EZ/EC Communities & SBA

SBA

U.S. Small Business Administration

SBA's ONE STOP CAPITAL SHOP (OSCS)

Table of Contents

Overview Basic Questions Basic Information Business Information Center (BIC) Technical Specifications Computer Hardware Specifications Computer Software Specifications Computer Peripherals BIC Operating Systems BIC Software Applications BIC Library Suggestions

Overview


SBA's ONE STOP CAPITAL SHOP (OSCS )

WHAT?

the U.S. Small Business Administration's contribution to President Clinton's Empowerment Zone/Enterprise Community Initiative.

WHY?

to provide the tools for small businesses to get started, stay in business, and expand. Strong small businesses will provide sustainable economic growth which is one of major objectives of the initiative.

HOW?

by bringing the SBA's business development and capital resources together with other federal, state, local and private sector resources in one convenient location. The collocation is a redeployment of existing resources which will not only provide convenience to the customer but it will also help leverage resources.

PROCESS

for determining what the OSCS will contain and how it will be run will come from the community with consultation from the SBA and other participants. The communities will be "stake holders" and will be responsible for housing, managing and maintaining the OSCS.

SBA

one of many participants. The SBA will make available its resource partners such as Service Corps of Retired Executives (SCORE), Small Business Development Centers (SBDCs) as well as those delivering its financial programs such as 7(a) lenders, Small Business Investment Companies (SBICs), microlenders, and Certified Development Companies (CDCs).

The OSCS should redeploy, not duplicate, existing technical and financial assistance to maximize effectiveness and supplement assistance where there is a need.

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BASIC QUESTIONS THAT NEED TO BE ANSWERED IN ESTABLISHING AN OSCS

  1. What is the mission of the OSCS?
  2. What are the goals?
  3. What resources exist in the community and what resources are lacking?
  4. What is the best location?
  5. How much will it cost to establish and to operate?
  6. What is the source of funds and how can they be obtained?
  7. How will the organization be structured and governed?
  8. What organizations will participate?
  9. Who will be responsible for the day to day management?
  10. How will clients be handled?
  11. How will results be measured?

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BASIC INFORMATION

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BUSINESS INFORMATION CENTER
(BIC)
TECHNICAL SPECIFICATIONS

Computer Hardware (minimum standards)
(7) 486 33 Mhz. Dell machines with 14.4 Internal Baud modems, minimum 400 MB hard drives, internal CD-ROM double spin drives, 16-bit sound cards and external speakers, 8 MB RAM in each computer, Parallel and Serial Ports, Super VGA 14" monitors, 101 keyboards and Serial Mouse.
Computer & CD-ROM Software
See Attached Software Specifications
Audio Visual Hardware
2 - 19" Color Televisions/VCRs
Printers
1 - HP Laser Printer 4P
1- Okidata Dot Matrix Wide Carriage
Copier
1 - Desk Top Copy machine
Security System
Sensormatic or similar magnetometer system for providing ongoing security for all reference materials.
BIC Overview
Overview of BIC Computer Technology
Basic Windows
CD-ROMs
SBA ONLINE
Various Application Introductory Sessions

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COMPUTER SOFTWARE SPECIFICATIONS*

MENU SYSTEM

APPLICATION SOFTWARE

DOS Based**

(Key) * Represents software specifications at time of delivery by Office of Business Initiatives ** All DOS-Based Applications are also available thru Windows Icons as well.

Windows-Based**

(Key )*** Represents new acquisitions

CD-ROM Software

(Key) **** Only available to One Stop Capital Shops and Tribal BICs

Table of Contents

BUSINESS INFORMATION CENTER TECHNICAL SPECIFICATIONS AND COMPUTER PERIPHERALS

TO BE PROVIDED BY APPLICANT

STARTUP

BIC Computer Hardware Peripherals

Audio Visual Hardware Peripherals

Staffing

Printer Peripherals

Physical Space

ONGOING

Note: The BIC site is responsible for all build-out costs and furnishings, including all items cited above.

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OPERATING SYSTEMS

MS-DOS 6.22

MS-DOS version 6.22 is the latest operating system available for DOS-based computing systems. 6.22 allows the user on-screen descriptions of the various DOS commands and allows the user to increase (by doubling) the hard disk capacity.

MICROSOFT WINDOWS

Windows is an icon-driven operating system using symbols and file groupings to represent commands and software files. Among the software programs available in windows are:

          -   Microsoft Office Suite Professional
          -   National Business Association's (NBA) First Step Review

These software programs are described further under their specific headings.

Also, specific Windows-based software includes: 

          -   Program Manager
          -   Accessories

These are operating software and the user should not be allowed to change the initial settings.

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SOFTWARE APPLICATIONS

DOS-BASED

SMALL BUSINESS EXPERT

This menu option is a software package developed by Oasis Press based on their hard copy series "Starting a Business in (by state)." A set of this material is available in the Business Information Center Library.

The Main Menu shows:

State Law: Connecticut
Data - Enter data about company
INDX - Quick scan at topic index
Key - Search for key words
Taxes - Tax Calculations Submenu
Test - Entrepreneurs self test
Scan - Screen colors and texture
USER - User manual, general help
Xpert - Consult Expert for advice

Test- Entrepreneurs' self-test

This goes through a number of questions providing multiple choice answers such as:

"I do things on my own. Nobody has to tell me to get going." Easy does it. I don't put myself out until I have to.

At the end of these questions the user is rated from 0-20. If one has a really low score the computer will say "you may be better off working for someone else."

The other menu options allow the user to ask specific questions about starting and operating a business within a particular state and other pertinent issues encountered in managing a small business.

COMMUNICATIONS

The menu selection in both DOS and WINDOWS allows the user to access an electronic bulletin board containing useful information about the U.S. Small Business Administration's products and services, as well as information on small business resources available in each state and a variety of other useful information such as training manuals and a mailbox system to allow users to leave messages and ask questions.

The communications software used is Telix, which is a shareware domain software.*

The first screen the user sees shows a Telix Command Summary box, a Main Functions box and other functions as well.

Examples:

Dialing directory............ Alt-D
      Help Menu................... Alt-Z
          Exit Telix................... Alt-X

The user should press Alt key and the D key simultaneously and then press the enter key. A dialing directory will appear with the number for SBA Online.

To dial "SBA Online"

Select or move the highlight bar to the directory item for "SBA Online," displaying the following phone number 1-800-697-4636 and then press the enter key.

Wait for the dial tone. When the system indicates that a connection has been made to bulletin board, press any key.

(Key) * Shareware Public Domain Software is available for review and use by a site. However, to be legal, sites must register their copy Of Telix. The information needed to register the software is available from the opening screen in Telix.

Then a series of prompts will ask you to type:

Your name, location and then a password. Once you have established a password, you will always use the same password when accessing the bulletin board.

- The computer then shows:

Number of calls to date, total users, average calls per day, average file uploads per month

Once you are into the bulletin board, it will take you to the main screen which shows the following

  1. General Information on the SBA
  2. Services Available
  3. Local Information
  4. Outside Resources
  5. Quick Search Menu
  6. White House Information
  7. Talk to Your Government
  8. Small Business Success Stories
  9. 9 New Items

If the user wants to view messages in the mailbox area or download large files, he/she must access the bulletin board via a 900 or 202 number. The 900 number is not available from the BIC computers.

WINDOWS-BASED SOFTWARE

MICROSOFT OFFICE SUITE PROFESSIONAL & BOOKSHELF

This menu option allows the user to access a collection of full featured programs that work as an integrated package. The user has access to seven essential desktop reference volumes (Bookshelf) along with Microsoft Word, Excel, Powerpoint, Access and Office Assistant in the Windows environment. Microsoft Office Suite Professional is a total software package containing a word processor, a spreadsheet, graphics, communications, database. A user can type letters, develop a business or -marketing plan, create a spreadsheet detailing the financial condition of the business and finally develop a database of client information for mailings, etc.

MICROSOFT WORD

This menu option allows the user to access Microsoft Word in the Windows environment. Microsoft Word version 6.0 is the latest word processing package available from Microsoft. A user can type letters or develop and write a business or marketing plan for their small business.

MICROSOFT POWERPOINT

This menu option allows the user to access Microsoft Powerpoint in the Windows environment. Microsoft Powerpoint is a desktop software package containing icons, page layouts and various fonts and colors to design and develop graphics, business cards and brochures.

MICROSOFT EXCEL

This menu option allows the user to access Microsoft Excel in the Windows environment. Microsoft Excel is a comprehensive spreadsheet application that allows the user to manage, format, chart and analyze data.

MICROSOFT ACCESS

This menu option allows the user to access Microsoft Access in the Windows environment. Microsoft Access is a relational database management system that lets you store, organize and easily retrieve information.

MICROSOFT OFFICE ASSISTANT

This menu option allows the user to access Microsoft Office Assistant in the Windows environment. Microsoft Office Assistant has 54 business solutions that work seamlessly with Office Professional. It can be used to generate direct marketing analysis forms, financial statements, 5-year projection and business planning templates, purchase orders and more.

MICROSOFT PUBLISHER

This menu option allows the user to access Microsoft Publisher in the Windows environment. Microsoft Publisher is a full-featured desktop publishing program and the tools to create publications in just a few easy steps. The interactive PageWizard design assistants help you create newsletters, brochures, flyers and customizing user's communication needs.

JIAN

BizPlan Builder This program is accessed through Microsoft Word or Excel. It allows the user to organize their ideas into an acceptable business plan format. The user builds their business plan by using the documents created in BizPlan Builder located in the Microsoft Word library. Users can access spreadsheets through Microsoft Excel. Using both Microsoft software packages with the BizPlan program, the user creates a user-friendly business plan tailored to their specific needs.

Publicity Builder This program is accessed through Microsoft Word. It allows the user to develop sample press releases, over 15 samples included in the program. Publicity Builder also provides press kit materials (company background, case histories, etc.), telephone contact guidelines and more. The user simply edits existing documents found in the Publicity Builder program through Microsoft Word and then creates their own customized set of materials.

Employee Manual Maker This program is also accessed through Microsoft Word. It allows the user to develop their own company specific employee manual. The Employee Manual Maker program contains over 120 policy statements, various form letters and memos as well as more than 30 benefit packages for use in developing your own employee manual. Using existing forms and templates found in the program, the user accessing Microsoft Word edits and modifies these forms and templates to create their own specific versions.

JETFORM BIZFORMS

This menu option allows the user to access a collection of business forms and stationary used on an ongoing basis by small businesses. Clients can develop and print their own stationary, business cards and generate business forms such as invoices, bills of lading and past due notices.

CD-ROM SOFTWARE

CD-ROM software on a compact disc (CD) is in "read only memory" (ROM) format. The user can view and print a great deal of data which is stored on the disk, but can not alter the data.

Bookshelf This menu option allows the user to access the CD-ROM version of Microsoft Bookshelf in the Windows environment. The user may use this option to access the following software: Concise Quotes, Bartlett's Familiar Quotations, Encyclopedia, Dictionary, Thesaurus, Atlas, 1994 Almanac, Bookshelf, Overview, Quickeys and Bookshelf Read Me.

Under the:

Concise Columbia Dictionary of Quotations you choose a letter from the alphabet and it lists quotations under the specific letter.

Under Bartlett's Familiar Quotations you choose a letter from the alphabet and it lists quotations under the specific letter.

Encyclopedia An abridged alphabet including such features as: Sights and Sounds, Narrated Animations, Animations, Musical Examples and Images.

Dictionary An abridged dictionary including such features as: Sights and Sounds, and an Appendix.

Thesaurus A thesaurus containing synonyms (words with similar meanings) and antonyms (words with opposite meanings).

Atlas A graphic representation of country locations around the world including the Flags of the World.

Book of Facts 1994 - World Almanac A listing of interesting facts which can be used in a variety of situations.

DUN & BRADSTREET CD-ROM DISKS*

Million Dollar Disk

A definitive source of business information, Dun's Million Dollar Disk pinpoints more than 215,000 companies with one or more of these criteria:

  • Sales of more than $25 million annually
  • More than 250 employees
  • Net worth of at least $500,000

As well as business profiles of 450,000 key executives.

Middle Market Disk

Gives information on 150,000 "mid-level" companies with the following profile:

  • Sales of between $4 million to $25 million annually
  • 100 to 250 employees

As well as business profiles of 270,000 key executives.

Service Market Disk

Information on more than 200,000 hard-to-find service and publicly administrated companies with the following profile:

  • Companies in accounting, auditing and bookkeeping, advertising and public relations, architecture and engineering, consumer services, executive search, health, hospitality management consulting, motion pictures, research, social services and law.
  • Sales of more than $1 million or 40 or more employees.
  • Also branch locations with 15 or more employees.

Business Locator Disk

Business Locator is an alphabetical listing showing locations and company identifications on more than 10 million U.S. businesses. Business Locator also offers an expanded information base including:

  • Full business address with ZIP code
  • Telephone number
  • Standard Industrial Classification (SIC) Code
  • Cross-reference to ultimate U.S. parent company.

(Key) * Not available in all locations and updates responsibility of local site. Many of these CD-ROMs are available at all One Stop Capital Shops (OSCS) and Tribal BICS.

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AMERICAN BUSINESS INFORMATION, INC.

YELLOW PAGES

This database contains 11 million U.S. and Canadian businesses with pertinent data such as:

Company Name
ZIP Codes including ZIP+4
Telephone/FAX Numbers
Number of Employees
Year Established
Franchise/Brand Information
Location and Mailing Address
Type of Business (SIC Code)
Name and Gender of Key
Decision-Maker
Approximate Sales Volume & Output

BUREAU Of CENSUS -POPULATION AND HOUSING TRACT DATA FILE 3A

This database from Census, provides data from the 1990 census on population and housing segregated by state.

BUREAU OF CENSUS -POPULATION AND HOUSING TRACT DATA SUMMARY FILE 3B

This database from Census, provides data from the 1990 census on population and housing segregated zip codes (i.e. the United States is categorizes into three zip code groupings --0,1,2,3 4,5,6 and 7,8,9)

BUREAU OF CENSUS -THE U.S. STATISTICAL ABSTRACT

This data base contains a variety of information on data ranging from number of business starts to the number of people enrolled in various academic institutions.

BUREAU OF CENSUS-ECONOMIC CENSUS FOR 1992

This database from Census, provides data from the 1992 economic census on business starts, income, and SIC specific data.

BUREAU of CENSUS -COUNTY BUSINESS PATTERNS

This data base contains a variety of information on data specific to counties located in the United States. Includes in this data base is a variety of data on business starts and employment.

MULTIMEDIA MBA- SMALL BUSINESS EDITION

Multimedia MBA is a comprehensive CD-ROM library covering every small business problem and solution. An essential guide for: startups, retail, service and professional businesses, the small business office and home-based business. Multimedia MBA links together the textbooks used in leading MBA programs, plus 40 minutes of video instruction, 2000 graphs and charts and a collection of business applications software.

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UPSTART/DEARBORN PUBLISHING

American Disability Act Handbook
Finding Money for Your Small Business
How to Buy a Business
Anatomy of a Business Plan
How to Get Your Own Trademark Revised
43 Proven Ways to Raise Capital
Borrowing for Your Business
Business Planning Guide 6th
Cash Flow Control Guide
Corporate Forms Kit
Business Agreements Kit
Complete Guide to S Corp
Complete Guide to Selling Business
Complete Guide to Consulting Success
Small Business Legal Handbook
Creating Customers
Export Profits
Financial Essentials for Small Businesses
Financial Troubleshooting
From Kitchen to Market
Home Based Entrepreneur
Keeping the Books
Managing by the Numbers
Market Planning Guide 4th Edition
Marketing Your Invention
On Your Own-2nd Edition
Owing and Managing a Bar or Tavern
Owning and Managing a Bed a Breakfast
Owning and Managing a Consulting Business
Personnel Planning Guide
Problem Employees
Restaurant Planning Guide
Small Business Computer Book
Small Business Survival Kit
Start Up Guide-2nd Edition
Steps to Small Business Start Up
Successful Retailing-2nd Edition
Talking With Your Customers
Target Marketing for Small Business
Woman Entrepreneur

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INC. BUSINESS RESOURCE

Creating A Winner
Lean Mean Machine-Audio
Women in Business Video
Home Business Video
Family Business Video
Customer Service Video
Profit in Tough Times Video
Business Plan Video
Perot: A Vision for Success
Sales Strategy Video
Raising Capital Video
Managing People Video
Managing Your Time Video
Run a Small Company Part 1 Video
Run a Small Company Part 2 Video
Run a Small Company Part 3 Video
Run a Small Company Part 4 Video
Start Your Own Business Video
Mackay on Customer Service
Do It Yourself Marketing
Maximize Cash Flow Video
More Sales More Profit Video
How To Find New Customers
Growing The Company Video
Successful Sales Relations Video
Effective Sales Calls Video
Deal With Buying Objections Video
Closing The Deal Video
Effective Follow Up Video
Business Plan Guide 3-Ring
Start Your Business Guide
301 Great Ideas Paperback
Anatomy of Start Up Hardcover
Marketing Plan Guide 3-Ring
101 Proven Ideas Paperback
Inc. Plan Biz Plan Software
10 Step Reprint Collection
Customer Service Through Quality Video

OASIS/PSI RESEARCH

Business Environmental Handbook
Business Owners Guide to Accounting
Company Policy and Personnel Workbook
Company Relocation Handbook
Complete Book of Business Forms
Cost-Effective Market Analysis
Essential Corporation Handbook
Export Now: A Guide for Small Business
Financial Management Techniques
Financing Your Small Business
Franchise Bible
Home Business Made Easy
How to Develop & Market Creative
Business Ideas
Mail Order Legal Guide
Money Connection
People Investment
Power Marketing For Small Business
Proposal Development: How to
Respond and Win the Bid-2nd Edition
Raising Capital
Start Your Business
Starting and Operating a Business in
Every State and DC (51 Editions)
Successful Business Plan: Secrets & Strategies
Surviving and Prospering in a
Business Partnership
Write Your Own Business Contracts:
What Your Attorney Won't Tell You
Successful Business Plan Binder and Standalone
Financial Management Techniques
Binder and Stand-alone
Small Business Expert Stand-alone

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THE ENTREPRENEUR GROUP

1006 Pizzeria
1007 Pet Shop
1009 Thirty Minute Tune Up
1010 Flower Vending
1011 Furniture Store
1012 Window Washing Service
1015 Mail Order
1022 Bicycle/Moped Store
1024 Liquor Store
1031 Parking Lot Striping
1033 Pet Hotel and Grooming
1034 Janitorial Service
1037 Dry Cleaning
1042 Mini Warehouse
1043 Tee Shirt Shop
1046 Self Improvement Seminar
1051 Employment Agency
1053 Carpet Cleaning Service
1056 Mobile Restaurant
1058 Child Care
1067 Newsletter
1071 Seminar Promoting
1076 Frozen Yogurt Shop
1091 Burglar Alarm Sales
1092 Import Export
1100 Pinball and Electronic Games
1107 Women Apparel Shop
1108 Used Car Agency
1110 Classified Ads/Free Newspapers
1111 Promotional Gimmicks
1117 Used Bookstore
1124 Non Alcohol Bar
1128 Soup Bar
1132 Hobby Shop
1133 Fabric Shop/Discount
1136 Secretarial Service
1143 Flower Shop
1146 Auto Detailing
1147 Private Mail Box
1148 Telephone Answering Service
1150 Mobile Surface Cleaning
1151 Consulting

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1152 Lingerie Shop
1153 Flat Fee Real Estate Co.
1154 Travel Agency
1156 Sandwich Shop/Deli
1157 Cross Country Trucking
1158 Specialty Bakery
1160 Maid Service
1161 Children Apparel Store
1162 Laundry
1170 Hair Salon/Family
1172 Physical Fitness Center
1173 Convenience Food
1181 Gourmet Potato Restaurant
1182 Wedding Shop
1186 Bar/Tavern
1187 Ice Cream Store
1188 Locksmithing/Mobile
1189 Temp Help
1192 Video Cassette Retail Store
1194 Dating Service
1198 Lawn Care
1199 Men's Apparel
1202 Retail Coffee & Tea Store
1204 Video Taping Service
1207 Collection Agency
1209 One Hour Photo
1212 Consignments Furniture
1214 Religious Retail Store
1215 Food & Party Catering
1218 Specialty Gift
1221 Computer Consulting
1222 Multi Level Marketing
1223 Ad Agency
1224 Limousine Service
1226 TV and Movie Production
1227 Government Contract
1228 Executive Recruiting
1229 Consignment Clothing
1232 Coupon Mailers
1236 Apartment Preparation
1237 Information Broker
1242 Balloon Delivery
1249 House Painting
1250 Clipping Service

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1256 Computer Repair Service
1258 Freelance Commercial
1260 Resume Writing and Career
1261 Software Retail Store
1262 PVC Furniture
1264 Image Consulting
1265 Home Computer
1274 Nail Salon
1277 Beauty Supply
1278 Bed and Breakfast
1279 Restaurant Start
1280 Pest Control
1282 Herb Farming
1283 Party Goods Gift Shop
1284 Real Estate Investment
1285 Pool Cleaning Repair
1286 Sporting Goods
1287 Packaging and Shipping
1288 Desktop Publishing
1290 Sweats Only
1292 Advertising Specialties
1293 Children's Bookstore
1296 Health Food Vitamin
1298 Copy Shop
1299 Vending Business
1304 Craft Business
1306 Gift Basket
1307 Business Development
1308 Compact Disc Store
1309 Check Cashing Service
1310 Personal Shopping Service
1313 Event Planning Planner
1314 Interior Design
1315 SBA Loan Guide
1317 Business Brokerage
1318 Baby Store
1319 Standard Bus Forms
1320 Private Investigator
1321 Credit Consulting
1322 Sports Memorabilia
1323 Kiosks and Carts Business
1324 Public Relations Agency
1328 Freight Broker
1330 Wedding Planner

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1332 Mobile Bookkeeping
1333 Womens Accessories
1334 Home Inspection
1335 Senior Day Care
1336 Instant Sign Store
1337 Silk Plant Shop
1338 Nanny Business
1339 Referral Service
1341 Pet Sitting
1342 Mobile D J
1343 Mini-Blind Cleaning
1344 Spin Art Store
1345 Medical Claims
1347 Child Service
1348 Food Delivery Service
1349 Home Entertainment
1350 Community Welcoming Business
1351 Recycling Consultant
1352 Garage Detailing Service
1353 Language Translation Service
1354 Mailing Services
1355 Home Remodeling Services
1356 Family Recipe
1357 Children's Fitness Centers
1358 Unpacking Service
1359 Operating a 900 Number
1360 Collectibles
1361 Mobile Frozen Yogurt
1362 Mobile Window Services
1363 Utility and Telephone Bills
1364 Diaper Delivery Service
1365 Audio Bookstore
1366 Property Tax Consultant
1367 Microbrewery
1368 Personalized Children's Books
1369 Home Health Agency
1370 Mobile Auto Inspection
1371 Financial Aid Services
1372 Professional Organizer
1373 Food Court Restaurants
1375 Coin Operated Vending Machine
1376 Environmental Services
1377 Graphic Design
1378 Computer Learning Center

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1379 Body Care Boutique
1380 Damage Restoration
1381 Antique Sales and Restoration
1382 Laser/FAX Maintenance
1383 Automotive Services
1384 Transportation Services
1385 Multimedia Service
1386 Specialty Travel and Tours
1387 Business Plan Package
1388 Billiard Hall
1700 Entrepreneurial Woman Guide
1701 25 Hottest Businesses
1800 Business Plan
1801 Managing Personnel Small Business
1803 Smart Selling
1804 Homebased Business Resource
1962 Money Broker
2327 Buying Foreclosures Cassette Tapes
2332 Computer Tax Preparation Cassette Tapes
2334 Computer On Line Shopping Cassette Tapes
3500 Encyclopedia Vol. 1-3
7100 How To Incorporate
8600 Art of Gift Basket Video
8601 Silk Plant Video
8602 Auto Detailing Video
8604 Event Planning 8605
Wedding Planning Video

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The SBA has offices located throughout the United States. For the one nearest you, look under "U.S. Government" in your telephone directory, or call the SBA Answer Desk at (800) 8-ASK-SBA. To send a fax to the SBA, dial (202) 205-7064. For the hearing impaired, the TDD number is (202) 205-7333.

To access the agency's electronic public in-formation services, you may call the following:

SBA OnLine: electronic bulletin board-modem and computer required
(800) 697-4636 (limited access)
(900) 463-4636 (full access)
(202) 401-9600 (D.C. metro only)
Internet-using uniform resource locators (URLs)
SBA Home Page: http://www.sbaonline.sba.gov/
SBA gopher: gopher://gopher.sbaonline.sba.gov/
File transfer protocol: ftp://ftp.sbaonline.sba.gov/
Telnet: telnet://sbaonline.sba.gov/

You also may request a free copy of The Resource Directory for Small Business Management, a listing of for-sale publications and videotapes, from your local SBA office or the SBA Answer Desk.

All of the SBA's programs and services are provided to the public on a nondiscriminatory basis.

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