Get Money From Nonprofit Organizations to Start a Business
Nonprofit organizations come in all shapes and sizes and offer a wide range of services to help those who want to start or expand a business. Some like the Community Development Financial Institutions Fund give money to banks, who in turn loan it to those who want to become entrepreneurs. In addition, many of these banks also provide technical assistance and training to help you become a success. Other nonprofits provide unconventional loans. These are loans to low and moderate income individuals who don't qualify for credit through conventional methods. The aim is to help individuals become self-sufficient and stimulate growth in the economy. Nonprofits also offer business assistance in the form of training, counseling, mentoring, support, and more. This kind of help can be the difference between success and failure. Sometimes businesses only need a small amount of money to get off the ground and that is when a microloan can be of help. Whereas other times a larger loan may be needed and that is when you might turn to a Certified Development Company for assistance. If all that weren't enough, many nonprofits operate business incubators where you can find low rent, technical support, and more to help nurture your company during the beginning phase of operation. The Business Information and Tribal Information Centers provide a one-stop center for books, publications, software, and other help to get your business up and running. Read through the following sections to see what kinds of help are available to you. You will be surprised at what you find!

Millions For Those In Communities In Need

Been turned down for a loan to start a business or buy a house? Want money to expand your business or fix up your house? The government supports certain banks and credit unions who help people who have trouble getting loans elsewhere, so they can make their dreams come true. These banks have special programs to helpthose in need. The banks work with people who have poor credit histories or little savings. They can provide you with the loans you need, as well as teach you how to manage the money.

It is often the case for those who live in poor communities that finding funding to buy a house or start a business is impossible. Banks and other financial institutions are not willing to take the risks necessary to lend money in poorer neighborhoods. Individuals who live in these neighborhoods do not have a relationship with a traditional bank or depend on the services of places such as pawnshops, check cashers and payday lenders. Many of these individuals live in neighborhoods where no bank branches are found, or cannot buy a home or start a business because they lack the credit history or collateral needed. Some people become victims of predatory mortgage lenders, whose excessive interest rates, fees and prepayment penalties may lead to foreclosure and loss of the home.

Not only individuals and businesses suffer from the lack of financial services and financing, but community service suffers as well. Nonprofit developers have limited alternatives for financing new affordable housing units. Low-income communities in great need of childcare centers, hospitals, or charter schools find these services in short supply. Capital needed to revitalize these areas is difficult to obtain.

The U.S. Department of Treasury’s Community Development Financial Institutions (CDFI) Fund is designed to award money to banks in support of their activities benefiting needy communities across the country. These banks provide a range of financial products and services including: mortgage financing for first-time-home-buyers, financing for needed community facilities, commercial loans and investments to start or expand small businesses, loans to rehabilitate rental housing and financial services needed by low-income households and local businesses. CDFIs include community development banks, credit unions, loan funds, venture capital funds, and microenterprise loan funds.

To help keep their investments safe, CDFIs provide technical assistance and training to their borrowers. Through credit counseling, business training and first-time homebuyer training, individuals learn how to manage debt and how to recognize predatory lending practices; entrepreneurs learn how to grow their businesses responsibly; and first-time homebuyers learn the importance of budgeting and home-repair to maintain the value of their homes.

The following examples are excerpted from the websites of the U.S. Department of Treasury’s Community Development Financial Institutions Fund (CDFI) and lending institutions listed in this chapter. Contact CDFI and lenders in your area for more information on how they can help you.

Do you dream of starting a business, but don’t have the start-up funds you need to stock the shelves? North, South, East, West - there is money all over the USA to help people just like you. In this case, the funds are available through local banks, and granted to individuals, businesses and organizations. The money is available through the U.S. Department of Treasury’s Community Development Financial Institutions (CDFI) Fund.

The CDFI Fund does not make loans directly to individuals. Instead, it directs funds to local banks, as they know their community best. The banks receive enough funds to make a number of loans available to their community. For example:

• In the Snow Belt, the University Bank of St. Paul, Minnesota received an award of $795,969.
• In rural Mississippi, the Delta Southern Bank of Ruleville received an award of $401,521.
• On the East Coast, the Harbor Bank in Baltimore, Maryland, received $663,818.
• And, out West, the Northern Trust Bank in Phoenix, Arizona, received $354,506.

Once the banks receive the funds, they can use the money to assist individuals who want to start their own businesses, and can also help owners of existing businesses. When banks help businesses grow, this means more jobs and stability for the community.

If the bank in your area is a certified community development financial institution, that means they receive funds from the federal government that are earmarked to help people like you. If you are thinking about starting a business and need a loan to get the office up and running, if your firm is ready to grow and you need a boost of capital, or if you need help with the nuts and bolts of operating your business, contact a community development financial institution. That is what individuals from every corner of the country have done – and below are their success stories.

A Support Team for Financial and Technical Help

In 1991, Margaret Quenemoen was living in her car. As a last ditch effort to make ends meet, she began making and selling headbands for skiers – and the headbands sold like hot cakes. She now sells thousands of vests, jackets and other outerwear throughout the country, earning millions of dollars in sales every year. Quenemoen credits her leap to success with the help she received from her local CDFI, the Utah Microenterprise Loan Fund (UMLF).

Quenemoen had been turned down for bank loans, but the UMLF recognized her drive to succeed and awarded her a $10,000 loan. They also helped her with technical assistance, so she could make the best decisions for her business. “The information was new to me,” she explained. “The UMLF helped get me through the processes needed to comply with the regulations. The people there were my support team!”

Springboard to Success
When Digital Equipment Corporation shut their doors, one of their employees saw an opportunity to open doors of his own. Tony Dolphin proposed to buy out the division that repaired hard drives, and go into business for himself. Dolphin knew that he would have to grow to stay competitive, so he secured funding from the Boston Community Ventures Fund. More than ten years later, his firm – Springboard Technologies - provides services to large computer manufacturers, and also offers a jumpstart for local students through community college training programs.

Pick the Outcome to Your Story

Imagine going to the office – in your own garage! That is where Joe and Bambi Serna once operated their Colorado-based print brokering service. Along the way, they learned enough about the printing business to open their own plant, but needed funds to help them expand. Their local CDFI, the Colorado Enterprise Fund, helped them meet their goals.

According to Joe Serna, “Small companies don’t always need millions to get started. Sometimes a few thousand is all you need to get the ball rolling.”

Joe says he owns a business because he wants the opportunity to make his own destination. “By owning your own business, you pick the outcome to your story.”

A River of Dreams
We all have dreams. For Don Hasch, it was to turn his love for canoeing and recreational activities into a business. When the owner of a local canoe rental company retired, Don saw his chance. Like so many would-be entrepreneurs in rural areas, however, he could not raise the capital he needed. He approached a Pennsylvania-based CDFI called The Progress Fund, and secured a loan that made his dream a reality. Now he is the owner of Hazelbaker’s Recreational Services, which offers canoe, kayak and fishing trips - and for those who prefer their recreation on dry land, Don rents out bikes and provides space for picnics.

Cooking Up Good Business
Sha-Dee’s Kountry Kettle is known as having the best food in Salisbury, Maryland. Before Shelvia and Delores Donohue opened the restaurant, they had 40 years of restaurant experience between them – so they knew how to make a delicious meal. But, a restaurant needs to offer more than what’s on the menu. – so with a loan from Maryland Capitol Enterprises, they were also able to enhance operations and help their business grow.

When A Traditional Bank Won’t Help

Charles Leseman and Philip Mahler met in a hardware store – and decided to go into the contracting business. They came upon a project that was good business, and also helped their community. They planned to develop a hotel into apartments, and to partner with a social service agency that worked with homeless individuals who needed efficiency units. Finding funding through traditional banks for the project was difficult. When Leseman and Mahler contacted their local CDFI – the Community Capital Bank of New York City – they secured the money required.
 
“Compared to other institutions, Community Capitol Bank is the best I’ve ever worked with,” Leseman says. “You never felt like you were small when you were dealing with them.”

For more information contact
Community Development Financial Institutions Fund
601 13th St., NW, Suite 200
Washington, DC 20005
202-622-8662
Fax: 202-622-7754
www.cdfifund.gov

Unconventional Loan Programs

The following is a description of loan programs available to low and moderate income individuals, minorities, Native Americans, Hispanics, refugees, unemployed individuals, welfare recipients, youths, and low and moderate income individuals who don't qualify for credit through conventional methods.

Most of these programs allow individuals (depending on the situation) to roll closing costs and fees into the amount of the loan. So you actually go to the closing with NO money in your pocket.

The aim of these programs is to stimulate economic growth through small businesses or microenterprises. Helping individuals become self-sufficient is the main focus, and also to challenge conventional methods of providing credit. All of the programs hope to demonstrate that persons with limited incomes are responsible, will repay, and can become successful if given access to knowledge and resources.

Some programs are designed just for youths, (15-21 years old), to develop their own businesses, avoid drugs and crime, sharpen academic skills and form positive attitudes about themselves and their communities. This is accomplished by utilizing the leadership, communication, management and business skills they may have acquired through affiliation with the illegal drug trade and other street activities. Loan amounts can range from $50 to $2,000 with terms from six months to two years.

The following examples are excerpted from the websites of the microenterprise and technical assistance organizations listed in this chapter. Contact the organizations listed in your area for more information on how they can help you.

Susanna Rodriquez started making ceramic figurines for children's parties. Susanna is a former teacher's assistant who presently works in the kitchen of her small apartment. Her creations fill every free corner. She was constantly looking for ways to expand her business. One day she was in a store where the owner sold similar products. As they were comparing notes, the owner mentioned ACCION New York. After four loans as a result of working with that organization, Susanna's monthly revenue from her ceramics business has increased from $350 a month to $800 a month. In time, she hopes to open her own store. She feels that if it were not for ACCION, she would not be at the advanced stage of business that she is enjoying now.

Jeff Hess of Virginia had fished and hunted with his father since the age of five. He earned his associates degree in business and was working in an assembly plant for a moderate hourly wage, but wanted more. At the age of 24 he didn't see opportunity coming to call on him because he had no money and no credit. He and his wife, Cherylanna enrolled in the BusinessStart class at People, Inc. With this training, assistance in small business planning and a small loan, Jeff and Cherylanna were able to buy a bait shop in Honaker and turn it into Bucks and Bass, a full service hunting and fishing store. Located in prime hunting and fishing country, Bucks and Bass has nearly doubled its sales in its first year alone. Both Jeff and Cherylanna have left their jobs and run Bucks and Bass full time.

Making it in Miami

Can two recent immigrants begin anew in the competitive business world of Miami, Florida?

If they combine hard work with the support of an ACCION loan, the answer is yes. When Claudia, Javier, and their daughter arrived in Florida, they were fleeing the violence of their native Columbia – and were forced to leave a thriving architectural practice behind. Javier found work as a handyman, and Claudia studied for the General Contractors’ Exam. When she passed the exam, the couple was ready to open a remodeling business – but with no credit history, they could not secure the commercial credit they needed.

They turned to ACCION USA for working capital to pay for the labor and supplies for their first remodeling job. Now the couple is managing various projects, and employing 15 subcontractors. The ACCION loan helped them get started, and they built the business from there!

A Rocky Mountain Success Story
What would you do if you found yourself divorced and facing bankruptcy after 33 years of marriage and raising children? That was what happened to Kathy Cowgill. It was “the most humiliating time of my life,” she says, but then she decided to pick up the pieces and start her own business.

Kathy decided to start a window-blind cleaning and repair business. A friend agreed to co-sign a loan through MicroBusiness Development Corporation’s BusinessWorks! Program with the MicroBusiness Development Corporation in Denver, Colorado, and Kathy was on her way.

She and her son-in-law – who worked for free – built a shop in the garage. Within two years Kathy added a mobile unit for on-site cleaning and an office behind the shop. She also hired two full-time employees.

Kathy recently closed on her second BusinessWorks! loan, which she will use to further expand the business.

The Fastest Plumber in the USA

Tino Rodriguez is no ordinary plumber. He once entered a contest and won first prize – a 1957 cherry red T-Bird convertible – for being the fastest plumber in the nation. Rodriguez saw more in the T-Bird than a flashy car, however. He also knew it might be the ticket to his own plumbing business.

Rodriquez contacted the Santa Cruz Community Credit Union, which provides a variety of loans to entrepreneurs in the Santa Cruz, CA, area, and offered his prize as collateral for a loan. The credit union agreed. They gave him enough money to launch Tino’s Plumbing – and ten years later, the firm has a fleet of vans, an office, a showroom and 13 full-time employees.

Rodriquez still works with the credit union – and they call him for their plumbing needs!

Turning a Profit with Lullabyes

Elizabeth Baez is redecorating the living room in her Chicago apartment - with cribs, rocking chairs and teddy bears. In an effort to get off of welfare, Baez opened a child care center in her home. She soon discovered an unfilled niche: many parents work the night shift, with no place to bring their young ones. Her nighttime childcare service will meet that need.

Baez launched the center because she did not want to leave her own children in daycare. She took a class to get licensed – but then she needed a loan for equipment. But who would lend money to a recent welfare recipient? She heard about ACCION Chicago, and within a few days, she had a loan of $5,000 for highchairs, tables, playpens and a washer and dryer.

As with many small business owners, Baez is taking it one step at a time. Offering daytime care got her back on her feet – thanks to the ACCION loan. Now that she has steady customers and can expand to overnight hours, she will begin to see a profit.

Baez says the home-based business is good for her family, and for her peace of mind. “It stabilized me in my home,” she explains. “I don’t have to wake up and wonder if a welfare check is going to be there at the agency or not.”

You Are Never Too Young to Succeed!

Got the energy and dreams of youth? You may as well profit from it! The Prudential Young Entrepreneur Program (PYEP) helps young people in the Newark, New Jersey and Philadelphia who want to start a business and need a loan, business skills and technical assistance to get the ball rolling.

Jamila Payne of Philadelphia started her high-end, on-line boutique, Mila by Mail Direct in May 2003 after receiving a microloan through PYEP. Her designs have created a buzz in the industry, and she is mentoring student interns who want to launch their own businesses.
 
In Newark, Joseph Cambell launched a network of African-American professionals called BLACKNJ with the help of PYEP. BLACKNJ is a thriving network of over 2,000 members connected by a website, an e-news-letter, and networking events. The network allows members to establish professional contacts and support each other.

PYEP graduates Natasha Haughton and Nevea Van Wright, also of Newark, started another community organization, Integrated Vision for Youth (IVY). IVY empowers urban youth through environmental awareness, leadership training, and life skills coaching.

A Last-Minute Loan to Open the Doors

Jocelyn Tejada arrived in Boston from the Dominican Republic with a limited knowledge of English and a great big dream. She was a talented hairdresser, and wanted to operate her own beauty salon. Jocelyn and her husband both found jobs and worked on renovating a salon after hours – and then, just before the opening day, the faced a problem that needed a lot of money to fix. They could not install the right air conditioning system, and that was crucial to attracting customers in the hot summer months.

This is the kind of barrier that can put the brakes on opening a small business, as many lenders are hesitant to provide a loan when there is no track record to back it up. And, they needed the money quickly in order to open on time. The Tejadas approached ACCION USA, and the salon welcomed its first customers on a steamy day in June.

“ACCION USA was just great,” says Francisco. “They loaned to us when no one else would.”

The salon was soon bustling with customers. With the success of the business, the Tejadas can look forward to a secure future for their three children – and a cool place to work every summer!

Loan Programs - National Programs

The Abilities Fund
332 S. Linn St., Suite 15 866-720-3863
Iowa City, IA 52240 319-338-2521
http://www.abilitiesfund.org Fax: 319-338-2528
The Abilities Fund is a nationwide developer targeted exclusively to advancing entrepreneurial opportunities for Americans with disabilities. They deliver a combination of training, technical assistance services, and advisory supports to individuals with disabilities and the organizations that support them. They also assist entrepreneurs to obtain the funding they need to launch or grow a small business by linking entrepreneurs to a variety of lending programs that best match the needs and situations of the borrower.

Association for Enterprise Opportunity
1601 North Kent St., Suite 1101 703-841-7760
Arlington, VA 22209 Fax: 703-841-7748
http://www.microenterpriseworks.org/
The Association for Enterprise Opportunity is committed to microenterprise development. It primarily assists organizations to promote opportunities for people with limited access to economic resources. They do have a wide variety of resources and a list of organizations in your area.

FIELD (Microenterprise Fund for Innovative, Effectiveness, Learning and Dissemination)
The Aspen Institute
One Dupont Circle, NW, Suite 700 202-736-1071
Washington, DC 20036 Fax: 202-467-0790
http://fieldus.org/home/index.html
FIELD’s mission is to identify, develop and disseminate the best practices throughout the United States about microenterprise programs as an anti-poverty intervention. They offer publications, access to information as well as a directory of microenterprise organizations.

Community Express: Entrepreneurial Loans and Business Assistance
National Community Reinvestment Coalition
733 15th Street, Suite 540 202-628-8866
Washington, DC 20005 Fax: 202-628-9800
www.ncrc.org/
The goal of the National Community Reinvestment Coalition’s CommunityExpress program is to provide financing and technical assistance to entrepreneurs who have been under-served by financial institutions. The national initiative is administered jointly by the NCRC and the U.S. Small Business Administration, with local banks and nonprofits providing support and resources. How it works: SBA guarantees business loans, community-based organizations provide the technical support, and lenders compensate these groups for the cost of support. Eligible small businesses must be located in low-income areas, or owned by women, minorities or veterans. The average size of a CommunityExpress loan is approximately $75,000, with the maximum allowable loan set at $250,000. Interest rates on loans do not exceed 2.75% over prime rate. The CommunityExpress Program also includes pre- and post-loan assistance in the form of marketing, financial, management and planning assistance. To qualify, a business should be owned by or serve low-income populations, women or minorities.

Low Interest Finance Options With A New Kind of Bank
FINCA International, Inc.
1101 14th Street, NW, 11th Floor
Washington, DC 20005 202-682-1510
www.villagebanking.org
Though its development efforts extend beyond US borders, the Foundation for International Community Assistance (FINCA) works hard to help metropolitan Washington DC entrepreneurs achieve economic and personal success. FINCA offers self-employment loans to business founders through its unique Village Banking program. The program offers market-rate loans and savings products to those who could not otherwise obtain them. Loans typically range from $500 to $6,000, with participants able to benefit from a five loan “cycle.” FINCA’s Village Banking program has a communal aspect, with groups of participants who meet to discuss their businesses and financial issues; group members may guarantee loans for each other. Services in the DC area also include monthly training classes in entrepreneurship that help clients master such skills as developing business plans and marketing strategies, managing time, and improving credit records. To date, over 250 DC-area entrepreneurs have benefited from the local outreach efforts of this international development star.

Grameen Foundation/USA
1029 Vermont Avenue NW
Suite 400 202-628-3560
Washington, DC 20005-3517 Fax: 202-628-3880
www.gfusa.org/
Very low-income individuals can start their own businesses with the assistance of a loan from the Grameen Foundation USA. This international organization dedicated to stopping poverty administers a microcredit program for poor Americans looking to start a small or home-based commercial business. Targeted borrowers include women, minorities, and those living below the poverty line who have no hope of receiving funding from traditional lenders. Loan amounts are typically very small, under $5,000 and require no financial collateral on the part of the borrower.

Environmentalists Take StEPPs Toward New Business Success
The StEPP Foundation
P.O. Box 468 303-277-0932
Golden, CO 80402-0468 Fax: 303-384-3636
www.steppfoundation.org
Entrepreneurs with a focus on environmental and energy conservation have a source of business funding in the Strategic Environmental Project Pipeline (StEPP) Foundation. StEPP specializes in finding loans and grants for renewable energy, energy efficiency or pollution prevention projects to be undertaken by emerging businesses. How it works: A new business submits a proposal to the Foundation for evaluation. If accepted, the proposal is entered into a database system, which regularly searches for a “match” – a government entity, nonprofit or other organization that has either a need for a particular project or a need to provide funding whose requirements match the characteristics of an entrepreneur’s proposal, skills and business plan. StEPP looks at a number of characteristics in business owners and their proposed ventures to determine eligibility for funding. These include a proven capability for successful project completion on the part of the entrepreneur; the immediacy with which a project can be implemented; a demonstrated ability to complete and plan for the operation, maintenance and management of projects; and the potential positive impact of a venture on a local community, region or state. The program is primarily designed for businesses that have past the start-up stage and are looking to expand. Businesses throughout the country are eligible for funding services. StEPP also provides assistance with all application steps and also provides technical assistance and project oversight to chosen ventures.

$700 Grant to Start Your Business
Trickle Up
104 W. 27th St., 12th Floor 212-255-9980
New York, NY 10001 866-246-9980 (toll-free)
www.trickleup.org Fax: 212-255-9974
Trickle Up provides grants of $700 (in two installments) to people wishing to start a business. Frequently these businesses are based in the home. They provide business training and seed capital to low income individuals who want to become entrepreneurs. Trickle Up works with 250 different coordinating agencies to provide the business training necessary to receive this grant. The first $500 is given once a business plan has been completed, and the second $200 is given after the business has been operational for 3 months. Contact Trickle Up to learn if a program is available near you.
 
$8,000 For a Car, School, Business or House Down Payment
IDA Network
Corporation for Enterprise Development
777 N Capitol St NE, Suite 800
Washington, DC 20002 202-408-9788
http://www.idanetwork.org/index.php?section=state&page=state_pages.html
Over 500 programs run by nonprofit organizations will give you up to $5 for every $1 you place into a savings account that is used to complete a life goal like education, housing , start a business, or even transportation. They are called Individual Development Accounts and they are designed for people with little money to save. You can make up to $60,000 and still qualify. To find a program near you contact the IDA Network.

Prudential Young Entrepreneur Program
240 Dr. Martin Luther King Jr. Boulevard
Newark, NJ 07102 973-643-4063
http://www.njit-edc.org/PYEP.htm
Young entrepreneurs can learn skills that can be translated into successful business ventures, better job opportunities, and enhanced real-world skills. They can also meet other entrepreneurs and successful business-people, have access at PYEP facilities to office space and computers, and may be eligible for $15,000 in loans to assist the launching of a business. PYEP covers such topics as Recognizing a Business Opportunity, Marketing Your Idea, Effective Sales Strategies, Understanding Your Costs, Choosing a Structure for Your Business, Building a Work Team, Using Cutting-Edge Computer Technology, Raising Capital, and Developing a Business Plan. There is a $25 fee for each participant upon acceptance into the program.

Loan Programs - State Programs

Contact the National Programs, your state Department of Economic Development, your local Chamber of Commerce or your Small Business Development Center to see what programs may be offered in your area.

Free Business Assistance Programs

A helping hand is just a phone call away for individuals who want to enter into a small business or microenterprise. If you fall into any of the following categories: low to moderate income, Native American, minorities, women, welfare recipients, or have little or no money, you may be eligible for a wide range of assistance. These programs are aimed to assist individuals toward self-sufficiency.

Imagine getting training, counseling, peer support and exchange, and mentoring for free to help you get the knowledge you need to start your own business. Learn how to prepare a business plan and get guidance from the best instructors in the country. One such program is NOVA, located in Arkansas. Their program has four major components: Group Training; Individual Sessions; Business Start-Up; and Networking and Mentoring.

Imagine youths able to receive effective business course training. One such program is Kidpreneur Enterprises, located in Michigan. This program is available to all youths who express an interest in owning and operating their own small business. Kidpreneur is designed to provide and instill concepts and experiences in the minds of youths.

Doors can open for entrepreneurs, like Adina Rosenthal, owner of Threadbearer, a fabric and accessory shop located on Capitol Hill. At a very young age, Adina knew she wanted to work with fabrics. At age 17, she lost the use of her right arm when she was hit by a logging truck. After receiving her degree from the Fashion Institute of Design and Merchandising she attempted to get work at various design companies only to be passed over time and time again. A friend suggested she join the Black Dollar Days' program for entrepreneurs. After completing their entrepreneurial program, Adina opened Threadbearer. She accredits her success to the assistance she received, and is still receiving, from the Black Dollar Days Task Force.

Daryl Anderson an experienced roofer, lacked the necessary skills to run a business of his own. In 1994, Daryl began his involvement with the Cottage Industry Programs offered by the Portsmouth Community Development Group (PCDG) in Montana. After a year of technical assistance, the use of an office, and hours of encouragement, Daryl and his wife Karen were able to open Quality Roofing and Siding. Daryl admits he never would have made it without PCDG's commitment to business counseling and training.

The aim of these programs is to develop a participant's confidence and skills in understanding business enterprise and to further the development of viable business ideas.
 
The following examples are excerpted from the websites of microenterprise organizations and lending institutions listed in this chapter. Contact organizations and institutions in your area for more information on how they can help you.

A High School Drop-Out Becomes a Role Model of Success

Sonja Thornsberry dropped out of high school to marry her high school sweetheart. She had four children, and felt she was living the American Dream. Then, her husband was injured, and Sonja became the family breadwinner overnight.

Without training or a fancy resume, what could she do? Sonja thought that owning her own business was the answer, and decided to become a used car dealer. She researched the industry, bought a used car at an auction and sold it for a profit. The experience was an eye-opening event that changed her life. She was now convinced that there was money to be made and she could carve out a future for her family.

Despite her enthusiasm, Sonja had empty pockets within the first six months of her business. For the next two years, she worked in a sewing factory to make ends meet, and then ran her car lot in the evenings. But even with all the hours she put in, the business was not as successful as she had hoped. She knew that something needed to change if she was going to succeed.

Sonja contacted BusinesStart, a microenterprise program operated by People, Inc of Southwest Virginia. After taking the Business Basics class, she put together a business plan and applied for a loan. This allowed her to increase her inventory and to generate cash flow while getting a new financing program into action.

Sonja's company now grosses over $250,000 a year. Her children are involved in the business, and look to her as their role model for success. After watching her “drop out” mom become a successful business owner, Sonja’s daughter became the valedictorian of her high school graduating class.

A Plan to Get Started

Francisco Ramos wanted to run his own gardening business, but needed help with getting it started. He enrolled in a course with the California Association for Microenterprise Opportunity (CAMEO), which offered a Spanish-language Entrepreneur Training class. The class taught Francisco to structure his business plan in a way that allowed him to cover his startup costs.

Francisco is now the proud owner of Ramos General Gardening, which provides home and business gardening services from basic maintenance to landscape design and execution. Since taking the class, his success has allowed him to purchase two trucks and upgraded his equipment. CAMEO helped Francisco plant the seeds – and he is making the business bloom.

Stick With Your Dream!

What do you do when your employer closes the doors, and no one else is hiring? If you ask Jequita Stutts, she’ll tell you to hold onto your dream.

Jequita, a single mother of two, lost her job and became dependent on food stamps and assistance from social services. She was about to leave her hometown in rural Virginia to try her luck in Florida – but she had a dream. She knew of a small cinder block building along the road to a popular fishing and boating destination, and wanted to open a convenience store there create a job for herself and others in her community.

It remained a dream, however, until Jequita heard about BusinesStart, the microenterprise program operated by People, Incorporated. She enrolled in BusinesStart's twelve-hour Business Basics class to learn more. Although she knew it was going to be hard work, she was encouraged enough to develop a business plan and go forward for a loan. Three months after taking the class, her dream became a reality. She opened The Gap Grocery, which features convenience foods, kerosene, and fishing supplies.

During the first four years, sales slowly but steadily increased, even during bad winter months. The business now grosses well over $200,000 a year, making it possible for Jequita to employ three part time people in addition to herself. She has paid off her BusinesStart loan completely and now owns both the building and the business. As Jequita will tell you, dreams can come true!

Discover an Untapped Market

Scott Sordahl worked in the timber industry until back injuries forced him to seek a new way to support his family. When a friend mentioned that he couldn't find a place within miles to have his boat repaired, Scott realized there might be an untapped market of boat owners who would pay for his mechanical expertise.

Before he hung out a shingle, Scott wanted to make sure his intuition was right. He signed up for a class entitled, It's Your Business, through the Jefferson Economic Development Institute (JEDI) in Mt Shasta, CA.. His research through these classes showed him that there were about three thousand boat owners in his county. He ran the numbers and determined that if he could earn just five percent of that market, he could build a viable business, and Mt. Shasta Specialty Marine opened its doors.

After five years into the business, Scott plans to start a boat dealership, selling boats and motors as well as repairing them. And it all started through a casual conversation with a friend!

Homemaker’s Hobby Hits the Big Time

Carol Willoughby wanted to add to the family's income, but she lacked the confidence to ask for a job. Instead, she used her interest in art to start a small sign and banner business. Seven years later, sales were 20 times what they were when she hung her first sign.

Carol began by making wedding and church banners in her living room. A turning point came when she wanted to display her wedding banners at a bridal show in a local convention center, but did not have enough money for exhibitor’s fee. She offered to make signs for the show’s producers in exchange for the fee, and when the staff at the convention center saw her work, they hired her to make signs for them.

The business was about to take off, but Carol still needed the confidence to make it successful. She found a mentor at the Northeast Entrepreneur Fund in Minnesota, and now credits the organization with teaching her about business ownership and coaching her through the growth and development of her company.

“I had no experience with self-employment,” she said. “My mentor kept saying, 'Of course you can do this!' I still check with her on every important step I take."

Today, her business provides convention, sporting event and special promotion signage for the upper Midwest. As the business grew, so did Carol’s confidence. Now, she sets new business goals each year – and has what it takes to achieve them.

Take the First Step

Blake Eames is an artist and a small business owner. She wanted to open a studio and to sell her artwork, but with no collateral and no financial backing, how could she get started?

"I went to the bank first," Blake she said. "They had no interest at all in financing an artist."

One day she drove past Community Ventures Corporation (CVC) in her home town of Lexington, Kentucky, and decided to go inside. That was her first step toward success. She found someone willing to listen to her dream and help her figure out how to make it happen. Blake says working with CVC helped her learn how to focus her business, implement a marketing strategy, be realistic about who her customers might be and the income she could expect to generate.

Though she is miles past her first step, Blake continues to use the resources at CVC assistance with marketing and networking. The journey continues!

Technical Assistance Programs - National Programs

The Abilities Fund
332 S. Linn St., Suite 15 866-726-3863
Iowa City, IA 52240 319-338-2521
http://www.abilitiesfund.org Fax: 319-338-2528
The Abilities Fund is a nationwide developer targeted exclusively to advancing entrepreneurial opportunities for Americans with disabilities. They deliver a combination of training, technical assistance services, and advisory supports to individuals with disabilities and the organizations that support them. They also assist entrepreneurs obtain the funding they need to launch or grow a small business by linking entrepreneurs to a variety of lending programs that best match the needs and situations of the borrower.

Association for Enterprise Opportunity
1601 North Kent Street, Suite 1101 703-841-7760
Arlington, VA 22209 Fax: 703-841-7748
http://www.microenterpriseworks.org/
The Association for Enterprise Opportunity is committed to microenterprise development. It primarily assists organizations to promote opportunities for people with limited access to economic resources. They do have a wide variety of resources and a list of organizations in your area.

FIELD (Microenterprise Fund for Innovative, Effectiveness, Learning and Dissemination)
The Aspen Institute
One Dupont Circle, NW, Suite 700 202-736-1071
Washington, DC 20036 Fax: 202-467-0790
http://fieldus.org/home/index.html
FIELD’s mission is to identify, develop and disseminate the best practices throughout the United States about microenterprise programs as an anti-poverty intervention. They offer publications, access to information as well as a directory of microenterprise

Hobbies into Cash
http://www.make-stuff.com/home_business/index.html
Make-Stuff.com is an on-line resource for crafters, hobbyist and entrepreneurs. They provide information in turning your craft or hobby into a marketable business.

Free On-Line Training
My Own Business Inc.
13181 Crosswoods Parkway North
Suite 190 562-463-1800
City of Industry, CA 91746 Fax: 562-463-1802
http://www.myownbusiness.org/
My Own Business Inc. is a nonprofit organization dedicated to educating entrepreneurs by giving them access to vital information about business. They provide a free 12-session business course intended for both start-up and established businesses.

ONABEN
11825 SW Greenburg Rd., Suite B-3 800-854-8289
Tigard, OR 97223 503-968-1500
http://www.onaben.org/ Fax: 503-968-1548
ONABEN is a nonprofit organization created by Northwest Indian Tribes to increase the success of private businesses owned by Native Americans regardless of tribe. They offer free workshops on a variety of topics including: Website Planning and Development and Website Building Computer-Based Workshop. Their business classes: Financial Literacy and Starting a Successful Business are available for a fee. ONABEN is available to Native Americans living in Oregon, Washington, Idaho, or Northern California.

FastTrac National Headquarters
4747 Troost 800-689-1740
Kansas City, MO 64110 Fax: 816-235-6216
Looking for an organization that focuses on educating and producing successful new business owners? FastTrac is a comprehensive entrepreneurship-educational program that provides entrepreneurs with business and leadership skills and professional connections needed to create a new business or expand an existing enterprise. The FastTrac program includes practical, hands-on business development programs and workshops for existing and aspiring entrepreneurs. Separate tracts are available depending on the needs of the entrepreneur. They include: New Venture (which supplies the vitals for all prospective businesses), Planning, Tech, Manufacturing, FirstStep, and many others. The national program is administered locally by partner agencies; costs vary by administering organization. See {http://www.fasttrac.org/search_event.cfm} to find out who is currently offering FastTrac programs. FastTrac is affiliated with Ewing Marion Kauffmann Foundation, a leading provider of entrepreneurial grants to nonprofit organizations.

Loads of Grant Opportunities To Start or Expand Your Business
www.businessownersideacafe.com/
The Business Owners’ Idea Café, a website dedicated to the needs of prospective business owners, provides lists of current available grant money on its BizGrant pages. Included are up-to-the minute listings of grants available from government sources, nonprofit organizations, and corporations. The offerings are often offbeat, including competitions and questionnaire applications, with awards ranging from full business financing for a year, to free website hosting, to training courses. The website provides a description of grant application procedures for each listing, deadlines [usually in the upcoming month(s)], the exact nature of the grant award, and a link to the grantor. The Idea Café itself also awards grants to entrepreneurs to aid in business start-up. A brief information page must be filled out in exchange for free log-in access to the BizGrant site.

You’re Never Too Young to Discover Business
Discover Business
http://www.sba.gov/young/indexyoung.html
The curriculum provided on the website is designed to enhance a semester course in small business ownership or entrepreneurship. Each lesson includes a teaching guide and a topic outline, black-line print masers for overheads, paper-based activities, answer-keys for the activities, and worksheets. The worksheets can be used in conjunction with the Business Basics, which outlines the steps to starting a business. Self-assessment quizzes and an extensive glossary of business terms are also provided on the website.

Small Business Training Network
United States Small Business Administration
http://www.sba.gov/training/
The Small Business Training Network is an Internet-based environment that operates like a virtual campus. It offers online courses, workshops, publications, information resources, learning tools, direct access to electronic counseling, and other forms of technical assistance. The Network offers courses in such areas as E-Commerce, Risk Management, Government Contracting, Marketing and Advertising, Financing, Business Management, Employee Management, International Trade, Franchising, and Starting a Business. As well as providing links to other small business resources, the Network provides information about national training events, programs, and other training opportunities offered by the SBA Administration.

Young Biz
Young Biz, Inc.
P.O. Box 7987
Atlanta, GA 30357 888-543-7929
http://www.youngbiz.com
The mission of Young Biz is to provide youth with skills in entrepreneurship, business, and finance through innovative experience in both education and the real world. Young Biz Media produces an entrepreneurship-only magazine and develops content and design online for organizations that are interested in the entrepreneurship and financial literacy education of youth. Young Biz Youth Programs include instructor-led classes both in school and after school as well as camps, special events, conferences, and rallies, offering methods that are both exciting and engaging to gain experience in the real world and to develop basic business skills. The Young Biz catalogue is a source of business education and resourced for financial literacy. Young Biz Professional Development Workshops provide training for educators to teach entrepreneurship, business, and financial literacy in classrooms, camps, and after-school programs to youth.

Technical Assistance Programs - State Programs

Contact the National Programs, your state Department of Economic Development, your local Chamber of Commerce or your Small Business Development Center to see what programs may be offered in your area.

Microloans

The U.S. Small Business Administration's (SBA) Microloan Program was developed for those times when just a small loan can make the real difference between success and failure. Under this program, loans range from less than $100 to a maximum of $35,000.

SBA has made these funds available to nonprofit organizations for the purpose of lending to small businesses. These organizations can also provide intense management and technical assistance. A microloan must be repaid on the shortest term possible — no longer than six years, depending on the earnings of the business. The interest rates on these loans will be competitive and based on the cost of money to the intermediary lender.

This program is currently available in 44 states. To learn which nonprofit organizations in your area offer this program, contact U.S. Small Business Administration, 409 3rd St., SW, Suite 8300, Washington, DC 20416; 800-8-ASK-SBA; 202-205-6490; {www.sba.gov}.

What can you accomplish with a small loan? Just as every journey begins with the first step, most businesses begin with an initial influx of cash. Without the funds to cover start-up expenses, it’s tough for a business to open its doors. Microloans are designed to help people launch a business and get beyond the start-up stage, or to get past a bumpy road along the way. The following stories are examples of people who used microloans for just that – to get the ball rolling, or to keep it moving when the business got a little stuck.

And - while money is critical, it isn’t worth much without the know-how to put behind it. Many of the organizations listed here provide technical training – as well as a loan - to give business owners the tools they need for success. These stories include people who worked with teachers, experts and support groups to help make their dreams come true.

A Jump Start for the Business

Alternate Care Services provides an important function. If someone who is elderly or has limited mobility needs assistance with shopping, light housekeeping or transportation to the doctor or any appointment, they can call the company and hire someone to help them out. When she opened the business, according to owner Barbara Hammack, demand grew faster than she expected. She wanted to keep up with sales, but did not have the cash flow to hire the help she needed to respond to her customers.

Hammack turned to the Center for Community Development in Portsmouth, VA, and secured a microloan. “This was a real ‘jump start’ for my business,” she says. “I moved from a small bedroom in my son’s house to a small suite for office space, and hired more caregivers. This money gave us something to work with and helped us to look towards the future.”

Calm the Fears of Opening a Business

Dena Baldwin owns a “dollar store” in International Falls, Wisconsin. She knew she wanted to operate her own business, but was worried about the risk involved. The Northeast Entrepreneur Fund in Superior, WI offered a CORE FOUR® Business Planning Course, so she attended to upgrade her skills. She also found the confidence she needed in order to overcome her fears.

“It's important to talk about the risk one takes in starting a business and CORE FOUR® really covered that topic well."

Baldwin launched the business with a celebration. The night before the doors opened, everyone who had a hand in helping her was invited to a first look at the store, and received a hearty thanks from Baldwin and employees.

Expanding a Business with a Microloan

As long as people drive cars, there will be business for tow trucks. But what if roadside recovery does not allow for the kind of growth a business owner is working towards?

Scott and Mary Hess, owners of R.H. Towing in Fairfax, Ohio, were ready to bring their company to the next level. They applied for a microloan to expand their services, and purchased a U-Haul dealership, which works along side the towing service. Now, their customer base has expanded to include a large variety of accounts. Their success earned them the 2002 Microenterprise of the Year Award.

Dancing her Way to Success
As a girl, Rhonda Auten excelled in gymnastics and dance. As an adult, these interests became her ticket to success. When her marriage ended and she faced the reality of supporting her young son, she decided to open a dance studio – but knew that it took more than tap shoes to turn a profit. She completed a business plan with the help of the Institute of Social and Economic Development in Coralville, Iowa, and soon opened Showtime Dance Studio. Five years later, Auten traveled to Washington, DC to accept a Presidential Award for Excellence in Microenterprise Development.

Build a Better Mousetrap

Imagine that you have invented something that all of your friends want to use, and you know it would fly off the shelves – but you do not have the money to produce your product.

This is what happened to Victor Valdez of Nogales, Arizona. In the middle of an afternoon of raking leaves, he came up with a product that his family and neighbors considered a great idea: a frame for leaf bags, to get leaves into the bag without having to hold it open. The invention allowed him to hold the bag with one hand and rake leaves with the other.

When family and friends saw Valdez effortlessly gathering leaves while they struggled, they'd plead with him to make them one of his frames. Eventually, he got a patent for his idea, and was ready to start a business – but he needed help to make the leap into mass production.

Vadez approached PPEP Microbusiness and Housing Development Corp., a Tucson-based nonprofit organization that administers loans for microenterprises. It granted him a $3,000 low interest loan that he used to make plastic prototypes of his frames. Two years later, he had 40,000 injection-molded units ready to ship.

Valdez credits the microloan with making the difference between a good idea to share with neighbors and a successful production business. Now he is “raking in” the profits!

The Art of Turning a Profit

Laura Matson wanted to stay home and help to care for her brother, whose health was in decline. When she was laid off in October 2001, Laura thought about going back to work and putting her brother in a long-term healthcare facility. But Matson is an artist, so she decided to combine her skill for creating hand-pleated silk scarves with her desire for a flexible, home-based schedule.

Matson began selling her handcrafted scarves at the Pike Place Market in Seattle. The scarves were beautiful, and she did have active sales – but after a year, Matson realized that she hadn't turned a profit.

“I'd put tons of thought into the product,” she explained, “but nothing into marketing or bookkeeping - and I hadn't made any money."

Matson signed up for a business course at Washington Cash. After just a few weeks of attending the classes, she understood why she had not turned a profit, and learned what she needed to do to make the business viable. She shifted her focus from creating scarves to planning, marketing, and bookkeeping. She then secured a wholesale account, which took some of the risk out of sales, and increased her marketing efforts by displaying the scarves at high-end art shows throughout the year. By taking the course, these and other ideas put Matson on the track to profitability – and she still has the flexibility she wants.

Keeping the Business Afloat

It was not too long ago that Cheryl Lynn Fields picked up jobs as a painting subcontractor. Now, she runs a full service construction firm. She credits her success in part to the assistance she received from Micro-Business USA in Miami, Florida – and to making the right phone call.
 
A friend told Fields about the loans and training available through Micro-Business. When she called for information, she learned about a meeting that was scheduled for that night, and decided to attend.

Within a few months, she received a loan for $500.00 for a fax machine. With a second loan of $1,500, she purchased tools so she no longer had to bear the cost of renting. She then took out a third microloan to get her through a cash flow crunch when a client was delinquent on a payment.

The lender has also provided support along the way, Fields says. “All of the staff members have always been very helpful and encouraging. They keep small business owners afloat.”

Technical Assistance Teaches MBA Grad to Succeed

Prism Imaging Inc.'s founders were initially among the masses of small business owners struggling to get their ideas off the ground. Now, they are flying high.

The company began in 1993, when a trio of University of Texas grads wanted to break into the business of converting paper files into archives on CD-ROMs. In its first year in business, Prism generated $17,000 in revenue. Six years later, revenue surpassed $1.27 million. Prism now employs more than 60 people and is opening a second location in Chicago. How did the company make the leap? The secret to success was technical assistance.

After the first year, CEO George Francis, who had earned a Masters in Business Administration (MBA), knew he needed to learn more. He contacted Austin’s Business Invest In Growth, or BIG, for help.

BIG suggested their 12-week training course, and provided a loan that enabled him to purchase necessary office equipment. Francis says that the most important thing he gained from the BIG training course was how to apply the business theory he had learned in MBA courses.

Every Business Needs the Basics

How much training do you need just to sell a cup of coffee from a tiny booth?

There are certain things you need to know to run a profitable business, no matter what your product. Just ask Antoinette Gonzales, owner of the successful Zoombaz Double Drive-Thru Espresso Bars in Austin, Texas. She credits the growth in her bottom line to training she received at BIG, where she learned how to write a marketing plan; design cash flow, income, and balance statements; and perform industry analyses.

After taking the course, she knew the nuts and bolts of managing a business. For example, she says, “I was able to figure out my break-even point ­ the amount of sales needed on a daily basis to pay back the loan, rent, supplies, and other costs associated with running a business."

Don’t forget the milk and sugar!

Participating Intermediary Lenders and Non-Lending Technical Assistance Providers - A-O

Intermediary Lenders

Alabama
Community Equity Investments, Inc.
302 N. Barcelona St.
Pensacola, FL 32501
850-595-6234
888-605-2505
Fax: 850-595-6264
Email: bigdanfla@aol.com
www.ceii.pensacola.com
Executive Director: Dan Horvath
Microloan Contact: Elbert Jones
Service Area: Baldwin, Mobile, Washington, Clarke, Monroe, Escambia, Conecuh, Covington, Geneva, Coffee, Dale, Henry, and Houston counties

Birmingham Business Resource Center
110 12th Street North
Birmingham, AL 35203
205-250-6380
Fax: 205-250-6384
Email: BBRC@Inlinenet.net
www.bbrc.biz/
Executive Director: Robert Dickinson, Jr.
Microloan Contact: Rodney E. Evans
Service Area: Jefferson County

Southeast Community Capital
1020 Commerce Park Drive
Oak Ridge, TN 37830
865-220-2020
Fax: 865-220-2030
Email: hortonw@tech2020.org
http://www.tech2020.org
Executive Director: Don Welty
Microloan Contact: David Bradshaw
Service Area: Bibb, Blount, Calhoun, Chambers, Chilton, Colbert, Coosa, Cullman, De Kalb, Elmore, Etowah, Fayette, Franklin, Hale, Jackson, Lauderdale, Lawrence, Limestone, Macon, Madison, Marion, Marshall, Morgan, Pickens, Randolph, St. Clair, Shelby, Talladega, Tallapoosa, Tuscaloosa, Walker, and Winston

Alaska
Alaska Village Initiatives
1577 C St., Suite 104
Anchorage, AK 99501
907-274-5400
Fax: 907-263-9971
Email: avi@ruralak.org
www.akvillage.com/index.html
Executive Director: Tom Harris
Microloan Contact: Tom Harris
Service Area: State of Alaska.
 
Arizona
Prestamos CDFI, LLC
1112 E. Buckeye Rd.
Phoenix, AZ 85034-4043
602-252-0483
Fax: 602-252-0484
Executive Director: Pete Garcia
Microloan Contact: Joe Martinez
www.cplc.org
Service Area: Urban Maricopa and Pima counties, Graham and Gila counties (including Point of Pines Reservation and the Southwestern area of Fort Apache Reservation), Coconino and Mohave counties (including the Kaibab, Havasupai, and Hualapai Reservations and western portions of the Navajo and Hopi Reservations), Yavapai and LaPaz counties

PPEP Housing Development Co.
Micro Ind. Credit Rural Org.
802 E. 46th St.
Tucson, AZ 85713
520-806-9513
Fax: 520-806-9515
Email: gballesteros@ppepruralinst.org
www.ppep.org
Exec. Director: Frank Ballesteros
Microloan Contact: Frank Ballesteros
Service Area: Cochise, Santa Cruz, Pinal, Yuma, rural Pima, and rural Maricopa counties including the Fort McDowell, Gila River, Maricopa, Papago, Salt River, and San Xavier Indian Reservations.

Self-Employment Loan Fund, Inc.
1601 North 7th St., Suite 340
Phoenix, AZ 85006
602-340-8834
Fax: 602-340-8953
Email: self@uswest.net
www.selfloanfund.org
Executive Director: Caroline Newsom
Microloan Contact: Caroline Newsom
Service Area: Maricopa County

Arizona Council for Economic Conversion
10 East Broadway, Suite 210
P.O. Box 42108
Tucson, AZ 85701
520-620-1241
Email: bmurphy@acec-az.org
Pimawbe.vstone.com/
Executive Director: Rosalyn Boxer
Microloan Contact: Bart T. Murphy
Service Area: Tucson, and Pima Counties
 
Arkansas
White River Planning and Development District, Inc.
1652 White Drive
P.O. Box 2396
Batesville, AR 72501
870-793-5233
Fax: 870-793-4035
Email: billray@wrpdd.org
www.arkplan.org/WRPDD.html
Executive Director: Van C. Thomas
Microloan Contact: Bill Ray
Service Area: Cleburne, Fulton, Independence, Izard, Jackson, Sharp, Stone, Van Buren, White, and Woodruff counties

Southern Financial Partners
605 Main Street
Pine Bluff, AR 71923
870-246-9739
Fax: 870-246-2182
Email: slinn@ehbt.com
www.southernfinancialpartners.org
Executive Director: Penny Penrose
Microloan Contact: William Matthews or Sandy Linn
Service Area: Southern and extreme northeast areas of the State including Arkansas, Ashley, Bradley, Calhoun, Chicot, Clark, Clay, Cleveland, Columbia, Craighead, Dallas, Desha, Drew, Garland, Grant, Greene, Hempstead, Hot Spring, Howard, Jefferson Lafayette, Lawrence, Lincoln, Little River, Lonoke, Miller, Mississippi, Montgomery, Nevada, Ouachita, Phillips, Pike, Poinsett, Polk, Prairie, Pulaski, Randolph, Saline, Sevier, and Union Counties

Forge-Financing Ozarks Rural Growth and Economy
208 East Main P.O. Box 1138
Huntsville, AR 72740
501-738-1585
Fax: 501-738-6288
Email: forgein@madisoncounty.net
Executive Director: Alva C. West
Microloan Contact: Charlie Stockton
Service Area: Crawford, Baxter, Yell, Perry, Conway, Boone, Madison, Marion, Carroll, Franklin, Pope, Benton, Washington, Searcy, and Newton

California
Arcata Economic Development Corporation
100 Ericson Court, Suite 100
Arcata, CA 95521
707-822-4616
Fax: 707-822-8982
Email: arianek@reninet.com
www.aedc1.org
Executive Director: Jim Kimbrell
Microloan Contact: Arianne Knoeller or Kelly Denny
Service Area: Del Norte, Humboldt, Lake, Mendocino, Siskiyou, and Trinity counties

California Coastal Rural Development Corporation
221 Main St., Suite 300
P.O. Box 479
Salinas, CA 93906
831-424-1099
Fax: 831-424-1094
Email: rey_hidalgo@calcoastal.org
www.calcoastal.org/
Executive Director: Herb Aarons
Microloan Contact: Ray Hidalgo
Service Area: Santa Cruz, Monterey, San Benito, San Luis Obispo, Santa Barbara, and Ventura
 
Southeast Asian Community Center
875 O'Farrell St.
San Francisco, CA 94109
415-885-2743
Fax: 415-885-3253
Email: seaccphilip@juno.com
Executive Director: Philip Tuong Duy Nguyen
Microloan Contact: Victor Hsi
Service Area: Alameda, Contra Costa, Marin, Merced, Sacramento, San Francisco, San Joaquin, San Mateo, Santa Clara, and Stanislaus counties

Valley Small Business Development Corporation
3417 W. Shaw, Suite 100
Fresno, CA 93711
559-438-9680
Fax: 559-438-9690
Email: valleysb@psnw.com
www.vsbdc.com/
Executive Director: Michael E. Foley
Microloan Contact: Lee Takikawa
Service Area: Fresno, Kings, Kern, Stanislaus, Madera, Mariposa, Merced, Tuolumne, and Tulare counties

CDC Small Business Finance Corp.
925 Ft. Stockton Dr.
San Diego, CA 92110
619-291-3594
Fax: 619-291-6954
Email: arobinson@cdcloans.com
www.cdcloans.com/
President: Kurt Chilcott
Microloan Contact: Alex Robinson
Service Area: San Diego

Oakland Business Development Corporation
519 17th Street Suite 100
Oakland, CA 94612
510-763-4297
Fax: 510-763-1273
Email: mike@obdc.com robert@obdc.com
www.obdc.com/
Executive Director: Micheal McPherson
Microloan Contact: Robert Gebauer
Service Area: Alameda and Contra Costa counties

PCR Small Business Development
3255 Wilshire Blvd.
Los Angeles, CA 90010
213-739-2999, ext. 222
Fax: 213-739-0639
Email: mark.robertson@pcrcorp.org
www.pcrcorp.org/
President: R. D. Lottie, Jr.,
Microloan Contact: Mark Robertson, Jr.
Service Area: South Los Angeles County

Sierra Economic Development District
560 Wall Street Suite F
Aurburn, CA 95603
530-823-4703
Fax: 530-823-4142
Email: betty@sedd.org dille@sedd.org
www.sedd.org/
Executive Director: Betty Riley
Microloan Contact: Tom Dille
Service Area: Modoc, El Dorado, Lassen, Nevada, Plumas, Sierra, and Placer counties

Valley Economic Development Corp.
5121 Van Nuys Blvd. 3rd Floor
Van Nuys, CA 91403
818-907-9977
Fax: 818-907-9720
Email: roberto@vedc.org
www.vedc.org
Executive Director: Roberto Barragan
Microloan Contact: Rebecca Haas
Service Area: Los Angeles and Orange County

Colorado
Colorado Enterprise Fund
1888 Sherman St. Suite 530
P.O. Box 2135
Denver, CO 80203
303-860-0242
Fax: 303-860-0409
Email: microloans@coloradoenterprisefund.org
www.coloradoenterprisefund.org
Executive Director: Cecilia H. Prinster
Microloan Contact: Angela Valdez
Service Area: City of Denver, and Adams, Arapahoe, Boulder, Denver, and Jefferson counties

Region 10 LEAP for Economic Development
P.O. Box 849
300 N. Cascade St., Suite 1
Montrose, CO 81401
970-249-2436
Fax: 970-249-2488
Email: region10@rmii.com
www.region10.net
Executive Director: Leslie Jones
Microloan Contact: Bob Bolt
Service Area: West Central area including Delta, Gunnison, Hinsdale, Montrose, Ouray, and San Miguel counties

Connecticut
Community Economic Development Fund
50-G Weston Street
Hartford, CT 06120
860-249-3800
Fax: 860-249-2500
Email: donnwertenbach@cedf.org
www.cedf.com/
Executive Director: Donna Wertenbach
Microloan Contact: Thomas Holloway
Service Area: Statewide

Connecticut Community Investment Corp.
100 Crown St.
New Haven, CT 06510
203-776-6172
Fax: 203-776-6837
Email: mcousineau@ctcic.org
Email: bmcmanus@ctcic.org
www.ctcic.org
Executive Director: Salvatore J. Brancati, Jr.
Microloan Contact: Mark Cousineau
Service Area: Statewide

Delaware
Wilmington Economic Development Corporation
100 W. 10th St., Suite 706
Wilmington, DE 19801
302-571-9088
Fax: 302-652-5679
Email: wedco@wedcode.org
www.wedco.org/
Executive Director: Constance McCarthy
Microloan Contact: Constance McCarthy
Service Area: New Castle county, in the cities of Wilmington, Newark, New Castle, Middletown, Odessa, and Townsend

District of Columbia
ARCH Development Corporation
1227 Good Hope Rd., SE
Washington, DC 20020
202-889-5023
Fax: 202-889-5035
Executive Director: Duane Gautier
Microloan Contact: Teina Linthicum
Service Area: Portions of the District of Columbia commonly referred to as Adams Morgan, Mount Pleasant, and Anacostia, Congress Heights, Columbia Heights, and 14th Street Corridor

H Street Development Corp.
501 H Street, NE
Washington, DC 20002
202-544-8353
Fax: 202-544-3051
Email: yulonda.queen@hstreetcdc.org
www.cdsc.org/404.html
Executive Director: William Barrow
Microloan Contact: Yulonda Queen
Service Area: West-the Anacostia River; East-7th Street, NW; North-Benning Road to K Street; and South-the Southeast/ Southwest Freeway: Servicing Capitol Hill, H Street, NE, Lincoln Park, Mt. Vernon Square, Judiciary Square, Benning Road-West of the Anacostia River, Union Station, Stadium Armory, and Lower North Capitol. Eastern border of North Capitol to Rhode Island to 7th Street NW; West-Anacostia River; North-Eastern Avenue to North Capitol; and Southeast/Southwest Freeway: Servicing Eckington, Catholic University, Michigan Park, Edgewood, Brookland, Ft. Lincoln, New York Avenue, Florida Avenue, Brentwood-DC, Woodridge, Trinidad, and NE Rhode Island Avenue, Silver Springs, Takoma Park, Hyattsville, Riverdale, Bladensburg, Seat Pleasant, Capitol Heights, District Heights, Cheverly, Landover, Suitland, Hillcrest Heights, Marlow Heights, Oxon Hill, Mt. Ranier, and Coral Hills.

East of the River Community Development Corporation
3101 Martin Luther King, Jr. Ave., SE
Washington, DC 20032
202-561-4974
Fax: 202-561-4978
Email: gilliam@ercdc.org
www.ercdc.org/
Exec. Director: W. Retta Gilliam
Microloan Contact: W. Retta Gilliam
Service Area: Portion of southeast Washington DC commonly known as Ward 8. Westernmost boundary of the Anacostia River; Oxon Creek, Oxon Run Drive to Southern Avenue, SE; Northeast to Naylor Road, SE; Southwest of Altamont Place, SE; Pearson Street, SE to Erie Street, SE; West of Erie to Morris Street, SE; North of Chicago Street, SE to Interstate 295; North of Interstate 295 to the 11th Street bridge southeast to the Anacostia River

Florida
Community Equity Investments, Inc.
302 North Barcelona St.
Pensacola, FL 32501
850-595-6234
Fax: 850-595-6264
Email: bigdanfla@aol.com
www.ceii.pensacola.com/
Executive Director: Dan Horvath
Microloan Contact: Elbert Jones
Service Area: Florida Panhandle including Bay, Calhoun, Escambia, Gadsden, Gulf, Jackson, Holmes, Liberty, Leon, Franklin, Wakulla, Walton, Wasington, Okaloosa, and Santa Rosa counties

United Gainesville Community Dev. Corp., Inc.
505 NW 2nd Avenue
P.O. Box 2518
Gainesville, FL 32602
352-334-0943
Fax: 352-334-0947
Email: vian@ugcdc.org
Email: lyndah@ugcdc.org
Executive Director: Appie L. Graham
Microloan Contact: Appie L. Graham
Service Area: Alachua and Marion counties

Central Florida Community Development Corporation
P.O. Box 15065
Daytona Beach, FL 32115
368-258-7520
Fax: 368-238-3428
Email: geraldc@n-jcenter.com
www.cfcdc.com/
Executive Director:
Microloan Contact: Gerald O. Chester
Service Area: Brevard county

Clearwater Neighborhood Housing Services, Inc.
608 North Garden Avenue
Clearwater, FL 33755
727-442-4155
Fax: 727-446-4911
Executive Director: Isay M. Gulley
Microloan Contact: John J. Moloney
Service Area: City of Clearwater and Pinellas County

Minority/Women Business Enterprise Alliance, Inc.
625 E. Colonial Drive
Orlando, FL 32803
407-428-5860
Fax: 407-428-5869
www.allianceflorida.com/
Executive Director: Geovanny Sepulveda
Microloan Contact: Geovanny Sepulveda
Service Area: Orange, Osceola, Lake, Seminole, Polk, Hillsborough, Sumter, Brevard, Volusia, and Marion counties

Partners for Self-Employment, Inc./ d.b.a./Micro-Business, USA
3000 Biscayne Boulevard Suite 102
Miami, FL 33137
877-722-4505
Fax: 305-438-1411
www.microbusinessusa.org/
Executive Director: Diane Silverman
Microloan Contact: Diane Silverman
Service Area: Miami-Dade, Broward, Palm Beach and Pinellas counties

Tampa Bay Economic Development Corporation
2105 N. Nebraska Avenue 2nd Floor
Tampa, FL 33602
813-274-7969
Fax: 813-274-7551
www.tampagov.net/dept_TEDCO/
Executive Director:
Microloan Contact: George Guida
Service Area: Hillsborough county

The Business Loan Fund of the Palm Beaches, Inc.
1016 North Dixie Highway, 2nd Floor
West Palm Beach, FL 33401
561-838-9027
Fax: 561-838-9029
Email: blfpb@evcom.net
www.businessloanfund.org/index.html
Executive Director: John B. Brown
Microloan Contact: John B. Brown
Service Area: Palm Beach County, Hendry, Indian River, Martin, Palm Beach County Development Regions and St. Lucie

Georgia
Enterprise Funding Corp/GRASP Enterprises
241 Peachtree Street, Suite 200
Atlanta, GA 30303
404-659-5955
Fax: 404-880-9561
Email: tscott@graspnet.org
www.grasp.net
Executive Director: Maurice Coakley
Microloan Contact: Tim Scott
Service Area: Fulton, Dekalb, Cobb, Gwinnett, Fayette, Clayton, Henry, Douglas, and Rockdale counties

Small Business Assistance Corporation
111 E. Liberty St., Suite 100
P.O. Box 10750
Savannah, GA 31412-0716
912-232-4700
Fax: 912-232-0385
Email: toreilly@sbacsav.com
www.sbacsav.com/
Executive Director: Tony O’Reilly
Microloan Contact: Tony O’Reilly/Stephen George
Service Area: Appling, Atkinson, Brooks, Bacon, Berrien, Ben Hill, Bryan, Bulloch, Bleekly, Brantley, Coffee, Charlton, Camden, Clinch, Candler, Cook, Chatham, Dodge, Emanuel, Echols, Effingham, Evans, Glynn, Irwin, Johnson, Jeff Davis, Laurens, Liberty, Long, Lowndes, Lanier, McIntosh, Montgomery, Pierce, Tift, Turner, Telfair, Truetlen, Toombs, Tattnall, Ware, Wilcox, Wayne, and Wheeler counties

Southeast Community Capital
1020 Commerce Park Drive
Oak Ridge, TN 37830
865-220-2020
Fax: 865-220-2030
Email: hortonw@tech2020.org
Executive Director: Don Welty
Microloan Contact: David Bradshaw
Service Area: Barrow, Bartow, Carroll, Cherokee, Dade, Elbert, Fannin, Floyd, Franklin, Gordon, Gwinnett, Hall, Hart, Heard, Paulding, Pickens, Polk, Stephens, Union, Walker, and Whitfield

Hawaii
Pacific Gateway Center
720 N. King St.
Honolulu, HI 96817
808-845-3918
Fax: 808-842-1962
Email: pgcmyaing@hotmail.com
www.pacificgateway.org
Exec. Dir.: Tin Myaing Thein
Microloan Contact:
Service Area: Statewide

Idaho
Sage Community Resources
10624 W. Executive Dr.
Boise, ID 83713
208-322-7033
Fax: 208-322-3569
Email: pmchoate@ida-ore.com
www.sageidaho.com/
Executive Director: Robert Barber
Microloan Contact: Bob Richards
Service Area: Payette, Washington, Adams, Valley, Gem, Boise, Elmore, Ada, Canyon and Owhyee counties

Panhandle Area Council
11100 Airport Dr.
Hayden, ID 83835-9743
208-772-0584
Fax: 208-772-6196
Email: pacbus@nidlink.com or ksmith@pacni.org
www.pacni.org/
Exec. Dir.: James Deffenbaugh
Microloan Contact: kay Kitchel
Service Area: Northern Panhandle including Benewah, Bonner, Boundary, Kotenai, and Shoshone counties

Illinois
Accion Chicago, Inc.
3245 W. 26th
Chicago, IL 60623
773-376-9004
Fax: 773-376-9048
Email: lpacheco@accionchicago.org
www.accionchicago.org/
President: F. Leroy Pacheco
Microloan Contact: Jonathan Brereton
Service Area: Cook County (including parts of Chicago), Lake, McHenry, Dekalb, Kane, Dupage, Kendall, Grundy, Kankanee, Will, and Lasalle counties

Justine Petersen Housing & Reinvestment Corporation
5031 Northrup Avenue
St. Louis, MO 63110
314-664-5051 ext. 117
Fax: 314-644-5364
Email: sflanigan@justinepetersen.org
http://justinepetersen.org/
Executive Director: Robert Boyle
Microloan Contact: Sheri Fannigan-Vasquez
Service Area: Clinton, Jersey, Madison, and St. Clair counties

Neighborhood Inst./Women's Self Employment Project
11 South LaSalle Street, Suite 1850
Chicago, IL 60603
312-606-8255
Fax: 312-606-9215
Email: wsepaa@wsep.com
www.wsep.net
Executive Director: Wanda White
Microloan Contact: Wanda White
Service Area: Portions of the City of Chicago

Indiana
Seed-Corp
216 W. Allen Street
Bloomington, IN 47403
812-323-7827
Fax: 812-335-7352
Email: tbrown@thestarcenter.com
www.seed-corp.org
Executive Director: Terri Brown
Microloan Contact: Charlotte Zietlow, Beth Kuebler
Service Area: Morgan, Owen, Greene, Lawrence, Monroe, Brown, and Jackson Bartholomew, Decatur, Jennings counties

Iowa
Siouxland Economic Development Corporation
428 Insurance Center
507 7th St.
P.O. Box 447
Sioux City, IA 51102
712-279-6286
Fax: 712-279-6920
Email: glenda@simpco.org
www.siouxlandedc.com
Executive Director: Ken Beekley
Microloan Contact:
Service Area: Cherokee, Ida Monona, Plymouth, Sioux, and Woodbury counties

Kansas
South Central Kansas Economic Development District, Inc.
209 East William Street, Suite 300
Wichita, KS 67214
316-262-7035
Fax: 316-262-7062
www.sckedd.org/
Exec. Dir.: William Bolin
Microloan Contact: Christie Henry
Service Area: Butler, Chautauqua, Cowley, Elk, Greenwood, Harper, Harvey, Kingman, Marion, McPherson, Reno, Rice, Sedgwick, and Sumner counties

Growth Opportunity Connection (Go Connection)
4747 Troost Ave.
Kansas City, MO 64110
816-235-6146
Fax: 816-756-1530
Email: info@goconnection.org
www.goconnection.org
Executive Director: Alan Corbet
Microloan Contact: Rebecca Gubbels
Service Area: Wyandotte, Johnson, Douglas, and Leavenworth counties

Kentucky
Community Ventures Corporation
1450 N. Broadway
Lexington, KY 40505
816-231-0054
Fax: 816-231-0261
Email: cvccorp@prodigy.net
www.cvcky.org/
Executive Director: Kevin Smith
Microloan Contact: Tyrone Tyra/David Collins
Service Area: Anderson, Bourbon, Boyle, Clark, Estill, Fayette, Franklin, Garrard, Harrison, Jessamine, Lincoln, Madison, Mercer, Nicholas, Powell, Scott, and Woodford counties

Kentucky Highlands Investment Corporation
362 Whitley Rd.
P.O. Box 1738
London, KY 40743-1738
606-864-5175
Fax: 606-864-5194
Email: cbowles@khic.org
www.khic.org/default.htm
Executive Director: Jerry Rickett
Microloan Contact: Edgar Davis/Cindy Bowles
Service Area: Bell, Clay, Clinton, Harlan, Jackson, McCreary, Rockcastle, Wayne, and Whitley counties

Louisville Central Development Corporation/Business Plus
1407 W. Jefferson St., Suite 200
Louisville, KY 40203
502-583-8821
Fax: 502-583-8824
Email: swatkins@louisvillecentralcenters.org
www.lcccnews.org
Executive Director: Sam Watkins Jr.
Microloan Contact: Kirk Bright
Service Area: Jefferson County/Primary focus Enterprise Empowerment Zone

Purchase Area Development District
1002 Medical Drive
P.O. Box 588
Mayfield, KY 42066
502-247-7171
Fax: 502-251-6110
Email: henry.hodges@mail.state.ky.uw
www.purchaseadd.org/
Executive Director: Henry Hodges
Microloan Contact: Norma Reed-Drouin
Service Area: Ballard, Calloway, Carlisle, Fulton, Graves, Hickman, McCracken and Marshall counties

Louisiana
NewCorp Business Assistance Center
1600 Canal Street, Suite 601
New Orleans, LA 70112
504-539-9340
Fax: 504-539-9343
Email: newcorpinfo@newcorpbac.net
www.newcorpbac.net
Executive Director: Vaughn R. Fauria
Microloan Contact: Romona D. Summers
Service Area: State of Louisiana

Maine
Coastal Enterprises, Inc.
P.O. Box 268
36 Water Street
Wiscasset, ME 04578
207-882-7552
Fax: 207-882-7308
Email: efg@cei.maine.org or jgs@cei.maine.org
www.ceimaine.org/
Executive Director: Ronald Phillips
Microloan Contact: Ellen Golden
Service Area: Statewide excluding Aroostock, Piscataquis, Washington, Oxford, Penobscot and Hancock counties

Northern Maine Development Commission
302 S. Main St.
P.O. Box 779
Caribou, ME 04736
207-498-8736
Fax: 207-493-3108
Email: rclark@nmdc.org
www.nmdc.org/indexv1.cfm
Executive Director: Robert Clark
Microloan Contact: Duane Walton
Service Area: Aroostook
In consortium with
Eastern Maine Development Corporation
One Cumberland Pl., Suite 300
Bangor, ME 04401
207-942-6389
Fax: 207-942-3548
Email: dmetzler@emdc.org
Executive Director: David Cole
Microloan Contact: Debbie Metzler
Service Area: Hancock, Penobscot, Piscataquis, and Washington counties

Community Concepts, Inc.
19 Market Sq.
P.O. Box 278
South Paris, ME 04281
207-743-7716
Fax: 207-743-6513
Email: wriseman@community-concepts.org
www.community-concepts.org/
Executive Director: Charleen Chase
Microloan Contact: Walter Riseman
Service Area: Oxford county

Androscoggin Valley Council of Government
125 Manley Road
Auburn, ME 04210
207-783-9186
Fax: 207-783-5211
Email: gwhitney@avcog.org
www.avcog.org/
Executive Director: Robert J. Thompson
Microloan Contact: Julie Sherman
Service Area: Androscoggin, Franklin and Oxford counties

Maryland
The Development Credit Fund
2526 N. Charles St. Suite 200
Baltimore, MD 21218
410-235-8100
Fax: 410-235-5899
Email: ejohnson@developmentcredit.net
www.developmentcredit.com/
Executive Director: Acknell M. Muldrow, II
Microloan Contact: Erik Johnson
Service Area: Statewide Maryland excluding Montgomery and Prince Georges counties

H Street Community Development Corporation
501 H Street, NE
Washington, DC 20002
202-544-8353
Fax: 202-544-3051
Email: oomhscdc@aol.com
www.hstreetcdc.org/
Exec. Director: William Barrow
Microloan Contact: Yulonda Queen
Service Area: Montgomery and Prince George’s counties

Massachusetts
Economic Development Industrial Corp. of Lynn
37 Central Square, 3rd Floor
Lynn, MA 01901
617-581-9399
Fax: 617-581-9731
Email: pdeveau@shore.net
Exec. Director: Peter M. DeVeau
Microloan Contact: Peter M. DeVeau/Mary Smalley
Service Area: City of Lynn

Jewish Vocational Service, Inc.
105 Chauncy St., 6th Floor
Boston, MA 02111
617-451-8147
Fax: 617-451-9973
Email: ekorsh@jvs-boston.org
www.jvs-bosten.org/
Exec. Dir.: Barbara Rosenbaum
Microloan Contact: Erik Korsh
Service Area: Greater Boston with special emphasis on businesses in the Boston Enterprise Zone/Boston Empowerment Zone, and businesses in Mattapan, Dorchester, Roxbury, Hyde Park, and Jamaica Plain

Jobs for Fall River, Inc.
One Government Center
Fall River, MA 02722
508-324-2620
Fax: 508-677-2840
Email: kenfiolajn@aol.com
Executive Director: Kenneth Fiola
Microloan Contact: Stephen Parr
Service Area: City of Fall River

Greater Springfield Entrepreneurial Fund
1176 Main St.
Springfield, MA 01103
413-781-6900
Fax: 413-736-0650
Email: hcetc@javanet.com
Executive Director: Jim Krzytofik
Microloan Contact: James Asselin
Service Area: Hampden County excluding the towns of Chester and Chicopes.

Western Massachusetts Enterprise Fund
P.O. Box 1077
Greenfield, MA 01302
413-774-4033
Fax: 413-773-3673
Email: info@wmef.org
www.wmef.org/
Exec. Director: Christopher Sikes
Microloan Contact: Moon Morgan
Service Area: Berkshire, Franklin counties, the towns of Chester and Chicopes within Hampden county, the towns of Athol, Petersham, Phillipston and Royalston within Worcester county, and Hampshire county.

Community Development Transportation Lending Services
1341 G Street, NW, Suite 600
Washington, DC 20005
202-661-0210
Fax: 202-737-9197
Email: Kellogg@ctaa.org
www.ctaa.org/transitfunding/
Executive Director: Dale J. Marsico
Microloan Contact: Patrick Kellogg
Service Area: North Central Massachusetts - county subdivisions of Athol, Winchendon, Gardner, Templeton, Phillipston, Orange, Erving, Wendell, Montague, Gill, and Greenfield counties

South Eastern Economic Development Corp/SEED
80 Dean Street
Taunton, MA 02780
508-822-1020
Fax: 508-880-7869
Email: SEEDCORP@aol.com
www.seedcorp.com/
Executive Director: Maria Gooch-Smith
Microloan Contact: Janice Johnson Plumer
Service Area: SE Massachusetts – Norfolk, Bristol, Plymouth,Barnstable, Dukes, and Nantucket counties

Michigan
Center for Empowerment and Economic Development (CEED)
2002 Hogback Rd., Suite 12
Ann Arbor, MI 48105
734-677-1400
Fax: 734-677-1465
Email: mrichards@wwnet.net
www.miceed.org/
Exec. Director: Michelle Richards
Microloan Contact: Michelle Richards
Service Area: Washtenaw, Oakland, Wayne and Livingston counties.

Community Capital Development Corp.
The Walter Reuther Center
316 W. Water St.
Flint, MI 48503
810-239-5847
Fax: 810-239-5575
Email: ccdc@tir.com
Executive Director: Harold Hill
Microloan Contact: Jarasha Washington
Service Area: Genesee county

Northern Economic Initiatives Corp.
228 West Washington St.
Marquette, MI 49855
906-226-1662
800-254-2156
Fax: 906-228-5572
Email: todd_horton@northernminits.com
www.northerninitiatives.com
Microloan Contact: Todd Horton
Service Area: Upper Peninsula of Michigan.

Rural Michigan Intermediary Relending Program, Inc.
121 East Front Street Suite 201
Traverse City, MI 49686
231-941-5858
Fax: 231-941-4616
Email: mhaddad@timbc.com
Executive Director: Michael Haddad
Microloan Contact: Stephen Spencer
Service Area: Emmet, Charlevoix, Antrim, Leelanau, Benzie, Grand, Traverse, Kalkaska, Manistee, Wexford, Missaukee, Cheboygan, Presque Isle, Otsego, Montmorency, Alpena, Crawford, Oscoda, Alcona, Roscommon, Ogemaw, Iosco, Osceola, Mason, Lake counties

Saginaw Economic Development Corporation
301 E. Genesee, 3rd Floor
Saginaw, MI 48607
989-759-1395
Fax: 989-754-1715
Email: SEDCLW@aol.com
www.saginawfuture.com/
Executive Director: Leslie Weaver
Microloan Contact: Leslie Weaver
Service Area: Saginaw county

Minnesota
Northeast Entrepreneur Fund, Inc.
8355 Unity Drive, Suite 100
Virginia, MN 55792
218-749-4191
800-422-0374
Fax: 218-741-4249
Email: info@necfund.org
www.entrepreneurfund.org
Exec. Director: Mary Mathews
Microloan Contact: Alison Beauregard
Service Area: Koochiching, Itasca, St. Louis, Aitkin, Carlton, Cook Cass, Pine and Lake counties

Women Venture
2324 University Ave., Suite 200
St. Paul, MN 55112
651-646-3808
Fax: 651-291-2597
Email: sbaker@womenventure.org
www.womenventure.org
Exec. Director: Tene Heidelberg
Microloan Contact: Jan Jordet
Service Area: Cities of Minneapolis and St. Paul, and Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Ramsey, Scott, Steele, Washington, and Wright counties

Minneapolis Consortium of Community Developers
2308 Central Ave. NE
Minneapolis, MN 55418
612-789-7337
Fax: 612-789-8448
Email: jroth@cando.org
www.mccdmn.org/
Executive Director: Jim Roth
Microloan Contact: Jim Roth
Service Area: Portions of the City of Minneapolis

Northwest Minnesota Foundation
4225 Technology Drive, NW
Bemidji, MN 56601
218-759-2057
Fax: 218-759-2328
Email: timw@nwmf.org
www.nwmf.org
Executive Director: John Ostem
Microloan Contact: Tim Wang
Service Area: Beltrami, Clearwater, Hubbard, Kittsson, Lake of the Woods, Mahnomen, Marshall, Norman, Pennington, Polk, Red Lake, and Rousseau counties

Southern Minnesota Initiative Foundation
525 Florence Avenue
P.O. Box 695
Owatonna, MN 55060
507-455-3215
Fax: 507-455-2098
Email: patricks@smifoundation.org
www.smifoundation.org/
Executive Director: Patrick T. Stallman
Microloan Contact: Patrick T. Stallman
Service Area: Sibley, Nicollett, LeSueur, Rice, Wabasha, Brown, Watonwan, Blue Earth, Waseca, Dodge, Olmsted, Winona, Martin, Faribault, Freeborn, Mower, Fillmore, and Houston

Southwest Minnesota Foundation
1390 HWY 15 South
P.O. Box 428
Hutchinson, MN 55350
320-587-4848
Fax: 320-587-3838
Email: bernyb@swmnfoundation.com
www.swmnfoundation.org/
Executive Director: Sherry Ristau
Microloan Contact: Bernadette Berger
Service Area: 18 counties of Southwest, MN (Big Stone, Chippewa, Cottonwood, Jackson, Kandiyphi, Lac qui Parle, Lincoln, Lyon, McLeod, Meeker, Murray, Nobles, Pipestone, Renville, Rock, Swift, and Yellow Medicine)

Mississippi
Delta Foundation
819 Main St.
Greenville, MS 38701
662-335-5291
Fax: 662-335-5295
Email: fdn@tecinfo.com
Executive Director: Harry Bowie
Microloan Contact: Lucille Dean
Service Area: Statewide excluding Issaquena, Sharkey, Humphreys, Madison, Leake, Kemper, Copiah, Hinds, Rankin, Newton, Smith, Jasper, Clarke, Jones, Wayne, and Greene counties

Friends of Children of Mississippi, Inc.
939 North President St.
Jackson, MS 39202
601-353-3264
Fax: 601-714-4278
Executive Director: Marvin Hogan
Microloan Contact: Brenetta Walker
Service Area: Statewide

Missouri
Growth Opportunity Connection (Go Connection)
4747 Troost Ave.
Kansas City, MO 64110
816-561-8567
Fax: 816-756-1530
Email: acorbet@kc-cbi.org
www.goconnection.org/
Executive Director: Alan Corbet
Microloan Contact: Alan Corbet
Service Area: Platte, Jackson, Clay and Cass counties.

Justine Petersen Housing & Reinvestment Corporation
5031 Northrup Avenue
St. Louis, MO 63110
314-664-5051 ext. 117
Fax: 314-664-5364
Email: sflanigan@justinepetersen.org
www.justinepetersen.org/
Executive Director: Robert Boyle
Microloan Contact: Sheri Fanigan-Vazquez
Service Area: Counties of Franklin, Jefferson, Lincoln, St. Charles, St. Louis, Warren, and the City of St. Louis

Rural Missouri, Incorporated
1014 Northeast Drive
Jefferson City, MO 65109
573-635-0136
Fax: 573-635-5636
Email: zola@rmiinc.org kluke45@mailexcel.com
www.rminc.org
Executive Director: Ken Lueckenotte
Microloan Contact: Zola Finch
Service Area: Statewide excluding Platte, Jackson, Clay and Cass counties

Montana
Capital Opportunities/District IX HRDC, Inc.
321 E. Main St., Suite 300
Bozeman, MT 59715
406-587-5444
Fax: 406-585-3538
Executive Director: Jeff Rupp
Microloan Contact: Kittie Bowen
Service Area: Gallatin, Park and Meagher counties

Montana Community Development Corp.
110 East Broadway, 2nd Floor
Missoula, MT 59802
406-728-9234
Fax: 406-542-6671
Email: mcdc@mtcdc.org
www.mtcdc.org/
Executive Director: Rosalie Cates
Microloan Contact: Mica Nioleyczik
Service Area: Lake, Mineral, Missoula, Ravalli, and Sanders counties

Nebraska
Rural Enterprise Assistance Project
Center for Rural Affairs
101 S. Tallman St.
P.O. Box 406
Walthill, NE 68067
402-846-5428
Fax: 402-846-5420
Email: gerardr@cfra.org or
Jeffr@alltel.net
www.cfra.org/reap
Executive Director: Chuck Hassebrook
Microloan Contact: Jeff Reynolds/Gerard Ras
Service Area: Adams, Antelope, Banner, Blaine, Boone, Box Butte, Boyd, Brown, Burralo, Burt, Butler, Cass, Cedar, Cherry, Cheyenne, Clay, Colfax, Cuming, Custer, Dakota, Dawes, Deuel, Dixon, Dodge, Fillmore, Franklin, Gage, Garden, Garfield, Greeley, Hall, Hamilton, Harlan, Holt, Howard, Jefferson, Johnson, Kearney, Keya Paha, Kimball, Knox, Lancaster, Loup, Madison, McPherson, Merrick, Morrill, Nance, Nemaha, Nuckolls, Otoe, Pawnee, Phelps, Pierce, Platte, Polk, Richardson, Rock, Saline, Saunders, Seward, Sheridan, Sherman, Sioux, Scottsbluff, Stanton, Thayer, Thurston, Valley, Washington, Wayne, Webster, Wheeler and York counties

West Central Nebraska Development District, Inc.
201 East 2nd Street, Suite C
P.O. Box 599
Ogailala, NE 69153
308-284-6077
Fax: 308-284-6070
Email: mowcndd@lakemac.net
Executive Director: Martin O’Haus
Microloan Contact: Paul Rausch
Service Area: Arthur, Chase, Dawson, Dundy, Frontier, Furnas, Gosper, Grant, Hayes, Hitchcock, Hooker, Keith, Lincoln, Logan, MacPherson, Perkins, Red Willow, and Thomas counties

Nevada
Nevada Microenterprise Initiative
113 West Plumb Lane
Reno, NV 89509
702-734-3555
Fax: 702-734-3530
Email: asiefert@earthlink.net
www.nmimicro.org/
Executive Director: Nancy Erends Bahr
Microloan Contact: Anna Siefert
Service Area: Statewide

New Hampshire
Northern Community Investment Corp.
347 Portland St.
P.O. Box 904
St. Johnsbury, VT 05819
802-748-5101
Fax: 802-748-1884
Email: carol@ncic.org
www.ncic.org
Executive Director:
Microloan Contact: Carol Walker
Service Area: Grafton, Carol and Coos counties

New Jersey
Trenton Business Assistance Corp.
209 E. Front St.
Trenton, NJ 08608
609-396-8271
Fax: 609-396-0559
Email: info@tbacloan.com
www.tbacloan.com
Executive Director: Deborah Osgood
Microloan Contact: Russ Haas
Service Area: Portions of the City of Trenton, Hunterdon, Mercer, Burlington, and Warren counties

Greater Newark Business Development Consortium
774 Broad St., 26th Floor
Newark, NJ 07102-5265
973-242-4134
Fax: 973-242-0485
www.gnbdc.org/
Executive Director: David Means
Microloan Contact: David Means
Service Area: Bergen, Essex, Hudson, Middlesex, Monmouth, Morris, Passaic, Sussex and Ocean counties.

Union County Economic Development Corp.
Liberty Hall Corporate Center
1085 Morris Ave., Suite 531
Union, NJ 07083
908-527-1166
Fax: 908-527-1207
Email: afarrah@ucedc.com
www.ucedc.com
Executive Director: Maureen Tinen
Microloan Contact: Carlos N. Sanchez
Service Area: Union and Somerset counties

Community Lending and Investment Corp. of Jersey City
30 Montgomery Street
Jersey City, NJ 07302
201-333-7797
Fax: 201-946-9367
www.jcedc.org/clic.shtml
Executive Director: Thomas Ahern
Microloan Contact: John Rodgers
Service Area: City of Jersey City

Cooperative Business Assistance Corporation
328 Market St.
2nd Floor, Suite 201
Camden, NJ 08102
856-966-8181
Fax: 856-966-0036
Email: hstonecbac2000@aol.com
www.cbaclenders.com/home.html
Executive Director: R. Michael Diemer
Microloan Contact: R. Michael Diemer
Service Area: Camden, Gloucester, Atlantic, Cape May, Cumberland, and Salem counties

New Mexico
Women’s Economic Self Sufficiency Team
414 Silver SW
Albuquerque, NM 87102-3239
505-241-4670
Fax: 505-241-4766
Email: agnes@swcp.com or dbaca@swcp.com
www.wesst.org/
Executive Director: Agnes Noonan
Microloan Contact: Debbie Baca
Service Area: Statewide

New York
Adirondack Economic Development Corporation
60 Main St., Suite 200
P.O. Box 747
Saranac Lake, NY 12983
518-891-5523
Fax: 518-891-9820
Email: beverly@aedconline.com
www.aedconline.com/
Executive Director: Ernest Hohmeyer
Microloan Contact: Beverly Desot
Service Area: Clinton, Essex, Franklin, Fulton, Hamilton, Herkimer, Jefferson, Lewis, Oneida, Oswego, St. Lawrence, Saratoga, Warren and Washington counties

Hudson Development Company
444 Warren St.
Hudson, NY 12534-2415
518-828-4718
Fax: 518-828-0901
Email: jgalvin@mhcable.com
Executive Director: Bernadina C. Torrye
Microloan Contact: John Galvin
Service Area: Columbia and Green counties

Manhattan Borough Development Corp.
55 Johns St., 17th Floor
New York, NY 10038
212-791-3660
Fax: 212-571-0873
Email: ochapman@mbdc.org
www.mbdc.org/
Executive Director: Ollie Chapman
Microloan Contact: Marta Gomez
Service Area: The borough of Manhattan

Rural Opportunities Enterprise Center, Inc.
400 East Avenue
Rochester, NY 14607
585-340-3387
Fax: 585-340-3326
Email: jdallis@ruralinc.org
www.ruralinc.org
Executive Director: Lee Beaulac
Microloan Contact: John Bell
Service Area: Allegheny, Cattaraugua, Cayuga, Chatauqua, Erie, Genessee, Livingston, Niagara, Ontario, Orleans, Seneca, Steuben, Wayne, Wyoming, Ulster, Onandaga, Monroe, Schuyler, Duchess, Chemung, Greene, Orange, Putnam, Sullivan, and Yates counties

Alternatives Federal Credit Union
125 N. Fulton St.
Ithaca, NY 14850
607-273-3582
Fax: 607-277-6391
Email: jhalleron@alternatives.org
www.alternatives.org/
Executive Director: William Myers
Microloan Contact: John Halleron
Service Area: Schuyler, Tompkins, Tioga, Cortland, Chemung, and Broome counties

Buffalo Economic Renaissance Corp. (BERC)
617 Main Street
Buffalo, NY 14203
716-842-6923
Fax: 716-842-6942
Email: mcurrie@berc.org
www.growbfo.org/
Executive Director: Marie F. Curie
Microloan Contact: Marie F. Curie
Service Area: City of Buffalo

Buffalo and Erie County Industrial Land Development Corp.
275 Oak Street
Buffalo, NY 14203
716-856-6525
Fax: 716-856-6754
Email: dkerchof@ecidany.com
www.ecidany.com/
Executive Director: David Kerchoff
Microloan Contact: David Kerchoff
Service Area: Erie County

Community Development Corporation of Long Island
2100 Middle Country Rd
Suite 300
Centereach, NY 11720
631-471-1215
Fax: 631-471-1210
Email: tdavis@cdcli.org
www.cdcli.org
Executive Director: Wilbur Klatsky
Microloan Contact: Trevor Davis
Service Area: Suffolk and Nassau counties

Albany-Colonie Regional Chamber of Commerce
1 Computer Drive South
Albany, NY 12205
518-453-5223
Fax: 518-453-5220
Email: walterb@ac-chamber.org
www.ac-chamber.org/
Executive Director: Madeline Taylor
Microloan Contact: Walter Burke
Service Area: Albany, Rensselaer, Saratoga, Schenectady, Schoharie, Greene, Fulton, and Montgomery counties

NY Assoc. for New Americans, Inc.
17 Battery Place
New York, NY 10004
212-425-5051
Fax: 212-425-7260
Email: mhandelm@nyana.org
www.nyana.org/
Executive Director: Mark Handelman
Microloan Contact: Maya Crawford
Service Area: The borough of Queens, Manhattan, the Bronx, Brooklyn, and Staten Island.

Renaissance Economic Development Corporation
1 Pike Street
New York, NY 10002
212-964-6002
Fax: 212-964-6181
Email: benjamin@renaissance-ny.org
www.renaissance-ny.org/
Executive Director: Benjamin Warnke
Microloan Contact: Susan Yee
Service Area: The boroughs of Brooklyn, Manhattan, and Queens

North Carolina
Self-Help Ventures Fund
301 W. Main St.
P.O. Box 3619
Durham, NC 27701
919-956-4400
Fax: 919-956-4600
Email: bob@self-help.org
www.self-help.com
Executive Director: Martin Eakes
Microloan Contact: Bob Schall/Carolyn Walker
Service Area: Statewide, excluding Watauga, Avery, Mitchell and Yancey counties

W.A.M.Y. Community Action
152 Southgate Dr., Suite 2
Box 2688
Boone, NC 28607
828-264-2421
Fax: 828-264-0952
Email: wamyloan@boone.net
Executive Director: Dr. James Jordan
Microloan Contact: Dave Lindsley
Service Area: Watauga, Avery, Mitchell, and Yancey counties

Neuse River Development Authority, Inc.
233 Middle Street 2rd Floor
New Bern, NC 28563
252-638-6724 Ext. 3032
Fax: 252-638-1819
Email: bbrown@nrda.org
www.nrda.org/
Executive Director: Donald T. Stewart
Microloan Contact: Barbara Brown
Service Area: Carteret, Craven, Duplin, Greene, Jones, Johnston, Lenoir, Onslow, Pamlico and Wayne counties

North Dakota
Lake Agassiz Regional Development Corporation
417 Main Ave.
Fargo, ND 58103
701-235-1197
Fax: 701-235-6706
Email: darin@lakeagassiz.com
Executive Director: Irvin Rustad
Microloan Contact: Darin Bullinger
Service Area: Griggs, Bismarck, Mandan, Jamestown, and Valley City

Dakota Certified Development Corporation
51 Broadway Suite 500
Fargo, ND 58102
701-293-8892
Fax: 701-293-7819
Email: toby@fedc.com or wendy@dakotacdc.com
www.dakotacdc.com/
Executive Director: Toby Sticka
Microloan Contact: Wendy Simek
Service Area: Grand Forks, Devils Lake, Minot, Williston, and Dickinson counties

Ohio
Enterprise Development Corporation
9030 Hocking Hills Dr.
The Plains, OH 45780-1209
740-797-9646
Fax: 740-797-9659
Email: llathan@edcseo.org or
gseeley@edcseo.org
www.edcseo.org/
Executive Director: Gary Seeley
Microloan Contact: Lisa Latham
Service Area: Adams, Ashland, Athens, Belmont, Brown, Carrol, Columbiana, Coshocton, Gallia, Guernsey, Harrison, Highland, Hocking, Holmes, Jackson, Jefferson, Knox, Lawrence, Meigs, Monroe, Morgan, Muskingum, Noble, Perry, Pike, Ross, Scioto, Tuscarawas, Vinton and Washington counties

Community Capital Development Corporation
900 Michigan Ave.
Columbus, OH 43215-1165
614-645-6171
800-756-CCDC
Fax: 614-645-8588
Email: fvincent@columbus.rr.com or bshimp@ccdcorp.org
www.ccdcorp.org/
Executive Director: Brad Shrimp
Microloan Contact: Kendra Krebs-Vincenty
Service Area: Franklin, Delaware, Fairfield, Licking, Union, Pickaway, Fayette, and Madison counties

Hamilton County Development Co., Inc.
1776 Mentor Ave.
Cincinnati, OH 45212
513-631-8292
Fax: 513-631-4887
Email: lawalden@hcdc.com
www.hcdc.com/
Executive Director: David Main
Microloan Contact: Lou Ann Walden
Service Area: City of Cincinnati, Adams, Brown, Butler, Clermont, Clinton, Hamilton, Highland, and Warren counties

Women’s Organization for Mentoring, Entrepreneurship, and Networking
526 S. Main St., Suite 235
Akron, OH 44311-1058
330-379-9280
Fax: 330-379-3454
Email: women@ald.net
www.womennet.org/
Executive Director: Janice Robinson
Microloan Contact: Janice Robinson
Service Area:Cuyahoga, Lake, Lorain, Mahoning, Medina, Stark, Summit, and Wayne counties.

County Corp Development
40 W. Fourth St. Ste. 1600
Dayton, OH 45402
937-225-6328
Fax: 937-225-5089
Email: ed@countycorp.com
www.countycorp.com/
Executive Director: Marni Flagle
Microloan Contact: Tracy Shultz
Service Area: Miami, Montgomery, and Greene county

Kent Regional Business Alliance
College of Business #300-A, KSU
Kent, OH 44242
330-672-1275
Fax: 330-672-9338
Email: lyost@bsa3.kent.edu
www.business.kent.edu/dean/krba.htm
Executive Director: Linda Yost
Microloan Contact:
Service Area: Ashtabula, Geauga, Trumbull, Portage, Columbiana, Carroll, Holmes, Coshocton, Tuscarawas, Stark, and Harrison counties

Working for Empowerment through Community Organizing (WECO)
2700 E. 79th Street, 4th Street
Cleveland, OH 44104
216-881-9650
Fax: 216-881-9704
Email: judi@wecofund.com
www.wecofund.com/
Executive Director: Judith W. Miles
Microloan Contact:
Service Area: Cuyahoga county

Oklahoma
Rural Enterprises, Inc.
2912 Enterprise Blvd.
P.O. Box 1335
Durant, OK 74702
580-924-5094
Fax: 580-920-2745
Email: veazie@ruralenterprises.com or debbiep@ruralenterprises.com
www.ruralenterprises.com/
Executive Director: Tom Smith
Microloan Contact: Ray Veazie/Debbie Partin
Service Area: Statewide excluding Adair, Canadian, Cherokee, Cleveland, Craig, Creek, Delaware, Haskell, Hayes, Hughes, Kay, Latimer, Leflore, Lincoln, Logan, McIntosh, Muskogee, Noble, Nowata, Okfuskee, Oklahoma, Okmulgee, Osage, Ottawa, Pawnee, Payne, Pittsburgh, Pottawatomie, Rogers, Seminole, Sequoyah, Wagoner, Washington, and Wayne counties including the city of Tulsa.

Tulsa Economic Development Corporation
907 S. Detroit Ave., Suite 1001
Tulsa, OK 74120
918-585-8332
Fax: 918-585-2473
Email: tmartin@tulsaecondevcorp.com
Executive Director: Rose Washington-Rentie
Microloan Contact: Tara Martin
Service Area: Adair, Canadian, Cherokee, Cleveland, Craig, Creek, Delaware, Haskell, Hayes, Hughes, Kay, Latimer, Leflore, Lincoln, Logan, McIntosh, Muskogee, Noble, Nowata, Okfuskee, Oklahoma, Okmulgee, Osage, Ottawa, Pawnee, Payne, Pittsburg, Pottawatomie, Rogers, Seminole, Sequoyah, Wagoner, Washington, and Wayne counties including the city of Tulsa

Greenwood Community Development
131 N. Greenwood Ave, 2nd Floor
Tulsa, OK 74120
918-585-2084
Fax: 918-585-9268
Email: rgant@tulsacoxmail.com/rking@tulsacoxmail.com
Executive Director: Reuben Gant
Microloan Contact: Reuben Gant
Service Area: Northwest Tulsa county

Little Dixie Community Action
502 West Duke St.
Hugo, OK 74743
580-326-3351
Fax: 580-326-2305
Email: jpool@littledixie.org
www.littledixiecaa.homestead.com/
Executive Director: Jerry Pool
Microloan Contact: Clarke LaForce 580-326-6441
Service Area: Choctaw, McCurtain, and Pushmataha counties

Tulsa Economic Development Corporation
907 S. Detroit Ave., Suite 1001
Tulsa, OK 74120
918-585-8332
Fax: 918-585-2473
Email: tmartin@tulsaecondevcorp.com
Executive Director: Rose Washington-Rentie
Microloan Contact: Tara Martin
Service Area: Adair, Canadian, Cherokee, Cleveland, Craig, Creek, Delaware, Haskell, Hayes, Hughes, Kay, Latimer, Leflore, Lincoln, Logan, McIntosh, Muskogee, Noble, Nowata, Okfuskee, Oklahoma, Okmulgee, Osage, Ottawa, Pawnee, Payne, Pittsburg, Pottawatomie, Rogers, Seminole, Sequoyah, Wagoner, Washington, and Wayne counties including the city of Tulsa

Oregon
Cascades West Financial Services, Inc.
1400 Queen Ave., SE, Suite 205C
P.O. Box 686
Albany, OR 97321
541-924-8480
Fax: 541-967-4651
Email: dsearle@ocwcog.org
www.cascadeswest.com/
Executive Director: Mary Merriman Smith
Microloan Contact: Diane Searle
Service Area: Benton, Clackamas, Hood River, Jefferson, Lane, Lincoln, Linn, Marion, Multnomah, Polk, Tillamook, Wasco, Washington, and Yamhill

Ida-Ore Planning and Development Association, Inc.
10624 W. Executive Dr.
Boise, ID 83713
208-322-7033
Fax: 208-322-3569
Email: pmchoate@ida-ore.com
www.sageidaho.com/
Executive Director: Phillip Choate
Microloan Contact: Bob Richards
Service Area: Harney and Malheur counties

Southern Oregon Women’s Access to Credit, Inc.
33 North Central #209
Medford, OR 97501
541-779-3992
Fax: 541-779-5195
Email: dpdavis@sowac.org
www.sowac.org/
Executive Director: Helen Wallace
Microloan Contact: Dennis Davis
Service Area: Jackson, Josephine, Klamath, and Lake counties

Oregon Association of Minority Entrepreneurs Credit Corporation
4134 N. Vancouver Avenue
Portland, OR 97217
503-249-7744
Fax: 503-249-2027
Executive Director: Samuel Brooks
Microloan Contact: Samuel Brooks
Service Area: Multnomah, Washington, Clackamas, Columbia, Tillamook, Clatsop, and Hood Counties

Umpqua Community Development Corporation
738 SE Kane Street
Roseburg, OR 97470
541-673-4909
Fax: 541-673-5023
Email: btamm@mcsi.net/ or rault@mcsi.net
www.umpquacdc.org/
Executive Director: Betty Tamm
Microloan Contact: Bob Ault
Service Area: Coos, Curry and Douglas Counties

Participating Intermediary Lenders and Non-Lending Technical Assistance Providers - P-Z

Pennsylvania
The Ben Franklin Tech. Center of SE Pennsylvania
11 Penn Center
1835 Market St., Suite 1100
Philadelphia, PA 19103
215-972-6700
Fax: 215-972-5588
Email: bftc@benfranklin.org
www.sep.benfranklin.org/seed/cel.html
Executive Director: Rose Ann Rosenthal
Microloan Contact: Dieter Littles
Service Area: Bucks, Chester, Delaware, Montgomery, and Philadelphia counties

The Washington County Council on Economic Development
40 S. Main Street, Lower Level
Washington, PA 15301
724-228-8223
Fax: 724-250-8202
Email: wcced@cobweb.net
www.washingtoncountypa.org
Exec. Director: Malcolm Morgan
Microloan Contact: Alan A. Hill
Service Area: Southwestern area of Pennsylvania including Greene, Fayette, Washington, and Westmoreland counties

Aliquippa Alliance for Unity and Development
392 Franklin Ave
Aliquippa, PA 15001
724-378-7422
Fax: 724-378-9976
Email: pkribbs@aaud.org
www.aaud.org/
Executive Director: Roseanne Stead
Microloan Contact: Patricia Kribbs
Service Area: Beaver, Butler, and Lawrence counties

Community First Fund
44 N Queen Street P. O. Box 524
Lancaster, PA 17608-0524
866-822-3863
Fax: 717-393-1757
Email: dbetancourt@commfirstfund.org gmachia@commfirstfund.org
www.commfirstfund.org
Executive Director: Dan Betancourt
Microloan Contact: Glenda Machia
Service Area: Lancaster, York, Berks, Dauphin, Lebanon, Cumberland, Perry, and Adams counties

Community Loan Fund of Southwestern PA, Inc.
1920 Gulf Towers
707 Grant Street
Pittsburgh, PA 15219
412-201-2450
Fax: 412-201-2451
Email: mpeterson@clfund.com mbevan@clfund.com
www.clfund.com
Executive Director: Mark Peterson
Microloan Contact: Laura Swiss
Service Area: Allegheny, Armstong, Beaver, Butler and Indiana counties

Northeastern Pennsylvania Alliance (aka: NEPA)
1151 Oak St.
Pittston, PA 18640-3795
570-655-5581
Fax: 570-654-5137
Email: tompel@nepa-alliance.org
www.nepa-alliance.org/
Executive Director: Cameron Moore
Microloan Contact: Tom Pellegrini
Service Area: Carbon, Lackawanna, Luzerne, Monroe, Pike, Schuylkill, and Wayne counties

MetroAction, Inc.
222 Mulberry Street
P.O. Box 4731
Scranton, PA 18501-0431
570-342-7711
Fax: 570-347-6262
Email: kfrench@scrantonchamber.com
www.scrantonchamber.com
Executive Director: John Kokinchak
Microloan Contact: Kristine French
Service Area: Luzerne, Lackawanna, and Monroe counties

North Central PA Regional Planning & Dev. Commission
651 Montmorenci Avenue
Ridgway, PA 15853
814-773-3162
Fax: 814-772-7045
Email: jfoys@ncentral.com
Executive Director: Ronald W. Kuleck
Microloan Contact: Jill Foys
Service Area: Cameron, Clearfield, Elk, Jefferson, McKean and Potter counties

Northwest Pennsylvania Regional Planning & Dev. Commission
395 Seneca Street
Oil City, PA 16301
814-677-4800
Fax: 814-677-7663
Email: dalem@nwplan.org
www.nwcommission.org/
Executive Director: William Steiner
Microloan Contact: Dale F. Massie
Service Area: Clarion, Crawford, Erie, Forest, Lawrence, Mercer, Warren and Venango counties

Philadelphia Commercial Development Corporation
1315 Walnut Street Suite 600
Philadelphia, PA 19107
215-790-2210
Fax: 215-790-2222
Email: econpcdc@aol.com
www.philadelphiacommercial.com
Executive Director: Curtis Jones, Jr.
Microloan Contact: Rick Dean/Linda House
Service Area: Philadelphia

SEDA-Council of Governments
RR #1, Box 372
Lewisburg, PA 17837
570-524-9190
Fax: 570-524-4491
Email: venditti@seda-cog.org
www.seda-cog.org/
Executive Director: Dennis E. Robinson
Microloan Contact: Thomas J. Venditti
Service Area: Centre, Clinton, Columbia, Juniata, Lycoming, Mifflin, Montour, Northumberland, Perry, Snyder, and Union counties.

Southern Alleghenies Planning & Development Commission
541 58th Street
Altoona, PA 16602
814-949-6545
Fax: 814-949-6505
Email: sapdc@sapdc.org
www.sapdc.org
Executive Director: Edward M. Silvetti
Microloan Contact: Michael Mignogna
Service Area: Bedford, Blair, Cambria, Fulton, Huntingdon, and Somerset counties

Puerto Rico
Economic Development Corporation of San Juan (COFECC)
1103 Avenida Munoz Rivera
P.O. Box 191791
Rio Piedras, PR 00926
787-756-5080
Fax: 787-753-8960
Email: cofecc@worldnet.att.net
www.cofecc.net/
Exec. Director: Giovanna Piovanetti
Microloan Contact: Giovanna Piovanetti
Service Area: Territory wide

Rhode Island
Rhode Island Coalition for Minority Investment
216 Weybosset Street 2nd Floor
Providence, RI 02903
401-351-2999
Fax: 401-351-0990
Email: dbarge.midc@ efortress.com/allawi@prodigy.net
www.midcri.com
Executive Director: Denise Barge
Microloan Contact: Henry Reid
Service Area: Statewide

South Carolina
Charleston Citywide Local Development Corporation
75 Calhoun St., 3rd Floor
Charleston, SC 29403
803-724-3796
Fax: 803-724-7354
Email: brennans@ci.charleston.sc.us
www.ci.charleston.sc.us/ldc.htm
Executive Director: Sharon Brennan
Microloan Contact: Michelle Ingle/Dwayne Jubar
Service Area: City of Charleston

Santee-Lynches Regional Development Corp.
36 West Liberty St.
P.O. Box 1837
Sumter, SC 29150
803-775-7381
Fax: 803-773-6902
Email: slrdc@slcog.org
www.slcog.state.sc.us/
Exec. Director: James Darby, Jr.
Microloan Contact: Walter Dunlap
Service Area: Clarendon, Kershaw, Lee and Sumter counties

Carolina Capital Investment Corporation
P. O. Box 8327
Columbia, SC 29202
803-461-3800
Fax: 803-461-3826
Email: mgaylor@businesscarolina.net
Executive Director: Elliott E. Franks, III
Microloan Contact: Melissa Gaylor
Service Area: Abbeville, Aiken, Allendale, Anderson, Bamberg, Barnwell, Beaufort, Berkeley, Calhoun, Charleston, Cherokee, Chester, Chesterfield, Colleton, Darlington, Dillon, Dorchester, Edgefield, Fairfield, Florence, Georgetown, Greenville, Greenwood, Hampton, Horry, Jasper, Lancaster, Laurens, Lexington, Marion, Marlboro, McCormick, Newberry, Oconee, Orangeburg, Pickens, Richland, Saluda, Spartanburg, Union, and York counties

South Dakota
Lakota Fund
Trade Center
P.O. Box 340
Kyle, SD 57752
605-455-2500
Fax: 605-455-2585
Email: monica@rapidnet.com
www.lakotafund.org/
Exec. Dir.: Elsie Meeks
Microloan Contact: Monica Perkildsen
Service Area: Bennett county, Pine Ridge Indian Reservation, and areas of Shannon and Jackson counties which are surrounded by Indian Lands, and exclusive of Northern Jackson county

Tennessee
Economic Ventures, Inc.
P.O. Box 3550
Knoxville, TN 37927-3550
865-594-8762
Fax: 865-594-8659
Email: kbell@cityofknoxville.org
Executive Director:
Microloan Contact:
Service Area: Anderson, Blount, Campbell, Clairborne, Cocke, Grainger, Hamblen, Jefferson, Knox, Loudon, Monroe, Morgan Roane, Scott, Sevier, Union, Greene, Hancock, Hawkins, Sullivan, Washington, Johnson, Carter, and Unicoi counties

LeMoyne-Owen College Community Development Corporation
802 Walker Avenue, Suite 5
Memphis, TN 38126
901-942-6265
Fax: 901-942-6448
Email: jeffrey_higgs@nile.lemoyne-owen.edu/austin.emeagwai@nile.lemoyne-owen.edu
www.loccdc.org
Executive Director: Jeffrey T. Higgs
Microloan Contact: Austin Emeagwai
Service Area: Memphis and Shelby county

Southeast Community Capital
1020 Commerce Park Drive
Oak Ridge, TN 37830
865-220-2025
Fax: 865-220-2030
Email: hortonw@tech2020.org
www.tech2020.org
Executive Director: Don Welty
Microloan Contact: Louanne Horton-White
Service Area: Statewide

Woodbine Community Organization
222 Oriel Avenue
Nashville, TN 37210
615-833-9580
Fax: 615-833-9727
Email: oliverdent2001@cs.com
Executive Director: Oliver Dent
Microloan Contact: Oliver Dent
Service Area: Cheatham, Davidson, Dickson, Robertson, Rutherford, Sumner, Williamson, and Wilson counties

Texas
Business Resource Center Incubator
401 Franklin
Waco, TX 76701
254-754-8898
Fax: 254-756-0776
Email: john@brc_waco.com
Executive Director: John Dosher
Microloan Contact: John Dosher
Service Area: Bell, Bosque, Coryell, Falls, Hill, and McLennan counties

The Corporation for Economic Development of Harris County, Inc.
118-3 1@ 1 East Tex Freeway
Houston, TX 77027
281-590-5600
Fax: 281-590-5605
Email: jacklyngriffen@cedhc.com
www.cedhc.com/
Executive Director: Jacklyn Griffin
Microloan Contact: Janis Fowler
Service Area: Brazoria, Chambers, Fort Bend, Galveston, Harris, Liberty, Montgomery, and Waller counties

San Antonio Local Development Company
215 S. San Saba, Room 107
San Antonio, TX 78207
210-207-3932
Fax: 210-207-8151
Email: roberta@sanantonio.gov
www.saldc.com/
Executive Director: Ramire Cavazos
Microloan Contact: Robert Ayala
Service Area: Atascosa, Bandera, Bexar, Comal, Frio, Gillespie, Guadalupe, Karnes, Kendall, Kerr, Medina, San Antonio, and Wilson counties

Southern Dallas Development Corporation
351 West Blvd., Suite 800
Dallas, TX 75208
214-428-7332
Fax: 214-948-8104
Email: velmore@sbdc.org
Executive Director: Jim Reid
Microloan Contact: Victor Elmore
Service Area: Portions of the City of Dallas

ACCION Texas, Inc.
2014 S. Hackberry Street
San Antonio, TX 78210
210-226-3664
Fax: 210-226-2940
Email: info@acciontexas.org
www.acciontexas.org/
Executive Director: Janie Barrera
Microloan Contact: Elizabeth Montoya
Service Area: Arkansas, Atascosa, Austin, Bandera, Bastrop, Bee, Bexar, Blanco, Brewster, Brooks, Brownsville, Burnet, Carmeron, Caldwell, Calhoun, Comal, Concho, Corpus Christi, Crockett, Culberson, Dallas,DeWitt, Dimmit, Duval, Edwards, El Paso, Fayette, Fort Worth, Frio, Gillespie, Goliad, Gonzales, Green, Guadalupe, Harris, Hays, Houston, Hidalgo, Hudspeth, Irion, Jackson, Jeff Davis, Jim Hogg, Jim Wells, Karnes, Kendall, Kenedy, Kerr, Kimble, Kinney, Kleberg, Lampasas, Laredo, LaSalle, Lavaca, Lee, Live Oak, Llano, Loving, Mason, Maverick, Medina, McAllen, McCulloch, McMullen, Menard, Midland/Odessa, Nueces, Pecos, Presidio, Real, Reeves, Real, Reeves, Refugio, San Antonio, San Patricio, San Saba, Schleicher, Starr, Sutton, Tarrant, Tom Green, Travis, Uvalde, Val Verde, Victoria , Webb, Willacy, Zapata and Zavala counties

BIG - Businesses Invest In Growth
4100 Ed Bluestein , Suite 207
Austin, TX 78741
512-928-8010
Fax: 512-926-2997
Email: Melissa@big.org
www.bigaustin.org/
Executive Director: Jeannette Peten
Microloan Contact: Jeannette Peten
Service Area: Travis, Williamson, Hays, Bastrop, Blanco, Burnet, Burleson, Milam, Gillespie, Lampasas, Lee, Llano, Mason, Mcculloch, and SanSaba counties

Neighborhood Housing Services of Dimmitt County, Inc.
301 Pena Street
Carrizo Springs, TX 78834
830-876-5295
Fax: 830-876-4136
Email: nhsdc@brushco.net
Executive Director: Manuel Estrada, Jr.
Microloan Contact: Manuel Estrada, Jr.
Service Area: Dimmit, La Salle, Zavala Edwards, Kinney, Real, Uvalde, Val Verde and Maverick counties

Rural Development and Finance Corporation
711 Navarro Street Suite 350
San Antonio, TX 78207
210-212-4552
Fax: 210-212-9159
Email: RDFC@DCCI.COM
www.rdfc.org/
Executive Director: Gloria Guerrero
Microloan Contact: Lucy Brooks
Service Area: Cameron, El Paso, Starr, Hidalgo, Willacy, Maverick, Dimmit, Webb, Zapata, and Zavala counties

Vermont
Economic Development Council of Northern Vermont, Inc.
155 Lake St.
St. Albans, VT 05478
802-524-4546
Fax: 802-527-1081
Email: edcnv@together.net
Executive Director: Connie Stanley-Little
Microloan Contact: William Farr
Service Area: Chittenden, Franklin, Grand Isle, Lamoille, and Washington counties

Northern Community Investments Corporation
347 Portland Street
P.O. Box 904
St. Johnsbury, VT 05819
802-748-5101
Fax: 802-748-1884
Email: carol@ncic.org
www.ncic.org
Executive Director:
Microloan Contact: Carol Walker
Service Area: Caledonia, Essex, and Orleans counties

Vermont Development Credit Union
18 Pearl Street
Burlington, VT 05401
802-865-3404
Fax: 802-862-8971
www.vdcu.org/
Executive Director: Caryl J. Stewart
Microloan Contact: Jeff Smith
Service Area: Addison, Bennington, Orange, Rutland, Windham, and Windsor counties

Virginia
Group Enterprise Development
1038 S. Highland St.
Arlington, VA 22204
703-685-0510
Fax: 703-685-0529
Email: belay.embaye@ecdcinternational.org
www.ecdcinternational.org/
Exec. Director: Tschaye Teferra
Microloan Contact: Haddish Weldaly
Service Area: Prince William, Arlington and Fairfax counties and the cities of Alexandria and Falls Church

Business Development Centre, Inc.
147 Mill Ridge Road
Lynchburg, VA 24502
434-582-6100
Fax: 434-582-6106
Email: rich@lbdc.com
www.lbdc.com
Executive Director: Catherine McFaden
Microloan Contact: Rich Stallings
Service Area: Amherst, Appomattox, Bedford, Campell counties, cities of Lynchburg and Bedford, and the Town of Amherst and Altavista

People Incorporated of Southwest Virginia
1173 W. Main St.
Abingdon, VA 24210
276-619-2239
Fax: 276-628-2931
Email: afortner@naxs.com
www.businesstart.org
Executive Director: Robert G. Goldsmith
Microloan Contact: Amanda Fortner/Phillip Black
Service Area: Buchanan, Carroll, Dickenson, Grayson, Lee, Russell, Scott, Smythe, Tazewell, Wythe, Washington, Wise counties and the cities of Bristol and Norton

Center for Community Development
440 High Street Suite 204
Portsmouth, VA 23704
757-399-0925
Fax: 757-399-2642
Email: profitl@infi.net
www.ccdi-va.net
Executive Director: Bruce Asberry
Microloan Contact: Monique Harrell
Service Area: Chesapeake, Hampton, Newport News, Norfolk, Portsmouth, Suffolk, and Virginia Beach

Lightstone Community Development Corp.
HC 63, Box 73
Moyers, WV 26815
304-249-5200
Fax: 304-249-5310
Email: tony@lightstone.org
www.lightstone.org/
Executive Director: Anthony E. Smith
Microloan Contact: Anthony E. Smith
Service Area: Bath and Highland counties

Richmond Economic Development Corporation
501 E. Franklin St. Suite 358
Richmond, VA 23219
804-780-3013
Fax: 804-788-4310
Email: sjschley@aol.com
www.reacfinance.org
Executive Director: Stephen Schley
Microloan Contact: Brenda Lewis
Service Area: City of Richmond

Total Action Against Poverty
145 Campbell Avenue, S.W. Suite 303
P.O. Box 2868
Roanoke, VA 24011-2868
540-345-6781
Fax: 540-343-9892
Email: chris.scott@taproanoke.org
www.taproanoke.org/
Executive Director: Ted Edlich
Microloan Contact: Chris Scott
Service Area: Alleghany, Bath, Botetourt, Craig, and Roanoke counties including the City of Clifton Forge, Covington, Roanoke, and Salem

Community Development Loan Fund
1624 Hull Street
Richmond, VA 23224
804-233-2014
Fax: 804-233-2158
Email: JFraitesvcdlf@earthlink.net
www.vcdlf.org
Executive Director: Tim Hayes
Microloan Contact: Janice Fraites
Service Area: The counties of Henrico, Chesterfield, Goochland, Hanover, Powatan, and the cities of Petersburg and Hopewell

Washington
Tri-Cities Enterprise Association
124 W. Kennewick Ave.
Kennewick, WA 99336
509-582-9440
Fax: 509-582-9720
Email: kfast@enterprisecenter.net
www.enterprisecenter.net/
Executive Director: Wilfred Henderson
Microloan Contact: Katie Fast
Service Area: Benton, Franklin, Columbia, Garfield, Asotin, Whitman, and Spokane counties

Community Capital Development
1437 South Jackson, Suite 201
Seattle, WA 98144
206-324-4330 ext. 104
Email: artm@seattleccd.com
www.seattleccd.com/
Executive Director: Jim Thomas
Microloan Contact: Art Mickel
Service Area: Adams, Chelan, Douglas, Grant, Kittitas, Klickitat, Okanogan, Yakima, King, Pierce, Skagit, San Juan, Snohomish, Island, Kitsap and Whatcom

Oregon Association of Minority Entrepreneurs Credit Corporation
4134 N. Vancouver Avenue
Portland, OR 97217
503-249-7744
Fax: 503-249-2027
Executive Director: Samuel Brooks
Microloan Contact: Samuel Brooks
Service Area: Clark county

Washington Assn. for Minority Entrepreneurs/
Rural Community Development Resources(RCDR)
24 South 3rd Avenue
Yakima, WA 98902
509-453-5133
Fax: 509-453-5165
Email: delnorte@nwinfo.net
Executive Director: Luz Bazan Gutierrez
Microloan Contact: Luz Bazan Gutierrez
Service Area: Mattawa and Othello in Grant County; Moses Lake and Royal City in Adams County; Walla Walla County; and Pasco in Franklin County; Yakima County

Washington CASH (Community Alliance for Self-Help)
1912 East Madison St.
Seattle, WA 98122
206-352-1945
Fax: 206-352-1899
Email: washcash@nwlink.com
www.washingtoncash.org
Executive Director: Kathy Gilman
Microloan Contact: Kathy Gilman
Service Area: Clark, Cowlitz, Island, King, Kitsap, Lewis, San Juan, Skagit, Snohomish, Thurston, and Whatcom counties

Rural Community Development Resources, Inc.
24 South 3rd Avenue
Yakima, WA 98902
509-453-5133
Fax: 509-453-5165
Email: delnorte@nwinfo.net
President & CEO: Luz Bazan Gutierrez
Service Area: Mattawa and Othello in Grant County; Moses Lake and Royal City in Adams County; Walla Walla County; and Pasco in Franklin County

West Virginia
The Washington County Council on Economic Development
100 West Beau Street, Suite 703
Washington, PA 15301-4432
724-228-6949
Fax: 724-250-6502
Email: waced@cobweb.net
www.washingtoncountypa.org
Executive Director: Malcolm L. Morgan
Microloan Contact: Ray Grudi
Service Area: Monongalia county

Lightstone Community Development Corp.
HC 63, Box 73
Moyers, WV 26815
304-249-5200
Fax: 304-249-5310
Email:tony@lightstone.org
www.lightstone.org/
Executive Director: Anthony E. Smith
Microloan Contact: Anthony E. Smith
Service Area: Statewide

Mountain CAP of West Virginia, Inc.
105 Jerry Burton Drive
Sutton, WV 26601
304-765-7738
Fax: 304-765-7308
Email: mtcapt@rtol.net or kctmountaincap@neumedia.net
www.mountaincap.com/
Executive Director: Mary Chipps
Microloan Contact: Tara Rexroad
Service Area: Barbour, Braxton, Clay, Fayette, Gilmer, Lewis, Nicholas, Randolph, Roane, Upshur Raleigh, Harrison, and Webster Counties

Wisconsin
Advocap, Inc.
19 W. 1st St.
P.O. Box 1108
Fond du Lac, WI 54935
920-922-7760
Fax: 920-922-7214
Email: morta@advocap.org
www.advocap.org/
Executive Director: Michael Bonertz
Microloan Contact: Mort Gazerwitz
Service Area: Fond du Lac, Green Lake, and Winnebago counties

Impact Seven, Inc.
147 Lake Almena Dr.
Almena, WI 54805
715-357-3334
Fax: 715-357-6233
Email: impact7@execpc.com
www.impactseven.org/
Executive Director: William Bay
Microloan Contact: Inger Sanderud
Service Area: Statewide with the exceptions of Fond du Lac, Green Lake, Kenosha, Milwaukee, Oasukee, Racine, Walworth, Waukesha, Washington, and Winnebago counties and inner city Milwaukee

Wisconsin Women’s Business Initiative Corporation
2745 N. Dr. Martin Luther King Jr. Dr.
Milwaukee, WI 53212
414-263-5450
Fax: 414-263-5456
Email: info@wwbic.com
www.wwbic.com/
Executive Director: Wendy Werkmeister
Microloan Contact: Carol N. Maria
Service Area: Brown, Dane, Dodge, Jefferson, Kenosha, Milwaukee, Ozaukee, Racine, Walworth, Washington and Waukesha counties

Lincoln Neighborhood Redevelopment Corp.
2266 S. 13th St.
Milwaukee, WI 53215
414-671-5619
Fax: 414-385-3270
Email: LNRC@cbgmail.com
Executive Director: Michael Gapinski
Microloan Contact: Matthew Maigatter
Area Served: Greater Milwaukee SMSA

Northeast Entrepreneur Fund, Inc.
1225 Town Avenue
Superior, WI 54880
800-422-0374
Fax: 715-392-6131
Email: info@neefund.org
www.entrepreneurfund.org/
Executive Director: Mary Mathews
Microloan Contact: Robert Voss
Service Area: Douglas County

Wyoming
Wyoming Women's Business Center
13th and Lewis Streets P.O. Box 3661
Laramie, WY 82071
307-766-3083
Fax: 307-766-3085
Email: wwbc@uwyo.edu
www.wyomingwomen.com/
Executive Director: Rosemary Bratton
Microloan Contact: Rosemary Bratton
Service Area: State Wyoming

Technical Assistance Grant Recipients

Alaska
Juneau Economic Development Council
612 W. Willoughby, Suite A
Juneau, AK 99801-1732
907-463-3662
Fax: 907-463-3929
Email: jedc@ptialaska.net or kflanders@ptialaska.net
www.jedc.org/
Executive Director: Charles Northrip
Microloan Contact: Kirk Flanders
Service Area: Through SBDCs, the Alaska Panhandle

California
Women’s Initiative for Self Employment
1390 Market St., Suite 113
San Francisco, CA 94102
415-247-9473
Fax: 415-247-9471
Email: wils@igc.org
www.womensinitiative.org/
Executive Director: Barbara Johnson
Microloan Contact: Corinne Florek
Service Area: defined sectors of San Francisco Bay Area

Connecticut
Woman’s Business Development Center
400 W. Main St., Suite 500
Stamford, CT 06902
203-353-1750
Fax: 203-353-1084
Email: sharonwbdc@ferg.lib.ct.us
Executive Director: Fran Pastore
Microloan Contact: Sharon Dubinsky
Service Area: SW corner including Ansonia, Beacon Falls, Bethel, Bridgeport, Bridgewater, Brookfield, Danbury, Darien, Derby, Easton, Fairfield, Greenwich, Milford, Monroe, New Canaan, New Fairfield, New Milford, Newtown, Norwalk, Oxford, Redding, Ridgefield, Seymour, Shelton, Sherman, Stamford, Stratford, Trumbull, Weston, Westport, and Wilton counties

Florida
Lee County Employment and Economic Dev. Corp.
2774 First Street
Fort Myers, FL 33916
239-337-2300
Fax: 239-337-4558
Executive Director: Roy Kennix
Microloan Contact: Roy Kennix
Service Area: Community Redevelopment areas of Lee County including Charleston Park, Dunbar, Harlem Heights, North Fort Myers, and State Road 80

Illinois
Women’s Business Development Center
8 South Michigan Ave., Suite 400
Chicago, IL 60603
312-853-3477
Fax: 312-853-0145
Email: wbdc@aol.com
www.wbdc.org/
Executive Director: Hedy Ratner
Microloan Contact: Carol Dougal
Service Area: Boone, Cook, DeKalb, DuPage, Kane, Kankakee, Kendall, Lake, McHenry, Will, and Winnebago counties

Indiana
Community Action of Southern Indiana
1613 E. 8th
P.O. Box 843
Jeffersonville, IN 47130
812-288-6451, ext. 111
Fax: 812-284-8314
www.casijeff.net/
Executive Director: Fred Mitchell
Microloan Contact: Leatha Jackson
Service Area: Clark, Floyd, and Harrison counties

Iowa
Institute for Social and Economic Development
910 23rd Avenue
Coralville, IA 52241
319-338-2331
Fax: 319-338-5824
Email: cpigsley@ised.org
www.ised.org/
Executive Director: Christine Pigsley
Microloan Contact: Christine Pigsley
Service Area: Statewide

Kansas
Great Plains Development, Inc.
100 Military Plaza, Suite 128
P.O. Box 1116
Dodge City, KS 67801
316-227-6406
Fax: 316-225-6051
Exec. Director: Patty Richardson
Microloan Contact: Patty Richardson
Service Area: Statewide

Michigan
Cornerstone Alliance
38 W. Wall St.
P.O. Box 428
Benton Harbor, MI 49023-0428
616-925-6100
Fax: 616-925-4471
Email: gvaughn@ cstonealliance.org
www.cstonealliance.org/
Executive Director: Jeff Noel
Microloan Contact: Gregory Vaughn
Service Area: Berrien County and City of Benton Harbor

Minnesota
Neighborhood Development Center, Inc.
651½ University Ave.
St. Paul, MN 55104
651-291-2480
Fax: 651-291-2597
Email: windndc@mtn.org
www.windndc.org/
Executive Director: Mihailo Temali
Microloan Contact: Mara O’Neil
Service Area: Districts 3, 5, 6, 8, 9, and 16 of the City of St. Paul

Missouri
Community Development Corporation of Kansas City
2420 E. Linwood Blvd., Suite 110
Kansas City, MO 64109
816-924-5800
Fax: 816-921-3350
Exec. Director: William Threatt, Jr.
Microloan Contact: William Dayton
Service Area: Cass, Clay, Platte, Ray and Jackson counties

Montana
Montana Department of Commerce
SBDC Division
1424 9th Ave.
P.O. Box 200505
Helena, MT 59620-0505
406-444-4325
Fax: 406-444-1872
Email: adesch@state.mt.us
http://commerce.state.mt.us/
Executive Director: Ann Desch
Microloan Contact: Robyn Hampton
Service Area: Through SBDCs, Cascade, Chouteau, Fergus, Glacier, Golden Valley, Judity Basin, Musselshell, Petroleum, Pondera, Teton, Toole, and Wheatland counties, and the Blackfeet, Flathead, and Fort Peck Reservations, and the Crow, Fort Belknap, Northern Cheyenne and Rocky Boys Reservations and their Trust Lands

New Mexico
New Mexico Community Development Loan Fund
700 4th Street, SW
P.O. Box 705
Albuquerque, NM 87103-0705
505-243-3196
Fax: 505-243-8803
Email: vgnmcdfl@aol.com
www.nmcdlf.org/
Executive Director: Vangie Gabaldon
Microloan Contact: Rockling Todea
Service Area: Statewide

New York
Brooklyn Economic Development Corporation
175 Remsen Street, Suite 350
Brooklyn, NY 11201
718-522-4600
Fax: 718-797-9286
Email: info@bedc.org or mad@bedc.org
www.bedc.org/
Executive Director: Joan Bartolomeo
Microloan Contact: Hector Rivera
Service Area: The five boroughs of New York City

North Carolina
North Carolina Rural Economic Development Center, Inc.
4021 Carya Dr.
Raleigh, NC 27610
919-250-4314
Fax: 919-250-4325
Email: pblack@mindspring.com
www.ncruralcenter.org/
Executive Director: Billy Ray Hall
Microloan Contact: Phil Black
Service Area: Statewide

Pennsylvania
Women’s Opportunities Resource Center
1930 Chestnut Street, Suite 1600
Philadelphia, PA 19103
215-564-5500
Fax: 215-564-0933
Email: worc-pa@erols.com
www.worc-pa.com/
Executive Director: Lynne Cutler
Microloan Contact: Lynne Cutler
Service Area: Bucks, Montgomery, Philadelphia, Chester, and Delaware counties

Texas
Corpus Christi Chamber of Commerce
1201 N. Shoreline
Corpus Christi, TX 78401
361-881-1850
Fax: 361-882-5627
Email: jestell@theccchamber.org
www.corpuschristichamber.org/
Executive Director: Tom Niskala
Microloan Contact: Jerry Estell
Service Area: Nueces and San Patricio counties

Vermont
Champlain Valley Office of Economic Opportunity, Inc.
431 Pine Street, #2
Burlington, VT 05401
802-860-1417
Fax: 802-860-1387
Email: mbdp@together.net
www.cvoro.org/
Executive Director: Jim White
Microloan Contact: Dale Lane
Service Area: Statewide

Virginia
VA SBDC Business Assistance Network
Division of Virginia Department of Business Assistance
P.O. Box 446
Richmond, VA 23218
804-371-6280
Fax: 804-225-3384
Email: seure@dba.state.va.us
www.dba.state.va.us/smdev/
Executive Director: Vicky Humphreys
Microloan Contact:
Service Area: Through SBDCs, statewide

$1.3 Million To Help Your Business

Need money to fix up your parking lot and do some landscaping around your business? What about updating your machinery and equipment? Need help modernizing your facilities? The Certified Development Company (504) Loan Program is a financing tool for economic development within a community. The 504 Program provides growing businesses with long-term, fixed-rate financing for major fixed assets such as land and building. A Certified Development Company is a nonprofit corporation set up to contribute to the economic development of its community, and works with the SBA and lenders to provide financing to small businesses.

Funds can be used for purchasing land and improvements, including existing building, grading, street improvements, utilities, parking lots and landscaping, construction of new facilities or modernizing, renovating or converting existing facilities or purchasing long-term machinery and equipment. Money cannot be used for working capital or inventory, consolidating or repaying debt or refinancing. You can borrow up to $1.3 million with ten to twenty year fixed rate financing close to prime. You must contribute at least 10% of the project cost. There also may be a requirement that a new job be created for every $50,000 borrowed, but there are exemptions to this requirement. It often takes less than two weeks to learn if you qualify for this loan.

Generally, the project assets being financed are used as collateral. To be eligible, the business must be operated for profit and fall within the size standards. A business qualifies as small if it does not have a tangible net worth of more the $7 million and does not have an average net income in excess of $2.5 million after taxes for the preceding two years. Each Certified Development company work is a specific geographic area. Please look at the list below to learn who you need to contact. You can also learn more on the web at the Small Business Administration’s website at www.sba.gov

Success Stories
The following examples are excerpted from the Small Business Administration (SBA) web site, and the web sites of the lenders mentioned. Contact the SBA (www.sba.gov) for information on lenders in your region.

Creating Jobs is Child’s Play!

In 1989, Sheree Mitchell of Columbus, Georgia, used an SBA 504 loan to construct a child development center. She called it the Growing Room, Inc. – and just like the clients she served, Sheree’s business just kept getting bigger. As the company expanded, of course, so did the workforce.
 
Sheree added 20 employees within her first two years of operation. The children kept coming, and the waiting list grew, so in 1992 Sheree built a $400,000 addition, adding 12 more to her staff. Four years later, a second Growing Room opened in North Columbus in a newly constructed 11,500 square-foot facility, creating 32 additional jobs.

Sheree then took her work to the workplace. She obtained a contract for the Columbus Regional Healthcare Systems' on-site childcare center, adding 15 more employees. Growing Room was also awarded the contract for two on-site childcare centers at the headquarters of Columbus based AFLAC.

Growing Room, Inc., currently employs over 170 people, and will generate almost $4.9 million in revenues this year. Now there are lots of baby steps taken at the Growing Room – all thanks to the big leap Sheree made when she applied to the SBA 504 Loan Program!

One Loan Creates Two Dozen New Jobs!

Several lenders in Hot Springs, Arkansas partnered to provide an SBA 504 Loan Program financing package for a car dealership – and allowed Steve Storey, owner of Resort Ford, to deliver 24 new jobs to the area within two years.

Storey used the 504 loan to expand his dealership’s operations and upgrade its facilities. Now, customers visit a sparkling new showroom, housed in a 30,000 square foot facility. Storey also provides maintenance and repair in the modern facility. The upgrades – and the resulting jobs - have helped the small community stay strong.

Almost One Million Dollars to Move Furniture!

Larry O’Toole is over six feet tall, so when he decided to start a moving business, he knew the name to use: “Gentle Giant.” The year was 1980. Larry borrowed a friend's truck, placed one ad in a small newspaper (at a cost of $17) and launched what is now a local institution. Nearly everyone in Greater Boston is acquainted with Larry’s purple and green "giant" trucks traveling the city streets with the phone # 1-800-GIANT-MEN prominently featured.

In 1997, Larry recognized that the business needed more storage and facilities. After searching for financing to acquire a large building, he decided to work with the Waltham-based Bay Colony Development Corp., an SBA Certified Development Company. In 1998 Bay Colony coordinated a $843,000 SBA 504 loan to complete the $2 million project, and the Gentle Giant found a new home.

"The assistance of the SBA made our dream come true,” Larry said. Since Gentle Giant moved to their new building, revenues have grown from $11 million to $16 million, while the number of employees has grown from 135 to 185. Gentle Giant has increased the size of its fleet from 65 trucks to 95. A great improvement, and all with the help of a giant-sized loan!

Money to Bring Contracts In-house
In 1992, Tom Hauke started McDowell Research Corporation (MRC) in Waco, Texas. The company develops power supply products for military and security forces. For the first ten years, Hauke developed and designed the products, and then contracted with assembly operations to build them.

As demand for the MRC’s products grew, however, Hauke knew he needed to move the assembly process inside his own facility. He obtained an SBA 504 loan to expand his manufacturing facilities and bring the work in-house. The change allowed Hauke to increase his staff and expand his business.

Now, MRC employs over 100 people. The company has increased in annual sales of $4.1 million in 2000 to 2003 sales of over $19 million. The dramatic increase is an indication of how decision such as bringing contracted business inside can increase company profits. This is exactly why the SBA 504 Loan Program is available – to make your company grow!

The 504 Loan Rescues Jobs from a Fire

Indiana-based Electro-Spec is a well-recognized leader in the specialty plating industry. The company makes components used in the electronics, automotive, aerospace, military, and medical industries, and was renowned for its attention to detail and commitment to service. After a disastrous fire, however, it looked like the firm’s strong reputation could not save them. Once they secured a 504 loan, however, they got the equipment up and running and brought 26 employees back to work.

Jean Wojtowicz, president of Indiana Statewide Certified Development Corporation remarked, “When a company is in distress, more than a business is at stake. Families and communities are in peril. The Electro-Spec story is both a practical example and an inspiration. Great things can happen when a bank and two lending programs pull together with a dedicated business owner and other elements in the community.”

Certified Development Companies - A-N

Arizona
Business Development Finance Corporation
Richard Jeffrey, Vice President
2200 E. Camelback, Suite 215
Phoenix, AZ 85016
602-381-6292
Fax: 602-381-8012
Area of Operation: Counties of Cochise, Graham, Greenlee, Pima, Pinal, and Santa Cruz. Cities of Chandler, Mesa, Tempe in Maricopa County.

Southwestern Business Financing Corporation
Robert D. McGee, President
3200 North Central Avenue, 27th Floor
Phoenix AZ 85012
602-495-6495
Fax: 602-230-0945
Area of Operation: Citywide Phoenix

Albama
Alabama Community Development Corporation
117 Southcrest Dr., Suite 100
Homewood, AL 35209
205-942-3360
Fax: 205-942-5984
www.alacom.com
Area of Operation: statewide

Birmingham Citywide Local Development Company
110 12th St., North
Birmingham, AL 35203
205-250-6380
Fax: 205-250-6384
www.bbrconline.com
Area of Operation: statewide

Greater Mobile Development Corporation
1301 Azalea Rd., Suite 201
Mobile, AL 36693
251-650-0826
Fax: 251-650-0827
www.cityofmobile.org
Area of Operation: statewide

Southern Development Council
8132 Old Federal Rd.
Montgomery, AL 36117
334-244-1801
800-499-3034
Fax: 334-244-1421
www.sdcinc.org
Area of Operation: statewide

Alaska
Evergreen Community Development Association
900 Fourth Ave., Suite 2900
Seattle, WA 98201
206-622-3731
800-878-6613
www.ecda.com
Area of Operation: state of Alaska

Arkansas
Arkansas Certified Development Corporation
200 South Commerce
Little Rock, AR 72201
501-374-9247
Area of Operation: Entire state of Arkansas

West Central Arkansas Planning and Development District, Inc.
825 Central Avenue
P.O. Box 1558
Hot Springs, AR 71901
501-624-1036
Area of Operation: Clark, Conway, Garland, Hot Springs, Johnson, Montgomery, Perry Pike, Pope & Yell.

Ark-Tex Regional Development
P.O. Box 5307
Texarkana, TX 75505
903-832-8636
Area of Operation: Miller County

California
California Coastal Rural Development Corporation
Wendy Dodson, SBA 504 Manager
221 Main Street, Suite 301
P.O. Box 479
Salinas, CA 93901
831-424-1099 ext. 222
Fax: 831-424-1094
Email: wendy_dodson@calcoastal.org
Area of Operation: Monterey and Santa Cruz counties

Central Coast Development Corporation
Coast Business Finance
Brian Kearns, Senior Loan Officer
930 S. Broadway, Suite 101
Santa Maria, CA 93454
805-739-1665
Fax: 805-739-9257
Email: ccdc@impulse.net
Area of Operation: Counties of San Luis Obispo, Santa Barbara and Ventura

Fresno Certified Development Corporation
Robert R. Garcia, Executive Director
906 N Street, Suite 100
Fresno, CA 93721
559-485-5735
Fax: 559-485-5302
Email: rgarcia@fresnocdc.com
Area of Operation: Fresno and Kings Counties

Mid State Development Corporation
Keith Brice
4800 Easton Drive, Suite 111
Bakersfield, CA 93309
Mailing address:
P.O. Box 302
Bakersfield, CA 93302
661-322-4241
Fax: 661-322-0536
Email: president@midstatedevelopment.com
Area of Operation: Kern County

Stanislaus County Economic Development Corporation
Susan Martin, Vice President, Fin.
1012 I Street, 2nd Floor
Modesto, CA 95354-0808
209-521-9333
Fax: 209-521-9373
Email: suem@scedco.org
Area of Operation: Stanislaus County

Business Finance Center of Tulare County
Lisa Hollingshead, Director of Financial Services
205 E. San Joaquin Street
Tulare, CA 93274
559-688-6666
Fax: 559-688-6899
Email: lisa@edctulare.com
Area of Operation: Tulare County

Business Finance Center
Raymond K. Sakaida, General Manager
6055 E. Washington Blvd., Suite 414
Commerce, CA 90040
213-278-9600
Fax: 213-278-4898
Area of Operation: Los Angeles County

Enterprise Funding Corporation
Jeffery C. Sceranka
101 E. Redlands Blvd.
Suite 219
Redlands, CA 92373
909-792-3803
Fax: 909-792-3813
Area of Operation: San Bernardino County

Long Beach Area Certified Development Corporation
Regina Grant Peterson, Executive Director
11 Golden Shore, Suite 630
Long Beach, CA 90802
310-983-7450
Fax: 310-983-7453
Area of Operation: Cities of Long Beach, Signal Hill and Southern Los Angeles County

Amador Economic Development Corporation
Ron Mittelbrunn, Executive Director
22 North Highway 49
Jackson, CA 95642
Mailing address:
P.O. Box 1077
Jackson, CA 95642
209-223-0351
Fax: 209-223-2261
Area of Operation: County of Amador

Economic Development Foundation of Sacramento, Inc.
Frank Dinsmore, Executive Director
7509 Madison Avenue, Suite 111
Citrus Heights, CA 95610
916-962-3669
Fax: 916-962-1822
Area of Operation: Counties of El Dorado, Nevada, Placer, Sacramento, San Joaquin, Sierra, Sutter, Yolo and Yuba

Greater Sacramento Certified Development Corporation
Raymond Sebastian, Executive Director
5428 Watt Avenue
Sacramento, CA 95660-4945
916-339-1096
Area of Operation: Sacramento, El Dorado, Placer and Yolo Counties

Tracy/San Joaquian County Certified Development Corporation
Roger Birdsall
1151 W. Robinhood Drive, Suite B-4
Stockton, CA 95207
209-951-0801
Fax: 209-951-0999
http://www.sjcdc.com
Area of Operation: San Joaquin County

La Habra Local Development Company, Inc.
A. Edwards Evans, Executive Director
441 East Whittier Boulevard, Suite C
La Habra, CA 90631
562-690-6400
Fax: 562-690-6300
Area of Operation: Los Angeles and Orange Counties

Southland Economic Development Corporation
James R. Davis, President
2000 E. Fourth Street, Suite 206
Santa Ana, CA 92705
714-647-1143
Fax: 714-953-0944
Area of Operation: Orange and San Bernardino Counties

CDC Small Business Finance Corporation
Kurt Chilcott, President and CEO
925 Fort Stockton Drive
San Diego, CA 92103
619-291-3594
Fax: 619-291-6954
Mailing address:
P.O. Box 882228
San Diego, CA 92108
Area of Operation: Imperial, San Diego, Riverside and Orange Counties

Arcata Economic Development Corporation
Kathleen E. Moxon, Executive Director
100 Ericson Court, Suite 100
Arcata, CA 95521
707-822-4616
Fax: 707-822-8982
Area of Operation: Humboldt and Del Norte Counties

Bay Area Employment Development Company
James Baird, Executive Director
1801 Oakland Boulevard, Suite 300
Walnut Creek, CA 94596
925-926-1020
Fax: 225-926-1021
Area of Operation: San Francisco, San Mateo, Santa Clara, Alameda, Contra Costa, Solani, Napa, Sonoma and Marin Counties

California Statewide Certified Development Corporation
Barbara A. Vohryzek, Executive Director
426 "D" Street
Davis, CA 95616
530-756-9310
800-348-6258
Fax: 530-756-7519
Email: vohryzek@aol.com
Area of Operation: Statewide

Capital Business Group, Inc. dba Capital Access Group
Jacklyn Jordan, President / Kelly McAuliffe, Marketing Director
300 Beale St., Suite 101
San Francisco, CA 94105
415-284-1460
Fax: 415-284-1590
Area of Operation: California counties of Alemeda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano and Sonoma

The Mortgage Capital Development Corporation
Barbara Morrison, President/CEO
611 Front Street
San Francisco, CA 94111
415-989-8855
Fax: 415-989-3382
Area of Operation: California counties of Alameda, Contra, Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano and Sonoma

Economic Development Corporation of Shasta County
Jimce Zanhu, General Manager
410 Hemsted Drive, Suite 220
Redding, CA 96002
530-224-4920
Fax: 530-224-4921
Area of Operation: Shasta, Trinity, Siskiyou and Modoc counties

Los Medanos Fund, A Local Development Company
Tom LaFleur, Executive V.P.
329 Railroad Avenue
Pittsburgh, CA 94565
Mailing address:
P.O. Box 1397
Pittsburgh, CA 94565
510-439-1056
Fax: 510-439-0831
Area of Operation: City of Pittsburg; Alameda, Contra Costra, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano and Sonoma Counties

Colorado
Community Economic Development Company of Colorado Accredited Lender Program
Small Business Finance Corporation
1111 Osage Street, Suite 110
Denver, CO 80204
303- 893-8989
Fax: 303-892-8398
Email: bill@cedco.org
Area of Operation: Statewide

Denver Urban Economic Development Corporation
1905 Sherman Street, Suite 200
Denver, CO 80203
303-861-4100
Fax: 303-861-9456
Email: stephanieg@duedc.org
Area of Operation: Adams, Arapahoe, Boulder, Denver, Douglas, and Jefferson Counties

Front Range Regional Economic Development Corporation
Preferred Certified Lender
Colorado Lending Source Program
7000 North Broadway, Suite 215
Denver, CO 80221
303-657-0010
Fax: 303-657-0140
Email: mike@coloradolendingsource.org
Area of Operations: Adams, Arapahoe, Boulder, Denver, Douglas, Jefferson, Larimer, Morgan, and Weld Counties

Pikes Peak Regional Development Corporation
228 North Cascade Avenue, Suite 208
Colorado Springs, CO 80903
719-471-2044
Fax: 719-471-2042
Email: doug@pprdc.com
Area of Operations: El Paso County

SCEDD Development Company
1104 North Main
Pueblo, CO 81003
719-545-8680
Fax: 719-545-9908
Email: tomkins.scedd@worldnet.att.net
Area of Operations: Alamosa, Archuleta, Baca, Bent, Chaffee, Conejos, Costilla, Crowley, Custer, Dolores, Fremont, Huerfano, Kiowa, Lake, LaPlata, Las Animas, Mineral, Montezuma, Otero, Prowers, Pueblo, RioGrande, Saguache, San Juan Counties

Associate Development Company (ADC)
Economic Development District of Southwest Colorado
295A Girard Street
Durango, CO 81301
970-247-9621
Fax: 970-247-9513
Email: region9edd@frontier.net
Area of Operation: Archuleta, Dolores, La Plata, Montezuma, and San Juan Counties
Associated with SCEDD Development Company, Pueblo, Colorado

Connecticut
Commercial Loan Partners, INC
20 Tower Lane
Avon, CT 06001
860-667-1004
Fax: 860-667-1047
www.commercialloanpartners.com
Service Area: New Haven, Hartford, Middlesex, New London, Tolland, and Windham Counties

Connecticut Business Development Corporation
999 West Street
Rocky Hill, CT 06067
860-258-7855
Fax: 860-257-7582
Service Area: Statewide

Connecticut Community Investment Corporation, LDC
100 Crown Street
New Haven, CT 06510
203-776-6172, ext. 25
Fax: 203-776-6837
www.ctcic.org
Service Area: Hartford, Middlesex, New Haven, New London, Tolland, and Windham Counties

Housatonic Industrial Development Corporation
57 North Street, Suite 407
Danbury, CT 06810
203-743-0306
Fax: 203-744-0915
Service Area: Fairfield, Hartford (West of Conn. River), Litchfield, Middlesex, (West of Conn River) and New Haven Counties

Delaware
Wilmington Economic Development Corporation (WEDCO)
Constance C. McCarthy, Executive Director
605-A Market Street Mall
Wilmington, DE 19801
302-571-9093
Fax: 302-652-5679
Area of Operation: New Castle County only.

Mid-Atlantic Business Finance Company
Paula Klepper, President
Two Hopkins Plaza, Suite 901
Baltimore MD 21201-2911
410-539-2449
Fax: 410-539-7110
Area of Operation: Kent and Sussex Counties only.

District of Columbia
Community First, Inc.
Tim Walter, President
One Dupont Circle, NW, Suite 700
Washington, DC 20037-7121
202-265-4569
Fax: 202-265-4598
Area Of Operation: Washington, D.C.

Virginia Asset Financing Service Corporation
Sally Robertson, Executive Director
703-352-0504
4165 Chain Bridge Road
Fairfax VA 22030
800-305-0504
Fax: 703-352-9100
Area Of Operation: State of Virginia except for those counties covered by other Virginia CDCs.

Prince George's County Financial Services Corporation
Shelly Gross-Wade, Executive Director
4640 Forbes Blvd., Suite 200
Lanham, MD 20706
301-429-3044
Fax: 301-429-8762
Area Of Operation: Prince George's County

Mid-Atlantic Certified Development Company
Paula Klepper, President
1410 North Crain Highway, Suites 5B
Glen Burnie MD 21061
800-730-0017
Fax: 410-863-7446
Area Of Operation: State of Maryland

Florida
Alabama Community Development Corporation
117 Southcrest Drive, Suite 100
Birmingham, AL 35209
800-239-5909
205-870-3360
Fax: 205 - 942 - 5984
www.alalcom.com
Area of Operation: Bay, Calhoun, Escambia, Franklin, Gadsden, Gulf, Holmes, Jackson, Leon, Liberty, Okaloosa, Santa Rosa, Wakulla, Walton and Washington Counties

Business Development Corporation of Northeast FL
9143 Phillips Highway, Suite 350
Jacksonville, FL 32256
904-363-6350
Fax: 904 - 363 - 6356
Area of Operation: Baker, Clay, Flagler, Lake, Nassau, St. Johns, Seminole, Putnam and Volusia Counties

Business Development Corporation
6801 Lake Worth Road, Suite 209
Lake Worth, FL 33467
561-433-0233
Fax: 561-433-8545
or
780 NW LeJune Rd., Suite 520
Miami, FL 33126
305-567-2646
Fax: 305-567-0735
Area of Operation: Brevard, Broward, Charlotte, Collier, Dade, Indian River, Lee, Manatee, Martin, Orange, Osceola, Palm Beach, Polk, St. Lucie and Sarasota Counties

Florida First Capital Finance Corporation, Inc.
P.O. Box 4166
Tallahassee, FL 32315 – 4166
850-681-3601
Fax: 850-681-3699
www.ffcfc.com
Area of Operation: Baker, Bay, Bradford, Brevard, Broward, Calhoun, Charlotte, Clay, Citrus, Collier, Columbia, DeSoto, Escambia, Franklin, Gadsden, Glades, Gilchrist, Gulf, Hamilton, Hardee, Hendry, Hernando, Highland, Holmes, Indian River, Jackson, Jefferson, Lafayette, Lake, Lee, Leon, Levy, Liberty, Madison, Manatee, Marion, Martin, Monroe, Nassau, Okaloosa, Okeechobee, Orange, Osceola, Palm Beach, Polk, Pasco, St. Lucie, Santa Rosa, Sarasota, Seminole, Sumter, Suwannee, Taylor, Union, Volusia, Wakulla, Walton, and Washington Counties

Jacksonville Economic Development Company, Inc. (JEDCO)
1300 Riverplace Blvd., Suite 105
Jacksonville, FL 32207
904-398-9411
Fax: 904-398-4995
www.jedco.net
Area of Operation: Duval County

North Central Florida Areawide Development Co., Inc.
2009 Northwest 67th Place, Suite A
Gainesville, FL 32653 – 1603
352-955-2199 ext. 107
Fax: 352-955-2209
Area of Operation: Alachua, Bradford, Columbia, Dixie, Gilchrist, Hamilton, Lafayette, Levy, Madison, Marion, Suwannee, Taylor and Union Counties

Southern Development Council
8132 Old Federal Road
Montgomery, AL 36116
334-244-1801
Fax: 334-244-1421
Area of Operation: Bay, Calhoun, Escambia, Franklin, Gadsden, Gulf, Holmes, Jackson, Leon, Liberty, Okaloosa, Santa Rosa, Wakulla, Walton and Washington Counties

Florida First Capital Finance Corporation, Inc.
1351 North Gadsden Street
Tallahassee, FL 32301
850-681-3601
Fax: 850-681-3699
Area of Operation: Bay, Brevard, Broward, Calhoun, Charlotte, Citrus, Collier, DeSoto, Escambia, Franklin, Gadsden, Glades, Gulf, Hardee, Hendry, Hernando, Highlands, Hillsborough, Holmes, Indian River, Jackson, Jefferson, Lake, Lee, Leon, Levy, Liberty, Manatee, Marion, Martin, Monroe, Okaloosa, Okeechobee, Orange, Oceola, Palm Beach, Pasco, Polk, Santa Rosa, Sarasota, Seminole, Saint Lucie, Sumter, Wakulla, Walton, Washington and Volusia Counties

St. Petersburg Certified Development Corporation
dba Gulf Coast CDC
227 Second Avenue North
St. Petersburg, FL 33731
727-895 - 2504
Fax: 727-822 - 2504
Area of Operation: Manatee, Pasco, Pinellas and Sarasota Counties

Southwest Florida Regional Development Corporation
4980 Bayline Drive, 4th Floor
North Fort Myers, FL 33917
941-656-7726
Fax: 941-656-7724
Area of Operation: Charlotte, Collier, DeSoto, Glades, Hardee, Hendry, Lee, Polk and Sarasota Counties

Tampa-Bay Economic Development Corporation
2105 North Nebraska Avenue
Tampa, FL 33602
813-274-7971
Fax: 813-274-7551
Area of Operation: Hillsborough County

Georgia
The Business Growth Corporation of Georgia
1450 S. Johnson Ferry Road
Atlanta, GA 30319
404-475-6002
Fax: 404-475-6016

Coastal Area District Development Authority
501 Gloucester Street, Suite 201
Brunswick, GA 31520
912-261-2500
Fax: 912-261-0032
or
#1 Bull Street, Suite 301
Savannah, GA 31401
912-236-9566
Fax: 912-236-9562

CSRA Local Development Corporation
3023 Riverwatch Parkway
Suite A
Augusta, GA 30907-2016
706-210-2010
Fax: 706-210-2006

Economic Devel. Corp. Of Fulton County
141 Pryor St., Suite 5001
Atlanta, GA 30303
404-836-7731 Fulton county only
Fax: 404-836-7712

Uptown Columbus, Inc.
P.O. Box 1237
Columbus, GA 31902
706-596-0111
Fax: 706-596-0012

North Georgia Certified Development Corporation
503 West Waugh St.
Dalton, GA 30720
706-272-2300
Fax: 703-272-2253

Georgia Mountains Regional Economic Development Corporation
460 Enota Dr.
Gainsville, GA 30503
770-536-7839
Fax: 770-536-9026

Development Corporation of Middle Georgia
175 C Emery Hwy.
Macon, GA 31201
478-751 6160
Fax: 478-751-6517

Small Business Assistance Corp.
111 E. Liberty St., Suite 100
Savannah, GA 31401
912-232 4700
Fax: 912-232-0385

South Georgia Regional Development Corporation
327 West Savannah Ave.
P.O. Box 1223
Valdosta, GA 31601
229-333 5281
Fax: 229-333-5312

Georgia Certified Development Corporation
3353 Peachtree Road, NE, Suite 1155
Atlanta, GA 30326
404-442-2480
Fax: 404-442-2481

Hawaii
HEDCO Local Development Corporation
222 South Vineyard Street
Penthouse – 1
Honolulu HI 96813-2445
808-521-6502
Fax: 808-521-6541
Area of Operation: Statewide and American Samoa

Lokahi Pacific Rural Development, Inc.
Jo-Ann Ridao, Managing Director
1935 Main Street
Wailuku, HI 96793
808-244-2200
Fax: 808-244-2057
Area of Operation: Counties of Maui and Hawaii

Idaho
Capital Matrix, Inc.
1471 Shoreline Drive, Suite 123
Boise ID 83702
208-383-3473
Fax: 208-383-9404
Email: Capmatrx@Capitalmatrix.com
Area of Operation: Idaho Counties of Ada, Adams, Boise, Canyon, Elmore, Gem, Owyhee, Payette, Valley and Washington; Oregon Counties of Harney and Malheur

East-Central Idaho Development Company
310 N. 2nd E., Suite 115
Rexburg ID 83440
208-356-4524
Fax: 208-356-4544
Email: david.ogden@ecipda.org
www.ecidc.org
Area of Operation: Bonneville, Butte, Clark, Custer, Fremont, Jefferson, Lemi, Madison and Tenton Counties

Eastern Idaho Development Corporation
1651 Alvin Ricken Drive
Pocatello ID 83201
208-234-7541
Fax: 208-282-4813
Email: coxpaul@isu.edu
Area of Operation: Bannock, Power, Bear Lake, Bingham, Caribou, Franklin and Oneida Counties

Region IV Development Corporation, Inc.
315 Falls Avenue
P.O. Box 5079
Twin Falls, ID 83303
208-732-5730
Fax: 208-732-5454
Email: Rparrish@cdi.edu
www.rivdco.org
Area of Operation: Blaine, Camas, Cassia, Gooding, Jerome, Lincoln, Minidoka and Twin Falls Counties

Panhandle Area Council, Inc.
11100 Airport Drive
Hayden ID 83835
208-772-0584
Fax: 208-772-6196
Area of Operation: 5 Northern Counties of Idaho - Benewah, Bonner, Boundary, Kootenai and Shoshone

Greater Eastern Oregon Development Corporation
P.O. Box 1041
Pendleton, OR 97801
541-276-6745
Fax: 541-276-6071
Email: gmdavis@OregonVOS.net
Area of Operation: Gilliam, Grant, Morrow, Umatilla, Wheeler, Union, Baker and Wallowa Counties

Oregon Certified Business Development Corporation
2363 SW Glacier Place
Redmond OR 97756-8120
541-548-8163
Fax: 541-923-3416
Email: mackinnon@coic.org
Area of Operation: Crook, Deschutes, Harney, Jefferson, Klamath, Lake and Malheur Counties

Illinois
Illinois Business Financial Services
124 Southwest Adams Street, Suite 300
Peoria IL 61602
309-676-0755
Fax: 309-676-7534
Area of Operation: Citywide in Peoria; Counties of Peoria, Tazewell and Woodford

Illinois Small Business Growth Corporation
2921 Greenbriar Drive, Suite C
Springfield, IL 62704
217-787-7557
Fax: 217-787-2872
Area of Operation: Statewide

Rockford Local Development Corporation
515 North Court Street
Rockford IL 61103
815-987-8127
Fax: 815-987-8122
Area of Operation: City of Rockford

Somercor 504, Inc.
2 East 8th Street, Suite 200
Chicago IL 60605
312-360-3163
Fax: 312-360-9177
Area of Operation: Cook Dupage, Lane Kane, McHenry and Will Counties

South Central Illinois Regional Planning & Development Comm.
120 Delmar Avenue, Suite A
Salem IL 62881-2006
618-548-4234
Fax: 618-548-4236
Area of Operation: Counties of Effingham, Fayette and Marion; also Cities of Centralia and Wamac

CenterPoint 504, Inc.
Governors State University
University Park IL 60466
708-534-4924
Fax: 708-534-8457
Area of Operation: South Suburban Cook and Eastern Will Counties

Indiana
Business Development Corporation
Kate McCahill/Don Inks
1200 County-City Building
South Bend IN 46601
574-235-9278
Fax: 574-235-9021
Area of Operation: St. Joseph County

Community Development Corporation
Matt Blair
840 City-County Building
Fort Wayne IN 46802
260-427-1127
Fax: 260-427-1375
www.fortwayne-ed.org/business_loans.htm
Area of Operation: Allen County

Indiana Statewide Certified Development Corporation
Jean Wojtowicz, President
4181 East 96th Street, Suite 200
Indianapolis IN 46240
317-844-9810
Fax: 317-844-9815
Area of Operation: Statewide
 
Premier Capital Corporation
David W. Amick, Executive Director
151 N. Delaware, Suite 750
Indianapolis, IN 46204
317-974-0504
Fax: 317-974-0510
www.premiercapitalcorp.com
Area of Operation: Counties of Boone, Hancock, Hendricks, Johnson, Marion, Morgan and Shelby

Northwest Indiana Regional Development Corporation
Dennis M. Henson, President
6100 Southport Road
Portage IN 46368
219-763-6303
Fax: 219-763-2653
www.nwirdc.org
Area of Operation: Jasper, Lake LaPorte, Newton, Porter, Pulaski and Starke Counties

Iowa
Black Hawk Economic Development, Inc.
Stephen A. Brustkern, Executive Director
304 South Street
Waterloo IA 50704
319-235-2960
Fax: 319-235-9171
Area of Operation: Allamakee, Blackhawk, Bremer, Butler, Buchanan, Chickasaw, Clayton, Grundy, Howard and Winneshiek Counties

Corporation for Economic Development in Des Moine
Mike Ryan, Development Financing Coordinator
400 East First Street
Des Moines, IA 50309
515-283-4017
Fax: 515-237-1667
Area of Operation: Citywide Des Moines

Iowa Business Growth Company
Dan Robeson, Executive Director
7043 Vista Drive
West Des Moines, IA 50266
515-223-4511
Fax: 515-223-5017

E. Iowa Branch: Jerry Trudo, Branch Manager
805 Wright Brothers Blvd. SW
Cedar Rapids, Iowa 52404-9070
319-632-4242
Fax: 319-632-4241
Area of Operation: Statewide

Siouxland Economic Development Corporation
Ken Beekley, Executive Director
428 Insurance Centre
507 7th Street
Sioux City, IA 51101
712-279-6286
Fax: 712-279-6920
Area of Operation: Woodbury, Plymouth, Cherokee, Ida, Monona and Sioux Counties in Iowa; Dakota County in Nebraska; Union and Clay Counties in South Dakota

E.C.I.A. Business Growth, Inc.
Jerry Schroeder, Economic Development Planner
330 Nesler Center, Suite 330
Dubuque IA 52001
563-556-4166
Fax: 563-556-0348
Area of Operation: Cedar, Clinton, Delaware, Dubuque and Jackson Counties as well as the Cities located therein

Kansas
Avenue Area, Inc.
Tom Overby, Executive Director
753 State Avenue, Suite 106
Kansas City, KS 66101
913-371-0065
Fax: 913-321-1019
County served: Wyandotte

Citywide Development Corporation of Kansas City, Kansas
701 North 7th Street, Room 421
Kansas City, KS 66101
913-573-5733
Fax: 913-573-5745
Serves: City of Kansas City

Eastern Kansas Economic Development Group
Wayne Symmonds, Executive Director
702 Commercial, Suite 3A
Emporia, KS 66801
785-776-0417
Fax: 785-776-7204
Counties served: Atchison, Chase, Clay, Coffey, Franklin, Geary, Jackson, Lyon, Marshall, Morris, Nemaha, Osage, Pottawatomie, Riley, Wabaunsee

Four Rivers Development, Inc. (ADC)
Debra J. Peters, Manager
P.O. Box 265
Beloit, KS 67420
785-738-2185
Fax: 785-738-2185
Email: dpeters@nckcn.com
www.ckcn.com/ComEcon/fordi.htm
Counties served: Cloud, Dickinson, Ellsworth, Jewell, Lincoln, Mitchell, Ottawa, Republic, Saline, Washington

Great Plains Development, Inc.
Patty Richardson, Executive Director
100 Military Plaza, Suite 128
P.O. Box 1116
Dodge City, KS 67801-1116
316-227-6406
Fax: 316-225-6051
Counties served: Barber, Barton, Clark, Comanche, Edwards, Finney, Ford, Grant, Gray, Greeley, Hamilton, Haskell, Hodgeman, Kearney, Kiowa, Lane, Meade, Morton, Ness, Pawnee, Pratt, Rush, Scott, Stafford, Seward, Stanton, Stevens, Wichita

Johnson County Certified Development Company
David Long, Executive Director
11111 West 95th Street, Suite 214
Overland Park, KS 66214
913-599-1717
Fax: 913-599-6430
County served: Johnson

McPherson County Small Business Development Association
David A. O’Dell, Executive Director
212 E. Euclid
McPherson KS 67460
620-241-3927
Fax: 620-241-3927
Email: sbda@mpks.net
County served: McPherson

Mid-America, Inc.
Bruce Fairbank, Executive Director
1501 S. Joplin
Pittsburg, KS 66762
316-235-4920
Fax: 316-235-4919
Counties served: Allen, Anderson, Bourbon, Cherokee, Crawford, Labette, Linn, Miami, Montgomery, Neosho, Wilson, Woodson

MoKan Development, Inc.
Director of Economic Development
1302 Faraon
St. Joseph, MO 64501
816-233-3144
Fax: 816-233-8498
Counties served: Atchison, Brown, Doniphan, Jackson, Jefferson, Nemaha

Pioneer Country Development, Inc.
Randy Hrabe, Executive Director
319 North Pomeroy
P.O. Box 248
Hill City, KS 67642-0248
785-625-6116
Fax: 785-628-0533
Counties served: Cheyenne, Decatur, Ellis, Gove, Graham, Logan, Norton, Osborne, Phillips, Rawlins, Rooks, Russell, Sheridan, Sherman, Smith, Thomas, Trego, Wallace

South Central Kansas Economic Development District
Bill Bolin, Executive Director
209 E. William, Suite 300
Wichita, KS 67202
316-262-7035
Fax: 316-262-7062
Counties served: Butler, Chautauqua, Cowley, Elk, Greenwood, Harper, Harvey, Kingman, Marion, McPherson, Rice, Reno, Sedgwick, Sumner

Wakarusa Valley Development, Inc.
Mike O'Donnell, Executive Director
203 Lyon Street
P.O. Box 586
Lawrence, KS 66044-0367
785-865-4425
Fax: 785-865-4400
County served: Douglas

Kentucky
Commonwealth Small Business Development Corporation
111 St. James Court, Suite 504
Frankfort KY 40601
502-696-9444
Fax: 502-696-9493
Area of Operation: Statewide

Capital Access Corporation - Kentucky
120 Webster Street, Suite 330
Louisville, KY 40206
502-584-2175
Fax: 502-584-2173
Email: billfensterer@yahoo.com
Area of Operation: Jefferson, Oldham, Scott, Hardin, Bullitt, Nelson, Daviess, Estill, Henderson, Meade, Pendleton, Pulaski, Shelby, Spencer and Warren Counties

Community Ventures Corporation
1450 N. Broadway
Lexington, KY 40505
859-231-0054
Fax: 859-231-0261
Area of Operation: Bourbon, Boyle, Clark, Fayette, Jessamine, Kenton, Madison, Taylor, & Woodford Counties

Purchase Area Development District
1002 Medical Drive
Mayfield KY 42066
502-247-7171
Fax: 502-247-9000
Area of Operation: Ballard, Calloway, Carlisle, Fulton, Graves, Hickman, Marshall and McCracken Counties
a specific region.

Louisiana
Ark-La-Tex Investment & Development Corporation
5210 Hollywood Avenue
Shreveport LA 71109
MAILING ADDRESS:
P.O. Box 37005
Shreveport LA 71109
318-632-2022
Fax: 318-632-2099
Area Of Operation: Parishes of Bienville, Bossier, Caddo, Claiborne, DeSoto, Lincoln, Natchitoches, Red River, Sabine and Webster

JEDCO Development Corporation
3445 North Causeway Boulevard, Suite 300
Metairie LA 70002
504-833-1881
Fax: 504-833-7676
Area Of Operation: Jefferson Parish

Kisatchie-Delta Regional Planning & Development District, Inc.
1611 Arnold Drive, First Floor
Alexandria, LA 71303
318-487-5454
Fax: 318-487-5451
Area Of Operation: Parishes of Avoyelles, Catahoula, Concordia, Grant, La Salle, Rapides, Vernon and Winn

Louisiana Capital Certified Development Company, Inc.
302 La Rue France, Suite 200
Lafayette, LA 70508
MAILING ADDRESS:
302 La Rue France, Suite 200
Lafayette, LA 70508
337-234-2977
Fax: 337-234-5535
Area Of Operation: Parishes of Acadia, Calcasieu, Evangeline, Iberia, Lafayette, St. Landry, St. Martin, St. Mary and Vermilion

New Orleans Regional Business Development Loan Corporation
650 Poydras, Suite 1220
New Orleans LA 70130
504-524-6172
Fax: 504-524-0002
Area Of Operation: Parishes of Assumption, Jefferson, Laforuche, Orleans, Plaquemines, St. Benard, St. Charles, St. James, St. John the Baptist, St. Tammany, Tangipahoa, Terrebonne and Washington

Northeast Louisiana Capital, Inc.
1900 North 18th Street, Suite 304
Monroe LA 71201
318-323-0878
Fax: 318-387-8529
Area Of Operation: Ouachita, Union, Morehouse, Richland, Caldwell, Jackson, Franklin, Tensas, East Carroll, West Carroll and Madison Parishes

Maine
Androscoggin Valley Council of Governments
Robert J. Thompson
125 Manley Road
Auburn ME 04210
207-783-9186
Fax: 207-783-5211
Area of Operation: Androscoggin, Franklin and Oxford Counties

Coastal Enterprises, Inc.
Ronald L. Phillips, President
Water Street
P.O. Box 268
Wiscasset ME 04578
207-882-7552
Fax: 207-882-7308
Area of Operation: Cumberland, Knox, Lincoln, Sagadahoc and York Counties

Eastern Maine Development Corporation
Victoria Lundgren, Loan Officer
One Cumberland Place, Suite 300
P.O. Box 2579
Bangor ME 04401
207-942-6389
Fax: 207-942-3548
Area of Operation: Hancock, Kennebec, Knox, Penobscot, Piscataquis, Somerset, Waldo and Washington Counties

Maryland
Chesapeake Business Finance Corporation
John Sower, President
4606 Wedgewood Boulevard
Frederick, MD 21603
301-668-1844
Fax: 301-668-1845
Area of Operation: Garrett, Allegany, Charles, Talbot, Dorchester, Cecil, St. Mary's, Washington, Montgomery, Wicomico, Prince George, Carroll, Frederick, Baltimore Counties and the City of Baltimore.

Mid-Atlantic Certified Development Company
Paula Klepper, President
1410 N. Crain Highway, Suite 5B
Glen Burnie, MD 21061
410-863-1600
Fax: 410-863-7446
www.mabfc.com
Area of Operation: Statewide

Prince George's County Financial Services Corporation
1400 McCormick Drive, Suite 240
Largo, MD 20774
301-883-6900
Fax: 301-883-6160
www.pgfsc.com
Area of Operation: Prince George's County

Massachusetts
Bay Colony Development Corporation
David King, Managing Trustee
1601 Trapelo Road, Suite 222
Waltham MA 02451
781-891-3594
Fax: 781-647-4950
Area of Operation: Statewide- except Dukes and Nantucket Counties

Massachusetts Certified Development Corporation
Elizabeth C.Trifone, Vice President
50 Milk Street
Boston MA 02109
617-350-8877
Fax: 617-350-0052
Area of Operation: Statewide

North Central Massachusetts Certified Development Corporation
David McKeehan, President
110 Erdman Way
Leominster MA 01453
978-840-4300
Fax: 978-840-4896
Area of Operation: Cities and towns in the Northern Worcester County and the Western Middlesex County

South Eastern Economic Development Corporation
Maria Gooch, Executive Director
88 Broadway
Taunton MA 02780
508-822-1020
Fax: 508-880-7869
Area of Operation: Counties of Barnstable, Bristol, Dukes, Nantucket and Plymouth

South Shore Economic Development Corporation
Patricia Faiella
36 Miller Stile Road
Quincy MA 02169
617-479-1111
Fax: 617-479-9274
Area of Operation: Plymouth and Norfolk Counties

Worcester Business Development Corporation
William E. Purcell, Vice President
33 Waldo Street
Worcester MA 01608
508-753-2924
Fax: 508-754-8560
Area of Operation: Worcester County

Michigan
Economic Development Foundation-Certified
1345 Monroe, NW, Suite 132
Grand Rapids, MI 49505
616-458-5416
Area of Operation: Antrim, Barry, Benzie, Charlevoix, Emmet, Grand Traverse, Kalkaska, Kent, Leelanau, Manistee, Mason, Missaukee, Muskegon, Oceana, and Wexford Counties.

Growth Finance Corporation
19498 M-49
PO Box 501
Howard City, MI 49239-0501
231-937-7429
Area of Operation: Allegan, Ionia, Kent, Lake, Mason, Mecosta, Montcalm, Newaygo, Oceana, Osceola, and Wexford Counties.

Lakeshore 504
272 East 8th Street
PO Box 1888
Holland, MI 49422-1888
269-392-2389
Area of Operation: Allegan, Berrien, Cass, Kalamazoo, Muskegon, Oceana, Ottawa, St. Joseph, and Van Buren Counties.

Metropolitan Growth and Development Corporation
600 Randolph Street, 3rd Floor
Detroit, MI 48226
313-224-0820
Area of Operation: Wayne and Macomb Counties.

Michigan Certified Development Corporation
822 Centennial Way, Suite 180
Lansing, MI 48917
517-886-6612
Area of Operation: State of Michigan.

Oakland County Business Finance Corporation
1200 N. Telegraph
Executive Office Building
Pontiac, MI 48341
248-858-0879
Area of Operation: Oakland County.

SEM Resource Capital
17177 N. Laurel Park Drive, Suite 360
Livonia, MI 48152
734-464-4418
Area of Operation: Genesee, Livingston, Macomb, Monroe, Washtenaw, and Wayne Counties.

Minnesota
Central Minnesota Development Company
Connie M. Nelson, Executive Director
277 Coon Rapids Boulevard, Suite 212
Coon Rapids, MN 55433
763-784-3337
Fax: 763-784-3338
Area of Operation: Anoka County

Minneapolis Economic Development Company
Michelle Mueller
105 5th Avenue, South, Suite 200
Minneapolis, MN 55401
612-673-5070
Fax: 612-673-5111
www.mcda.org
Area of Operation: Hennepin County

Minnesota Business Finance Corporation
Alexandra Blum, President and CEO
616 Roosevelt Road, Suite 200
St. Cloud MN 56301
320-255-1685
Fax: 320-255-1815
www.mbfc.org
Area of Operation: Statewide

Prairieland Economic Development Corporation
Steve M. Ousek, Director
1 Prairie Drive
507-836-6656
Slayton MN 56172-1142
Fax: 507-836-6309
www.prairielandedc.com
Mailing Address:
P.O. Box 265
Slayton MN 56172
Area of Operation: Big Stone, Chippewa, Cottonwood, Jackson, Lac Qui Parle, Lincoln, Lyon, Murray, Nobles, Pipestone, Redwood, Rock, Swift and Yellow Medicine Counties

South Central Business Finance Economic Development Corp.
Jim Snackenberg, Econ. Dev. Planner
209 South Second St., Suite 311
Mankato MN 56002
507-625-6056
Fax: 507-625-6173
Mailing Address:
P.O. Box 666
Mankato MN 56002-0666
Area of Operation: Blue Earth, Brown, Faribault, Le Sueur, Martin, Nicollet, Sibley, Waseca and Watonwan Counties

Saint Paul/Metro East Development Corporation
Kristin Wood, Executive Director
2459 - 15th Street NW, Suite A
New Brighton MN 55112
651-631-4900
Fax: 651-631-9498
www.spedco.com
Area of Operation: Counties of Dakota, Ramsey and Washington

Southeastern Minnesota 504 Development, Inc.
Dwayne Lee, Director, Business Development
220 South Broadway, Suite 100
Rochester MN 55904
507-288-6442
Fax: 507-282-8960
Area of Operation: Counties of Dodge, Fillmore, Freeborn, Goodhue, Hosuton, Mower, Olmsted, Rice, Wabasha, Winona and City of Blooming Prairie

Twin Cities-Metro Certified Development Company
Robert Heck, President
4105 Lexington Ave North
Suite 170 Arden Woods
Arden Hills MN 55126-6181
651-481-8081
Fax: 651-481-8280
Area of Operation: Counties of Carver, Dakota, Hennepin, Ramsey, Scott and Washington

Mississippi
Central Mississippi Development Company, Inc.
Thelman L. Anderson, Executive Director
P.O. Box 4935
1170 Lakeland Drive
Jackson, MS 39296-4935
601-981-1625
Fax: 601-981-1515

Three Rivers Local Development Company, Inc.
Vernon R. Kelley, Executive Director
P.O. Drawer B
75 South Main Street
Pontotoc, MS 38863
662-489-2435
Fax: 662-489-6815

Southern Development Council, Inc.
Tamara Y. Lee, Executive Director
Leon Darby, Loan Officer
800-499-3034
8132 Old Federal Road
Montgomery, AL 36117
334-244-1801
Fax: 334-244-1421
 
ALACOM Finance (Alabama Community Development Corporation)
Diane Roehrig, President
117 Southcrest Drive, Suite 100
Homewood, AL 35209
205-870-3360
Fax: 205-942-5984

Missouri
Clay/Platte County Development Corporation
Gary R. Moore, Executive Director
8320 North Oak Trafficway, Suite 265
Kansas City, MO 64118
816-468-4989
Fax: 816-468-7778
Area of Operation: Clay and Platte County

EDC Loan Corporation
Kathleen Barney, Loan Manager
10 Petticoat Lane, Suite 250
Kansas City, MO 64106
816-221-0636
Fax: 816-221-0189
Area of Operation: Kansas City

Green Hills Rural Development, Inc.
Michael R. Johns
909 Main Street
Trenton, MO 64683
816-359-5086
Area of Operation: Counties of Caldwell, Daviess, Grundy, Harrison, Linn, Livingston, Mercer, Putnam, Sullivan, Chariton and Carroll

Meramec Regional Development Corporation
Mary Elder, Business Development Specialist
#4 Industrial Drive
St. James, MO 65559
573-265-2993
Area of Operation: Phelps, Dent, Crawford, Washington, Gasconade and Maries Counties

Mo-Kan Development, Inc.
Maurice Owen, Director of Ec. Dev.
1302 Faraon Street
St. Joseph, MO 64501
816-233-3144
Fax: 816-233-8498
Area of Operation: Missouri Counties of Andrew, Buchanan,Clinton and Dekalb; Kansas Counties of Atchison, Brown, Doniphan, Jackson, Jefferson, and Nemaha

Business Finance Corporation of St. Louis County
Richard M. Palank, Executive Director
121 South Meramec, Suite 412
Clayton, MO 63105
314-889-7663
Fax: 314-889-7666
Area of Operation: St. Louis County and Jefferson County

Central Ozarks Development, Inc.
James Dickerson, Executive Director
115 West Hwy 54
P.O. Box 786
Camdenton, MO 65020
573-346-5692
Fax: 573-346-2007
Area of Operation: Camden, Laclede, Pulaski, Miller and Morgan Counties

Economic Development Corporation of Jefferson County, MO
Patrick Lamping, Executive Director
5217 Highway B
P.O. Box 623
Hillsboro, MO 63050
314-797-5336
Fax: 314-789-4594
Area of Operation: Jefferson County

Enterprise Development Corporation
Michael Crist, Executive Director
910 East Broadway, Suite A
Columbia, MO 65201
573-875-8117
Fax: 573-443-2319
Area of Operation: Audrain, Boone, Callaway, Cole, Howard, Montgomery and Randolph Counties

Rural Missouri, Inc.
Ken Lueckenotte, Director
1014 Northeast Drive
Jefferson City, MO 65109
573-635-0136
Fax: 573-635-5636
Area of Operation: Statewide

St. Charles County Economic Development Corporation
Gregory Presteman, Executive Director
5988 Mid Rivers Mall Drive
St. Charles, MO 63304
314-441-6880
Fax: 314-441-6881
Area of Operation: Counties of Franklin, Lincoln, St. Charles and Warren

St. Louis Local Development Company (The)
1015 Locust, Suite 1200
St. Louis, MO 63101
314-622-3400
Fax: 314-622-3413
Area of Operation: St. Louis

Montana
Economic Development Corporation of Yellowstone County
Jeff Leuthold
TW I, #109
404 N. 31st
Billings, MT 59101
406-245-0415
Fax: 208-330-4264
Area of Operation: statewide

Montana Community Finance Corporation
Karen Howard, Executive Director
7 West 6th Avenue
Helena, MT 59624
406-443-3261
Fax: 406-449-5678

Nebraska
Nebraska Economic Development Corporation
Alan Eastman
1033 O Street, Suite 548
Lincoln NE 68508
402-475-2795
Fax: 402-475-2849
Area of Operation: statewide

Nevada
Nevada State Development Corporation
Roberta Bennett, President
6572 South McCarran Blvd.
Reno, NV 89509
775-826-6172
800-726-2494
Fax: 775-826-6398
Area of Operation: Statewide

New Ventures Capital Development Company
Earnest Fountain, Vice President
626 South 9th Street
Las Vegas NV 89101
702-382-9522
Fax: 702-382-0375
Area of Operation: Clark County

Southern Nevada Certified Development Corporation
Thomas J. Gutherie, President/CEO
2770 South Maryland Parkway, Suite 216
Las Vegas NV 89109
702-732-3998
Area of Operation: Mineral, Esmeralda, Nye, Lincoln, Lyon, Douglas, White Pine and Clark Counties

New Hampshire
Capital Regional Development Council
Niel Cannon, Executive Director
1 South Street
Concord NH 03301
603-228-1872
Fax: 603-226-3588
Mailing Address:
P.O. Box 664
Concord NH 03301
Area of Operation: Belknap, Grafton, Merrimack and Sullivan Counties

Granite State Economic Development Corporation
Alan Abraham, President
1 Cate Street, 5th Floor
Portsmouth NH 03801
603-623-7383
Fax: 603-623-6723
Mailing Address:
P.O. Box 1491
Portsmouth, NH 03801
Area of Operation: Statewide

Northern Community Investment Corporation
Paul Denton, President
20 Main Street
St. Johnsbury VT 05819
802-748-1501
Fax: 802-748-1884
Mailing Address:
P.O. Box 396
St. Johnsbury, VT 05819
Area of Operation: Carroll, Coos, and Grafton Counties

New Jersey
New Jersey Business Finance Corp.
Ira Lutsky, President
Bridge Plaza North, Suite 211
P.O. Box 919
Fort Lee, NJ 07024
201-346-0300
Fax: 201-346-1336
Area Of Operation: All New Jersey counties except for Sussex and Warren.

Corporation for Business Assistance in New Jersey
Barbara Bennett
200 South Warren Street
P.O. Box 990
Trenton NJ 08625
609-292-0184
Fax: 609-292-0368
Area Of Operation: Statewide

New York
The Bronx Initiative Corporation
Madeline Marquez
98 East 161st Street
Bronx, NY 10451
718-590-3948
Fax: 718-590-5814
Area of Operation: The Bronx

Long Island Development Corporation
Roslyn Goldmacher, Executive Director
255 Executive Drive
Plainview, NY 11803
516-349-7800
Fax: 516-349-7881
Area of Operation: Counties of Nassau and Suffolk

Progress Development Corporation
Cynthia C. Clune, Executive Director
19 East Main Street
P.O. Box 3105
Port Jervis, NY 12771
914-858-8358
Fax: 914-858-8002
Area of Operation: Orange County

Albany Local Development Corporation
George Leveille, Vice President
Eagle Street
City Hall, 4th Floor
Albany, NY 12207
518-434-5133
Fax: 518-434-5098
Area of Operation: City of Albany

Empire State Certified Development Corporation
Robert Lazar, President
41 State Street
P.O. Box 738
Albany, NY 12207
518-463-2268
Fax: 518-463-0240
New York City
212-803-3672
Area of Operation: Statewide; except Nassau, Suffolk and Onondaga Counties

Greater Syracuse Business Development Corporation
Richard Arciero, Executive Director
572 South Salina Street
Syracuse, NY 13202
315-470-1888
Fax: 315-471-8545
Area of Operation: Counties of Onondaga, Cayuga, Cortland and Madison

Mohawk Valley Certified Development Corporation
Michael Reese, Executive VP & CEO
26 West Main Street
P.O. Box 69
Mohawk, NY 13407
315-866-4671
Fax: 315-866-9862
Area of Operation: Oneida, Herkimer, Fulton, Montgomery and Schoharie Counties

Monroe County Industrial Development Corporation
Judy Seil, Assistant Secretary
8100 City Place
50 W. Main Street
Rochester, NY 14614
716-428-5060
Fax: 716-428-2147
Area of Operation: Monroe County

Operation Oswego County, Inc.
L. Michael Treadwell, Area Industrial Dir.
44 West Bridge Street
Oswego, NY 13126
315-343-1545
Fax: 315-343-1546
Area of Operation: Oswego County

Rochester Economic Development Corporation
Fashun Ku, President
30 Church Street, Suite 005A
Rochester, NY 14614
716-428-6966
Fax: 716-428-6042
Area of Operation: City of Rochester

Syracuse Economic Development Corporation
Laurenzo James, Deputy Director
223 City Hall
Syracuse, NY 13202
315-488-8107
Fax: 315-448-8036
Area of Operation: Citywide in Syracuse

North Carolina
Asheville-Buncombe Development Corporation
Robert C. Kendrick
347 Barnardsville Hwy.
Weaverville NC 28787-9696
Mail: P.O. Box 7032
Asheville, NC 28802-1010
828-645-0439
Fax: 828-658-2935
Area of Operation: Buncombe County

Centralina Development Corporation, Inc.
Paul K. Herringshaw, Executive Director
1300 Baxter Street
P.O. Box 35008
Charlotte, NC 28235
704-348-2734
Fax: 704-372-1280
Area of Operation: Cabarrus, Gaston, Iredell, Lincoln, Mecklenburg, Rowan, Stanly & Union Counties

Charlotte Certified Development Corporation
Fred L. Miller, Executive Director
5970 Fairview Rd. Suite 218
Charlotte, NC 28211
704-442-8145
Fax: 704-442-0429
Area of Operation: Mecklenburg County

Neuse River Development Authority, Inc.
Don Stewart, Senior Loan Officer
233 Middle Street
P.O. Box 1717
New Bern, NC 28563
919-638-6724
Fax: 919-638-3187
Area of Operation: Carteret, Craven, Duplin, Greene, Johnston Counties

Northwest Piedmont Development Corporation, Inc.
Charles Malone
Director of Economic Development
400 West Fourth Street, Suite 400
Winston-Salem, NC 27101-2805
336-761-2111
Fax: 336-761-2112
Area of Operation: Davie, Forsyth, Stokes, Surry, Yadkin Counties

Region C Development Corporation, Inc.
Jim Edwards, Executive Director
111 West Court Street
P.O. Box 841
Rutherfordton, NC 28139-0841
828-287-2281
Fax: 828-287-2735
Area of Operation: Cleveland, McDowell, Polk & Rutherford Counties

Region D Development Corp, Inc.
Executive Arts Building
Furman Road
P.O. Box 1820
Boone, NC 28607
828-265-5434 x125
Fax: 828-265-5439
Area of Operation: Alleghany, Ashe, Avery, Mitchell, Watauga Counties

Region E Development Corporation
James E. Chandler, Loan Specialist
736 Fourth Street, SW
Hickory, NC 28602
828-322-9191
Fax: 828-322-5991
Area of Operation: Alexander, Burke, Caldwell & Catawba Counties

Self-Help Ventures Fund
Jim Overton, Commerical Loan Off.
301 W. Main Street
P.O. Box 3619
Durham, NC 27702
919-956-4473
Fax: 919-956-4600
Area of Operation: Statewide

Smokey Mountain Development Corporation
Thomas Fouts, Executive Director
144 Industrial Park Drive
Waynesville, NC 28786
828-452-1967
Fax: 828-452-1352
Area of Operation: Madison, Haywood, Graham, Cherokee, Clay Counties

Wilmington Industrial Development, Inc.
Susie Parker, Office Manager
1739 Hewlett Drive
P.O. Box 1698
Wilmington, NC 28402
910-763-0013
Fax: 910-763-0106
Area of Operation: New Hanover, Brunswick, Pender Counties

North Dakota
Dakota Certified Development Company
Toby Sticka, 504 Prog. Director
51 Broadway, Suite 400
Fargo ND 58102
701-293-8892
800-611-8997
Fax: 701-293-7819

Certified Development Companies - O-Z

Ohio
Cascade Capital Corporation, Inc.
Robert Filipiak, Executive Director
One Cascade Place, 7th Floor
Akron, OH 44308
330-379-3160
Fax: 330-761-0307
Area of Operation: Ashland, Holmes, Portage, Medina, Summit and Wayne Counties

Certified Development Co. of Butler County
Jenea Norris Allen, Executive Director
130 High Street, 6th Floor
Hamilton, OH 45011
513-887-3404
Fax: 513-785-5723
Area of Operation: Butler County

Certified Development Company of Warren County, Inc.
Steve Jacobs, Loan Manager
320 East Silver St
Lebanon, OH 45036
513-695-1223
Fax: 513-695-2933
Area of Operation: Warren County

Citywide Small Business Development Corp.
Janet White, Director, Economic Development Officer
8 North Main Street
Dayton, OH 45402-1916
937-226-0457
Fax: 937-222-7035
Area of Operation: city limits of Dayton

Clark County Development Corp.
Warren Holden, Loan Manager
300 East Auburn Avenue
Springfield, OH 45505
937-322-8685
Fax: 937-322-7874
Area of Operation: Clark County

Community Capital Development Corporation
Brad Shimp, Executive Director
900 Michigan Avenue
Columbus, OH 43215-1165
614-645-6171
Fax: 614-645-8588
Area Of Operation: Counties of Delaware, Fairfield, Fayette, Franklin, Licking, Madison, Muskingum, Perry, Pickaway, Union, Athens, Gallia, Hocking, Lawrence, Meigs, Monroe, Morgan, Noble, Scioto and Washington Counties.

County Corp Development
Marlene J. Flagel, President
40 West Fourth Street, Suite 1600
Dayton, OH 45402
937-225-6328
Fax: 937-225-5089
Area of Operation: Darke, Miami, Montgomery (outside Dayton city limits), Shelby, Greene and Preble Counties.

Greene County Development Corp.
Melissa Frost, SBA 504 Coordinator
61 Greene Street
Xenia, OH 45385
937-562-5644
Fax: 937-562-5645
Area of Operation: Greene County

Growth Capital Corporation
Gerald H. Meyer
200 Tower City Center
50 Public Square
Cleveland, OH 44113-2291
216-621-3300
Fax: 216-621-6013
Area of Operation: Cuyahoga, Lake, Geauga, Lorain, Medina, Portage and Summit Counties

Hamilton County Development Co., Inc.
David K. Main, President
1776 Mentor Avenue
Cincinnati, OH 45212
513-631-8292
Fax: 513-631-4887
Area of Operation: Adams, Brown, Highland, Clermont and Hamilton Counties

Lake County Small Business Assistance Corporation
Catherine Haworth, Assistant Executive Director
7750 Clocktower Drive
Mentor, OH 44060
440-951-1290
Fax: 440-953-4413
Area Of Operation: Lake County

Lucas County Improvement Corporation
Deborah Campbell
One Maritime Plaza, 7th Floor
Toledo, OH 43604
419-243-8251
Fax: 419-243-1835
Area of Operation: Lucas County

Mahoning Valley Economic Development Corporation
Donald L. French, Executive Director
4319 Belmont Avenue
Youngstown, OH 44505
330-759-3668
Fax: 330-759-3686
Area Of Operation: Mahoning, Columbiana and Trumbull Counties

Mentor Economic Assistance Corporation
Elaine Kline, Program Administrator
8500 Civic Center Boulevard
Mentor, OH 44060
440-255-1100
Fax: 440-974-5708
Area of Operation: City of Mentor

Ohio Statewide Development Corp.
Dianne Allen, Executive Director
1335 Dublin Road, Suite 200
Columbus, OH 43215
614-481-3214
Fax: 614-481-3215
Area of Operation: 67 counties through out Ohio

Stark Development Board Finance Corporation
Steve Paquette, President
116 Cleveland Avenue, NW, Suite 600
Canton, OH 44702-1730
330-453-5900
Fax: 330-453-1793
Area Of Operation: Stark, Tuscarawas, Harrison, Carroll, Coshocton and Jefferson Counties

Oklahoma
Metro Area Development Corporation
Dan Fitzpatrick
4200 North Lindsay
Oklahoma City, OK 73105
405-424-5181
Area of Operation: Canadian, Cleveland, Oklahoma Counties

Rural Enterprises, Inc.
Debbie Partin, Dir. of Fin. Service
422 Cessna
P.O. Box 1335
Durant, OK 74702
402-924-5094
Fax: 405-920-2775
Email: debbiep@ruralenterprises.com
Area of Operation: Atoka, Bryan, Carter, Choctaw, Coal, Creek, Garvin, Haskell, Hughes, Johnston, Latimer, LeFlore, Lincoln, Logan, Love, Marshall, McCurtain, Murray, Okfuskee, Payne, Pittsburg, Pontotoc, Pottawatomie, Pushmataha, Seminole Counties

SWODA Development Corporation
Gary Gorshing, Executive Director
Building 420, Sooner Drive,
Clinton-Sherman Indust. Park
P.O. Box 569
Burns Flat, OK 73624
405-562-4886
Area of Operation: Beckham, Custer, Greer, Harmon, Jackson, Kiowa, Roger Mills, Washita Counties

Small Business Capital Corporation
Tracie Costello, Assistant Director
Bank of America Center
15 W. Sixth St., Suite 1211
Tulsa, OK 74119-5406
918-584-7888
Area of Operation: Creek, Osage, Tulsa, Washington Counties

Tulsa Economic Development Corporation
Frank McCrady, Executive Director
907 S. Detroit Avenue
Suite 1001
Tulsa, OK 74120
918-585-8332
Fax: 918-585-2473
Area of Operation: Citywide Tulsa

Verd-Ark-Ca Development Corporation
L.V. Watkins, Executive Director
600 Emporia, Suite A
Muskogee, OK 74403
918-683-4634
Fax: 918-683-7894
Area of Operation: Adair, Cherokee, Craig, Delaware, Haskell, LeFlore, Mayes, McIntosh, Muskogee, Nowata, Okmulgee, Ottawa, Rogers, Sequoyah, Tulsa, Washington Counties

Oregon
Business Development Corporation
Wayne Luzier, Executive Director
744 Southeast Rose Street
Roseburg OR 97470-3941
541-672-6728
Fax: 541-672-7011
Email: wluzier@ccdbusiness.com
www.ccdbusiness.com
Area of Operation: State of Oregon, except Wallowa County

CCDBDC North Bend Office:
2455 Maple Leaf, #13B
North Bend, OR 97459
541-756-4101
888-553-1110
Fax: 541-756-1167
Email: thaga@ccdbusiness.com

CCDBDC Portland Office:
6312 SW Capitol Hwy, Suite 441
Portland, OR 97239
503-245-1175
Email: ccdbusiness@hevanet.com

Cascades West Financial Services, Inc.
Mary Merriman-Smith, Director
P.O. Box 686
Albany, OR 97321-0686
541-924-8430
Fax: 541-967-4651
Email: msmith@cwcog.cog.or.us
www.cascadeswest.com
Area of Operation: Benton, Lane, Lincoln, Linn, Marion, Polk, Yamhill Counties

Evergreen Community Development Association (ECDA)
Jim Bright, Senior Loan Officer
1618 SW First Avenue, Suite 401
Portland, OR 97201
503-222-7496
503-222-7498
Email: jbright@ecda.com
www.ecda.com
Area of Operation: Clackamas, Clatsop, Columbia, Hood River, Multnomah, Tillamook, Wasco and Washington Counties

Greater Eastern Oregon Development Corporation
Melisa Jo Drugge, Executive Director
2016 Airport Road
P.O. Box 1041
Pendleton OR 97801-1041
541-276-6745
Fax: 541-276-6071
Email: mdrugge@OregonVOS.net
Area of Operation: Gilliam, Grant, Morrow, Umatilla, Wheeler, Union, Baker and Wallowa Counties

Northwest Business Development Association
Louie Robida, Loan Officer
6312 SW Capitol Hwy, Suite 441
Portland, OR 97239
503-245-1175
Email: nwbusiness@hevanet.com
www.nwbusiness.org
Area of Operation: Clark, Cowlitz, Skamania and Wahkiakum Counties

Northwest Small Business Finance Corporation
Teresa Cowles, President
15455 NW Greenbrier Pkwy., Suite 210
Beaverton OR 97006
503-629-9662
Fax: 877-296-0703
Email: teresa@nsbfc.com
www.nsbfc.com
Area of Operation: Multnomah, Clackamas, Clatsop, Columbia and Washington Counties

Oregon Certified Business Development Corporation
Jim MacKinnon, Senior Loan Officer
2363 SW Glacier Place
P.O. Box 575
Redmond OR 97756-0575
541-548-8184
Fax: 541-504-3302
Email: mackinon@coic.org
Email: kmears@coic.org
Email: cfolkens@coic.org
www.coic.org
Area of Operation: Crook, Deschutes, Harney, Jefferson, Klamath, Lake and Malheur Counties

Pennsylvania
Allentown Economic Development Corporation
Janice Gubich, Director of Finance
718 Hamilton Mall
Portland Place - 7th Floor
Allentown, PA 18105
610-435-8890
Fax: 610-435-6166
Area of Operation: Lehigh and Northampton counties

DelVal Business Finance Corporation
Michael Schwartz, President
6100 City Line Avenue
Executive House, Suite P218
Philadelphia, PA 19131
215-871-3770
Fax: 215-871-3776
Area of Operation: Bucks, Chester, Delaware, Lackawanna, Luzerne, Monroe, Montgomery, Northampton, and Philadelphia Counties

PIDC Local Development Corporation
Jim Pawlikowski, Client Relations Officer
2600 Centre Square West
1500 Market Street
Philadelphia, PA 19109-2126
215-496-8106
Fax: 215-977-9618
Area of Operation: Philadelphia

SEDA-COG Local Development Corporation
Jerry Bohinski, Chief, Economic Development
R.R. 1 - Box 372, Furnace Road
Lewisburg, PA 17837
570-524-4491
Fax: 570-524-9190
Area of Operation: Adams, Bradford, Centre, Clinton, Columbia, Cumberland, Dauphin, Franklin, Juniata, Lancaster, Lebanon, Lycoming, Mifflin, Montour, Northumberland, Perry, Potter, Sullivan, Synder, Tioga, Union, and York Counties

South Eastern Economic Development Company of PA
Jay Lowden, Finance Manager
750 Pottstown Pike
Exton, PA 19341
610-363-6110
Fax: 610-363-2160

Certified Development Companies-Pittsburgh
Allegheny-Pittsburgh Business Development Corporation
Dave Thomas, Manager
200 Ross Street
Pittsburgh, PA 15219
412-255-6557
Fax: 412-255-6542
Area Of Operation: Allegheny County

Altoona-Blair County Development Corporation
Martin J. Marasco, Executive Director
4500 Sixth Avenue
Altoona PA 16602
814-944-6113
Fax: 814-946-0157
Area Of Operation: Counties of Blair, Bedford, Cambria, Clearfield, Franklin, Fulton, Huntingdon, Jefferson and Somerset Counties

Regional Development Funding Corp.
Executive Director
ST425 Sixth Avenue-Suite 1410
Regional Enterprise Tower
Pittsburgh PA 15219
412-471-1030
Fax: 412-471-3902
Area Of Operation: Counties of Allegheny, Armstrong, Beaver, Butler, Clarion, Crawford, Erie, Fayette, Forest, Greene, Indiana, Lawrence, Mercer, Venango, Warren, Washington and Westmoreland Counties

SEDA-COG Local Development Corporation
Jerry Bohinski, Chief, Economic Development
Box 372 - RD#1
Lewisburg PA 17837
717-524-4491
Fax: 717-524-9190
Mailing Address:
R.D. #1 Box 372
Lewisburg PA 17837
Area Of Operation: Adams, Bradford, Centre, Clinton, Columbia, Cumberland, Dauphin, Franklin, Juniata, Lancaster, Lebanon, Lycoming, Mifflin, Montour, Northumberland, Perry, Potter, Snyder, Sullivan, Tioga, Union And York Counties

Certified Development Companies-Philadelphia
Allentown Economic Development Corporation
Janice Gubich, Director of Finance
718 Hamilton Mall
Portland Place - 7th Floor
Allentown, PA 18101
610-435-8890
Fax: 610-435-6166
Mailing Address:
P.O. Box 1400
Allentown, PA 18105
Area of Operation: Lehigh and Northampton Counties

Altoona-Blair County Development Corporation
Martin J. Marasco, President and CEO
4500 Sixth Avenue
Altoona, PA 16602
814-944-6113
Fax: 814-946-0157
www.abcdcorp.org
Area of Operation: Bedford, Blair, Cambria, Clearfield, Franklin, Jefferson, Huntingdon and Somerset Counties

DelVal Business Finance Corporation
Michael Schwartz, President
6100 City Line Avenue
Executive House, Suite P218
Philadelphia, PA 19131
215-871-3770
Fax: 215-871-3776
www.delval504.com
Area of Operation: Bucks, Chester, Delaware, Lackawanna, Luzerne, Monroe, Montgomery, Northampton, and Philadelphia Counties

SEDA-COG Local Development Corporation
Jerry Bohinski, Chief, Economic Development
R.R. 1 - Box 372
Lewisburg, PA 17837
570-524-4491
Fax: 570-524-9190
http://finance.seda-cog.org
Area of Operation: Adams, Bradford, Centre, Clinton, Columbia, Cumberland, Dauphin, Franklin, Juniata, Lancaster, Lebanon, Lycoming, Mifflin, Montour, Northumberland, Perry, Potter, Snyder, Sullivan, Tioga, Union, and York

South Eastern Economic Development Company of PA
Jay Lowden, Finance Manager
737 Constitution Drive
Exton, PA 19341
610-458-5700
Fax: 610-458-7770
www.ccdcseed.org
Area of Operation: Berks, Bucks, Chester, Delaware, Lancaster, Lebanon, Montgomery, and Schuykill Counties

Rhode Island
Ocean State Business Development Authority
155 South Main Street, Suite 301
Providence, RI 02903
401-454-4560
Fax: 401-454-4890
Area Of Operation: Providence, Kent, Washington and Newport Counties

South Carolina
Catawaba Regional Development Corporation
Mr. Harold S. Shapiro
215 Hampton Street
Rock Hill SC 29730
803-327-9041
Fax: 803-327-1912
Mailing Address:
P.O. Box 450
Rock Hill SC 29731
Area Of Operation: South Carolina counties of Chester, Lancaster, Union and York Counties

Certified Development Corporation of South Carolina
Mr. W.C. Grimes
111 Executive Center Drive
Enoree Building, Suite 225
Columbia SC 29210
803-798-4064
Fax: 803-798-1224
Mailing Address:
P.O. Box 21823
Columbia SC 29201
Area Of Operation: Statewide

Appalachian Development Corporation
David Mueller, Special Projects/Loan Fund Coordinator
30 Century Circle
Greenville SC 29606
864-242-9733
Fax: 864-242-6957
Mailing Address:
P.O. Box 6668
Greenville SC 29606
Area Of Operation: South Carolina Counties of Anderson, Cherokee, Greenville, Oconee, Pickens, and Spartanburg Counties

CSRA Development Companies
Randall E. Griffin - President
3023 Riverwatch Parkway, Suite A
Augusta, GA 30907
706-210-2010
Fax: 706-210-2006
Area Of Operation: South Carolina Counties of Abeville, Aiken, Allendale, Barnwell, Edgefield, McCormick and Saluda Counties

Small Business Assistance Corporation
Tony O'Reilly, Executive Director
111 E. Liberty Street, Suite 100
Savannah GA 31412
912-232-4700
Fax: 912-232-0385
Mailing Address:
P.O. Box 10750
Savannah GA 31412
Area Of Operation: South Carolina Counties of Beaufort, Jasper and Hampton Counties

South Dakota
First District Development Company
Roger Clark
124 First Avenue, NW
P.O. Box 1207
Watertown, SD 57201
605-886-7225
Area Of Operation: Counties in Eastern South Dakota with the exception of Clay and Union Counties

Black Hills Community Economic Development, Inc.
Jim Doolittle
P.O. Box 218
Sturgis, SD 57785
605-642-7106
Area Of Operation: Counties in Western South Dakota with exception of Gregory County

South Dakota Development Corporation (The)
Tina Van Camp
711 E. Wells Ave.
Pierre SD 57501
605-773-5032
Fax: 605-773-3256
Area Of Operation: Statewide

Siouxland Economic Development Corporation
Glenda Castleberry
P.O. Box 447
Sioux City, IA 55102
712-279-6286
Area Of Operation: Clay and Union Counties

Tennessee
Alacom Finance
Diane Roehrig
4515 Poplar Avenue, #2, Suite 217
Memphis TN 38119
901-374-0396
Fax: 901-347-0397
Area Of Operation: Lake, Obion, Weakley, Henry, Dyer, Gibson, Carroll, Benton, Lauderdale, Crockett, Tipton, Haywood, Madison, Henderson, Decatur, Shelby, Fayette, Hardeman, McNairy, and Chester Counties

Areawide Development Corporation
Don Woods, Loan Officer
5616 Kingston Pike
P.O. Box 19806
Knoxville TN 37919-2806
865-588-7972
Fax: 865-584-5159
Area Of Operation: Scott, Campbell, Claiborne, Anderson, Union, Morgan, Roane, Loudon, Monroe, Blount, Knox, Grainger, Hamblen, Jefferson, Cocke, Carter, Greene, Hancock, Hawkins, Johnson, Sullivan, Unicoi, Washington and Sevier Counties

Mid-Cumberland Area Development Corporation
Tom McAuley, Small Bus. Loan Off.
501 Union Street
Stalman Building, 6th Floor
Nashville TN 37219-1735
615-862-8855
Fax: 615-862-8840
Area Of Operation: Cheatham, Davidson, Dickson, Houston, Humphreys, Montgomery, Robertson, Rutherford, Stewart, Sumner, Trousdale, Williamson and Wilson Counties

South Central Tennessee Business Development Corp.
Doug Williams, Econ. Dev. Director
815 South Main Street
P.O. Box 1346
Columbia TN 38402
931-381-2041
Fax: 931-381-2053
Area Of Operation: Bedford, Coffee, Franklin, Giles, Hickman, Lawrence, Lewis, Lincoln, Marshall, Maury, Moore, Perry and Wayne Counties

Southeast Local Development Corporation
Joe Guthrie, Executive Director
25 Cherokee Boulevard
P.O. Box 4757
Chattanooga TN 37405
423-266-5781
Fax: 423-267-7705
Area Of Operation: Cannon, Clay, Cumberland, DeKalb, Fentress, Jackson, Macon, Overton, Pickett, Putnam, Smith, Van Buren, Warren, White, Grundy, Sequatchie, Bledsoe, Rhea, Meigs, Marion, Hamilton, Bradley, McMinn and Polk Counties

Tennessee Business Development Corporation
Jim Thigpen
P.O. Box 307
Paris, TN 38242
731-644-7108
Fax: 731-644-5984
Area Of Operation: Benton, Bledsoe, Bradley, Campbell, Cannon, Carroll, Carter, Chester, Claiborne, Clay, Crockett, Cumberland, Decatur, Dekalb, Dyer, Fayette, Fentress, Franklin, Gibson, Giles, Grainer, Greene, Grundy, Hancock, Hardeman, Hardin, Henderson, Henry, Hickman, Houston, Jackson, Johnson, Lake, Lauderdale, McNairy, Macon, Marshall, Meigs, Monroe, Moore, Morgan, Obion, Overton, Perry, Pickett, Polk, Putnam, Rhea, Roane, Scott, Sequatchie, Stewart, Sumner, Tipton, Trousdale, Union, Van Buren and Washington Counties

Texas
Ark-Tex Regional Development Company, Inc.
James C. Fisher, Jr.
122 Plaza West
Texarkana, TX 75501
Mailing Address:
P. O. Box 5307
Texarkana, TX 75505-5307
903-832-8636
Fax: 903-832-2672
Area Of Operation: Bowie, Cass, Delta, Franklin, Hopkins, Red River, Lamar, Morris and Titus Counties in Texas; also Miller County in Arkansas

Central Texas Certified Development Company
Bruce Gaines, VP of Operations
1103 Airline Drive
P.O. Box 154118
Waco TX 76715
817-799-0259
Fax: 817-799-0294
Area of Operation: Bell, Bosque, Coryell, Falls, Hamilton, Hill, Freestone, Limestone, McLennan, and Milam Counties

Dallas Business Finance Corporation
Charles English, Executive V.P.
1402 Corinth St., Suite 1150
Dallas TX 75215
214-428-7332
Fax: 214-426-6847
Area of Operation: Dallas County

East Texas Regional Development Company, Inc.
Kent Bryson
3800 Stone Road
Kilgore TX 75662
903-984-8641
Fax: 903-983-1440
Area of Operation: Anderson, Camp, Cherokee, Gregg, Harrison, Henderson, Marion, Panola, Rains, Rusk, Smith, Upshur, Van Zandt and Wood

Fort Worth Economic Development Corporation
Larry McNatt, Executive Director
100 East 15th Street, Suite 500
P.O. Box 136
Fort Worth TX 76102
817-336-6420
Fax: 817-335-4513
Area of Operation: Erath, Denton, Ellis, Hood, Kaufman, Palo, Pinto, Dallas, Tarrant, Wise, Parker and Johnson counties; Excluding the City of Dallas

Greater East Texas Certified Development Company
Judy Loden
P.O. Box 1129
Athens, Texas 75751
903-675-7403
Area of Operation: Anderson, Cherokee, Henderson, Kaufman, Shelby, Smith and Van Zandt Counties

North Texas Certified Development Corporation
Webb Cox, President
1101 East Plano Pkwy., Suite A
Plano TX 75074
214-516-0514
Fax: 214-424-7479
Area of Operation: Grayson, Ranes, Fannin, Hunt, Collin, Cooke and Rockwall Counties

Upper Rio Grande Development Company
Justin R. Ormsby, Executive Director
1100 North Stanton, Suite 610
El Paso TX 79902
915-533-0998
Fax: 915-532-9385
Area of Operation: El Paso, Hudspeth, Culberson, Jeff Davis,Presidio and Brewster Counties

Brownsville Local Development Company, Inc.
1150 East Adams, 1st Floor
P.O. Box 911
Brownsville TX 78520
956-548-6150
Fax: 956-548-6144
Area of Operation: Citywide Brownsville

Lower Rio Grande Valley Certified Development Corporation
Kenneth N. Jones, Jr., Executive Director
311 N. 15th Street
McAllen TX 78501-4705
956-682-3481
Fax: 956-631-4670
Area of Operation: Cameron, Hidalgo and Willacy Counties

Bryan-College Station Certified Development Company
Dennis H. Goehring, Representative
2908 Finfeather Road
Bryan TX 77801
409-775-3699
Fax: 409-775-4393
Area of Operation: Brazo County

Houston-Galveston Area Local Development Corporation
Jeff Sjostrom, Sen. Ec. Dev. Spec.
3555 Timmons Lane, Suite 500
P.O. Box 22777
Houston TX 77227
713-627-3200
Fax: 713-621-8129
Area of Operation: Austin, Brazoria, Chambers, Colorado, Fort Bend, Galveston, Harris, Liberty, Matagorda, Montgomery, Walker, Waller and Wharton Counties

Multi-County Small Business Finance Corporation
Amos M. Brown, Executive Director
3100 Timmons Lane, Suite 222
Houston TX 77027
713-840-8804
Area of Operation: Brazoria, Fort Bend, Galveston, Harris, Liberty, Montgomery and Waller Counties

Southeast Texas Economic Development Foundation
Wilson White, Executive Director
450 Bowie
P.O. Box 3150
Beaumont TX 77704
409-838-6581
Fax: 409-833-6718
Area of Operation: Jefferson and Orange Counties

Council Finance, Incorporated
Rick Womble, Ec. Dev. Specialist
909 North Judge Ely Boulevard
P.O. Box 3195
Abilene TX 79604
915-672-8544
Fax: 915-675-5214
Area of Operation: Brown, Callahan, Coleman, Comanche, Eastland, Fisher, Haskell, Jones, Kent, Knox, Mitchell, Nolan, Runnels, Scurry, Shackelford, Stephens, Stonewall, Taylor and Throckmorton Counties

Caprock Business Finance Corporation, Inc.
Tim Pierce, Director of Ec. Dev.
1323 58th Street
P.O. Box 3730
Lubbock TX 79452-3730
806-762-8721
Fax: 806-765-9544
Area of Operation: Baily, Cochran, Crosby, Dickens, Floyd, Garza, Hale, Hockley, King, Lamb, Lubbock, Lynn, Motley, Terry, Gaines, Dawson, Borden, Andrews, Martin, Howard, Winkler, Ector, Midland, Glasscock, Ward, Crane, Upton and Yoakum Counties

Texas Panhandle Regional Development Corporation
Doug Nelson
415 West Eighth Avenue
P.O. Box 9257
Amarillo TX 79105-9257
806-372-3381
Fax: 806-373-3268
Area of Operation: Armstrong, Briscoe, Carson, Castro, Childress,Collingsworth, Deaf Smith, Dallam, Donley, Gray, Hall, Hansford, Hutchinson, Hartley, Hemphill, Lipscomb, Moore, Ochiltree, Randall, Oldham, Parmer, Potter, Roberts, Sherman, Swisher and Wheeler Counties

Capital Certified Development Corporation
Craig Pinkley, Executive Director
Wild Basin One
110 Wild Basin Road, Suite 270
Austin, TX 78746
512-327-9229
800-504-2232
Fax: 512-327-9243
Area Of Operation: Atascosa, Bandera, Bee, Blanco, Burnet, Caldwell, Calhoun, Comal, Dimmit, Edwards, Fayette, Frio, Gillespie, Goliad, Hays, Jackson, Karnes, Kendall, Kinney, La Salle, Lampasas, Lavaca, Lee, Live Oak, Llano, Maverick, McMullen, Real, Refugio, Travis, Uvalde, Val Verde, Victoria and most other counties in Texas

Cen-Tex Certified Development Corporation
Rosa Rios Valdez, Executive Director
2212 South Congress Avenue
P.O. Box 220
Mail Stop L-108
Austin TX 78703
512-912-9884
Fax: 512-912-9869
Area of Operation: Austin, Bastrop, Bandera, Blanco, Burnet, Brown, Burleson, Caldwell, Colorado, Comal, Concho, Coryell, DeWitt, Edwards, Fayette, Gillespie, Gonzales, Guadalupe, Hamilton, Hays, Kendall, Kerr, Kimble, Lampasas, Lavaca, Lee, Llano, Mason, Matagorda, McCulloch, Medina, Menard, Mills, Real, San Saba, Sutton, Travis, Uvalde, Waller, Washington, Wharton, Williamson, Wilson 43 Central Texas Counties

San Antonio Local Development Corporation
Michael Mendoza, Financial Specialist
215 South San Saba
P.O. Box 830505
San Antonio TX 78283-0505
210-207-3930
Fax: 210-207-3939
Area of Operation: Atascosa, Bandera, Bexar, Comal, Frio, Gillespie, Guadalupe, Karnes, Kendall, Kerr, Medina and Wilson Counties

Texas Certified Development Company, Inc.
Ernest Perales, President
7801 N. IH-35
P.O. Box 6479
Austin TX 78762
800-486-8620
Fax: 512-433-1821
Area of Operation: Aransas, Atascosa, Bandera, Bastrop, Bee, Bell, Bexar, Blanco, Brazoria, Brooks, Burleson, Burnet, Caldwell, Calhoun, Cameron, Comal, Concho, Crockett, Dallas, Denton, DeWitt, Dimmit, Duval, Edwards, Ellis, Fayette, Frio, Ft. Bend, Galveston, Gillespie, Goliad, Gonzales, Grayson, Guadalupe, Hardin, Harris, Hays, Hidalgo, Irion, Jackson, Jefferson, Jim Hogg, Jim Wells, Johnson, Karnes, Kendall, Kenedy, Kerr, Kimble, Kinney, Kleberg, LaSalle, Lampasas, Lavaca, Lee, Liberty, Live Oak, Llano, Mason, Maverick, McCulloch, McLennan, McMullen, Medina, Menard, Montgomery, Nueces, Orange, Parker, Real, Refugio, San Patricio, San Saba, Schleicher, Smith, Starr, Sutton, Tarrant, Tom Green, Travis, Uvalde, Val Verde, Victoria, Walker, Waller, Webb, Wichita, Willacy, Williamson, Wilson, Wise, Zapata, Zavala Counties

Utah
Deseret Certified Development Company
2595 East 3300 South
Salt Lake City, UT 84109
Email: scott@deseretcdc.com
801-474-3232
Fax: 801-493-0111
Area of Operation: Box Elder, Davis, Morgan, and Weber Counties

Northern Utah Capital, Inc.
2404 Washington Boulevard, Suite 1000
Ogden, UT 84401
801-627-1333
Email: rrichards@nucdc.com
Area of Operation: Statewide Utah
Certified Development Companies are private companies licensed by the SBA to provide long-term financing to expanding businesses. The SBA 504 loans provide long-term fixed-asset financing with a maximum SBA share of $750,000 or 40% of the project cost. At least 10% must be provided by the borrowers, and the remaining provided by a bank or other lender.

Vermont
Central Vermont Economic Development Corporation
Richard Angney, Exec. Vice President
1 National Life Drive, 5th Floor
P.O. Box 1439
Montpelier VT 05601
802-223-4654
Fax: 802-223-4655
Area of Operation: Washington and Orange counties

Northern Community Investment Corporation
Paul Denton, President
20 Main Street
P.O. Box 904
Johnsbury VT 05819
802-748-5101
Fax: 802-748-1884
Area of Operation: Caledonia, Essex and Orleans Counties in Vermont; also Coos, Carroll and Grafton Counties in New Hampshire

Vermont 503 Corporation
Jo Bradley, Executive Director
58 East State Street
Montpelier VT 05602
802-828-5627
Fax: 802-828-5474
Area of Operation: Statewide

Virginia
Crater Development Company
Post Office Box 1808
1964 Wakefield Street
Petersburg, VA 23805
804-861-1666
Fax: 804-732-8972
Area of Operation: Cities of Colonial Heights, Emporia, Hopewell and Petersburg. Counties of Chesterfield, Dinwiddie, Greensville, Prince George, Surry, and Sussex.

James River Dev. Corp.
Capitol Place, Suite 702
1108 East Main Street
Richmond, VA 23219
804-344-0002
Fax: 804-344-0022
Email: fminton@aol.com
Area of Operation: City of Richmond. Counties of Charles City, Goochland, Hanover, Henrico, James City, New Kent, Powhatan, Williamsburg, and York.

Rappahannock Econ. Dev. Corp.
3304 Bourbon Street
P.O. Box 863
Fredericksburg, VA 22404
540-373-2890
Fax: 540-899-4808
Area of Operation: City of Fredericksburg. Counties of Caroline, King George, Stafford, and Spotsylvania.

Tidewater Business Financing Corp.
1226 Suntrust Center
500 E. Main St.
Norfolk, VA 23510
757-623-2691
Fax: 757-623-0660
Area of Operation: Cities of Chesapeake, Hampton, Newport News, Norfolk, Poquoson, Portsmouth, Suffolk, and Virginia Beach.

Virginia Economic Dev. Corp.
101 E. High Street
P.O. Box 1402
Charlottesville, VA 22902
434-972-9900
Fax: 972-9900
Email: towens@rlc.net
Area of Operation: City of Charlottesville.Counties of Albemarle, Fluvanna, Greene, Louisa, and Nelson.

Virginia Asset Financing Corp.
4165 Chain Bridge Road
Fairfax, VA 22030
703-352-0504
Fax: 703-352-9100
Area of Operation: Statewide

Washington
Evergreen Community Development Association
Philip T. Eng, President
900 Fourth Avenue, Suite 2900
Seattle, WA 98164
206-622-3731
Fax: 206-623-6613
Area of Operation: State of Washington; Oregon Counties of Clackamas, Columbia, Clatsop, Multnomah, Washington, Hood River, Wasco and Tillamook

Northwest Business Development Association
Gary Whelpley, President
9 South Washington St. #215
Spokane, WA 99201
509-458-8555
Fax: 509-458-8553
State of Washington except Pacific County, Idaho Counties of Clearwater, Idaho, Latah, Lewis and Nez Perce

West Virginia
Ohio Valley Industrial Business Development Council
Certified Development Corporation
P.O. Box 1029
12th & Chapline Street
Wheeling, WV 26003
304-232-7722
Fax: 304-232-7727
Area of Operation: Brooke, Hancock, Ohio, Marshall and Wetzel Counties

West Virginia Certified Development Corporation
Patrick A. Tony" Benedetto”, President
North Gate Business Park
10 Association Drive
Charleston, WV 25311-1217
304-558-3691
Fax: 304-558-0206
Area of Operation: Statewide

Wisconsin
Great Lakes Asset Corporation
Ms. Cindy Esterling, Loan Officer/Manager
1317 Lombardi Access Rd.
Green Bay, WI 54304
800-281-6444
Fax: 920-499-7331
Email: cdcglac@aol.com
Area of Operation: Brown, Calumet, Kewaunee, Manitowoc, Marinette, Oconto and Shawano Counties

Milwaukee Economic Development Corporation
Ms. Martha Morrison, Asst. Vice President/Secretary
809 North Broadway
P.O. Box 324
Milwaukee WI 53201-0324
414-286-5853
Fax: 414-286-5778
Email: mmorri@mkedcd.org
Area of Operation: Milwaukee, Ozaukee, Washington and Waukesha Counties

Racine County Business Development Corporation
Mr. Gordon M. Kacala, Executive Director
4701 Washington Avenue, Suite 215
Racine, WI 53406-3938
414-638-0234
Fax: 414-638-0250 
E-mail: rcedc@execpc.com
Area of Operation: Kenosha and Racine Counties

Western Wisconsin Development Corporation
Mr. William Bay, General Manager
126 Soo Street
Almena, WI 54805
715-357-3334
Fax: 715-357-6233
Area of Operation: Barron, Bayfield, Burnett, Chippewa, Dunn, Polk, Rusk, St. Croix, Sawyer and Washburn Counties

Business Incubators Can Be The Answer

According to the Small Business Administration, small businesses constitute more than 90 percent of all businesses in the U. S., and create more than 80 percent of new jobs. Yet, despite these impressive statistics, as many as 80 percent of all new small businesses fail within their first five years of operation. There are a number of reasons for this failure rate, and business incubators can help address these issues.

A business incubator can come in many different shapes and forms. Typically an incubator provides basic office space and services at a reduced rate or is an exceptional value for the services provided. Generally a variety of sized office spaces are available, with the flexibility for growth. In addition, services such as a receptionist, telephone answering services, janitorial, security, conference and break rooms, and more are provided for the cost of the rent. Basically, this allows new businesses to come in with a desk and phone, and be fully operational. Since incubators are places where companies are encouraged to grow, many offer mentoring, business planning, accounting, and tax services, often at a reduced rate through other vendors. Several also offer their own financing programs, or can direct you to local resources. They want to build a business environment that supports new companies. Businesses usually stay with the incubator for several years, and then graduate, giving space for new start-ups to begin.

In some cases, incubators focus on certain types of businesses. San Jose, California and Manitou Springs, Colorado have incubators whose focus in the arts. New Jersey and New York have incubators that specialize in food service, offering commercial kitchens, food storage, packaging, and more. Many incubators are technology-focused. Often entrepreneurs need access to specialized facilities or equipment, like wet labs and cold storage. Some offer access to universities or outside laboratories, with many offering technical assistance, guidance in developing prototypes, and more. In association with university and government laboratories, many incubators help with technology transfer, converting scientific discoveries and developing them into products for the marketplace.

Whatever your business needs might be, a business incubator can be a great place to start, giving your company time to grow in a nurturing environment amongst a group of others attempting to do the same thing.

For more information on business incubators, contact
National Business Incubation Association
20 E. Circle Dr., #37198
Athens, OH 45701
740-593-4331
Fax: 740-593-1996
www.nbia.org

State Business Incubators - A-M

Alabama
Bessemer Business Center
1020 Ninth Avenue North
Bessemer, AL 35022
205-481-2000
Fax: 205-481-2100
http://www.bessemeral.org/BBIS.html

Downtown Entrepreneurial Center
401 19th Street North
Bessemer, AL 35020
205-481-4800
Fax: 205-481-4801
http://www.bessemeral.org/BBIS.html

Entrepreneurial Center
110 12th Street North
Birmingham, AL 35203
205-250-8000
Fax: 205-250-8013
http://www.entrepreneurialctr.com/

Center for Entrepreneurial Excellence
Business Incubator Center
1301 Azalea Rd.
Mobile, AL 36693
251-660-7002
Fax: 251-660-7004
www.ceebic.org

Business Technology Development Center
BizTech
102A Wynn Drive
Huntsville, AL 35805
256-704-6000
Fax: 256-704-6002
biztech@biztech.org
http://www.biztech.org/

Montgomery Area Center for Economic Development - Small Business Incubator
600 South Court Street
Montgomery, AL 36104
334-832-4790
Fax: 334-240-6869
info@montgomeryincubator.org
www.montgomeryincubator.org/

Northeast Alabama Entrepreneurial System
Giles McDaniel, Executive Director
1400 Commerce Blvd., Suite 1
Anniston, AL 36207
256-831-5215
Fax: 256-831-8728
http://www.neaes.org/

OADI Technology Center
2800 Milan Court
Birmingham, AL 35211
205-943-6560
Fax: 205-943-6563
http://main.uab.edu/oadi/show.asp?durki=29458

Shoals Entrepreneurial Center
3115 Northington Court
Florence, AL 35631
256-760-9014
Fax: 256-740-5530
info@shoalsec.com
www.shoalsec.com

Ozark Technology Center
3269 Hwy. 231 S.
Ozark, AL 36360
334-774-4952
Fax: 334-774-4539
http://www.ozarkalabama.org/

Arizona
Arizona Center for Innovation
University of Arizona Science and Technology Park
9040 South Rita Road
Suite 2250
Tucson, AZ 85747
520-382-3260
info@azinnovation.com
http://www.azinnovation.org/

Northern Arizona Technology and Business Incubator
1300 S. Milton Rd. Suite 123
Flagstaff, AZ 86001
928-213-9234
Fax: 928-556-0940
info@natbi.org
www.natbi.org

Arkansas
Spotlight Business Accelerator for Entrepreneurs
1461 N. Constitution Ave.
Ashdown, AR 71822
870-898-4733
Fax: 870-898-4552
http://www.sbae.org/

Genesis Technology Incubator
700 Research Center Blvd.
Fayetteville, AR 72701
501-575-7227
Fax: 501-575-7446
Genesis@cavern.uark.edu
http://www.uark.edu/~genesis/

Ouachita Valley Business and Technology Development
Ouachita Partnership for Economic Development
314 S. Adams Street
Camden, AR 71701
877-248-OPED
fduplantis@ouachitaworks.com
http://www.ouachitaworks.com/

Biomedical Biotechnology Center
4301 West Markham Street, Slot 718
Little Rock, AR 72205
501-686-6696
Fax: 501-686-8501
biotech@uams.edu
http://www.uamsbiotech.com/

California
Central Valley Business Incubator
2555 Clovis Avenue
Clovis, CA 93612
559-292-9033
http://www.cvbi.org/

Charo Community Development Corporation
4301 E. Valley Blvd.
Los Angeles, CA 90032
323-269-0751
Fax: 323-266-4326
http://www.charocorp.org/

Contra Costa/Tri-Valley Telecommunication Incubator
2440 Camino Ramon, Suite 225
Bishop Ranch # 6
San Ramon, CA 94583
925-866-4100
Fax: 925-806-0952
gcraft@telcomventures.net
http://www.telcomventures.net/

El Pájaro Community Development Corporation
23 East Beach Street, #209
Watsonville, CA 95076
831-722-1224
Fax: 831-722-3128
info@elpajarocdc.org
http://www.elpajarocdc.org

Environmental Business Center
2 N. First St.
San Jose, CA 95113
408-938-3920
Fax: 408-271-1904
http://www.environmentalcluster.org/

FAME Renaissance Center
1968 West Adams Boulevard
Los Angeles, CA 90018
323-730-7700
Fax: 323-737-5717
info@famerenaissance.org
www.famerenaissance.org

International Business Incubator
111 N Market St.
San José, CA 95113
408-351-3300
Fax: 408-351-3332
info@ibi-sv.org
www.ibi-sv.org

Marina Small Business Incubator
3180 Imjin Rd., Suite 149
Marina, CA 93933
831-582-9718
Fax: 831-582-9549
http://www.msbi.org/

NASA Commercialization Center and Pomona Technology Center
California State Polytechnic Univ., Pomona
3801 West Temple Ave., Bldg. 220B-1330
Pomona, CA 91768
909-869-4441
Fax: 909-869-4475
nasaincubatr@csupomona.edu.
www.nasaincubator.csupomona.edu/

Oakland Small Business Growth Center
675 Hegenberger Road Suite 201
Oakland, CA 94621-1919
510-553-0675
Fax: 510-553-0676
info@osbgc.com
http://www.osbgc.com/

Panasonic Incubator
Cupertino Office:
20300 Stevens Creek Blvd.
Suite #250
Cupertino, CA 95014
408-861-3900
Fax: 408-861-3990
http://www.vcpanasonic.com/

Pasadena Enterprise Center
1015 N. Lake Ave., Suite 100
Pasadena, CA 91104
626-398-9974
http://www.pec-sbi.org/

Renaissance Entrepreneurship Center
275 Fifth Street
San Francisco, CA 94103
415-541-8580
www.rencenter.org/contact.htm

San Jose Arts Incubator
Office of Cultural Affairs
City of San Jose
365 S. Market St.
San Jose, CA 95113
408-277-5144
http://www.sanjoseculture.org/art_inc/index.html

SDSU Foundation
5250 Campanile Dr.,
San Diego, CA 92182
619-594-0516
Fax: 619-594-0354
http://tto.sdsu.edu/

San Jose Software Business Cluster
2 North First Street, Fourth Floor
San Jose, CA 95113
Fax: 408-535-2711
info@sjsbc.org
http://www.sjsbc.org/cluster/index.html

The Chamber Business Incubator
445 San Joaquin Street
Stockton, CA 95202
209-954-5089
Fax: 209-954-5605
http://www.stocktonchamber.org/sbc/sbc.html

Vermont Slauson Economic Development Center
5918 S. Vermont Avenue
Los Angeles, CA 90044
323-753-2335
Fax: 323-753-6710
HQ@vsedc.org
http://www.vsedc.org/

Women’s Technology Cluster
177 Post Street
Suite 900
San Francisco, CA 94108
415-421-5500
INFO@WTC-SF.ORG
http://www.wtc-sf.org/

Daly City Business Center
355 Gellert Blvd., Suite 230
Daly City, CA 94015
650-757-2060
http://www.ci.daly-city.ca.us/business/dcbizctr.htm

Colorado
The Business of Art Center
513 Manitou Ave.
Manitou Springs, CO 80829
719-685-1861
Fax: 719-685-3080
http://www.thebac.org/

Colorado Springs Technology Incubator
1420 Austin Bluffs Parkway
Colorado Springs, CO 80918
719-262-3104
Fax: 719-262-3707
www.cstionline.org

Fitzsimons Redevelopment Authority
12635 E. Montview Blvd., Suite 100
Aurora, CO 80010
720-859-4100
email info@colobio.com
http://www.colobio.com/introduction.html

Fort Collins Virtual Business Incubator
Executive Director: Kathy Kregel, BS, MBA
125 South Howes, #150
Fort Collins, CO 80524
970-221-1301
Fax: 970-498-8924
Info@FortCollinsIncubator.org
http://www.fortcollinsincubator.org/

Pueblo Economic Development Corporation
301 N. Main Street
P.O. Box 1957
Pueblo, CO 81002
719-544-2000
800-522-1120
Fax: 719-543-1650
info@pedco.org
http://www.pedco.org/
 
Rose Biomedical
4545 East 9th Ave., Suite 110
Denver, CO 80220
303-320-2998
Fax: 303-333-7511
www.rosebiomed.com

Denver Enterprise Center
3003 Arapahoe St.
Denver, CO 80205
303-296-9400
Fax: 303-296-5542
decinfo@thedec.org
http://www.thedec.org/

Business Incubator Center
2591 B-3/4 Road
Grand Junction, CO 81503
970-243-5242
Fax: 970-241-0771
http://www.gjincubator.org/

Connecticut
Connecticut Enterprise Center
200 Myrtle Street
New Britain, CT 06053
860-229-7700
Fax: 860-229-6847
http://www.cwresources.org/cec.htm

Institute of Technology and Business Development
185Main St.
New Briton, CT 06051
860-827-7966
www.ccsu.edu/itbd/default.html

Florida
Bay County Small Business Incubator
2500 Minnesota Ave.
Lynn Haven, FL 32444
850-271-1107
Fax: 850-271-1109
http://www.nfci.org/resource.htm

Business and Emerging Technology Accelerator
317 Centre St.
Amelia Island, FL 32034
904-261-4334
http://www.beta-1.com/

Center for Technology, Enterprise and Development
33 Southeast 1st Ave., Suite 102
Delray Beach, FL 33444
561-265-3790
866-353-3790
Fax: 561-265-0806
http://www.tedcenter.org/

Business Development Center
3901 Dr. Martin Luther King Jr. Blvd.
Fort Myers, FL 33916
239-332-6701
http://www.cityftmyers.com/departments/BDC/bdc.htm

Central Florida Community Development Corp.
847 Orange Ave.
Daytona Beach, FL 32114
386-258-7520
Fax: 386-238-3428
info@cfcdc.com
http://www.cfcdc.com/

Enterprise Development Corporation of South Florida
3701 FAU Boulevard, Suite 210
Boca Raton, FL 33431
561-620-8494
Fax: 561-620-8493
edcinfo@edc-tech.org
http://www.edc-tech.org/

Enterprise North Florida Corporation
4905 Belfort Road, Suite 110
Jacksonville, FL 32256
800-659-4744
904-730-4700
Fax: 904-730-4711
http://www.enfc.org/

Technology Research and Development Authority
5195 South Washington Avenue
Titusville, FL 32780
321-269-6330
Fax: 321-383-5260
admin@trda.org
http://www.trda.org/

Gainesville Technology Enterprise Center
2153 Hawthorne Road
Suite 101
Gainesville, FL 32641
352-393-6000
Fax: 352-393-6015
http://www.gtecflorida.com/

Seminole Technology Business Incubation Center
1445 Dolgner Place
Sanford, FL 32771
407-321-3495
Fax: 407-321-4184
hardyw@scc-fl.edu
http://www.seminoleinc.com/

Sid Martin
Biotechnology Development Incubator
12085 Research Drive
Alachua, FL 32615
386-462-0880
Fax: 386-462-0875
http://www.biotech.ufl.org/

University of Central Florida Technology Incubator
12565 Research Parkway, Suite 300
Orlando, FL 32826
407-882-0202
Fax: 407-737-2512
www.incubator.ucf.edu/frameset.html

Center for Entrepreneurship
13101 Telecom Dr., Suite 105
Tampa, FL 33637-0914
813-974-7900
Fax: 813-558-1102
ce@coba.usf.edu
http://www.entrepreneurship.usf.edu/

USF Research Foundation
Research Foundation, Inc.
University of South Florida
4202 East Fowler Avenue, FAO126
Tampa, FL 33620-7900
813-974-0994
http://www.research.usf.edu/rf/

Georgia
Advanced Technology Development Center
Georgia Institute of Technology
75 Fifth Street, N.W., Suite 100
Atlanta, GA 30308 USA
404-894-3575
Fax: 404-894-4545
http://www.atdc.org/

Augusta-Richmond County Small Business Incubator
3140 Augusta Tech Drive
Augusta, GA 30906-3381
706-792-9044
Fax: 706-792-9905
lgidding@augustatech.org
http://www.arcsbi.com/index.asp

Intelligent Systems Corporation
Incubator Program
Bonnie Herron
Director
4355 Shackleford Road
Norcross, GA 30093
770-564-5504
bherron@intelsys.com
http://www.intelsys.com/

Office of Technology Transfer and Economic Development
Building CJ (Pavilion III)
Room 3301
Medical College of Georgia
Augusta, GA 30912
706-721-9822
Fax: 706-721-2917
mgabridge@mail.mcg.edu
www.mcg.edu/research/techtransfer/

South Dekalb Business Incubator
1599-A Memorial Drive, S. E.
Atlanta, GA 30317
404-329-4500
Fax: 404-378-0768
http://www.sdbusinc.org/

Southwest Georgia Business
Development Center
1150 Industrial Drive
Vienna, GA 31092
229-268-8944
foster2@sowega.net
http://www.crispdooly.org/
 
Advanced Technology Development Center
Georgia Institute of Technology
75 Fifth Street, NW, Suite 100
Atlanta,GA 30308
404-894-3575
Fax: 404-894-4545
www.atdc.org

Augusta-Richmond County Small Business Incubator
3140 Augusta Tech Drive
Augusta, GA 30906-3381
706-792-9044
Fax: 706-792-9905
www.arcsbi.com

The City of Savannah
The Savannah Entrepreneurial Center
801 E. Gwinnett Street
Savannah, GA 31401
912-652-3582
Fax: 912-652-3175
www.ci.savannah.ga.us

eCommerce Institute
J. Mack Robinson College of Business
35 Broad Street, NW, Suite 400
Atlanta, GA 30303
404-651-3887
www.eci.gsu.edu

Fulton County Business Incubator
5534 Old National Highway
Building H, Suite 300
College Park, GA 30349
404-836-7700
Fax: 404-836-7712
www.fcbi.org

Paparelli Ventures
180 Interstate North Pkwy, Suite 260
Atlanta, GA 30339
770-618-8377 ext 288
Fax: 770-618-8365
www.paparelli.com

PhaseNet LLC
4080 McGinnis Ferry Rd., Suite 103
Alpharetta, GA 30005
770-777-9616
www.phasenet.com

South DeKalb Business Incubator
1599-A Memorial Drive, SE
Atlanta, GA 30317
404-329-4500
Fax: 404-378-0768
http://sdbusinc.org

Hawaii
Hawaii Health Care Business Incubator
Harbor Court
55 Merchant Street
Suite 2500
Honolulu, HI 96813
808-587-4777
Fax: 808-587-4780
info@hhcbi.com
http://www.hhcbi.com/

High Technology Development Corporation
Manoa Innovation Center, Suite 100
2800 Woodlawn Drive
Honolulu, HI 96822
808-539-3806
htdc@htdc.org,
http://www.htdc.org/

Pacific Gateway Center
720 North King Street
Honolulu, HI 96817
808-845-3918
Fax: 808-842-1962
http://www.pacificgateway.org/

Hawaii Business and Entrepreneur Acceleration Mentors
Alii Tower. Suite 1800
1099 Alakea Street
Honolulu, HI 96813
808-547-5735
Fax: 808-547-5880
www.hibeam.org

Hawaii Health Care Business Incubator
55 Merchant Street, Suite 2500
Honolulu, HI 96813
808-587-4777
Fax: 808-587-4780
www.hhcbi.com

High Technology Development Corporation
Manoa Innovation Center
2800 Woodlawn Drive, Suite 100
Honolulu, HI 96822
808-539-3600
Fax: 808-539-3614
www.htdc.org/mic

Maui Research & Technology Center
590 Lipoa Parkway
Kihei, HI 96753
808-875-2320
www.mrtc.org

Idaho
Bonner Business Center
804 Airport Way
Sandpoint, ID 83864
208-263-4073
Fax: 208-263-4609
http://sandpoint.org/bbc/

Panhandle Area Council
11100 N. Airport Drive
Hayden, ID 83835
208-772-0584
Fax: 208-772-6196
http://www.pacni.org/pachome.htm

University of Idaho Business Technology Incubator
121 Sweet Avenue
Moscow, ID 83843
208-885-3800
Fax: 208-885-3803
edc@moscow.com
http://www.bti.uro.uidaho.edu/

Illinois
Business Center of Decatur
2121 S. Imboden Ct.
Decatur, IL 62521
217-423-2832
Fax: 217-423-7214
http://www.decaturcenter.com/bcod1.htm

Des Plaines River Valley Enterprise Zone
Joliet City Center Partnership
116 N. Chicago St., Suite 101
Joliet, IL 60432
815-723-1800
http://www.jolietdowntown.com/contact.asp

EnterpriseWorks
60 Hazelwood Drive
Champaign, IL 61820
217-333-8324
http://www.tech.com/enterpriseworks/

Industrial Council of Nearwest Chicago
Fulton Carroll Center
2023 W. Carroll Ave., Suite 200
Chicago, IL 60612
312-421-3941
Fax: 312-421-1871
http://www.industrialcouncil.com/

Lincoln Trail eCommerce Enterprises, Inc.
408 South Cross Street
Robinson, IL 62454
618-544-5374
Fax: 618-544-5453
staff@bizbuilder.org
http://www.bizbuilder.org/default.asp

Office Of Strategic Initiatives
Northwestern University
1801 Maple Avenue
Evanston, IL 60201-3135
847-491-7600
Fax: 847-491-4486
mary-kelly@northwestern.edu
http://www.northwestern.edu/research/osi/

Quincy Business & Technology Center
Les McKenzie/Executive Director
301 Oak Street
Quincy, IL 62301
217-228-5500
Fax: 217-228-5501
http://www.quincynet.com/qbtc/

Turner Center For Entrepreneurship
1501 W. Bradley Ave.
141 Jobst Hall
Peoria, IL 61625
309-677-4321
Fax: 309-677-3386
http://www.bradley.edu/turnercenter/

Technology Innovation Center
1840 Oak Ave.
Evanston, IL 60201
800-523-5883
847-864-0800
http://www.theincubator.com/

Area Jobs Development Association
P.O. Box 845
Kankakee, IL 60901-0845
815-933-2537
Fax: 815-933-9919
www.ci.kankakee.il.us/economic.html

Arts Bridge
At The Athenaeum Theater Building
2936 North Southport, Suite 210
Chicago, IL 60657-4210
773-935-6860
Fax: 773-935-6878
www.artsbridge.org

Business Service Center
7500 S. Pulaski Road, Building 200
Chicago, IL 60652-1299
773-838-0300
Fax: 773-838-0303
http://daley.ccc.edu/courses/business_training.shtml

Chicago Technology Park Research Center
2201 W. Campbell Park Drive
Chicago, IL 60612
312-829-7252
Fax: 312-633-3438
www.imdc.org/CTP

Gaebler Ventures Business Incubator
641 West Lake Street, Suite 100
Chicago, IL 60661
312-207-1190, ext 102
Fax: 312-207-1192
www.gaebler.com

Galesburg Business & Technology Center
3000 Log City Trail
Galesburg, IL 61401
309-343-3002
Fax: 309-345-3526
www.galesburgbtc.org

The Incubator
Evanston Business & Technology Center
1840 Oak Avenue
Evanston,IL 60201
800-523-5883
847-864-0800
Fax: 847-866-1808
www.theincubator.com