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Small Business
NORTH FLORIDA EDITION 2020
resource guide
GROW YOUR BUSINESS
in north florida
1
2
CONTENTS
North Florida Edition 2020
Local Business Funding
Assistance Programs
8 National Success Story 24 National Success Story
Jerado and Joyce Reynolds Jennifer and Jeff Herbert’s
know their local landscape for meadery has expanded into a
entrepreneurship support. multimillion dollar enterprise
thanks to SBA assistance.
11 Local SBA Resource
Partners 27 SBA Lenders
13 Your Advocates 33 Need Financing?
14 How to Start a Business 34 Go Global with
International Trade
18 Entrepreneurial
Opportunities 36 R&D Opportunities for
High Growth Startups
20 Opportunities for Veterans
38 National Success Story
21 Local Success Story Cheeseburger Baby owner
Stephanie Vitori persevered
22 Write Your Business Plan through a financial storm and a
natural disaster.
42 Surety Bonds
Contracting
44 National Success Story
Jennifer Rahn steers the course
for Admiral Engineering,
succeeding as a small business
subcontractor.
48 SBA Certification
Programs
49 Woman-Owned Small
Business certification
ON THE COVER Skyline on Jacksonville,
photo by David Mark on Pixabay; Stephanie
Vitori, courtesy of the SBA; Adriana Medina,
courtesy of the SBA
3
4
5
PUBLISHED BY
New South Media, Inc.
304.413.0104 | newsouthmedia.com
PUBLISHER
Nikki Bowman, nikki@newsouthmediainc.com
DESIGNER
Hayley Richard, hayley@newsouthmediainc.com
ASSOCIATE EDITORS
Pam Kasey, pam@newsouthmediainc.com
Jess Walker, jess@newsouthmediainc.com
OPER ATIONS MANAGER
Holly Leleux-Thubron, holly@newsouthmediainc.com
ADVERTISING SALES DIRECTOR
Heather Mills, heather@newsouthmediainc.com
ADVERTISING SALES
Meggan Hoyman, Kelley McGinnis, Bryson Taylor
sba@newsouthmediainc.com
Copyright: New South Media, Inc. Reproduction in part or whole is strictly prohib-
ited without the express written permission of the publisher.
© 2019 NEW SOUTH MEDIA, INC., ALL RIGHTS RESERVED
The U.S. Small Business Administration’s Office of Marketing & Customer Service directs
the publication of the Small Business Resource Guide under SBA Contract #SBAHQ-
17-C-0018. SBA publication summer 2019 national edition #mcs-0089.
WRITER/EDITOR
Becky Bosshart
(202) 205-6677
rebecca.bosshart@sba.gov
DIRECTOR OF MARKETING
Paula Panissidi Tavares
paula.tavares@sba.gov
The SBA’s participation in this publication is not an endorsement of the views,
opinions, products or services of the contractor or any advertiser or other participant
appearing here. All SBA programs and services are extended to the public on a nondis-
criminatory basis.
Directory listings do not constitute or imply an endorsement by the SBA of any
opinions, products, or services of any private individual or entity.
Printed in the United States of America.
While every reasonable effort has been made to ensure that the information con-
tained here is accurate as of the date of publication, the information is subject to
change without notice. The contractor that publishes this guide, the federal govern-
ment, or agents thereof shall not be held liable for any damages arising from the use
of or reliance on the information contained in this publication.
6
SBA North Florida District Office
7825 Baymeadows Way, suite 100B Orlando Office
Jacksonville, FL 32256 200 E. Robinson St., suite 1270
(904) 443-1900 (407) 648-2891
Fax (202) 481-2712
Fax (904) 443-1980
sba.gov/fl/north
@SBA_NorthFL
District Director Letter
District Director Business Opportunity Specialists Trial Attorney
Wilfredo J. Gonzalez Jay W. Choi Lisa S. Still
wilfredo.gonzalez@sba.gov jay.choi@sba.gov lisa.still@sba.gov
Carmen E. Gonzalez
Deputy District Director Procurement Center Representatives
carmen.gonzalez@sba.gov
Gilbert Colón Arleen L. Boyd-Alston
gilbert.colon@sba.gov Leticia D. Clark (904) 542-6220
tisa.clark@sba.gov arleen.boyd-alston@sba.gov
Public Affairs Specialist
Derrick D. Willoughby Thomas Van Horn
Nayana Sen
derrick.willoughby@sba.gov (407) 380-8252
nayana.sen@sba.gov
thomas.vanhorn@sba.gov
Economic Development Specialist/
Administrative Officer
Veteran’s Representative Business Opportunity Specialist/
Jacqueline L. Gardner
Natalie C. Hall HUBZone Liaison Officer
jacqueline.gardner@sba.gov
natalie.hall@sba.gov Jay W. Choi
Orlando Senior Area Manager jay.choi@sba.gov
Economic Development Specialist/
Jose "Ed" Ramos
Women’s Business Representative Supervisory Business Opportunity
jose.ramos@sba.gov
Thaddeus D. Hammond Specialist/HUBZone Liaison Officer
Supervisory Business thaddeus.hammond@sba.gov Kenneth R. Hamilton
Opportunity Specialist kenneth.hamilton@sba.gov
Lender Relations Specialist
Kenneth R. Hamilton
Rosalind D. Bryant Office of International Trade Northern
kenneth.hamilton@sba.gov
rosalind.bryant@sba.gov Florida Regional Manager
Supervisory Lender Relations Sandro Murtas
Specialist (727) 464-7177
James Van Horn
james.vanhorn@sba.gov
PHOTO BY DAVID MARK ON PIXABAY
7
LOCAL BUSINESS
ASSISTANCE
How We Did It
Made
to Last
Joyce and Jerado Reynolds used SBA
support to succeed.
Written by Micaela Morrissette
COURTESY OF SHANA SURECK PHOTOGRAPHY
8
LOCAL BUSINESS ASSISTANCE
R 5
eynolds Welding &
Tips for
Fabrication has grown
steadily, building a loyal
customer base, since
Jerado Reynolds founded
the company in 2005. Success
COURTESY OF SHANA SURECK PHOTOGRAPHY
“At first the company was just Jerado,”
recalls his wife and co-owner, Joyce
Find a great business mentor.
Reynolds. “Then it was him and me part To find your local SBA office and
time.” During the day she worked as a resource partners in your area, visit
nurse and spent her evenings doing all sba.gov/localresources.
the company’s paperwork. The Reynolds
sank everything they earned into the
business—money, time, and energy. She Have a healthy view
remembers with pride helping Jerado
of competition.
weld a stair railing at a local school. Her
We’re not always competing.
son later attended that same school,
We’re a competitor, but if a similar
and she watched her child and others business has extra work, they’ll send
SBA Resource Partner, where “from day
using the rail, benefiting from the it to us and vice versa. That’s the
one it was, Eureka! Everyone wanted
hard work the couple did together. It relationship to have.
to see us win.” Women entrepreneurs
was then Joyce decided as much as she
receive essential business counseling and
loved her day job, she wanted to devote
training from this national network of
herself full time to the family business Record everything you do.
community-based centers. Most helpful
in Windsor, Connecticut. She wanted Navigating business relationships
was the detailed personal attention
to work side-by-side with her husband, in this age means keeping an email
available through free one-on-one
fully focused on administration and record of everything you do. Leave a
business counseling. Joyce also learned
business growth. As they both hoped, clear paper trail.
about workshops offered by providers like
word of mouth spread; clients made
the Metropolitan District, a Connecticut
referrals. Joyce was soon overwhelmed
nonprofit municipal corporation offering
with paperwork. They brought on two
water and sewer services. At a meet- Sacrifice to ensure quality.
employees—doubling up in the busy We don’t cut corners. Sometimes you
and-greet, Joyce understood how much
seasons. They were able to maintain four have to lose money to do quality work—
the SBA could help her business. An
full-time employees by 2009. After this, it’s rough, but nothing is more important.
SBA professional walked Joyce through
Joyce says, they saw that “things were
the extensive paperwork and, crucially,
not moving.” She wanted to scale up.
helped her register the company in
the System for Award Management
Seek SBA assistance to
Challenge
The company wasn’t growing in part (sam.gov), positioning the company for see if you qualify for
because it wasn’t certified with the new federal contracts. business certifications.
state department of transportation or “Resources like the Entrepreneurial We used to look for jobs. Now that
prequalified with the Connecticut State Center and the SBA will train you from we’re on the SBA Subcontracting
Department of Administrative Services, bottom to top,” Joyce says. “They have Network database, SubNet, and
Joyce says. She decided to tackle the finance classes that open your eyes sam.gov, we have a continuous flow
regarding taxes. You'll learn how to of contractors reaching out to us.
certification problem full time, leaving
her nursing career. This was the change register your business. They’ll help
she'd been wanting to make, but since with a contract or your website or on two bridges—a lifelong dream. Joyce
her background was in health care, accountability statements. Everything!” continues to move forward, getting
Joyce didn’t feel fluent in the languages Before the SBA, Reynolds Welding Reynolds qualified for the SBA 8(a)
of construction or business. Joyce attempted the DOT certification on five Business Development Program, which
wanted to learn, and she had incentive: separate occasions, always falling short provides free business development
they needed the certifications to bid because the process was so complicated. education to small businesses so they
on bigger jobs. “Never be afraid to ask Joyce secured the certification with SBA can better compete in the public sector.
questions,” she says. Joyce needed to guidance on the first attempt. “When I came on full time, I set a goal
find people with answers. for what I would like for the company,
Benefit and I’ve achieved 80% of that,” Joyce
Solution Reynolds Welding now employs more says. When she secures 8(a) certification
She and Jerado connected with the than 15 workers, constructing stairs, for Reynolds, she’ll have hit all her
University of Hartford Entrepreneurial rails, structural beams, and columns objectives. Then, she admits, she’ll
Center & Women’s Business Center, an throughout the region. Jerado is working probably come up with some new ones.
9
LOCAL BUSINESS ASSISTANCE
SBA Resource Partners
No matter your industry, location, or experience, if you have a dream, the SBA is here to help you achieve it. Our SBA
Resource Partners offer mentoring, counseling, and training to help you startup and thrive at all stages of the business
life cycle. These independent organizations operating across the United States and U.S. territories are funded through SBA
cooperative agreements or grants.
SMALL BUSINESS DEVELOPMENT CENTERS
950+
Achieve your dream of business ownership and remain
competitive in an ever-changing global economy with assistance
from your local SBDC. Access free counseling and free or low-
cost training on topics like regulatory compliance, technology
Small Business development, and international trade. Find an SBDC adviser at
sba.gov/sbdc.
Development Centers
SCORE
300+
Join the ranks of other business owners who have experienced
higher revenues and increased growth thanks to SCORE, the nation’s
largest network of volunteer business mentors. Experienced
executives share real-world knowledge to fit your busy schedule.
SCORE chapters SCORE mentors are available for free as often as you need, in person,
via email or over video chat. Find a mentor at sba.gov/score.
WOMEN’S BUSINESS CENTERS
100+
Women entrepreneurs receive essential business counseling and
training from this national network of community-based centers.
Each center tailors its services to help you navigate the challenges
women often face when starting or growing a business. To learn
about SBA resources for women visit sba.gov/women.
Women’s Business
Centers
VETERANS BUSINESS OUTREACH CENTERS
20 +
Veteran and military entrepreneurs receive business training,
counseling, and referrals to other SBA Resource Partners at
a Veterans Business Outreach Center, sba.gov/vboc. Receive
procurement guidance to better compete for government
contracts. VBOCs also serve active duty service members,
Veterans Business National Guard or Reserve members, veterans of any era, and
Outreach Centers military spouses.
10LOCAL BUSINESS ASSISTANCE
Our Local SBA
Resource Partners
SBA’s Resource Partners are independent organizations funded through SBA cooperative
agreements or grants.
SCORE
Visit sba.gov/score to start working on your
business goals. Contact your local office to
schedule an appointment.
Citrus County Chapter
3810 S. Lecanto Highway
Building C1-101w
Lecanto
(352) 249-1236
citruschapter@live.com
Jacksonville Chapter
7825 Baymeadows Way, suite 100b
Jacksonville
(904) 443-1911
jacksonville.score.org
Volusia/Flagler Chapter
149 S. Ridgewood Ave., suite 301
Daytona Beach
(386) 255-6889
info@score87.org
Panama City Chapter
FSU Business Innovation Center
4750 Collegiate Drive
Panama City
(850) 257-3453
panamacity.score.org
Orlando Chapter
3201 E. Colonial Drive, suite A-20
Orlando
(407) 420-4843
score@floridanec.org
Space Coast Chapter
1600 Sarno Road, suite 205
Melbourne
COURTESY OF THE SBA
(321) 254-2288
spacecoast.score.org
Arthur and Sandra Johnson, owners
of 21 Short Stop in Georgia, received
assistance from their local Small Business
Development Center and SCORE chapter.
11LOCAL BUSINESS ASSISTANCE
North Central Florida Chapter Mount Dora SBDC
101 SE Second Place, suite 104 17521 US Highway 441, suite #6 O'Connor Belting, a Delaware family-
owned business, expanded with the
Gainesville (352) 602-4575 help of an SBA-guaranteed 7(a) loan.
(352) 375-8278
Ocala SBDC
chapter408@scoregainesville.org
College of Central Florida Enterprise Center
Mid-Florida Chapter 3003 SW College Road, building 42, suite 105
11962 Circle 101, suite 302 #259 (352) 622-8763 or (866) 998-8332
The Villages Orlando SBDC
(352) 399-0050 3201 E. Colonial Drive, suite A-20
midfloridascore@volunteer.org (407) 420-4850
Small Palatka SBDC
Palatka Welcome Center
Business 900 St. Johns Ave.
(386) 666-1082
Development Palm Coast SBDC
Palm Coast Business Assistance Center
Centers 160 Lake Ave.
COURTESY OF THE SBA
(386) 986-4786
floridasbdc.org
Panama City SBDC
Brooksville SBDC
14101 Panama City Beach Parkway #200
Greater Hernando Chamber of Commerce
(located in Carr, Riggs, and Ingram CPAs)
15588 Aviation Loop Drive
(850) 818-0570 or 0571
(352) 796-0697
Daytona Beach SBDC Pensacola Downtown SBDC
1200 W. International
Speedway Blvd., building 150, suite 300
Greater Pensacola Chamber
890 S. Palafox St., suite 202 Veterans
(386) 506-4723
Fleming Island SBDC
(850) 912-4434 or (850) 912-4435
Pensacola SBDC
Business
Clay County Chamber of Commerce
1845 Town Center Blvd., building #410
9999 University Parkway
(850) 474-2528
Outreach
(904) 621.5030
Fort Walton Beach SBDC
Sanford SBDC
Seminole State College
Center
815 Beal Parkway NW, suite A 1445 Dolgner Place Florida Veterans Business
(850) 586-7809 (407) 321-3495 Outreach Center
Gainesville SBDC Monday-Friday 8 a.m.– 4 p.m.
St. Augustine SBDC
Gainesville Technology Enterprise Center Director Brent Peacock
St. Johns County Growth Management
2153 SE Hawthorne Road, suite 139 Gulf Coast State College
Permit Center
(352) 334-7230 or (866) 998-8332 Asbell Business Building, room 206
4040 Lewis Speedway
Panama City
Gretna SBDC (904) 209-1295
(800) 542-7232 x01
14615 E. Main St. Tallahassee SBDC vboc.org
(850) 561-2036 625 E. Tennessee St.
Groveland SBDC
The Suites at Hunt Industrial Park
(850) 599-3407
Wildwood SBDC
Jacksonville
15430 County Road 565A, suite F
(352) 404-7338
The Villages Sumter County
Service Center
Women’s
Jacksonville SBDC
UNF Adam W. Herbert University Center
7375 Powell Road, suite 140
(352) 689-4449
Business
12000 Alumni Drive
(904) 620-2476
Yulee SBDC
Page Government Complex
Center
Director Ellen Sullivan
Live Oak SBDC 96135 Nassau Place, suite 1 3 Independent Drive
Suwannee County Chamber of Commerce (904) 530-6027 (904) 366-6640
212 N. Ohio Ave. jaxchamberfoundation.org/
(386) 362-1782 jacksonville-womens-business-center
12LOCAL BUSINESS ASSISTANCE
Your To report how a proposed federal
regulation could unfairly affect you,
Advocates
find your regional SBA advocate at
sba.gov/advocacy.
To submit a comment about how
your business has been hurt by an
existing regulation, visit
The SBA’s offices of advocacy and ombudsman are sba.gov/ombudsman/comments
independent voices for small business within the
federal government.
Advocacy
When you need a voice within the federal »» when you need economic and small »» seek remedies when rules are
government for your interests as a small business statistics inconsistently applied
business owner, the SBA’s regional advocates The SBA’s Office of Advocacy also »» recover payment for services done by
are here to assist. The advocates analyze the independently represents small business and government contractors
effects of proposed regulations and consider advances its concerns before Congress, the
alternatives that minimize the economic White House, federal agencies, federal courts, Make your voice heard by participating in a
burden on small businesses, governmental and state policy makers. Regional Regulatory Enforcement Fairness
jurisdictions, and nonprofits. Find your Roundtable or a public hearing hosted by the
regional advocate at sba.gov/advocacy. Ombudsman SBA’s national ombudsman. These events
Entrepreneurs who have an issue with an are posted periodically on the ombudsman
Your advocate helps with these small
existing federal regulation or policy can website, sba.gov/ombudsman.
business issues:
receive assistance from the SBA’s national To submit a comment or complaint through
»» if your business could be negatively ombudsman. the online form, visit sba.gov/ombudsman/
affected by regulations proposed by the comments. Your concerns will be directed to
The ombudsman’s office helps you:
government the appropriate federal agency for review. The
»» if you have contracting issues with a »» resolve regulatory disputes with federal SBA will collaborate with you and the agency
agencies to help resolve the issue.
federal agency
»» reduce unfair penalties and fines
13LOCAL BUSINESS ASSISTANCE
COURTESY OF THE SBA
Adriana Medina, owner of
Fuerte Fitness, in Seattle, WA,
received counseling from a
SCORE mentor and a Women's
Business Center adviser.
How to Start a Business
in North Florida
Thinking of starting a business? Here are the nuts & bolts.
https://cbb.census.gov/sbe. Filter your
The Startup Logistics Name Registration
search by business type and location to
Even if you’re running a home-based Register your business name with the
view data on your potential customers,
business, you will have to comply with county clerk where your business is
including consumer spending, and a
many local, state, and federal regulations. located. If you’re a corporation, also register
summary of existing businesses, available
Do not ignore regulatory details. You may with the state.
as a map and a report.
avoid some red tape in the beginning, but
your lack of compliance could become Taxes
an obstacle as your business grows.
Business License & Zoning As a business owner, you should know
Licenses are typically administered by a
Taking the time to research regulations your federal tax responsibilities and make
variety of state and local departments.
is as important as knowing your market. some business decisions to comply with
It is important to consider zoning
Carefully investigate the laws affecting certain tax requirements. The IRS Small
regulations when choosing a site for your
your industry. Being out of compliance Business and Self-Employed Tax Center,
business. Contact the local business
could leave you unprotected legally, lead go.usa.gov/xPxYR, offers information on
license office where you plan to locate
to expensive penalties, and jeopardize a variety of topics including: obtaining an
your business. You may not be permitted
your business. Employer Identification Number, paying
to conduct business out of your home and filing income tax, virtual workshops,
or engage in industrial activity in a
Market Research forms, and publications.
retail district.
Need to do research on your clients and As the IRS continues to implement some
location? View consumer and business »» Division of Corporations of the Tax Cuts and Jobs Act provisions, your
data for your area using the Census (850) 245-6058 tax obligations may change. Visit the Tax
Business Builder: Small Business Edition, sunbiz.org Reform Provisions that Affect Businesses
14LOCAL BUSINESS ASSISTANCE
COURTESY OF THE SBA
An O’Fallon Casting Inc. employee at
work in O’Fallon, MO. General Manager
Vince Gimeno grew his business thanks
to the Small Business Innovation
Research Program.
page on irs.gov for the latest tax reform Tallahassee Citizenship and Immigration Service offers
updates that affect your bottom line. 1211 Governor’s Square Blvd. information and assistance through uscis.
»» IRS Tax Assistance Centers (850) 402-8659 gov/i-9-central. For forms call (800) 870-
To make an appointment at any location »» State Taxes 3676. For the employer hotline call (888)
contact (844) 545-5640. Open Monday- Florida Department of Revenue 464-4218 or email I-9central@dhs.gov.
Friday 8:30 a.m.- 4:30 p.m. Taxpayer Services, Sales Tax E-Verify, operated by the Department
Information of Homeland Security in partnership
Daytona Beach/Holly Hill
(800) 352-3671 with the Social Security Administration,
149 S. Ridgewood Ave.
dor.myflorida.com electronically verifies the Social Security
Daytona Beach
number and employment eligibility
(386) 254-7360 Social Security information reported on Form I-9. It’s the
Jacksonville If you have any employees, including quickest way for employers to determine
400 W. Bay St. officers of a corporation but not the the employment eligibility of new hires.
(904) 665-1040 sole proprietor or partners, you must Visit e-verify.gov, call (888) 464-4218 or
Lakeland make periodic payments, and/or file email e-verify@dhs.gov.
2133 Harden Blvd. quarterly reports about payroll taxes
(863) 904-3399 and other mandatory deductions.
You can contact the IRS or the Social Health & Safety
Maitland/Orlando All businesses with employees are required
Security Administration for information,
850 Trafalgar Court to comply with state and federal regulations
assistance, and forms, at (800) 772-1213
Maitland regarding the protection of employees, visit
or visit socialsecurity.gov/employer. You
(321) 441-2586 dol.gov for information. The Occupational
can file W-2s online or verify job seekers
Ocala through the Social Security Number Safety and Health Administration provides
3300 SW 34th Ave. Verification Service. information on the specific health
(352) 401-0010 and safety standards used by the U.S.
Panama City
Employment Eligibility Department of Labor. Call (800) 321-6742 or
651-F W. 14th St. Verification visit osha.gov.
(850) 481-4016 The Federal Immigration Reform and »» U.S. Labor Department-Wage & Hour
Control Act of 1986 requires employers Division
Pensacola
to verify employment eligibility of 400 W. Bay St, Jacksonville
7180 Ninth Ave. N
new employees. The law obligates (904) 359-9292
(850) 475-7360
an employer to process Employment usdol.gov
Eligibility Verification Form I-9. The U.S.
15LOCAL BUSINESS ASSISTANCE
»» OSHA support. Download the fact sheet about and service marks may be registered
5807 Breckenridge Parkway A the Employer’s Role in the Child Support at both the state and federal level. The
Tampa Program at the Office of Child Support U.S. Patent and Trademark Office only
(813) 626-1177 Enforcement’s website at acf.hhs.gov/ registers federal trademarks and service
programs/css > employer responsibilities. marks. Federally registered trademarks
Employee Insurance You can also find information about other may conflict with and supersede those
Check with your state laws to see if you employer responsibilities and tools that can registered only at the state level. Visit
are required to provide unemployment or make meeting those responsibilities easier, uspto.gov/trademarks.
workers’ compensation insurance for your such as electronic income withholding Copyrights protect original works of
employees. For health insurance options, call orders and the Child Support Portal. Send authorship including literary, dramatic,
the Small Business Health Options Program questions to employerservices@acf.hhs.gov. musical and artistic, and certain other
at (800) 706-7893 or visit healthcare.gov/ intellectual works. Copyrights do not
»» Child Support Customer Service
small-businesses/employers. protect facts, ideas, and systems,
(850) 488-5437
Department of Labor Association Health although they may protect the way they
Plans allow small businesses, including are expressed.
Intellectual Property
self-employed workers, to band together by For general information contact:
Patents, trademarks, and copyrights are
geography or industry to obtain healthcare types of intellectual property that serve »» U.S. Copyright Office
coverage as if they were a single large to protect creations and innovations. U.S. Library of Congress
employer. For information, visit dol.gov/ The United States Patent and Trademark James Madison Memorial Building
general/topic/association-health-plans. Office is the federal agency that grants 101 Independence Ave. SE
U.S. patents and registers trademarks. Washington, DC
Environmental For information and resources about (202) 707-3000 or toll free (877) 476-0778
Regulations U.S. patents and federally registered copyright.gov
State assistance is available for small trademarks consult uspto.gov. Call the
Chambers of
businesses that must comply with patent and trademark office help center
environmental regulations under the Clean at (800) 786-9199 or visit Texas Regional
Air Act. State Small Business Environmental
Assistance programs provide free and
Office in Dallas, uspto.gov/texas.
A patent for an invention is the grant of Commerce
confidential assistance to help small a property right to an inventor, issued by
business owners understand and comply the U.S. patent office. The right conferred African American Chamber of
with complex environmental regulations by the patent grant is the right to exclude Central Florida
and permitting requirements. These state others from making, using, offering for sale, (407) 420-4840
programs can help businesses reduce or selling the invention in the United States
emissions at the source, often reducing or importing the invention into the country. Asian American Chamber
regulatory burden and saving you money. For information visit uspto.gov/inventors. (407) 999-7854
To learn more about these free services visit There are three types of patents:
nationalsbeap.org/states/list. • Utility patents may be granted to Hispanic Chamber of Central
anyone who invents or discovers any Florida
Accessibility and new and useful process, machine, (407) 428-5870
ADA Compliance manufacture, or composition of matter,
For assistance with the Americans with or any new and useful improvement. Orlando region
Disabilities Act, call the ADA Center at (800) • Design patents may be granted to (407) 835-8005
949-4232 or the Department of Justice at anyone who invents a new, original,
(800) 514-0301. Direct questions about and ornamental design for an article Amelia Island/Fernandina/Yulee
accessible design and the ADA standards to of manufacture. (904) 261-3248
the U.S. Access Board at (800) 872-2253, TTY • Plant patents may be granted to
(800) 993-2822, ta@access-board.gov or anyone who invents or discovers and Bay County
visit access-board.gov. (850) 215-3761
asexually reproduces any distinct and
new variety of plant, other than a tuber
Child Support Central FL-Caribbean
propagated plant or a plant found in an
Employers are essential to the success of the (407) 491-9192
uncultivated state.
child support program and are responsible A trademark or service mark includes
for collecting 75% of support nationwide West Volusia
any word, name, symbol, device, or
through payroll deductions. The Office (386) 775-2793
any combination, used or intended to
of Child Support Enforcement at Health be used to identify and distinguish the
and Human Services offers employers Clay County
goods/services of one seller or provider
step-by-step instructions for processing (904) 394-7199
from those of others and to indicate the
income withholding orders for child source of the goods/services. Trademarks
16LOCAL BUSINESS ASSISTANCE
DeLand Baker Lake
(386) 734-4331 bakercountyfl.org lakecountyfl.com
Deltona Bay Leon
(386) 490-4606 co.bay.fl.us leoncountyfl.gov
First Coast Hispanic Chamber Bradford Levy
(904) 994-3553 bradford-co-fla.org levycounty.org
Indo-US Chamber of North East Calhoun Liberty
calhounco.org libertybocc.com
Florida
(904) 728-6397
Citrus Madison
bocc.citrus.fl.us madisoncountyfl.com
Jacksonville
(904) 366-6651 Clay Marion
claycountygov.com marioncountyfl.org
Flagler County
(386) 437-0106 Columbia Nassau
columbiacountyfla.com nassaucountyfl.com
Florida Black Chamber
(850) 433-0593 Dixie Okaloosa
dixie.fl.gov co.okaloosa.fl.us
Pensacola
(850) 438-4081 Duval Orange
coj.net orangecountyfl.net
Jackson County
(850) 482-8060 Escambia Putnam
myescambia.com putnam-fl.com/bocc
Maitland
(407) 644-0741 Flagler Santa Rosa
flaglercounty.org santarosa.fl.gov
Ponte Vedra Beach
(904) 285-2004 Franklin Seminole
franklincountyflorida.com seminolecountyfl.gov
Putnam County
(386) 328-1503 Gadsden St. Johns
gadsdengov.net co.st-johns.fl.us
St. Johns County
(904) 829-5681 Gilchrist Sumter
gilchrist.fl.us sumtercountyfl.gov
Tavares
(352) 343-2531
Gulf Suwannee
gulfcountygovernment.com suwcounty.org
Economic Hamilton
hamiltoncountyflorida.com
Taylor
taylorcountygov.com
Development Hernando Union
hernandocounty.us unioncounty-fl.gov
Department of Economic
Opportunity Holmes Volusia
107 E. Madison St., Caldwell Building holmescountyonline.com volusia.org
Tallahassee Jackson Wakulla
(850) 717-8519 jacksonclerk.com mywakulla.com
floridajobs.org
Jefferson Walton
Alachua jeffersoncountyfl.gov co.walton.fl.us
alachuacounty.us
Lafayette Washington
lafayetteclerk.com washingtonfl.com
17LOCAL BUSINESS ASSISTANCE
Entrepreneurial
Opportunities
Regional Innovation Clusters
Create jobs and grow the economy through an SBA Regional
Innovation Cluster. Online Resources
Find free short courses and learning
Who should join
Small businesses driving innovation in one of these tech industries: tools to start and grow your small
• advanced composites business at sba.gov/learning. The
free SBA Online Learning Center is a
• agTech
great resource for every entrepreneur,
• bioscience
especially rural business owners looking
• food processing
for easy access to vital business training.
• data sciences
• medical sciences Courses include:
• power and energy • writing your business plan
• unmanned aerial systems • buying a business
• water tech • financing options
• wood products • digital and traditional marketing to win customers
• disaster recovery
How it works
• understanding your customer
Each industry cluster is based in a geographic region. Your small
business must be located in or near that region in order to join the
cluster. For example, the AgLaunch Initiative cluster, which focuses
on agricultural technology, is located in the Tennessee area. A
small agTech business in or near Tennessee will connect with
other agTech suppliers, service providers, and related institutions
through that innovation cluster.
Native American
Workshops
How it benefits you
Network with other industry innovators and connect with
resources that will help your small business find funding. You’ll
Tribal enterprises and business organizations
also receive guidance on how to better compete for government
contracts and other opportunities so you can grow and expand. can receive training at an SBA Entrepreneurial
Receive free technical and legal assistance to develop your tech Empowerment Workshop. These workshops
and get it to market for government and industry buyers. cover business concepts important for starting,
Get involved growing, or expanding a small business. RedWind
Find an SBA Regional Innovation Cluster near you by visiting instructors identify and help participants avoid
sba.gov/localassistance. Select the regional innovation clusters common pitfalls. Learn how to prepare a business
on the drop-down menu.
plan, gain access to capital, and basic book
keeping. Request a workshop in your area by
visiting nativesmallbusiness.org.
1819
LOCAL BUSINESS ASSISTANCE
Need financing?
Loan Fee Relief
To encourage lending to members of the
military community who want to start
or grow their business, the SBA reduces
upfront guarantee fees on select loans. That
means the cost savings will be passed down
to you, the eligible veteran or qualifying
COURTESY OF LIFEHEALTH
military member. Ask your local SBA district
office or SBA Lender about the Veterans
Advantage program.
Have an employee who was called to
active duty?
You may receive funds that enable your
business to meet ordinary and necessary
HOW THE SBA HELPED US SUCCEED operating expenses when an essential
Margot Adam Langstaff, left, and Elisa Hamill, right, sought assistance from their employee is called up to active duty in the
local Veterans Business Outreach Center, which helped them better compete for military reserve. Ask your local SBA district
government contracts. LifeHealth of Littleton, CO has expanded to more than 30 office or SBA Lender about the Military
states with offices in Washington, DC and San Antonio, TX. Their clients include the Reservist Economic Injury Disaster Loan.
Department of Defense, the National Guard, and the Indian Health Service. They
also expanded their business using an SBA-backed line of credit for $350,000. Margot Interested in contracting?
started her career as an Army medic, eventually running one of the largest outpatient Veteran-owned and service-disabled
clinics in the Northeast at Ft. Devens, MA. veteran-owned small businesses interested
in federal contracting receive training from
Opportunities
the Veteran Institute for Procurement,
which offers a platform with three
training programs to assist veterans. Visit
for Veterans nationalvip.org.
VIP Start
Members of the military community can start and grow their small Enter the federal market and become ready
for procurement. Nearly 200 veteran-owned
businesses with the help of SBA programs.
businesses from 29 states plus Washington,
Need entrepreneurship training? For women veterans DC have graduated from the program.
In Boots to Business, you explore Receive entrepreneurial training geared VIP Grow
business ownership and other self- toward women veterans, service members, Strategize to expand and operate within
employment opportunities while learning and spouses of service members through the federal marketplace. More than 700
key business concepts. You will walk away these SBA-funded programs: veteran-owned businesses from 42 states
with an overview of entrepreneurship plus DC and Guam have graduated from
»» Veteran Women Igniting the Spirit of
and applicable business ownership this program.
Entrepreneurship in Syracuse, New York
fundamentals, including how to access
»» LiftFund in San Antonio, Texas VIP International
startup capital using SBA resources.
Enter or expand your federal and commercial
Boots to Business is conducted on all
For service-disabled veterans contracting opportunities overseas.
military installations as part of the
Learn how to start and grow a small business
Department of Defense’s Transition Get certified
using these SBA-funded programs:
Assistance Program. Learn about the service-disabled veteran-
»» Entrepreneurship Bootcamp for Veterans owned small business certification program
Who’s eligible? with Disabilities in Syracuse, New York on page 49.
Service members transitioning out of
»» Veterans Entrepreneurship Program at For more assistance
active duty and military spouses.
the Riata Center for Entrepreneurship,
Are you a veteran or member of Veteran and military entrepreneurs
Spears School of Business, Oklahoma
the National Guard or Reserve or a receive business training, counseling, and
State University in Stillwater, Oklahoma
military spouse? Boots to Business: referrals to other SBA Resource Partners
Reboot teaches this entrepreneurship »» Veteran Entrepreneurship Jumpstart at at a Veterans Business Outreach Center,
curriculum off base and in local St. Joseph’s University in Philadelphia, sba.gov/vboc. For veterans business
communities. Register for either B2B Pennsylvania information visit sba.gov/veterans.
program at https://sbavets.force.com. »» Dog Tag Inc., affiliated with Georgetown
University in Washington, DC
20local success story
Jeff
Turbeville
OWNER/CEO, SUNSHINE PE ANUT CO.
Jack sonv ille, FL
• The Challenge Jeff Turbeville started Sunshine Peanut Co. in 2003, after
almost 12 years of working in his father’s food distribution business. Even
though Jeff didn't have experience in food manufacturing, he grew the com-
pany to a $10 million a year business. When a severe drought raised the cost of
the raw goods, the company was faced with bankruptcy.
• SBA Solution Jeff sought business guidance from his local SBA Resource
Partner, the Small Business Development Center at the University of North
Florida. Jeff's business adviser helped him secure a $3 million U.S. Department
of Agriculture loan to put his company back on the right track. Jeff learned how
to adjust his business plan and adopted many temporary cost-saving moves,
such as operating out of a home office (including shelling the peanuts). When
it came time to re-establish his business in a commercial zone, he took SBA
advice and chose a Historically Underutilized Business Zone, a HUBZone. Jeff
wanted to contribute to the Jacksonville community and expand into govern-
ment contracting.
COURTESY OF SUNSHINE PEANUT CO.
• The Benefits As profitability increased, Jeff acquired a neighboring building
to accommodate his growing workforce, which includes 38 full-time employ-
ees. He recommends that small business owners consider untapped sources
of talent in their community, such as formerly incarcerated people, employees
with disabilities, and foster youth transitioning to independence. Not only is
Jeff providing employment opportunity, he's also meeting hiring needs critical
to his own business success.
21LOCAL BUSINESS ASSISTANCE
Write your
Business Plan
Your business plan is the foundation of your business. Learn how to write a business plan with the help
of an SBA Resource Partner.
TRADITIONAL BUSINESS
PLAN FORMAT
When you write your business plan, you don’t have to stick to the
exact business plan template. Instead, use the sections that make
the most sense for your business and your needs.
Executive Summary
Briefly summarize your company and why it will be successful.
Include your mission statement, your product or service, and basic
information about your company’s leadership team, employees,
and location. You should also include financial information and
high-level growth plans if you plan to ask for financing.
Company Description
Go into detail about the problems your business solves. Be specific
as to audience and location. List out the consumers, organizations,
or businesses your company plans to serve.
Explain the competitive advantages you have that will make your
business successful. Are there experts on your team? Have you found
the perfect location? Your company description is the place to boast
about your strengths.
Market Analysis
Demonstrate a solid understanding of your industry outlook and tar-
get market. This is where it pays to partner with an experienced busi-
ness counselor from your local Small Business Development Center,
SCORE, Women's Business Center, or Veterans Business Outreach
Center—all these SBA Resource Partners provide free or low-cost
business assistance. Competitive research will show what other busi-
nesses are doing and their strengths. In your market research, look for
trends and themes. What do successful competitors do? Why does it
work? Can you do it better? Now's the time to answer these questions.
Business plans help you run your business.
A good business plan guides you through managing your business. Organization and Management
You’ll use your business plan as a roadmap for how to structure, run, Explain how your com-
and grow your new business. pany will be structured
Business plans can help you get funding or bring on new and who will run it.
business partners. Investors want to see a return on their Describe the legal Want to see an
structure of your busi-
investment. Your business plan is the tool you’ll use to convince
people that working with you—or investing in your company—is ness. State whether you
example of a
a smart investment. Brain storm with a business counselor (visit have or intend to incor- business plan?
one of our SBA Resource Partners detailed on page 8) and write porate your business as View examples of business plans
a traditional business plan, which uses a standard structure a C or an S corporation,
at sba.gov/business-guide/plan/
and detailed sections. Once you've got it all down, you can then form a general or limited
write-your-business-
condense it to a lean startup business plan, which typically partnership, or if you're a
plan-template
contains key points on only one page. sole proprietor or limited
liability company.
22LOCAL BUSINESS ASSISTANCE
TRADITIONAL BUSINESS PLAN CHECKLIST
LEAN STARTUP PLAN FORMAT
Write a lean startup plan if requested from an investor, or if your
❒ Executive summary business is relatively simple or you plan to regularly change and
refine as you go.
❒ Company description
Lean startup plans use more visual organization tools and only a
❒ Market analysis handful of elements to describe your company’s value proposition,
❒ Organization and management infrastructure, customers, and finances. They’re useful for visualiz-
ing your company's fundamental facts. Your business counselor can
❒ Service or product line
help you edit down into the Business Model Canvas, used here—the
❒ Marketing and sales most well known style, or another lean startup template.
❒ Funding request Key Partnerships
❒ Financial projections Note the other businesses you’ll work with--suppliers, manufactur-
ers, subcontractors, and similar strategic partners.
❒ Appendix
Key Activities
List the ways your business will gain a competitive advantage.
Use an organizational chart to show the hierarchy. Explain how
Will you sell direct to consumers or use technology to tap into the
each person’s experience will contribute to the success of your
sharing economy?
venture. Consider including CVs of key members.
Key Resources
Service or Product Line
List resources you’ll leverage to create value for your customer.
Describe what you sell or what service you offer. Explain how it ben-
Your most important assets include staff, capital, or intellectual
efits your customers and the product lifecycle. Share your plans for
property. Leverage business resources that might be available
intellectual property, like copyright or patent filings. If you're doing
to women, veterans, Native Americans, and HUBZone–certified
research and development for your service or product, explain it.
businesses.
Marketing and Sales
Value Proposition
Your marketing strategy should evolve and change to fit your needs
Make a clear and compelling statement about the unique value
in each context.
your company brings to the market.
Describe how you'll attract and retain customers. Show how a
sale will actually happen. You'll refer to this section later when you Customer Relationships
make financial projections, so be thorough. Describe how customers will interact with your business. Think
through the customer experience from start to finish. Is it auto-
Funding Request
mated or personal? In person or online?
If you're asking for funding, outline your funding requirements.
Specify whether you want debt or equity and the terms you'd like. Customer Segments
Your goal is to clearly explain how much funding you’ll need over Name your target market. Your business won’t be for everybody;
the next five years and how the investment will be used. it’s important to have a clear sense of who you serve.
Specify if you need funds to buy equipment or materials, pay Channels
salaries, or cover specific bills until revenue increases. Explain how List the most important ways you’ll talk to your customers.
you'll pay off the debt.
Cost Structure
Financial Projections Will your company focus on reducing cost or maximizing value?
Supplement your funding request with a prospective financial Define your strategy, then list the most significant costs you’ll face.
outlook for the next five years. Show how your business will be a
Revenue Streams
financial success.
Explain how your company makes money: direct sales, member-
If your business is already established, include income state-
ships fees, selling advertising space? If your company has multiple
ments, balance sheets, and cash flow statements for the last three to
revenue streams, list them all.
five years. List collateral you could put against a loan.
Include forecasted income statements, balance sheets, cash
flow statements, and capital expenditure budgets. For the first
year, be even more specific and use quarterly—or even monthly
—projections. Make sure to clearly explain your projections and LEAN STARTUP PLAN CHECKLIST
match them to your funding requests. ❒ Key partnerships ❒ Customer segments
Use visual organization tools--graphs and charts—to tell your
❒ Key activities ❒ Channels
business's financial story.
❒ Key resources ❒ Cost structure
Appendix
Here you'll attach supporting documents or other requested ❒ Value proposition ❒ Revenue streams
materials. Common items to include are credit histories, CVs, ❒ Customer relationships
product pictures, letters of reference, licenses, permits, patents,
legal documents, and other contracts.
23FUNDING PROGRAMS
Financing Your Small Business
How We Did It
Crafting a
Business
SBA-backed financing helped Superstition Meadery expand
into a multimillion dollar enterprise.
written by Becky Bosshart
COURTESY OF SUPERSTITION MEADERY
24FUNDING PROGRAMS
J
ennifer and Jeff Herbert’s Solution
home-based brewing has Thanks to guidance from an SBA
expanded into a global, Resource Partner, the Small Business
multimillion dollar Development Center at Yavapai
enterprise thanks to SBA Community College, Jennifer and Jeff
assistance. Using Arizona honey and learned about financing that worked
5
ingredients they’ve sourced from for them. The SBA guarantees loans
around the world (such as Tahitian made by lending institutions to small
Tips for
vanilla and Moroccan saffron), the business that would not otherwise be
Herberts are selling nearly 30,000 able to obtain financing. Their small
Success
gallons annually of their honey-based business qualified for two SBA-backed
fermented beverage. They operate a loans totaling more than $600,000. The
downtown Prescott, Arizona tasting Herberts’ first SBA-backed loan allowed
room and state-of-the-art production them to acquire commercial property to
facility, creating jobs and building design and build their mead production Get guidance.
a local craft industry. The Herberts, facility. Their second SBA-backed loan Develop a working relationship with
founding members of the American provided the funding for professional an SBA Resource Partner (see page 8)
Mead Makers Association, have brewing equipment to complete their to help you find the funding that works
traveled around the world hosting 7,450-square-foot production space. The best for you.
pairing events and pouring at craft Herberts recently purchased a historic
beverage festivals. building in downtown Phoenix, Arizona
to open a mead-pairing restaurant. Define your lending needs.
Challenge
Determine if a loan is right for you. Is
The Herberts wanted to scale up their Benefit
this the right time? How much do you
meadery while also staying true to The Herberts started with two
need? What are you going to use it for?
their values of quality ingredients and employees and now have over 20
craft process. It is often difficult for producing 29,000 gallons this year.
new entrepreneurs or unique concepts From a homegrown setup, Jennifer and
Talk to multiple lenders.
like a meadery to get traditional Jeff are now charting revenue in excess
See who best matches you and your
financing, even though they knew of $2.6 million and distributing to 37
business. Has the lender successfully
they had a great idea, the backing states, across Europe and Southeast
worked with other businesses in
wasn’t there to expand. They say that Asia. They have plans for another your industry?
choosing to do something new breaks expansion, including a shipping
the mold, which can be uncomfortable warehouse to manage their online retail
for traditional lenders. and wholesale orders.
Check all options.
Consult with your lender to see if
you’re eligible for SBA financing
programs, determined by your
industry & experience; collateral;
credit score; and the relationship &
transparency you develop with the
lending agent.
Be ready for the ups
and downs.
Your entrepreneurial endeavor will
be a roller coaster ride filled with
challenges and successes. The path
is all consuming so make sure that
COURTESY OF SUPERSTITION MEADERY
you love what you do. Passion is the
price of admission.
Jeff & Jennifer Herbert, owners of Superstition Meadery, completed their 7,450-square-
foot production space and opened a tasting room in Prescott, AZ with the assistance of
SBA-backed financing. See their story on YouTube by searching for the 2019 National
Small Business Persons of the Year.
25FUNDING PROGRAMS
Lender SBA-backed Loans
Match help small business owners and entrepreneurs who are
creditworthy but don’t qualify for conventional financing.
Find a lender interested
If you cannot obtain a business loan with reasonable rates
in working with you at
sba.gov/lendermatch. and terms, contact your local SBA Lender to see if you are
This matching tool eligible for SBA programs. The SBA works with participating
connects entrepreneurs lenders to reduce their risk, increasing the likelihood your
with SBA Lenders in
loan will be approved with the terms that work best for
your area.
you. The guarantee is conditional on the lender following
SBA program requirements. Just like with any other loan,
you make your loan payments directly to your lender in
accordance with your terms.
26FUNDING PROGRAMS
SBA Lenders
These participating SBA Lenders serve all Florida unless otherwise noted. Contact the lender for more
bank locations.
ALACHUA COUNTY BAY COUNTY Community State Bank
Campus USA Credit Union American Momentum Bank Jon Grebinger
David Barber Jeannine Balanky (904) 364-2875
(352) 335-9090 (866) 530-2265
CITRUS COUNTY
Capital City Bank Ameris Bank First Green Bank
Gregory Grisson Pat Stroud Javier Jorge
(352) 339-7495 (352) 264-7256 (754) 216-0674
Columbia Bank BBVA Compass CLAY COUNTY
Matthew Braddy Jami Bucy
(904) 564-8749
Bank of America
(352) 275-0127
Eddie Rush
Celtic Bank (904) 728-7146
Community Bank & Trust
of Florida (866) 644-0042
CBC National Bank
John Tight John McClure
(352) 369-1000
Centennial Bank
(850) 873-4113 (904) 321-2905
First Community Bank SW Florida Capital City Bank
(866) 418-0118
Customers Bank
Stephanie Schwandt Gregory Grisson
(850) 276-0484 (352) 339-7495
Florida Credit Union
Evan Pitts Chase
(352) 377-4141
First National Bank of NW Florida
Kim Johns Euclides Pagan
(850) 769-3207 (407) 236-5470
Harbor Community Bank
Bob Page First Atlantic Bank (a division of
(352) 333-6517
Regions Bank
(904) 757-4269 National Bank of Commerce)
Karen Farah
Merchants & Southern Bank
(352) 264-7266
Navy Federal Credit Union (904) 348-3100
John McDaniel
(850) 912-0844 Regions Bank
SunState Federal Credit Union
Conrad Jay
(352) 240-1420
TC Federal Bank (904) 213-7868
Jessica Tryon
BAKER COUNTY
(850) 894-3001 COLUMBIA COUNTY
American Momentum Bank Columbia Bank
Jeannine Balanky Summit Bank Casey Norris
(866) 530-2265 Jim Looker (386) 487-3146
(850) 785-3669
First Atlantic Bank (a division of First Federal Bank of Florida
National Bank of Commerce) United Bank Robert Turbeville
Karen Farah (850) 858-1201 (386) 754-7146
(904) 348-3100
BRADFORD COUNTY Peoples State Bank
Columbia Bank Capital City Bank Chris Dampier
Clarence Cannon Gregory Grisson (386) 754-0002
(386) 487-3126 (352) 339-7495
27FUNDING PROGRAMS
DUVAL COUNTY Navy Federal Credit Union Hancock Bank
American Momentum Bank Susan Miller Rubi Torres
Jeannine Balanky (904) 778-2229 (386) 446-4313
(866) 530-2265
121 Credit Union Reunion Bank Florida (a division
Ameris Bank Tillery Durbin of National Bank of Commerce)
Janice Bounds (904) 723-6300 Chad Bowling
(904) 699-9761 (904) 471-7947
SunTrust Bank
Atlantic Coast Bank Chris Bouton FRANKLIN COUNTY
(904) 998-5500 (904) 263-2805
Centennial Bank
Monica Lemieux
BB&T Synovus Bank
(850) 653-8805
Iris Jones R. Patrick Heatherington
(904) 361-5391 (904) 641-5605
GILCHRIST COUNTY
BBVA Compass TD Bank Columbia Bank
Jami Bucy Gregory Bossow Clarence Cannon
(904) 564-8749 (904) 265-0263 (386) 487-3126
Bank of America Wells Fargo Drummond Community Bank
Eddie Rush Melissa Yorko Amy Owens
(904) 271-1648 (904) 351-7424 (352) 463-3010
CBC National Bank Yadkin Bank HAMILTON COUNTY
Holly Edenfield (407) 459-7803 Columbia Bank
(904) 491-9840 Clarence Cannon
ESCAMBIA COUNTY (386) 487-3126
Chase Beach Community Bank
(904) 998-8881 Bob Massey HILLSBOROUGH COUNTY
(850) 202-9900 HomeBanc
Fidelity Bank
Deanna Tennian
Ed Randall Gulf Coast Community Bank (813) 549-5142
(904) 239-7534 Kathy Phillips
(850) 202-1308 PNC Bank
Fifth Third Bank
Mimoza Noll
Denise Horton Hancock Bank (813) 293-6655
(904) 486-1942 Brad Schild
(850) 444-3221 Valley National Bank
First Atlantic Bank (a division of
Karen Bricken
National Bank of Commerce) Navy Federal Credit Union (813) 345-5533
Karen Farah Tracy DeVack
(904) 348-3100 (850) 473-4719 HOLMES COUNTY
First Citizens Bank United Bank
Regions Bank
Tim Abbott (850) 858-1201
(904) 757-4269
(904) 394-2289
United Bank INDIAN RIVER COUNTY
Florida Capital Bank (850) 858-1201 CBC National Bank
(904) 407-4740
Steve Penza
FLAGLER COUNTY (772) 492-0609
Harvest Small Business Finance First Atlantic Bank (a division of
Bob Bonenberger
(904) 535-7288
National Bank of Commerce) JACKSON COUNTY
Karen Farah
American Momentum Bank
Iberia Bank (904) 348-3100
Jeannine Balanky
Abel Harding (866) 530-2265
(904) 446-1940
First Green Bank
Javier Jorge
(754) 216-0674
28FUNDING PROGRAMS
First Federal Bank of Florida Prime Meridian Bank OKALOOSA COUNTY
Stephen Krumfolz Chris Jensen Community Bank, Coast
(850) 526-7144 (850) 907-2300 Justin Woodard
(850) 683-8822
First Commerce Credit Union TC Federal Bank
Chuck Hudson Jessica Tryon Customers Bank
(850) 718-0081 (850) 894-3001 Stephanie Schwandt
(850) 276-0484
TC Federal Bank Tallahassee State Bank
Jessica Tryon (a division of Synovus Bank) First City Bank
(850) 894-3001 Al Basford William Tinsley
(850) 205-5156 (850) 244-5151 (ext. 1240)
LAFAYETTE COUNTY
First Florida Bank
Lafayette State Bank MARION COUNTY Brett Wilson
Bill Primm American Momentum Bank (850) 269-1201
(386) 294-1901 Jeannine Balanky
(866) 530-2265 Regions Bank
LAKE COUNTY
(904) 757-4269
Community Bank & Trust
BMO/Harris Bank Summit Bank
(352) 483-8900
of Florida
John Roberts, Jr. Jami Searle
(352) 331-1063 (850) 362-1232
First Green Bank
Javier Jorge
Drummond Community Bank Synovus Bank
(754) 216-0674
Roger McKellar (850) 436-4762
Insight CU (352) 732-0249
United Bank
Tim Whitefield
(407) 659-2730
First Avenue National Bank (850) 858-1201
Patrick H. Moses
Seacoast National Bank (352) 732-6616 ORANGE COUNTY
(407) 622-3193
First Green Bank American Momentum Bank
Barry Anderson
Javier Jorge
LEON COUNTY
(866) 530-2265
(754) 216-0674
American Commerce Bank Axiom Bank
Johnny M. Jones Harbor Community Bank
Jerry Allen
(850) 300-7538 (352) 368-4006
(407) 732-5604
American Momentum Bank Gateway Bank of Central Florida
Rusty Branson
Bancorp
Jeannine Balanky
Hetal Engineer
(866) 530-2265 (352) 368-3756
(407) 758-3926
BB&T Wells Fargo, NA
Karen Hatch
BankUnited
Anita Tuong
Vanessa Siefcak
(850) 877-4646 (352) 390-1431
(407) 267-4873
Envision Credit Union NASSAU COUNTY Chase
Kevin McAlpine
(850) 942-9000
CBC National Bank Euclides Pagan
Holly Edenfield (407) 236-5470
First Commerce Credit Union (904) 491-9840
Fairwinds Credit Union
Sherwood Brown
(850) 410-3565
First Atlantic Bank (407) 277-6030
(a division of National Bank of
First Green Bank
Hancock Bank Commerce) Javier Jorge
(a division of Synovus Bank) Karen Farah
(754) 216-0674
Brad Schild (904) 253-6601
(850) 444-3221
29You can also read
