
UTAH EDITION 2020
resource guide
START
GROW
EXPAND
YOUR BUSINESS 1
2
CONTENTS
Utah Edition 2020
Local Business Funding
Assistance Programs
8 Local Success Story 26 National Success Story
Natalie Kaddas wanted to Jennifer and Jeff Herbert’s
handle her business’s growth meadery has expanded into a
with care, so she turned to the multimillion dollar enterprise
SBA for financing assistance. thanks to SBA assistance.
11 Local SBA 29 SBA Lenders
Resource Partners
32 Financing 101
13 Your Advocates
33 Need Financing?
14 How to Start a Business
34 Go Global with
18 Entrepreneurial Resources International Trade
20 Emerging Leaders 36 R&D Opportunities for
High Growth Startups
21 10 Steps to Start
Your Business 38 National Success Story
Cheeseburger Baby owner
22 Opportunities for Veterans Stephanie Vitori persevered
through a financial storm and a
24 Write Your Business Plan natural disaster.
42 Surety Bonds
Contracting
44 National Success Story
Jennifer Rahn steers the course
for Admiral Engineering,
succeeding as a small business
subcontractor.
47 Government Contracting
48 SBA Certification
Programs
49 Woman-Owned Small
Business Certification
ON THE COVER Natalie Kaddas, courtesy of Kaddas Enterprises; Brian Noguera,
courtesy of Maize Tacos; September Myers, courtesy of the Sundance Consulting; Bert
Ortiz, courtesy of AVMAC Inc.
3
U.S. SMALL BUSINESS ADMINISTRATION
A MESSAGE FROM THE ADMINISTRATOR
I
t is my honor to serve as Administrator among entrepreneurs in disadvantaged
of the U.S. Small Business communities, and continuing to prioritize
Administration, leading a dedicated disaster relief.
team of talented individuals across Within this resource guide, you will learn
America who are focused on helping more about the tremendous tools the SBA
entrepreneurs start, grow, and expand provides small businesses through our 68
their small businesses. The SBA is here to District Offices and numerous Resource
support the prosperity and longevity of our Partners, such as our Small Business
nation’s small businesses with timely and Development Centers, our SCORE mentoring
innovative resources to help them thrive in network, Women’s Business Centers, and
today’s economy. America’s entrepreneurs Veterans Business Outreach Centers. Featured
are innovators, risk-takers, and the catalyst in this guide are some of the remarkable
for employment opportunities within their success stories of entrepreneurs who partnered
communities, and they are what makes our with the SBA to take their businesses to the
economy so strong and dynamic. next level. The SBA encourages you to also
As we enter a new decade of possibilities, utilize these resources to help strengthen and
small businesses have a remarkable meet your business goals.
opportunity to continue building upon the
Sincerely,
success we’ve seen in our economy over the
last three years. As the voice for America’s
30 million small businesses, I am eager
to advocate on entrepreneurs’ behalf as a
Jovita Carranza
member of the President’s Cabinet. Whether
SBA Administrator
it’s seeking access to capital, government
contracting opportunities, business
mentoring, or assistance with disaster
recovery, the SBA is ready and determined to
help our customers succeed.
The SBA remains committed to continuing
our support of America’s entrepreneurs
and making an even bigger impact in
communities across the country. In
particular, the SBA is focused on elevating
female entrepreneurs and our military
veterans, expanding access to SBA resources
WE MAKE SMALL BUSINESS
OUR BUSINESS.
START • GROW • EXPAND • RECOVER
4
5
PUBLISHED BY
New South Media, Inc.
304.413.0104 | newsouthmedia.com
PUBLISHER
Nikki Bowman, nikki@newsouthmediainc.com
DESIGNER
Hayley Richard, hayley@newsouthmediainc.com
MANAGING EDITOR
Holly Leleux-Thubron, holly@newsouthmediainc.com
ASSOCIATE EDITORS
Pam Kasey, pam@newsouthmediainc.com
OPER ATIONS MANAGER
Meggan Hoyman, info@newsouthmediainc.com
ADVERTISING SALES DIRECTOR
Heather Mills McIntyre, heather@newsouthmediainc.com
ADVERTISING SALES
Kelley McGinnis, Bryson Taylor
sba@newsouthmediainc.com
Copyright: New South Media, Inc. Reproduction in part or whole is strictly prohib-
ited without the express written permission of the publisher.
© 2020 NEW SOUTH MEDIA, INC., ALL RIGHTS RESERVED
The U.S. Small Business Administration’s Office of Marketing & Customer Service
directs the publication of the Small Business Resource Guide under SBA Contract
#SBAHQ-17-C-0018. SBA publication winter 2020 national edition #mcs-0134
WRITER/EDITOR
Becky Bosshart
(202) 205-6677
rebecca.bosshart@sba.gov
DIRECTOR OF MARKETING
Paula Panissidi Tavares
paula.tavares@sba.gov
The SBA’s participation in this publication is not an endorsement of the views,
opinions, products or services of the contractor or any advertiser or other participant
appearing here. All SBA programs and services are extended to the public on a nondis-
criminatory basis.
Directory listings do not constitute or imply an endorsement by the SBA of any
opinions, products, or services of any private individual or entity.
Printed in the United States of America.
While every reasonable effort has been made to ensure that the information con-
tained here is accurate as of the date of publication, the information is subject to
change without notice. The contractor that publishes this guide, the federal govern-
ment, or agents thereof shall not be held liable for any damages arising from the use
of or reliance on the information contained in this publication.
6
SBA Utah District Office
125 S. State St., suite 2227
Salt Lake City, UT
(801) 524-3209
Fax (801) 524-4410
utahgeneral@sba.gov
sba.gov/ut
@SBA_Utah
District Director Letter District Director Lender Relations
W
Marla Trollan Specialists
elcome to the 2020 Utah edition of the U.S. Small Business (801) 524-3200 Karl Wernick
Administration’s Small Business Resource Guide. This guide directs marla.trollan@sba.gov (801) 524-3210
small business owners and entrepreneurs in how to start, grow, karl.wernick@sba.gov
expand, or recover after a disaster. I hope you will find it helpful as you pursue Deputy District
Don MacMillan
your goals for small business ownership. Director
(801) 524-3226
Utah’s small businesses are vital to the health of our state and national Christopher Stever
don.macmillian@sba.gov
economy. As you launch new technologies and develop industry-leading (801) 524-3215
innovations, you’re also delivering essential goods and services. You’re christopher.stever@ Paralegal Specialist
creating economic growth, generating two out of every three new jobs in Utah. sba.gov Sharlene Miller
Your business is helping sustain the local tax base and supporting community (801) 524-3221
District Counsel
organizations. The Utah district office assists all small business owners, sharlene.miller@sba.gov
John Gygi
celebrating the entrepreneurial spirit every day. The SBA provides financial
(801) 524-3205
assistance through our SBA-backed loan guarantees. We support and fund Public Affairs
john.gygi@sba.gov
small business counseling through our SBA Resource Partners. We counsel Specialist
entrepreneurs on how to best compete for government contracts. Here’s what Siobhan Carlile
Administrative Officer
you can do to improve your business in 2020: (801) 524-3217
Cheryl Richens
• Find a business adviser via our network of SBA Resource Partners, siobhan.carlile@sba.gov
(801) 524-3219
which includes Small Business Development Centers, SCORE mentors, cheryl.richens@sba.gov
Women’s Business Centers, and the Veterans Business Outreach Center,
all powered by the SBA. Business Opportunity
• Look to see if SBA-backed financing is right for you. Last year, Utah Specialist
business owners qualified for $511 million in SBA-backed loans from Cody Neville
our 65 local lenders. The entrepreneurs that qualified for funding then (801) 524-3206
went on to hire thousands of new employees, buy needed equipment, cody.neville@sba.gov
or build/renovate facilities.
• Research government contracting. Last year, Utah businesses brought Economic Development
in $213 million in federal contract awards. Specialists
Stay up to date on SBA events near you and get valuable Utah business Rachel Bennett
information by following us @SBA_Utah. Register for e-mail updates at (801) 524-3204
sba.gov/updates. Use our Small Business Resource Guide to power your dream rachel.bennett@sba.gov
of starting, growing, or expanding your small business here in Utah. Ian Lorenzana
(801) 524-3218
Sincerely,
ian.lorenzana@sba.gov
Marla Trollan Melinda Workman
District Director (801) 524-3213
melinda.workman@
sba.gov
7
LOCAL BUSINESS
ASSISTANCE
How I Did It
Natalie
Kaddas
COURTESY OF KADDAS ENTERPRISES
President/CEO, Kaddas Enterprises Inc.
Salt Lake City, UT
8
LOCAL BUSINESS ASSISTANCE
N
atalie Kaddas wanted to Benefit
handle her business’s Kaddas has grown its exporting
growth with care, so she business exponentially in the last six
turned to the SBA for years. We now export to 12 countries.
financing assistance. Because of my success and experience
For over 50 years, Kaddas Enterprises as a woman chief executive, I’ve been
has manufactured thermoform plastic able to mentor and encourage other
for the medical, transportation, women small business owners. I’m a
and utility industries. Natalie is the member of the Utah District Export
second generation owner of the family Council, where I can encourage small
business. Kaddas Enterprises also business owners to participate in trade
manufactures polymer products for the missions. I encourage them to research
aviation industry. Natalie leads a team exporting as a way to stabilize seasonal
that provides full-service engineering, sales and become less dependent on
from consultation and drafting through any one market. If you are interested in
prototype creation and production. international trade, a great first step is
to attend our conferences and use the
Challenge resources provided through the SBA,
We always wanted to expand here in Small Business Development Center
Utah and export our quality products network, World Trade Center Utah, and
abroad. Access to capital is always a the U.S. Commercial Service.
challenge for small businesses. Our
business is creditworthy and has had a
profitable history for 50 years, but we
still couldn’t find traditional financing
We rely on the
to get the cash flow we needed to
expand our facility and start exporting.
expertise of the SBA,
Solution
The SBA guarantees loans made
by lending institutions to small
U.S. Commercial
businesses that cannot find financing
elsewhere. Our small business
qualified for an SBA-backed 504
Service, World Trade
Certified Development Company loan
through Mountain West Small Business
Finance. Our $1 million loan allowed us
Center Utah, and
to purchase a larger facility.
I also received SBA State Trade
Expansion Program grants from 2015-
other world trade
2019 to help us market products at
international trade shows. We were able
to travel to shows in order to network and
associations to
secure international sales contacts. Our
partners in specific regions have helped
us to understand cultural differences and
help navigate any
negotiate any importing, shipping, or
payment problems. We’ve also developed
a network of support in the areas we
challenges that arise.”
have travelled to during trade missions;
we rely on the expertise of the SBA, U.S.
Commercial Service, World Trade Center
Utah, and other world trade associations
to help navigate any challenges that Natalie Kaddas
arise. I’ve also received fantastic business
guidance from my local Small Business President/CEO
Development Center and Women’s
Business Center.
Kaddas Enterprises Inc.
9
LOCAL BUSINESS ASSISTANCE
SBA Resource Partners
No matter your industry, location, or experience, if you have a dream, the SBA is here to help you achieve it. Our SBA
Resource Partners offer mentoring, counseling, and training to help you startup and thrive at all stages of the business
life cycle. These independent organizations operating across the United States and U.S. territories are funded through SBA
cooperative agreements or grants.
SMALL BUSINESS DEVELOPMENT CENTERS
950+
Achieve your dream of business ownership and remain
competitive in an ever-changing global economy with assistance
from your local SBDC. Access free counseling and free or low-
cost training on topics like regulatory compliance, technology
Small Business development, and international trade. Find an SBDC adviser at
sba.gov/sbdc.
Development Centers
SCORE
300+
Join the ranks of other business owners who have experienced
higher revenues and increased growth thanks to SCORE, the nation’s
largest network of volunteer business mentors. Experienced
executives share real-world knowledge to fit your busy schedule.
SCORE chapters SCORE mentors are available for free as often as you need, in person,
via email or over video chat. Find a mentor at sba.gov/score.
WOMEN’S BUSINESS CENTERS
100+
Women entrepreneurs receive essential business counseling and
training from this national network of community-based centers.
Each center tailors its services to help you navigate the challenges
women often face when starting or growing a business. To learn
about SBA resources for women visit sba.gov/women.
Women’s Business
Centers
VETERANS BUSINESS OUTREACH CENTERS
20 +
Veteran and military entrepreneurs receive business training,
counseling, and referrals to other SBA Resource Partners at
a Veterans Business Outreach Center, sba.gov/vboc. Receive
procurement guidance to better compete for government
contracts. VBOCs also serve active duty service members,
Veterans Business National Guard or Reserve members, veterans of any era, and
Outreach Centers military spouses.
10LOCAL BUSINESS ASSISTANCE
Our Local SBA Resource Partners
SBA’s Resource Partners are independent organizations funded through SBA cooperative
agreements or grants.
Utah Small Business
Development Centers
State Director SBDC Ogden City
Mike Finnerty Director Shawn Beus
195 W. 1100 South Weber State University
Brigham City 2605 Monroe Blvd., room 211
(435) 919-1299 (801) 626-7232
mike.finnerty@usu.edu shawnbeus@weber.edu
SBDC Brigham City SBDC Orem
Director Jared Turner Director Camille Pendleton
Utah State University Utah Valley University
195 W. 1100 South, room 170 BRC Building, room 106
(435) 919-1296 815 W. 1250 South, MS 239
jared.turner@usu.edu (801) 863-8230
COURTESY OF SBA
camillep@uvu.edu
SBDC Cedar City Arthur and Sandra Johnson, owners
Director Craig Isom SBDC Price of 21 Short Stop in Georgia, received
assistance from their local Small
Southern Utah University Director Austin Preston Business Development Center and
510 W. 800 South Utah State University SCORE chapter.
(435) 865-7707 420 N. 300 East
isom@suu.edu (435) 613-5460
SBDC Tooele
austin.preston@usu.edu
SBDC Ephraim Director Jess Clifford
Director Tim Chamberlain SBDC Richfield Tooele Technical College
Snow College Director Craig Blake 88 S. Tooele Blvd.
151 S. Main St. Snow College (435) 248-1892
(435) 283-7376 800 W. 200 South, room 155W jclifford@tooeletech.edu
tim.chamberlain@snow.edu (435) 893-2252
SBDC Vernal
craig.blake@snow.edu
SBDC Kaysville Director Mark Holmes
Director Andrew Willis SBDC St. George Utah State University Extension Office
Davis Applied Technology College Director Jeff Mather 320 N. Aggie Blvd.
450 S. Simmons Way 610 S. Tech Ridge Drive (435) 722-1779
(801) 643-0424 (435) 674-8477 mark.holmes@usu.edu
andrew.willis@davistech.edu jmather@dixietech.edu
SBDC Logan
Director Mike Young
SBDC Salt Lake
Director Jim Herrin
SCORE Utah
Contact your closest SCORE office first
Utah State University Salt Lake Community College for an appointment.
1770 N. Research Parkway, suite 140 MCPC 200
(435) 797-3303 State Director
9750 S. 300 West
mike.young@usu.edu Wendy Bird
(801) 957-5441
SLCC Miller Campus
jim.herrin@slcc.edu
SBDC Moab MCPC building
Director Beth McCue 9690 S. 300 West, room 201 D/E
USU San Juan Campus Sandy
125 W. 200 South, building B, suite 123 (801) 957-5453
(435) 259-7432 wendy.bird@scorevolunteer.org
beth.mccue@usu.edu utah.score.org
11LOCAL BUSINESS ASSISTANCE
Veterans
Business
Outreach
Center
Veteran entrepreneurs or small
business owners can receive
business training, counseling
and mentoring, and referrals to
other SBA Resource Partners at
a Veterans Business Outreach
Center, sba.gov/vboc. This is also
the place to receive procurement
guidance, which can help your
business better compete for
government contracts.
Big Sky Economic
Development
Director Dustin Frost
222 N. 32nd St., suite 200
Billings, MT
(406) 869-8411
dustin@bigskyeda.org
O'Connor Belting, a Delaware
family-owned business,
expanded with the help of an
SBA-guaranteed 7(a) loan.
COURTESY OF SBA
Women’s Business Centers of Utah
State Director Anne Marie Wallace Southern Women’s Business
175 E. 400 South, suite 600
Salt Lake City
Center of Utah
Program Director Debbie Drake
(801) 328-5046
510 W. 800 South
annmarie@wbcutah.com
Cedar City
wbcutah.org
(435) 586-4234
Northern Women’s Business debbie@wbcutah.com
wbcutah.org
Center of Utah
Program Director Anne Marie Wallace
175 E. 400 South, suite 600
COURTESY OF SBA
Salt Lake City
(801) 328-5052
robbi@wbcutah.com
wbcutah.org
12LOCAL BUSINESS ASSISTANCE
Your
Advocates
The SBA offices of advocacy and ombudsman are independent
To report how a
proposed federal
voices for small business within the federal government. regulation could unfairly
affect you, contact
Advocacy Ombudsman advocacy.sba.gov.
When you need a voice within the federal Entrepreneurs who have an issue with
government for your interests as a small an existing federal regulation or policy To submit a comment
business owner, SBA advocates are here to receive assistance from the SBA about how your business
assist. They analyze the effects of proposed national ombudsman.
has been hurt by an
regulations and consider alternatives that The ombudsman’s office helps you:
minimize the economic burden on small
existing regulation, visit
» resolve regulatory disputes with sba.gov/ombudsman/
businesses, governmental jurisdictions, federal agencies
and nonprofits. comments.
The office, advocacy.sba.gov, helps » reduce unfair penalties and fines
with these small business issues: » seek remedies when rules are
» if your business could be negatively inconsistently applied
affected by regulations proposed by » recover payment for services done by
the government government contractors
To submit a comment or complaint
» when you need economic and small Make your voice heard by participating in a
through the online form, visit sba.gov/
business statistics Regional Regulatory Enforcement Fairness
ombudsman/comments. Your concerns
The SBA Office of Advocacy also Roundtable or a public hearing hosted by
will be directed to the appropriate
independently represents small business the SBA national ombudsman. These events
federal agency for review. The SBA will
and advances its concerns before Congress, are posted periodically on the ombudsman
collaborate with you and the agency to
the White House, and federal agencies. website, sba.gov/ombudsman.
help resolve the issue.
13LOCAL BUSINESS ASSISTANCE
Brian Noguera, owner of Maize
Tacos in Salt Lake City, started
up his food truck enterprise
with the help of an SBA-backed
7(a) loan.
COURTESY OF MAIZE TACOS
How to Start a Business in Utah
Thinking of starting a business? Here are the nuts & bolts.
The Startup Logistics Name Registration
Even if you’re running a home-based business, you will have to comply Register your business name with the county clerk where your business
with many local, state, and federal regulations. Do not ignore regulatory is located. If you’re a corporation, also register with the state.
details. You may avoid some red tape in the beginning, but your lack of » Division of Corporations and Commercial Code
compliance could become an obstacle as your business grows. Taking
Heber Wells Building
the time to research regulations is as important as knowing your market. 160 E. 300 South, second floor
Being out of compliance could leave you unprotected legally, lead to Salt Lake City
expensive penalties, and jeopardize your business. (801) 530-4849
corporations.utah.gov
Market Research
View consumer and business data for your area using the Census Taxes
Business Builder: Small Business Edition, https://cbb.census.gov/ As a business owner, you should know your federal tax responsibilities
sbe. Filter your search by business type and location to view data and make business decisions to comply with tax requirements. The IRS
on your potential customers, including consumer spending, and a Small Business and Self-Employed Tax Center, irs.gov/businesses/
summary of existing businesses, available as a map and a report. small-businesses-self-employed, includes information on paying and
filing income tax and finding an Employer ID Number.
Business License & Zoning As the IRS continues to implement some of the Tax Cuts and Jobs
Licenses are typically administered by a variety of state and local Act provisions, your tax obligations may change. For the latest tax
departments. It is important to consider zoning regulations when reform updates that affect your bottom line, visit irs.gov/tax-reform.
choosing a site for your business. Contact the local business
license office where you plan to locate your business. You may not » Utah State Tax Commission
be permitted to conduct business out of your home or engage in 210 N. 1950 West, Salt Lake City
industrial activity in a retail district. (801) 297-2200
tax.utah.gov
14LOCAL BUSINESS ASSISTANCE
COURTESY OF VIBETECH
SBA business counseling helped Norman Serrano, CEO/chief technologist,
scale up VibeTech, a vibration technology company in Utah. A veteran,
Norman received business guidance from his local Small Business
Development Center, and SBA Resource Partner. His company specializes in
the analysis and correction of vibration in vehicles.
Social Security » Utah Labor Commission
OSHA Consultation and Education Services
If you have any employees, including officers of a corporation
(801) 530-6855
but not the sole proprietor or partners, you must make periodic
consultation-program@utah.gov
payments, and/or file quarterly reports about payroll taxes and other
mandatory deductions. You can contact the IRS or the Social Security
Administration for information, assistance, and forms at (800) 772-1213
Employee Insurance
Check your state laws to see if you are required to provide
or visit socialsecurity.gov/employer. You can file W-2s online or verify
unemployment or workers’ compensation insurance for your
job seekers through the Social Security Number Verification Service.
employees. For health insurance options, call the Small Business
Health Options program at (800) 706-7893 or visit healthcare.gov/
Employment Eligibility Verification
small-businesses/employers.
The Federal Immigration Reform and Control Act of 1986 requires
Association Health Plans allow small businesses, including
employers to verify employment eligibility of new employees. The law
self-employed workers, to band together by geography or
obligates an employer to process Employment Eligibility Verification
industry to obtain healthcare coverage as if they were a single
Form I-9. The U.S. Citizenship and Immigration Service offers
large employer. For information, visit dol.gov/general/topic/
information and assistance through uscis.gov/i-9-central. For forms,
association-health-plans.
see uscis.gov/forms. For the employer hotline call (888) 464-4218 or
email I-9central@dhs.gov. » Utah Labor Commission
E-Verify is the quickest way for employers to determine the 160 E. 300 South, third floor, Salt Lake City
employment eligibility of new hires by verifying the Social Security (801) 530-6800
number and employment eligibility information reported on Form » Utah Department of Workforce Services
I-9. Visit e-verify.gov, call (888) 464-4218 or email e-verify@dhs.gov. Downtown metro office
720 S. 200 East, Salt Lake City
Health & Safety (801) 526-9850
All businesses with employees are required to comply with state
and federal regulations regarding the protection of employees, Provo center
visit employer.gov and dol.gov. The Occupational Safety and 1550 N. 200 West
Health Administration provides information on the specific health (801) 342-2600
and safety standards used by the U.S. Department of Labor. Call jobs.utah.gov
(800) 321-6742 or visit osha.gov.
15LOCAL BUSINESS ASSISTANCE
Environmental » ORS Child Support Services they may protect the way they are
Ogden expressed. For general information on
Regulations 2540 Washington Blvd. copyrights, contact:
State assistance is available for
small businesses that must comply Salt Lake City » U.S. Copyright Office
with environmental regulations 515 E. 100 South U.S. Library of Congress
under the Clean Air Act. State Small James Madison Memorial Building
Provo
Business Environmental Assistance 101 Independence Ave. SE
150 E. Center St.
programs provide free and confidential Washington, DC
St. George (202) 707-3000 or toll free (877) 476-0778
assistance to help small business
33 N. 100 West, suite 100 copyright.gov
owners understand and comply
with environmental regulations and
Intellectual Property
permitting requirements. These state
programs can help businesses reduce
Patents, trademarks, and copyrights Chambers of
are types of intellectual property
emissions at the source, often reducing
regulatory burden and saving you money.
that serve to protect creations and Commerce
innovations. Intellectual property may
To learn more about these free services American Fork
be valuable assets for small businesses
visit nationalsbeap.org/states/list. (801) 756-5110
and entrepreneurs and are important workamericanfork.com
» Environmental Protection Agency to consider in the development of any
Small Business Division business plan. Rocky Mountain Regional Box Elder & Brigham City
epa.gov/resources-small-businesses Office in Denver, Colorado, uspto.gov/ (435) 723-3931
tremontoncity.org
» Utah Small Business Environmental denver. For inventor entrepreneur
boxelderchamber.com
Assistance Program Office resources visit uspto.gov/inventors.
195 N. 1950 West, Salt Lake City There are three types of patents: Cache & Logan
(801) 536-4400 • Utility patents may be granted to (435) 752-2161
anyone who invents or discovers any cachechamber.com
Accessibility new and useful process, machine, Carbon County
& ADA Compliance manufacture, or composition of (435) 637-2788
For assistance with the Americans with matter, or any new and useful carboncountychamber.net
Disabilities Act, call the ADA center improvement.
Cedar City area
at (800) 949-4232 or the Department • Design patents may be granted to
(435) 586-4484
of Justice at (800) 514-0301. Direct anyone who invents a new, original, cedarcitychamber.org
questions about accessible design and and ornamental design for a
manufactured article. Davis & Kaysville
the ADA standards to the U.S. Access
• Plant patents may be granted to (801) 593-2200
Board at (800) 872-2253, TTY (800)
anyone who invents or discovers and davischamberofcommerce.com
993-2822, ta@access-board.gov or visit
access-board.gov. asexually reproduces any distinct Draper
and new variety of plant, other than (801) 553-0928
Child Support a tuber propagated plant or a plant draperchamber.com
Employers are essential to the success found in an uncultivated state. Fillmore
of the child support program and A trademark or service mark includes (435) 743-6714
collect 75% of support nationwide any word, name, symbol, device, or fillmoreutahchamber.com
through payroll deductions. You’re any combination, used to identify and
Heber Valley
required to report all new and rehired distinguish the goods/services of one
(866) 994-3237
employees to the State Directory of provider from others. Trademarks
gohebervalley.com
New Hires. If you have employees in and service marks can be registered
two or more states, you may register at both the state and federal level. Hurricane
with the Department of Health and The U.S. Patent and Trademark Office (435) 635-3402
Human Services to report all your only registers federal trademarks and hvchamber.com
employees to one state. Find electronic service marks, which may conflict with Kanab
income withholding orders and the and supersede state trademarks. Visit (435) 644-5033
Child Support Portal, which can uspto.gov/trademarks. kanabchamber.com
be used to report information to Copyrights protect original works of
Lehi
nearly all child support agencies, at authorship including literary, dramatic,
(801) 901-6664
acf.hhs.gov/programs/css/employers. musical and artistic, and certain other
lehiareachamber.com
Send questions to employerservices@ intellectual works, such as computer
software. Copyrights do not protect Magna
acf.hhs.gov.
facts, ideas, and systems, although (801) 250-5690
magnautah.org
16LOCAL BUSINESS ASSISTANCE
Moab area Utah Hispanic Chamber Sanpete County
(435) 259-7814 (801) 532-3308 (435) 835-4321
moabchamber.com utahhcc.com
Sevier County
Murray Utah Valley (435) 893-0454
(801) 263-2632 (385) 482-2555
Summit County
murraychamber.org thechamber.org
(435) 649-6100
Ogden & Weber Vernal
Tooele County
(801) 621-8300 (435) 789-1352
(435) 843-3150
ogdenweberchamber.com vernalchamber.com
Uintah County-Vernal City
Park City West Jordan
(435) 781-6767
(800) 453-1360 (801) 970-3671
visitparkcity.com westjordanchamber.com USDA Rural Development
Payson Santaquin area West Valley City 125 S. State St., room 4311
(801) 465-2634 (801) 977-8755 Salt Lake City
paysonsantaquinarea.com chamberwest.com (801) 524-4321
rd.usda.gov/ut
Pleasant Grove
(801) 801-922-4540
pglindonchamber.org
Economic Utah Governor’s Office
of Economic Development
Richfield Development (801) 538-8680
business.utah.gov
(435) 896-4241
Bear Lake Utah County
richfieldareachamber.com
(435) 946-2198 (801) 328-8824
Salt Lake City
Box Elder County Wasatch County
(801) 364-3631
(435) 734-3313 (435) 654-3666
slchamber.com
Cache County Washington County
San Juan
(435) 752-2161 (435) 652-7750
(435) 459-9700
sanjuancountychamber.com Carbon County Wayne County
South Jordan (435) 636-3295 (435) 836-1315
(801) 253-5200 Daggett County Weber County
southjordanchamber.org (435) 784-3218 (801) 621-8300
South Salt Lake Davis County West Jordan
(801) 466-3377 (801) 451-3278 (801) 569-5060
sslchamber.com
Duchesne County
South Valley
(801) 566-0344
(435) 722-4598
Emery County
Export
Assistance
southvalleychamber.com
(435) 381-5576
Southwest Valley
(801) 280-0595 Garfield & Panguitch U.S. Export Assistance Center
swvchamber.org (435) 676-1160 Department of Commerce
Spanish Fork Salem area Iron County 350 S. Main St.
(801) 798-8352 (435) 586-2770 Salt Lake City
spanishfork-chamber.com (801) 524 3091
Juab County
Shelby Daiek
Springville area (435) 623-3415
shelby.daiek@trade.gov
(801) 491-7830 Millard County
springvilleutahchmaber.org Trade Adjustment Assistance Center
(435) 864-1400
(303) 499-8222
St. George Moab
(435) 628-1658 World Trade Center Utah
(435) 259-5121
stgeorgechamber.com President and CEO Miles Hansen
Piute County (801) 532-8080
Tooele
(435) 577-2949 wtcutah.com
(435) 882-0690
tooelechamber.com Salt Lake County
(801) 468-2221
Utah Black Chamber
(801) 747-9134 San Juan County
uaacc.org (435) 587-3235
17LOCAL BUSINESS ASSISTANCE
Entrepreneurial
Resources
Regional Innovation Clusters
Create jobs and grow the economy through an SBA Regional
Innovation Cluster. Online Learning
Find free short courses and learning
Who should join
Small businesses driving innovation in one of these tech industries: tools to start and grow your small
business at sba.gov/learning. The
• advanced composites
SBA’s free Online Learning Center is a
• agTech
great resource for every entrepreneur,
• bioscience
especially rural business owners looking
• food processing
for easy access to vital business training.
• data sciences
• medical sciences Courses include:
• power and energy • writing your business plan
• unmanned aerial systems • understanding your customer
• water tech • buying a business
• wood products • marketing to win customers
• legal requirements
How it works
• financing options
Each industry cluster is based in a geographic region. Your small
business must be located in or near that region in order to join the • disaster recovery
cluster. For example, the AgLaunch Initiative cluster, which focuses
on agricultural technology, is located in the Tennessee area. A
small agTech business in or near Tennessee will connect with
other agTech suppliers, service providers, and related institutions
through that innovation cluster.
Native American
Workshops
How it benefits you
Network with other industry innovators and connect with
resources that will help your small business find funding. You’ll
Tribal enterprises and business organizations
also receive guidance on how to better compete for government
contracts and other opportunities for growth and expansion. can receive entrepreneurial training at an SBA
Receive free technical and legal assistance to develop your tech Entrepreneurial Empowerment Workshop. These
and get it to market for government and industry buyers. workshops cover business concepts important for
Get involved starting, growing, or expanding a small business.
Find an SBA Regional Innovation Cluster near you by visiting RedWind instructors identify and help participants
sba.gov/localassistance. Select the regional innovation clusters avoid common pitfalls. Learn how to prepare a
on the drop-down menu.
business plan, gain access to capital, and basic
book keeping. Request a workshop in your area by
visiting nativesmallbusiness.org.
18SBA Regional Innovation Clusters
Autonomous & Unmanned S ystems
Cluster – Emerging Tech Ventures Integrative Business Services Inc.
(Industry focus: Optics)
The Ozarks Cluster – Startup Junkie
(Industry focus: Food processing, supply Great Plains Technology &
chain, & logistics) Manufacturing Cluster
The Water Council Cluster Montana Bioscience Cluster – Montana
Technology E
nterprise Center
Marine Industry Science & Technology Cluster
AgLaunch Initiative
BioSTL: St. Louis Biosciences Cluster
Utah Advanced Material
Oklahoma-South Kansas Unmanned Manufacturing Initiative
Aerial Systems Cluster
Defense Alliance - LSI Business
The Appalachian Ohio Wood Products Cluster Development Inc. (Industry focus:
Advanced Power and Energy)
Conductor RIC in Healthcare, Education
& Data/Decision S
ciences – Startup
Junkie Consulting
19LOCAL BUSINESS ASSISTANCE
Emerging Leaders
Learn the skills to grow your small business in this seven-month course.
Accelerate
Growth
Small business
executives
looking to grow
their business,
create jobs, and
strengthen their
communities
will find their
next challenge
in the SBA Emerging Leaders program.
This seven-month course offers about
100 hours of training and provides the
opportunity for high-potential small
business owners to work with experienced
coaches and mentors while developing
connections with peers, local leaders, and
the financial community.
How it benefits you
Since the start of the program in 2008,
Emerging Leaders graduates have reported
creating over 6,500 jobs, gaining more than
$300 million in new financing, and securing
over $3.16 billion in government contracts.
Participants produce a three-year strategic
growth plan that connects them with the
necessary tools and resources to reach
major performance targets.
COURTESY OF AA&A FIRE AND SAFETY
What you learn
The curriculum is research-based and
nationally scalable, enabling you to
engage in focused development and
expansion strategies, including options
for accessing new capital and securing
government contracts.
Who’s eligible
HOW THE SBA HELPED ME SUCCEED Small businesses having annual revenues
When April Broderick wanted to expand into government contracting, she turned to of at least $250,000, in business
the SBA. A&A Fire and Safety Co. in Cabot, AR serves the fire protection and service for at least three years, and with at least
needs of businesses, schools, and fire departments across Arkansas. She took over one employee.
from her father, Alan, in 2014, becoming one of the few women executives in her
Get involved
industry. With the help of the SBA Emerging Leaders program, April received business
To register online, visit sba.gov/
training and networking opportunities to help her better compete in the public
emergingleaders.
marketplace. April committed to the program because she wanted to develop a three-
year growth plan with business experts. Since graduating from Emerging Leaders, she
has grown her business to six full-time employees, seven part time, with a projected
2019 revenue of $1.7 million.
20LOCAL BUSINESS ASSISTANCE
4
Pick your business location
Are you setting up a brick-and mortar business or
launching online?
5
Choose a business structure
The legal structure you choose for your business will
affect your business registration requirements, how
much you pay in taxes, and your personal liability.
6
Choose your business name
Pick a name reflecting your brand. Check your secretary
of state's website to make sure your business name isn’t
already being used.
7
Register your business
Once you’ve picked the perfect business name, it’s
time to make it legal and protect your brand. If you’re
doing business under a name different than your own, you’ll
need to register with the federal government and often your
state government.
10 STEPS 8
Get federal and state tax IDs
You’ll use your Employer Identification Number
for important steps to start and grow your business,
like opening a bank account and paying taxes. It’s like a social
security number for your business. Some, but not all, states
to Start Your
require you to get a tax ID as well.
Business 9
Apply for licenses and permits
Keep your business running smoothly by staying legally
compliant. The licenses and permits you need for your
business vary by industry, state, and location.
10
Starting a business involves planning, making
Open a business bank account
key financial decisions, and completing a A small business checking account can help you
series of legal requirements. handle legal, tax, and day-to-day issues.
1
Conduct market research
This will tell you if there’s an opportunity to turn your
idea into a successful business. Gather information about
potential customers and businesses already operating in your area
so you can use that information to find a competitive advantage.
2
Write your business plan
This is the roadmap for how to structure, run, and grow your
new business. You’ll use it to convince people that working
with you and/or investing in your company is a smart choice.
3
Fund your business
Your business plan will help you figure out how much
money you’ll need to startup. Investors or lenders will help
you get the amount you need.
21LOCAL BUSINESS ASSISTANCE
AVMAC President/CEO Bert Ortiz, left,
and fellow U.S. Navy veteran and
HOW THE SBA
electrician Ken Morey manufacturing HELPED ME
a power panel bracket. SUCCEED
U.S. Navy veteran Roberto Ortiz
puts his 40 years of aviation
management experience
to use as a small business
owner in Chesapeake, VA.
Bert expanded AVMAC
Inc. into the government
sector fulfilling aviation and
maritime logistical services
with the help of his local SBA
Veterans Business Outreach
Center. VBOCs are the first
stop for military community
entrepreneurs looking to
start, grow, or expand a small
business. The VBOC located
at Old Dominion University
helped Bert obtain government
contracting business
certifications. With support
from his local VBOC, Bert has
strategically positioned AVMAC
in the federal marketplace to
better compete for large-scale
COURTESY OF AVMAC INC.
government contracts. From
AVMAC’s first contract in 2010,
this veteran-led company has
nearly doubled in revenue and
grown to over 400 employees.
Opportunities
for Veterans
Military community members become more successful entrepreneurs with the help of the SBA.
Entrepreneurship training Who’s eligible? members, and spouses through these SBA-
In Boots to Business, explore business Service members transitioning out of funded programs:
ownership and other self-employment active duty and military spouses. Boots to » Veteran Women Igniting the Spirit of
opportunities while learning key business Business: Reboot, for veterans, National Entrepreneurship in Syracuse, New York
concepts. Walk away with an overview of Guard or Reserve members and military
spouses, teaches this entrepreneurship » LiftFund in San Antonio, Texas
entrepreneurship and applicable business
ownership fundamentals, including curriculum off base in communities. For service-disabled veterans
how to access startup capital using SBA Register for either B2B program at Learn how to start and grow a small
resources. Boots to Business is conducted https://sbavets.force.com. business using these SBA-funded programs:
on all military installations as part of For women veterans » Entrepreneurship Bootcamp for Veterans
the Department of Defense’s Transition Receive entrepreneurial training geared with Disabilities in Syracuse, New York
Assistance Program. toward women veterans, service
22LOCAL BUSINESS ASSISTANCE
» Veterans Entrepreneurship Program at
the Riata Center for Entrepreneurship,
Spears School of Business, Oklahoma
State University in Stillwater, Oklahoma
» Veteran Entrepreneurship Jumpstart
at St. Joseph’s University in Philadelphia,
Pennsylvania
» Dog Tag Inc., affiliated with Georgetown
University in Washington, DC
Financing
Employee called to active duty?
You can receive funds that enable your
business to meet ordinary and necessary
operating expenses when an essential
employee is called up to active duty in
the military reserve. Ask your local SBA
specialist or lender about the Military
Reservist Economic Injury Disaster Loan.
Government contracting
Veteran-owned and service-disabled
veteran-owned small businesses that want
to better compete in the public market
receive training from the Veteran Institute
for Procurement, nationalvip.org.
VIP Start
Enter the federal market and become ready
for procurement.
VIP Grow
Strategize to expand and operate within the
federal marketplace.
VIP International
Enter or expand your federal and
commercial contracting opportunities
overseas.
Get certified
Learn about the service-disabled veteran-
owned small business certification program
on page 49.
Need assistance?
Veteran and military entrepreneurs
receive business training, counseling, and
referrals to other SBA Resource Partners
at a Veterans Business Outreach Center,
sba.gov/vboc. For veterans business
information visit sba.gov/veterans.
COURTESY OF AVMAC INC.
23LOCAL BUSINESS ASSISTANCE
Write your
Business Plan
Your business plan is the foundation of your business. Learn how to write a business plan with the help
of an SBA Resource Partner.
TRADITIONAL BUSINESS
PLAN FORMAT
When you write your business plan, you don’t have to stick to the
exact business plan template. Instead, use the sections that make
the most sense for your business and your needs.
Executive Summary
Briefly summarize your company and why it will be successful.
Include your mission statement, your product or service, and basic
information about your company’s leadership team, employees,
and location. You should also include financial information and
high-level growth plans if you plan to ask for financing.
Company Description
Go into detail about the problems your business solves. Be specific
as to audience and location. List out the consumers, organizations,
or businesses your company plans to serve.
Explain the competitive advantages you have that will make your
business successful. Are there experts on your team? Have you found
the perfect location? Your company description is the place to boast
about your strengths.
Market Analysis
Demonstrate a solid understanding of your industry outlook and tar-
get market. This is where it pays to partner with an experienced busi-
ness counselor from your local Small Business Development Center,
SCORE, Women’s Business Center, or Veterans Business Outreach
Center—all these SBA Resource Partners provide free or low-cost
business assistance. Competitive research will show what other busi-
nesses are doing and their strengths. In your market research, look for
trends and themes. What do successful competitors do? Why does it
work? Can you do it better? Now’s the time to answer these questions.
Business plans help you run your business.
A good business plan guides you through managing your business. Organization and Management
You’ll use your business plan as a roadmap for how to structure, run, Explain how your com-
and grow your new business. pany will be structured
Business plans can help you get funding or bring on new and who will run it.
business partners. Investors want to see a return on their Describe the legal Want to see an
structure of your busi-
investment. Your business plan is the tool you’ll use to convince
people that working with you—or investing in your company—is ness. State whether you
example of a
a smart investment. Brain storm with a business counselor (visit have or intend to incor- business plan?
one of our SBA Resource Partners detailed on page 10) and write porate your business as View examples of business plans
a traditional business plan, which uses a standard structure a C or an S corporation,
at sba.gov/business-guide/plan/
and detailed sections. Once you’ve got it all down, you can then form a general or limited
write-your-business-
condense it to a lean startup business plan, which typically partnership, or if you’re a
plan-template
contains key points on only one page. sole proprietor or limited
liability company.
24LOCAL BUSINESS ASSISTANCE
TRADITIONAL BUSINESS PLAN CHECKLIST
LEAN STARTUP PLAN FORMAT
Write a lean startup plan if requested from an investor, or if your
❒ Executive summary business is relatively simple or you plan to regularly change and
refine as you go.
❒ Company description
Lean startup plans use more visual organization tools and only a
❒ Market analysis handful of elements to describe your company’s value proposition,
❒ Organization and management infrastructure, customers, and finances. They’re useful for visualiz-
ing your company’s fundamental facts. Your business counselor can
❒ Service or product line
help you edit down into the Business Model Canvas, used here—the
❒ Marketing and sales most well known style, or another lean startup template.
❒ Funding request Key Partnerships
❒ Financial projections Note the other businesses you’ll work with, such as suppliers, man-
ufacturers, subcontractors, and strategic partners.
❒ Appendix
Key Activities
List the ways your business will gain a competitive advantage.
Use an organizational chart to show the hierarchy. Explain how
Will you sell direct to consumers or use technology to tap into the
each person’s experience will contribute to the success of your
sharing economy?
venture. Consider including CVs of key members.
Key Resources
Service or Product Line
List resources you’ll leverage to create value for your customer.
Describe what you sell or what service you offer. Explain how it ben-
Your most important assets include staff, capital, and intellectual
efits your customers and the product lifecycle. Share your plans for
property. Leverage business resources that might be available
intellectual property, like copyright or patent filings. If you’re doing
to women, veterans, Native Americans, and HUBZone–certified
research and development for your service or product, explain it.
businesses.
Marketing and Sales
Value Proposition
Your marketing strategy should evolve and change to fit your needs
Make a clear and compelling statement about the unique value
in each context.
your company brings to the market.
Describe how you’ll attract and retain customers. Show how a
sale will actually happen. You’ll refer to this section later when you Customer Relationships
make financial projections, so be thorough. Describe how customers will interact with your business. Think
through the customer experience from start to finish. Is it auto-
Funding Request
mated or personal? In person or online?
If you’re asking for funding, outline your funding requirements.
Specify whether you want debt or equity and the terms you’d like. Customer Segments
Your goal is to clearly explain how much funding you’ll need over Name your target market. Your business won’t be for everybody;
the next five years and how the investment will be used. it’s important to have a clear sense of who you serve.
Specify if you need funds to buy equipment or materials, pay Channels
salaries, or cover specific bills until revenue increases. Explain how List the most important ways you’ll talk to your customers.
you’ll pay off the debt.
Cost Structure
Financial Projections Will your company focus on reducing cost or maximizing value?
Supplement your funding request with a prospective financial Define your strategy, then list the most significant costs you’ll face.
outlook for the next five years. Show how your business will be a
Revenue Streams
financial success. Include forecasted income statements, balance
Explain how your company makes money: direct sales, member-
sheets, cash flow statements, and capital expenditure budgets.
ships fees, selling advertising space? If your company has multiple
For the first year, be even more specific and use quarterly—or even
revenue streams, list them all.
monthly—projections. Explain your projections and match them to
your funding requests.
If your business is already established, include income statements,
balance sheets, and cash flow statements for the last three to five
years. List collateral you could put against a loan. LEAN STARTUP PLAN CHECKLIST
Use visual organization tools--graphs and charts—to tell your ❒ Key partnerships ❒ Customer segments
business’s financial story.
❒ Key activities ❒ Channels
Appendix
❒ Key resources ❒ Cost structure
Here you’ll attach supporting documents or other requested
materials. Common items to include are credit histories, CVs, ❒ Value proposition ❒ Revenue streams
product pictures, letters of reference, licenses, permits, patents, ❒ Customer relationships
legal documents, and other contracts.
25FUNDING PROGRAMS
Financing Your Small Business
How We Did It
Crafting a
Business
SBA-backed financing helped Superstition Meadery expand
into a multimillion dollar enterprise.
written by Becky Bosshart
COURTESY OF SUPERSTITION MEADERY
26FUNDING PROGRAMS
J
ennifer and Jeff Herbert’s Solution
home-based brewing has Thanks to guidance from an SBA
expanded into a global, Resource Partner, the Small Business
multimillion dollar Development Center at Yavapai
enterprise thanks to SBA Community College, Jennifer and Jeff
5
assistance. Using Arizona honey and learned about financing that worked
ingredients they’ve sourced from for them. The SBA guarantees loans
Tips for
around the world (such as Tahitian made by lending institutions to small
vanilla and Moroccan saffron), the business that would not otherwise be
Herberts are selling nearly 30,000 able to obtain financing. Their small
gallons annually of their honey-based
fermented beverage. They operate a
downtown Prescott, Arizona tasting
business qualified for two SBA-backed
loans totaling more than $600,000. The
Herberts’ first SBA-backed loan allowed
Success
room and state-of-the-art production them to acquire commercial property to
Get guidance.
facility, creating jobs and building design and build their mead production Develop a working relationship with
a local craft industry. The Herberts, facility. Their second SBA-backed loan an SBA Resource Partner (see page 10).
founding members of the American provided the funding for professional Your business adviser will help make
Mead Makers Association, have brewing equipment to complete their your business ready for financing.
traveled around the world hosting 7,450-square-foot production space. The
pairing events and pouring at craft Herberts recently purchased a historic
beverage festivals. building in downtown Phoenix, Arizona Define your lending needs.
to open a mead-pairing restaurant. Determine if a loan is right for you and
Challenge
The Herberts wanted to scale up their Benefit if this is the right time. Define your
meadery while also staying true to The Herberts started with two needs. How much do you need? What
their values of quality ingredients and employees and now have over 20 are you going to use it for? Include this
producing 29,000 gallons this year. in your business plan.
craft process. It is often difficult for
new entrepreneurs or unique concepts From a homegrown setup, Jennifer and
like a meadery to get traditional Jeff are now charting revenue in excess
financing, even though they knew of $2.6 million and distributing to 37 Keep clear records.
states, across Europe and Southeast Track your cash, inventory, accounts
they had a great idea, the backing
Asia. They have plans for another
payable & receivable, payroll, sales,
wasn’t there to expand. They say that
purchases, loans payable, owners’
choosing to do something new breaks expansion, including a shipping
equity, and retained earnings. Most
the mold, which can be uncomfortable warehouse to manage their online retail
lenders will want to see this data,
for traditional lenders. and wholesale orders.
balance sheets, and profit & loss
statements for multiple years.
Talk to multiple lenders
Talk to multiple lenders and see who
best matches your business. Lenders
have different levels of risk and types
of industries they take on.
Check all options.
SBA Lenders determine if you’re
eligible for SBA financing programs
based on your industry & experience,
collateral, credit score, and the
COURTESY OF SUPERSTITION MEADERY
relationship & transparency you
develop with the lending agent.
Jeff & Jennifer Herbert, owners of Superstition Meadery, completed their 7,450-square-
foot production space and opened a tasting room in Prescott, AZ with the assistance of
SBA-backed financing. See their story on YouTube by searching for the 2019 National
Small Business Persons of the Year.
27FUNDING PROGRAMS
Lender SBA guarantees
Match help small business owners and entrepreneurs who are
creditworthy but don’t qualify for conventional financing.
Find a lender interested If you cannot obtain a business loan with reasonable rates
in working with you at
and terms, contact your local SBA Lender to see if you are
sba.gov/lendermatch.
This matching tool eligible for SBA programs. The SBA works with participating
connects entrepreneurs lenders to reduce their risk, increasing the likelihood your
with SBA Lenders in loan will be approved with the terms that work best for
your area.
you. The guarantee is conditional on the lender following
SBA program requirements. Just like with any other loan,
you make your loan payments directly to your lender in
accordance with your terms.
28FUNDING PROGRAMS
SBA Lenders
Our participating SBA Lenders serve all Utah. Lenders are listed with SBA specialist.
BOUNTIFUL MURRAY SALT LAKE CITY
Hillcrest Bank Finwise Bank America First Credit Union
Spencer Pack Jim Noone Dave Doria
801 N. 500 West, suite 210 756 E. Winchester St., suite 100 455 E. 500 South
(385) 300-7215 (801) 545-6036 (801) 879-2853
spencer.pack@hillcrestbank.com tbrosnan@finwisebank.com ddoria@americafirst.com
Bank of the West
BRIGHAM CITY OGDEN Mark Haslam
Bank of Utah Goldenwest Credit Union 142 E. 200 South
Norm Fukui Curtis Singleton (801) 537-6361
80 E. 800 South 5025 S. Adams Ave. mark.haslam@bankofthewest.com
(435) 723-9313 (801) 337-8342
Brighton Bank
nfukui@bankofutah.com csingleton@gwcu.org
Brett Jensen
Wasatch Peaks Credit Union 93 W. 3300 South
CEDAR CITY Greg Washburn (801) 467-5411
State Bank of Southern Utah 4723 Harrison Blvd., Ogden bjensen@brightonbank.com
Eric Sawyer (801) 627-8720
Celtic Bank
377 N. Main St. gwashburn@wasatchpeaks.com
Brad Bybee
(435) 865-2300 268 S. State St., suite 300
esawyer@sbsu.com PRICE (801) 363-6500
Eastern Utah Community FCU bbybee@celticbanking.com
Ken Bishoff
COTTONWOOD HEIGHTS Continental Bank
675 E. 100 North
Northwest Bank Roger Preston
(435) 636-1726
Ryan Shelley 15 W. South Temple #300
kbishoff@euccu.com
6985 Union Park Center, suite 650 (801) 931-5252
(801) 416-4813 ajohnston@cbankus.com
ryan.shelley@northwest-bank.com PROVO
First Utah Bank
Central Bank
Kent Dehart
Deborah Lamb
HEBER CITY 3826 S. 2300 East
75 N. University Ave.
Heber Valley National Bank, (801) 478-2303
(801) 655-2152
a division of Grand Valley Bank kdehart@firstutahbank.com
dlamb@cbutah.com
Steve Hallows Granite Federal Credit Union
2 S. Main Rock Canyon Bank
Brian Frandsen
(435) 654-7400 x4915 Dan Bennett
3675 S. 900 East
steve.hallows@grandvalleybank.com 226 W. 2230 North
(801) 288-3034
(801) 426-0179
brianf@granite.org
dan@rockcanyonbank.com
LAYTON JPMorgan Chase
Utah Community Federal CU
First Community Bank Keler Soffee
Brian Luke
Jason Robinson 201 S. Main, suite 300
188 W. River Park Drive
1601 N. Hill Field Road (801) 715-7400
(801) 223-7628
(801) 813-1683 keler.soffe@chase.com
brianl@uccu.com
Key Bank of Utah
LOGAN Jeremy Bills
RIVERTON
Cache Valley Bank 36 S. State, suite 2500
Altabank
Ted Erekson (801) 297-5731
Aga Merx
101 N. Main jeremy_j_bills@keybank.com
2691 W. 12600 South
(435) 753-3020 x4411
(801) 838-9879
tede@cachevalleybank.com
aga.merx@altabank.com
29You can also read
