Steps in starting a new business The Kentucky Small Business Development Center of Louisville is a consortium consisting of the Louisville Metro Department for Growth and Innovation, the Kentucky SBDC network, and the U.S. Small Business Administration.

Louisville SBDC 614 West Main Street, Suite 6000 Louisville, KY 40202 Phone: 502-625-0123 www.ksbdc.org/louisville

1. Consult with a licensed Kentucky attorney, a CPA, and/or an SBDC consultant to discuss your options and to

determine your needs. 2. Select a business name and choose an operating legal entity (Sole Proprietor, Partnership, Corporation, LLC). 3. Register your business with the Kentucky Secretary of State.

Secretary of State 700 Capital Avenue, Ste. 152 Frankfort, KY 40601 502.564.2848 (One Stop Business Licensing) 502.564.5687 (fax) www.sos.ky.gov

If you incorporate you must submit Articles of Incorporation.

If you are an LLC or LLP, you must submit Articles of Organization.

Forms can be downloaded and printed from Secretary of State’s web page: http://sos.ky.gov/Pages/default.aspx. Filing Fee = $50.00

The Kentucky Economic Development Guide: http://businessclimate.com/kentucky-economic-development/magazine 4. Secure a license/certificate of occupancy. Jefferson County listed below. Similar in other counties in KY.

a. Secure permits for any remodeling or new construction. b. Secure sign permits for any exterior signage.

Jefferson County Code Enforcement Office 531 Court Place, Suite 301 Louisville, Kentucky, 40202-3391

502.574.5000 5. Obtain a federal employer identification number (EIN) from the IRS form SS-4.

To request an SS-4 call: (800) 829.4933 or fax: (859) 669.5760 (Cincinnati Office)

Detailed information on the electronic SS-4 at http://www.irs.gov/businesses/small/index.html and http://www.irs.gov/uac/Form-SS-4,-Application-for-Employer-Identification-Number-(EIN). To complete the form visit this page: http://www.irs.gov/pub/irs-pdf/fss4.pdf

The IRS also has a district office in Louisville: Ron Mazzoli Federal Building 600 Martin Luther King Jr. Place Louisville, KY 40201

6. Obtain city and county occupational/business licenses. If in Jefferson County contact:

Louisville Metro Revenue Commission 617 West Jefferson Street Louisville, KY 40202 502.574.4860 www.metrorevenue.org

Application form can be downloaded from web site at http://www.louisvilleky.gov/Revenue/forms.htm

Registration online is accessible at https://www.metrorevenueservices.org/Registration/

Check with County Clerk if outside of Jefferson County for any local business taxes or licenses. Name Registration if in Louisville/Jefferson County:

Jefferson County Clerk: 527 W. Jefferson Louisville, KY 40202 502.574.4900 http://www.jeffersoncountyclerk.org/

Cost is $15.00 in Jefferson County

Name should be registered in each county business is conducted. Call the applicable county clerk’s office for registration and other requirements.

Check for any additional occupational / business taxes for micro-governments (St. Mathews, Shively, Jeffersontown, etc…)

The Economic Growth and Innovation Department enhances the "Louisville" quality of life by encouraging quality development and supporting new and expanding businesses. They interact with developers, residents, businesses, attorneys, and other governmental agencies and utility companies in the approval process. 444 S. 5

th Street, Suite 600

Louisville, KY 40202 502.574.4140 http://www.louisvilleky.gov/economicdevelopment

7. Register with the Kentucky Department of Revenue (form 11A100 or 10A101): a. If you must collect sales or use tax. b. Any business with employees. c. Any business entity other than a sole proprietorship that doesn’t collect sales or use tax or have employees.

Kentucky Revenue Cabinet Kentucky Revenue Cabinet Louisville Branch 200 Fair Oaks Lane 502.595.4512 Frankfort, KY 40620 http://revenue.ky.gov/contact.htm

Forms can be downloaded and printed from the KY Revenue Cabinet homepage at www.revenue.ky.gov, then click on Tax Forms or Business in the left margin.

8. If you have employees, do the following: a. Register with the Kentucky Department of Employment and Training at www.oet.ky.gov. Choose

“Unemployment Insurance” then “Employer Account Registration”. This is to register with the state unemployment insurance (required for businesses with employees).

b. Purchase workers’ compensation insurance from an independent insurance agent. c. Report the name and social security number (SSN) of each new hire to the Kentucky New Hire Reporting Center,

1-800-817-2262.

9. Check with the KY Business Information Clearinghouse at 1.800.626.2250 and your local city and county clerks to determine if any special licenses are required for your business. A great resource is the “One Stop Business Portal” for licensing, permits, registration, insurance, etc. at http://onestop.ky.gov/start/Pages/default.aspx.

10. Establish a business checking account. You will need your State and Federal numbers to do this. Consider a business savings account.

11. Secure liability insurance and other coverage appropriate for your business.

Start Right How SBA Can Help Your Business Survive and Grow

“How To” Festival Louisville Free Public Library

May 10, 2014

American Proverb

“The Best Things in Life Are Free”

……and so are SBA services

SBA Mission

The SBA helps Americans start, build and grow small businesses in the U.S.

Started in 1953

Network of offices & partnerships

Public and private organizations

SBA Programs

Capital

Loan guaranty programs

Contracts, Exporting and Grants

More opportunities for small business

Counseling

Free resources to help small business

Ready or Not…….

As the business owner, you must manage:

Revenue (marketing and sales)

Expenses (budgeting and finances)

Teambuilding (recruit and retention)

Professional development (training & succession)

Small Business Needs

Honest self-assessment (introspective)

Take charge person (leadership)

Support from family & friends (empathy)

Wear many different hats (flexibility)

Work 60+ hours weekly (commitment)

A detailed written plan (preparation)

Step 1 – Acid Test

Are you really committed?

Have you done homework?

Market research

Public / University library

Business associations

Publications / Journals

Competition

Step 2 – Your Team

Passion for the business

Loyalty to the business

Honesty and openness

Versatility

Connected to the community

Flexibility

Step 3 – Your Vision

How are you different?

Missions, Vision and Value Statements

Where do you want to be?

Develop a 3 – 5 year horizon

Step 4 – Legal Structure

5 common legal entities in Kentucky

Sole proprietorship

Partnership

S-Corp

C-Corp

Limited Liability Co. (LLC)

Step 5 – Regulatory / Licensing

Federal

www.irs.gov

State

www.thinkkentucky.com

Local (city and “local-local”)

http://onestop.ky.gov/start/Pages/localrequirements.aspx

Step 6 – Advisory Board

Attorney

Accountant/CPA

Lender (bank or credit union)

Insurance broker

Marketing expert (social media)

Industry mentor

Step 7 – Business Plan

Executive summary

Overview

Marketing plan

Operations/Logistics

Your team

Financial plan

Appendix

Step 8 – The Money

Character

Capacity

Capital

Collateral

Conditions

Financing Options

Lines of credit

Commercial loans

SBA loan guaranty programs

Investors

Credit cards

SBA Loan Guaranty Programs

7(a) program

Working capital, inventory, land, building, equipment, etc.

504 program

Land, buildings, durable equipment

Microloan program

Loans up to $50,000

Small Business Counseling

Free, confidential, one-on-one

Small Business Development Center (SBDC)

SCORE

Women’s Business Center of KY

Veterans’ Initiative: www.kyvetbiz.com

Louisville SBDC

SCORE – Louisville

Women’s Business Center of KY

KyVetBiz.com

Words of Advice

Use these free resources

Have a plan….and follow it

Surround yourself with experts

Learn about budgets

Build and maintain a good team

Stay informed

SBA Counseling Programs

Small Business Development Center 614 West Main Street, Louisville, KY; (502) 625-0123

http://ksbdc.org/louisville

SCORE - Louisville 600 Dr. M.L. King, Jr. Place, Room 188; (502) 582-5976

http://louisville.score.org

Women’s Business Center of KY 811 S. 2nd Street, Louisville, KY; (502) 992 – 9495

www.wbcky.org

Questions?

How Can SBA Help You?

Thank You!

Michael Ashcraft

michael.ashcraft@sba.gov

(502) 582-5971 Ext. 225

Program

Maximum Loan

Amount

Percent of Guaranty

Use of Proceeds

Maturity

Maximum Interest Rates

Guaranty Fees

Who Qualifies

Benefits to Borrowers

7(a) Loans

Standard 7(a): SBA approved Preferred Lender Pro-gram (PLP): Lender approved Loans $350,000 or less are processed using the

Small Loan Advantage (SLA) model referenced in SOP 50 10 5 F. SLA as a program expired 12/31/2013.

$5 million gross

85% Guaranty for loans of $150,000 or less;

75% Guaranty for loans greater than $150,000 ($3.75 million maximum Guaranty to any one entity)

Term Loan. Expansion/renovation; new construc-tion, purchase land or buildings; purchase equip-ment, fixtures, lease-hold improvements; working capital; refinance debt for compelling rea-sons; seasonal line of credit, inventory

Depends on ability to repay and the Use of Proceeds.

Generally, working capital & machinery & equipment (not to exceed life of equipment) is 5-10 years; real estate is 25 years.

Loans less than 7 years: $0 - $25,000 Prime + 4.25% $25,001 - $50,000 P + 3.25% Over $50,000 Prime + 2.25% Loans 7 years or longer: 0 - $25,000 Prime + 4.75% $25,001 - $50,000 P + 3.75% Over $50,000 Prime + 2.75%

Up-front fee charged on Guaranty portion of loan only

Maturity: 1 year or less 0.25% Guaranty fee on loans over $150,000;

Over 1 year: $150,000 gross amount or less = 0% for FY2014;

$150,001 - $700,000 = 3.0%;

Over $700,000 = 3.5%;

3.75% on Guaranty portion over $1 million.

Ongoing Servicing Fee of 0.52%.

Must be a for profit business & meet SBA size standards;

Show good character, credit, management, and ability to repay.

Must be an eligible type of business.

Prepayment penalty for loans with maturities of 15 years or more if prepaid during first 3 years. (5% year 1, 3% year 2 and 1% year 3)

Long-term financing

Improved cash flow

Fixed maturity

No balloon Notes

No prepayment penalty for loans with original maturity under 15 years.

SBAExpress

Lender approved under delegated authority

$350,000

50% Guaranty May be used for a term loan (same as 7a) or for Revolving Lines of Credit

Same as 7(a)

Up to 7 years for Revolving Lines of Credit including term out period.

Loans $50,000 or less = Prime + 6.5%;

Loans over $50,000 = Prime + 4.5%

Same as 7(a) Same as 7(a) Fast turnaround

Streamlined process

Easy-to-use Line Of Credit

SBA Veterans Advantage

Only processed under the SBAExpress delegated authority

01/01/14 - 09/30/14

$350,000 50%

Same as SBAExpress

Same as SBAExpress Same as SBAExpress Same as SBAExpress

Up-front Guaranty Fee = 0% on loans up to $350,000 for FY2014

Ongoing Servicing Fee of 0.52% applies to loans $150,001—$350,000

Same as 7(a). In addition, the applicant must be: veteran, active-duty military in the Tran-sition Assistance Program (TAP), Reservist or National Guard member or a spouse or widowed spouse of a veteran who died during service, or a service connected disability.

No up-front Guaranty Fee for FY2014

Fast turnaround;

Streamlined process;

Easy-to-use Line Of Credit

CapLines:

1. Working Capital; 2. Contract ; 3. Seasonal; and 4. Builders CAPLines SBA approved

$5 million

Same as 7(a) .

Finance seasonal and/or short term working capital needs; cost to perform; construction costs; advances against existing inventory and receivables; consolidation of short-term debts. May be revolving.

Up to 10 years, except Builder’s CAPLine, which is 5 years

Same as 7(a) Same as 7(a) Same as 7(a), plus all lenders must execute Form 750 & 750B (short term loans)

1. Working Capital -Revolving Line of Credit (LOC)

2. Contract - can finance all costs (excluding profit).

3. Seasonal - Seasonal work-ing capital needs.

4. Builder - Finances direct costs with building a commer-cial or residential structure

Community Advantage

Mission focused lenders only

$250,000 Same as 7(a) Same as 7(a) Same as 7(a) Prime plus 4% Same as 7(a) Same as 7(a) Same as Standard 7(a) plus lenders must be CDFIs, CDCs or micro-lender targeting underserved market

U.S. Small Business Administration 600 Dr Martin Luther King Jr Pl, Room 188 Louisville, KY 40202

Kentucky District Office (502) 582-5971 www.sba.gov/ky

Information current as of January 1, 2014

SBA Programs and services are provided on a nondiscriminatory basis.

See the SOP 50 10 5 (F) for the most up to date detailed information

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Program

Maximum Loan

Amount

Percent of Guaranty

Use of Proceeds

Maturity

Maximum Interest Rates

Guaranty Fees

Who Qualifies

Benefits to Borrowers

International Trade

SBA approved

$5 million 90% guaranty (up to $4.5 million maximum guaranty) (Up to $4 million maximum guaranty for working capital )

Term loan for permanent working capital, equip-ment, facilities, land and buildings and debt re-finance related to interna-tional trade

Up to 25 years. Same as 7(a) Same as 7(a)

Same as 7(a), plus engaged/ preparing to engage in international trade/adversely affected by competition from imports.

Long term financing to allow small business to compete more effectively in the interna-tional marketplace

Export Working Capital Program

SBA approved

$5 million 90% guaranty (up to $4.5 million maximum guaranty)

Short-term, working-capital loans for exporters. May be transaction based or asset-based. Can also support standby letters of credit

Generally one year or less, may go up to 3 years

No SBA maximum interest rate cap, but SBA monitors for reasonableness

Same as 7(a) Same as 7(a), plus need short-term working capital for export-ing.

Additional working capital to increase Export sales without disrupting domestic financing and business plan

Export Express Lender approved under delegated authority

$500,000 90% guaranty for loans of $350,000 or less;

75% guaranty for loans greater than $350,000

Same as SBAExpress plus standby letters of credit

Same as SBAExpress Same as SBAExpress

Same as 7(a) Applicant must demonstrate that loan will enable them to enter a new, or expand in an existing export market. Business must have been in operation for at least 12 months (though not necessarily in exporting).

Fast turnaround

Streamlined process

Easy-to-use line of credit

504 Loans

Provided through Certified Development Companies (CDCs) which are licensed by SBA

504 CDC maxi-mum amount ranges from $5 million to $5.5 million, depending on type of business.

Project costs financed as follows: CDC: up to 40% Non-guaranteed financing: Lender: 50% Equity: 10% plus additional 5% if new business and/or 5% if special use property.

Long-term, fixed-asset loans; Lender (non-guaranteed) financing secured by first lien on project assets. CDC loan provided from SBA 100% guaranteed debenture sold to investors at fixed rate secured by 2nd lien.

CDC Loan: 10- or 20-year term fixed interest rate. Lender Loan:(unguaranteed) financing may have a shorter term. May be fixed or adjustable interest rate

Fixed rate on 504 Loan established when debenture backing loan is sold. Declining prepayment penalty for 1/2 of term.

.5% fee on lender share, plus CDC may charge up to 1.5% on their share. CDC charges a mthly servicing fee of 0.625%-1.5% on unpaid balance Ongoing guaranty fee (FY 2012) is 0.9375% of principal outstanding. Ongoing fee % does not change during term.

Alternative Size Standard: For-profit businesses that do not exceed $15 million in tangible net worth, and do not have an average two full fiscal year net income over $5 million. Owner Occupied 51% for existing or 60% for new con-struction.

Low down payment - equity(10%-20%) (The equity contribution may be borrowed)

Fees can be financed;

SBA Portion: Long-term fixed rate Full amortization No balloons

Non-7(a) Loans - SBA Microloans

Loans through nonprofit lending organizations; technical assistance also provided.

$50,000

Not applicable Purchase machinery & equipment, fixtures, leasehold improvements; finance increased receivables; working capital. Cannot be used to repay existing debt.

Shortest term possible, not to exceed 6 years

Negotiable with intermediary. Subject to either 7.75 or 8.5% above intermediary cost of funds.

No Guaranty Fee Same as 7(a) Direct loans from nonprofit intermediary lenders;

Fixed-rate financing;

Very small loan amounts;

Technical assistance available

U.S. Small Business Administration 600 Dr Martin Luther King Jr Pl, Room 188 Louisville, KY 40202

SBA Answer Desk 1-800-827-5722 www.sba.gov

Developed by Kentucky District Office

(502) 582-5971

January 1, 2014

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Sample Business Plan Outline

The business plan describes the idea of a company’s past, current and future operations. The business plan can be a request for an

investment or loan. The most important function of a business plan is to communicate the company’s goals and the experience of the management team, and the business plan is used to guide the company.

1. Cover Page

Use a cover page that includes the name and address of the business and the principals. Include a company logo if available. 2. Executive Summary

Write a summary of business plans. How will you start and what are your plans for the future?

What is your legal structure? Sole proprietorship, Partnership, or Corporation

Where will the business be operated? Home-based or retail location?

3. Business/Company Description

Describe the business including details about your product or service. How will you market your product or service? Describe the manufacturing process? (If appropriate) Number of employees required, and what are their responsibilities? Describe your geographic location. Who are the owners and what is their experience?

4. Target Market

Explain the need for your product or service. Describe your target clients in detail.

Age, income, and location Describe their buying habits. Describe your direct and indirect competition.

What do they do well? What do they do poorly?

Explain the niche you will fill. Explain how you will be different.

5. Marketing Plan

Explain how you will reach your target market. How will you get them to buy your product or service? Explain your advertising plan with budget & one-year calendar of ad placement. Explain your client follow-up procedures.

6. Operational Plan

Explain the day-to-day operations of your business. Who does what & when? Explain employee duties. What are the hours of operation? How & when will you use professional services such as accountants and lawyers?

7. Financial Plan

Explain your need for and use of loan proceeds. Include an equipment list. Include a cash flow projection covering the term of requested loan. Explain how income projections were determined. Explain employee salaries and owner’s draw. Explain mark-up and profit. Explain owner’s equity and collateral.

8. Supporting Documents

Includes resumes of all owners, copies of licenses, permits & leases, personal & business tax returns, and samples of advertising pieces, such as flyers or ads.

SBA Resources to Fit Your Needs

No matter where you are on the road of small business ownership, you’re

only a phone call or a computer click away from the U.S. Small Business

Administration and the help it can provide.

The SBA offers programs and services for start-ups, established or

growing enterprises, lenders, and for homeowners, renters, non-profit

organizations and businesses of all sizes in times of a declared disaster.

As Your Small Business Resource, the SBA can connect you with a

network of services to fit your needs. The SBA also actively voices small

business concerns with Congress and federal agencies about government

regulations, taxes, health care and more.

Click on our Web site or call our number for details. Here’s how the SBA

and its partners can help you.

Starting Your Business

Develop a business plan

Complete loan applications

Ask about target programs for women, veterans, Native Americans,

and socially and economically disadvantaged citizens

Financing Your Business:

Detailed information about an SBA 7(a) loan guaranty of up to

$5 million for working capital, real estate or fixed assets

Surety bond guaranties of up to $6.5 million for eligible small

contractors

Export marketing guidance and trade finance assistance

Growing Your Business:

Direct access to more than 40 online business universities and

colleges

One-to-one and online counseling from SBA partners such as the

SBDC, SCORE and the Women’s Business Center

Management and technical assistance available at 17 SBDC and 11

SCORE offices located throughout Kentucky

Contracting Opportunities:

The Small Disadvantaged Business Certification Program, which

certifies small disadvantaged businesses eligible for federal contracts

Establishment of federal contract award preferences for businesses

located in historically underutilized business zones (HUBZones)

Qualification for higher SBA-guaranteed surety bonds on construction

and service contract bids for eligible HUBZone-certified businesses

Kentucky District Office Mazzoli Federal Building 600 Dr. M.L. King Jr. Pl. Room 188 Louisville, KY 40202 502-582-5971 www.sba.gov Your Small Business Resource

Every day, the U.S. Small Business Administration and its nationwide network of partners help millions of potential and current small business owners start,

grow and succeed.

Resources and programs targeting small businesses provide an advantage necessary to help small businesses effectively compete in the market-place and strengthen the

overall U.S. economy.

SBA offers help in the

following areas:

Starting a Business

Financing a Business

Growing a Business

Opportunities in

Contracting

Recovering From

Disaster

A Voice for Small Business in

Government

Visit SBA online at www.sba.gov for 24/7 access to small business news, infor-mation and training for entrepreneurs.

All SBA programs and services are

provided on a nondiscriminatory basis.

Recovering From Disaster:

When the President or SBA Administrator declares a disaster, homeowners, renters and

businesses of all sizes may apply for low-interest SBA disaster loans.

Real Property Loans

Loans up to $200,000 for homeowners to repair or restore a home to its previous condition

Personal Property Loans

Up to $40,000 for homeowners and renters to repair or replace personal property such as

clothing, furniture or automobiles lost in the disaster

Loans for Businesses

Physical Disaster Loans – For non-farm businesses of any size and non-profit

organizations. SBA makes loans of up to $2 million to repair or replace damaged property,

inventory and equipment.

Economic Injury Disaster Loans – Small businesses or agricultural cooperatives may be

eligible for SBA assistance if they have suffered substantial economic injury in a declared

disaster area, regardless of physical damage.

Military Reservist Economic Injury Disaster Loans – Loans of up to $2 million can help

small businesses sustain operations when an essential employee or owner is called to active

duty as a military reservist.

Your Voice in Government:

SBA’s Office of Advocacy serves as principal resource for small business statistics and

monitors small business trends

Advocacy monitors regulatory and other policy proposals of more than 20 federal agencies

for impact on small businesses

Office of National Ombudsman coordinates 10 regional regulatory fairness boards which

receive comments about federal regulations affecting small businesses.

KENTUCKY DISTRICT OFFICE:

600 Dr. Martin Luther King Jr. Place, Room 188, Louisville, KY 40202

Tel.: 502-582-5971 Fax: 502-582-5009 TDD: 502-582-6715

Website: www.sba.gov/ky

SERVICES AVAILABLE

Financial assistance for new or existing businesses is available through guaranteed loans made

by area bank and non-bank lenders. Special loan programs are available for businesses

involved in international trade. Free counseling, advice and information on starting, better

operating or expanding a small business through SCORE, Small Business Development Centers

(SBDC) and the Women’s Business Centers (WBC). A Women's Business Ownership

Representative is available to assist women business owners. A Veterans Affairs Officer is

available to assist veterans. Assistance to businesses owned and controlled by socially and

economically disadvantaged individuals is available through the Business Development

Program. SBA also conducts training events throughout the state. Some training events require

a nominal registration fee.

Understand how to build your credit score

Reprinted on January 10, 2011, courtesy of Yes, You Can. For more information, please visit www.yesyoucanonline.info.

Many Americans don’t realize the importance of their credit record, yet it’s something that is critical to their daily lives. Your credit record is especially important when it comes to making big purchases like a house or car. If you don’t have a good credit history, you may be forced into a loan at a very high interest rate ... that is, if you are able to secure a loan at all. What makes up your credit score? Credit scores are used to rate the information in your credit report. They are calculated much like a traditional report card and are weighted based on a number of factors. There are many different credit scores with a variety of ranges. One of the most recognized is produced by FICO and has a range of 300 (for someone with poor credit) to a perfect 850. Here’s approximately how it breaks out:

35 percent of the score is based on your payment history. Paying your bills on time is crucial to a good credit score. On the other hand, if you’ve paid your bills late, filed bankruptcy, or have received collection notices in the past, your score will be negatively impacted.

30 percent is based on outstanding debt. This portion is impacted by the total number of loans you have outstanding – such as your home mortgage, a car loan, any student loans or credit cards – and the balance on those loans.

15 percent is based on the length of time you’ve had credit. The longer you’ve established credit, the better it is for your overall score.

10 percent is based on new credit. This means you’ll be penalized if you’ve opened too many credit card accounts in the last year, or even if you’ve had too many inquiries into your credit record.

10 percent is based on the type of credit you currently have. This refers to various types of credit such as installment loans (like an auto loan), a revolving credit card account and a home mortgage.

Even though there are many factors which can impact your credit score, here are three simple ways to build good credit:

1. Pay your bills on time; 2. Eliminate outstanding balances on credit cards, since high debt can negatively affect your score; and 3. Don’t open new credit card accounts if you don’t absolutely need them.

Maintaining good credit can mean an enormous difference in what you’ll pay in interest rates over the years. According to myfico.com, a 100 point difference in your credit score could mean paying more than $40,000 in extra interest payments over the life of a 30-year mortgage on a $300,000 home loan. To help you track your credit record, review your credit report regularly and monitor your activity. To get your free annual report click here.

Credit history

• Equifax 800-997-2493

• Experian 800-916-8800

• TransUnion 800-397-3742

• www.annualcreditreport.com