Small Business Start-up Guide 

for Northern California 
SMALL BUSINESS 

START-UP GUIDE

For Northern California

Helping small businesses start, grow, and succeed
2 SBA.gov/CA/SF

Table of Contents

Choosing the Right Business for You 5

Your Personal Objectives

Your Talents

Your Personality Traits

Quiz: Do You Have What It Takes?

Considerations in Choosing Your Business

Is Your Business Idea Feasible?

On the Upside

Local, State, and Federal Business Requirements 10

Business Licenses

Fictitious Business Name

Federal Self-Employment Tax

Business Formation

Local Fees

State Taxes

Seller’s Permit

Employer Identification Number

Worker’s Compensation Insurance

State Withholding Taxes

Federal Withholding Taxes

Patents, Trademarks, Servicemarks & Copyrights

Licensing and Regulatory Contacts, Local & Statewide 15

Preparing Your Business Plan 17

Blueprint for Your Business

The Format

Online Resources

Business Plan Outline
SBA.gov/CA/SF 3

Financing Your Business 21

Eligibility Criteria for SBA Guaranteed Loans

Documents Needed to Apply for a Loan

SBA Lending FAQs

SBA San Francisco District 7(a) Guaranteed Lenders

SBA Community Advantage Loan Program

SBA Microloan Program

Alternate Sources of Funding

504 Certified Development Company Loan Program

SBA Affiliated Management and Technical Assistance Programs 35

SBA Centers

SCORE 

Small Business Development Centers (SBDCs)

Women’s Business Centers

Considerations in Operating a Home-Based Business 39

Healthcare 41

Doing Business with the Federal Government 42

SBA’s Online Tools, Training & Social Media 43

Business Organizations 44

Business and Trade Organizations

Networking Groups

Chambers of Commerce

Small Business Resources 45
4 SBA.gov/CA/SF
SBA.gov/CA/SF 5

Choosing the Right Business for You 

There is no way to eliminate all the risks associated with starting a small business; 

however, you can improve your chances of success with research, good planning, 

and preparation. Start by evaluating your strengths and weaknesses as an owner 

and manager of a small business.

Your Personal 

Objectives

• What are your personal needs? Your financial objectives?

• How will owning a business affect your family? Your standard of living?

• What are you interested in getting out of your business – money, power, 

flexibility? 

Your Talents • Do you have any special skills or expertise in a particular industry? 

• How will your talents help you in the development and operation of your 

own business? 

• How good are you at making decisions, planning and organizing? 

• Do you like to sell? Can you sell? You will be required to sell and 

advertise yourself, your company, and your products or services.

Your Personality 

Traits

• Are you a self-starter? Is your drive strong enough to maintain your 

motivation? It will be up to you — not someone else telling you — to 

develop projects, organize your time, and follow through. 

• How well do you get along with different personalities? Business owners 

need to develop working relationships with a variety of people: 

customers, employees, bankers, lawyers, accountants, vendors, etc.

• Are you willing to risk everything you own? Will you be able to live with 

the fear of loss? Will your family?
6 SBA.gov/CA/SF

QUIZ: Do You Have What It Takes?

Take this simple quiz. For each question, place a check mark by the answer that best identifies 

your personality.

1. Are you a self-starter?

1. I do things on my own. No one has to tell 

me to get going.

2. If someone gets me started, I keep going all 

right.

3. Easy does it. I don’t put myself out until I 

have to.

2. How do you relate to people?

1. I like people and can get along with just 

about anyone.

2. I have plenty of friends and don’t need 

anyone else.

3. Most people irritate me.

3. Can you lead others?

1. I can get most people to go along when I 

start something.

2. I can give the orders if someone tells me 

what we should do.

3. I let someone else get things moving; then I 

go along if I feel like it.

4. Can you take responsibility?

1. I like to take charge of things and see them 

through.

2. I’ll take over if I have to, but I’d rather let 

someone else be responsible.

3. There’s always some eager beaver around 

wanting to show how smart s/he is. I say let 

‘em.

5. How good an organizer are you?

1. I like to have a plan before I start. I’m 

usually the one to get things lined up.

2. I do all right unless things get too 

confusing; then, I quit.

3. I just take things as they come.

6. How good a worker are you?

1. I can keep going as long as I need to. I 

don’t mind working hard for something I 

want.

2. I’ll work hard for a while, but when I’ve 

had enough, that’s it.

3. I can’t see that hard work gets you 

anywhere.

7. Can you make decisions?

1. I can make up my mind in a hurry if I 

have to. It usually turns out okay, too.

2. I can if I have plenty of time. I don’t like 

to be the one to decide things.

8. Can people trust what you say?

1. You bet they can. I don’t say things I 

don’t mean.

2. Sometimes I just say what is easiest.

3. Why bother, if other people don’t know 

the difference?

9. Can you stick with it?

1. If I make up my mind to do something, I 

don’t let anything stop me.

2. I usually finish what I start—if it goes 

well.

3. If it doesn’t go well immediately, I quit.

10. How good is your health? 

1. I never run down!

2. I have enough energy for most things I 

want to do.

3. I run out of energy sooner than most of 

my friends.
SBA.gov/CA/SF 7

Quiz Results

If most of your checks are beside the first answers, you probably have what it takes to run a business. 

If most of your checks are besides the second answers, you may have some difficulty running a 

business. Better find a partner who is strong on the points on which you are weak. 

If most of your checks are next to the third answers, even a good partner may not be able to shore 

you up.

Whether you go it alone or with a partner, read on to find out what steps to take next.
8 SBA.gov/CA/SF

Considerations in 

Choosing Your 

Business

Your experience is most important in considering starting a new business or 

purchasing an existing one. If you start a new business or purchase an existing 

one, past experience in that particular industry will help you better understand 

your customer market, the operating cycle of the business, the practices unique to 

the trade, and it may help you avoid costly mistakes. 

Before you open your own business, consider working or volunteering in a 

business similar to the one you want to start or buy in as many positions as 

possible. This way you can try it out before committing. You can also explore 

the business by attending association and networking meetings within the 

industry and by talking to other entrepreneurs. Ask questions. Entrepreneurs 

love to talk about their businesses.

Is Your Business 

Idea Feasible?

Evaluating the feasibility of a business allows you to make a more informed “go 

or no go” decision. It involves a detailed examination of financial, personal, and 

market realities. Some of the key elements that you should explore and honestly 

appraise include:

• Do you have enough money to get your idea off the ground without going 

into debt? If not, where are you going to get your money? Do you have 

enough cash and the right combination of prior experience, credit status, 

and other tangible assets to secure financing for the venture? 

• Are you willing to take the risks of loss associated with assuming debt?

• Can the business generate enough revenue to pay its expenses as well as 

your desired level of owner profit?

• Are your management skills adequate for overseeing and developing the 

business operations and market and selling your product or service?

• Is there a demand for your product or service? 
SBA.gov/CA/SF 9

• Can you really compete and stay competitive with other businesses that 

have been at it longer and have an established reputation?

• Have you done research on market demand, or have you just assumed that 

people need or want your product or service?

• Are the rewards from the business, both monetary and personal, worth the 

effort and investment you are going to have to make? 

• What is the worst thing that could happen if you go into business for 

yourself? Are you capable and willing to deal with the worst possibility, 

should it occur?

On the Upside Here are some of the advantages of small business ownership:

• You get to be your own boss.

• Hard work and long hours directly benefit you, rather than increasing 

profits for someone else.

• Earnings and growth potential are unlimited.

• A new venture is exciting.

• Running a business provides endless variety, challenge, and opportunities.
10 SBA.gov/CA/SF

Local, State, and Federal Business Requirements 

If you are operating a home-based or service business, you may think that you 

don’t have to comply with any of the numerous local, state, and federal 

regulations, but in all likelihood, you do. Avoid the temptation to ignore 

regulatory details. Doing so may avoid some red tape and expense in the short 

term, but it can be an obstacle as your business grows, result in costly fines, or 

even cause the sudden closure of your business. Take the time to research the 

applicable regulations and structure your business so that it will be in compliance 

from day one.

The following is a checklist of the most common requirements for small 

businesses, but it is by no means all-inclusive. Regulations vary by industry and 

location. If you’re in the food-service business, for example, you will have to 

meet the standards of the health department. If you use chemical solvents, you 

will have to comply with environmental regulations. Being out of compliance in 

any aspect of your business could leave you legally unprotected, lead to expensive 

penalties, and jeopardize your business.

Business Licenses There are many types of business licenses: state, local, and professional. 

Depending upon what you do and where you plan to operate, most businesses will 

be required to have a license of some sort. Licenses are administered by a variety 

of departments, so first check with the Business License Office or the Tax 

Collector in the city or county where you plan to do business. Please see the table 

“Licensing and Regulatory Contacts” on page 15.

To find out if your corporation requires a state license, contact:

California State Board of Equalization

(800) 400-7115 boe.ca.gov

Or

The Governor’s Office of Business and Economic Development (GOBiz) Permit Assistance Center

(877) 345-4633 calgold.ca.gov
SBA.gov/CA/SF 11

Fictitious Business 

Name

Businesses that use a name other than the owner's legal given name must register 

as a fictitious name with the county as required by the Trade Name Registration 

Act. Fictitious names are sometimes referred to as “doing business as” names, or 

“DBAs”. This does not apply to corporations doing business under their corporate 

name or to those practicing any profession under a partnership name. 

Federal SelfEmployment Tax

Everyone must pay Social Security tax. If you are self-employed, your Social 

Security contribution is made through the self-employment tax. You will also 

need to determine how best to report earnings and pay your business taxes. 

Internal Revenue Service

(800) 829-1040 irs.gov

Business Formation You must decide if your business will be structured as a sole proprietorship, 

partnership, corporation, or LLC. Partnerships, corporations, and LLC’s should 

be legally established using an attorney to develop the contracts. If you have 

decided to incorporate your business, contact the Secretary of State:

The Secretary of State’s Office

1500 11th Street, Third Floor

Sacramento, CA 95814 

(916) 657-5448 sos.ca.gov

Local Fees Many cities and towns require that you register and pay a fee to do business there. 

Contact the Tax Collector’s Office in the city or county where your business will 

be located. 

State Taxes You must file your state business taxes separately if you are a partnership or 

corporation. If you are a sole proprietorship, you file through your personal 

income taxes. You can obtain the necessary business tax forms and general 

information from the Franchise Tax Board, which has local offices throughout 

California.

Seller’s Permit You will need a seller’s permit or a resale number if you plan to sell products. The 

permit allows you to purchase inventory from suppliers without paying taxes. To 

obtain a permit, contact the State Board of Equalization.
12 SBA.gov/CA/SF

Employer 

Identification 

Number

If you have employees, you are required to have an employer identification 

number (EIN). You may also get one if you prefer not to use your Social Security 

number in business transactions. Contact the IRS to obtain an employer 

identification number. 

Internal Revenue Service 

(800) 829-1040 irs.gov

Workers’ 

Compensation 

Insurance

You are required to carry workers’ compensation insurance if you have 

employees. If an employee is injured on the job, this insurance will cover his or 

her medical bills, for which you would otherwise be liable. You can obtain a 

policy from many private insurance companies or from the State 

Compensation Insurance Fund. 

California Industrial Relations Department

dir.ca.gov

State Withholding 

Taxes

If you have paid more than $100 in wages to an employee in a given calendar 

quarter, you are required to withhold taxes for state disability insurance, personal 

income taxes, unemployment insurance, and employment training. You must 

register for an employer account number. Contact the 

Employment Development Department of the State of California

edd.ca.gov

Also see the following table “Licensing and Regulatory Contacts”

Federal 

Withholding Taxes

Under certain circumstances, you are required to withhold income tax and Social 

Security (FICA), be liable for your employees’ portion of Social Security taxes, 

and pay federal unemployment tax. Nonpayment of federal employer taxes can 

result in audits, penalties, difficulties obtaining bank financing, and closure of 

your business. 

Internal Revenue Service 

(800) 829-1040 irs.gov
SBA.gov/CA/SF 13

Patents, 

Trademarks, 

Servicemarks, 

Copyrights & 

Trade Secrets

What is a Patent?

A patent for an invention is the grant of a property right to the inventor, issued by 

the United States Patent and Trademark Office (USPTO). U.S. patent grants 

are effective only within the United States, U.S. territories, and U.S. possessions. 

The right conferred by the patent grant is, in the language of the statute and of the 

grant itself, "the right to exclude others from making, using, offering for sale, or 

selling" the invention in the United States or "importing" the invention into the 

United States. 

There are three types of patents:

1) Utility patents may be granted to anyone who invents or discovers any new 

and useful process, machine, article of manufacture, or composition of 

matter, or any new and useful improvement thereof; 

2) Design patents may be granted to anyone who invents a new, original, and 

ornamental design for an article of manufacture; and

3) Plant patents may be granted to anyone who invents or discovers and 

asexually reproduces any distinct and new variety of plant.

What Is a Trademark or Servicemark?

A trademark is a word, name, symbol, or device that is used in trade with goods to 

indicate the source of the goods and to distinguish them from the goods of others. 

A servicemark is the same as a trademark except that it identifies and 

distinguishes the source of a service rather than a product. Registration of the 

mark in the U.S. is only effective within the United States.

Trademark rights may be used to prevent others from using a similar mark, but not 

to prevent others from making the same goods or from selling the same goods or 

services under a clearly different mark. Trademarks which are used in interstate or 

foreign commerce may be registered with the United States Patent and Trademark 

Office (USPTO): uspto.gov
14 SBA.gov/CA/SF

What is a Copyright?

Copyright is a form of protection provided to the authors of "original works of 

authorship" including literary, dramatic, musical, artistic, and certain other 

intellectual works, both published and unpublished. The 1976 Copyright Act 

generally gives the owner of copyright the exclusive right to reproduce the 

copyrighted work, to prepare derivative works, to distribute copies or 

phonorecords of the copyrighted work, to perform the copyrighted work publicly, 

or to display the copyrighted work publicly.

The copyright protects the form of expression rather than the subject matter of the 

writing. For example, a description of a machine could be copyrighted, but this 

would only prevent others from copying the description; it would not prevent 

others from writing a description of their own or from making and using the 

machine. Copyrights are registered by:

Copyright Office of the Library of Congress

copyright.gov

What Are Trade secrets?

Trade secrets are any closely held information that you may have that gives your 

business a competitive advantage. As long as you can keep the information 

secret it will be your trade secret. Some examples of trade secrets include 

business processes, manufacturing process, research techniques, research data, 

design processes and critical designs, marketing/sales/customer information, 

operation/environmental information, and chemical formulas. 

The IP Awareness Assessment Tool can be a great way to learn more about 

Intellectual Property.

uspto.gov/inventors/assessment 
SBA.gov/CA/SF 15

Licensing and Regulatory Contacts, Local

San Francisco Oakland

Fictitious Business 

Name 

County Clerk’s Office

City Hall, Suite 168

1 Dr. Carlton Goodlett Place

(415) 554-4950

sfgov.org/countyclerk or sf311.org

County Clerk

1106 Madison St., Room 136

(510) 272-6362

acgov.org/auditor/clerk/index.htm

Business License

Treasure & Tax Collector

City Hall, #140

(415) 554-4400

sftreasurer.org or sf311.org

Business Tax Office

250 Frank H. Ogawa Plaza, #1320, first floor

(510) 238-3704

oaklandnet.com

Zoning

Planning Dept. Zoning Information

1650 Mission St., Suite 400

(415) 558-6378

sf-planning.org or sf311.org

Zoning Info Desk

250 Frank H. Ogawa Plaza, 2114

(510) 238-3912

oaklandnet.com

Workers’ 

Compensation

State Compensation Insurance Fund

1275 Market Street, #200

(415) 565-1234

statefundca.com or sf311.org

State Compensation Insurance Fund

(408) 363-7600

statefundca.com

San Jose Santa Rosa

Fictitious Business 

Name

County Clerk

East Wing, 1st Floor

70 W. Hedding St.

(408) 299-5665

clerkrecorder.org

County Clerk

2300 County Center Dr., #B177

(707) 565-3800

sonoma-county.org/clerk

Business License

San Jose Finance Dept.

200 East Santa Clara Street

(408) 535-7000

sanjoseca.gov

City Hall Annex

Finance Dept.

90 Santa Rosa Ave.

(707) 543-3170

ci.santa-rosa.ca.us

Zoning

Dept. of Planning

200 East Santa Clara Street

Tower, 3rd Floor 

(408) 535-3555

sanjoseca.gov/planning

Planning Division

100 Santa Rosa Ave.

(707) 543-3189

ci.santa-rosa.ca.us

Workers’ 

Compensation

State Compensation Insurance Fund

6203 San Ignacio Avenue

(408) 363-7600

www.statefundca.com

State Compensation Insurance Fund

1450 Neotomas Ave.

(707) 573-6300

www.statefundca.com
16 SBA.gov/CA/SF

Licensing and Regulatory Contacts, Statewide

Incorporation

Secretary of State

1500 11th Street

Sacramento, CA 95814

(916) 653-6814

www.sos.ca.gov

Federal Withholding Taxes

Internal Revenue Service

(800) 829-1040

irs.gov

State Withholding Taxes

Employment Development Dept

(888) 745-3886

edd.ca.gov

Employer Identification Number

Internal Revenue Service

(800) 829-1040

irs.gov

Seller’s Permit

State Board of Equalization

250 South Second St.

(408) 277-1231

boe.ca.gov
SBA.gov/CA/SF 17

Preparing Your Business Plan

Blueprint for Your 

Business The business plan is a personal management tool that you should continue to use 

after start-up. It will assist you in the ongoing development of your business. A 

thoroughly researched and well-thought-out business plan will clarify your goals, 

focus your energy, give direction to your work, and help you gauge your progress. 

To obtain a loan or attract investors, you will need to present a cohesive picture of 

your business, the management team, why it will succeed, and how you intend to 

repay the investors.

The Format No business planning outline is totally comprehensive. The outline provided on 

the following pages will get you started. If you need assistance with a business 

plan, please contact one of the counselling and training service providers listed at 

the back of this book.

As you go through the plan, you may find that you do not know the answers to 

some of the questions or even understand some of the terms used. This is 

common and it is the main reason to try and make a plan. Building a business plan 

forces you to research and start asking questions that you may not have even 

known to ask before starting.

Online Resources Build your business plan online: sba.gov/business-plan
Business Plan Outline

Executive Summary

The Executive Summary is the first component of your business plan, but is 

actually written after all other elements of the plan have been created. It 

succinctly summarizes in no more than two pages the Organization Plan, 

Marketing Plan, and Financial Plan. It should be thoughtfully written, because 

potential investors often will not read the body of the plan if their interest is not

piqued by the executive summary.

Company Description

• What is your mission statement?

• Who are the principle members of your company and what are their roles?

• What is the legal structure of your company?

Market Research

• Describe your industry

• What regulations apply to your company?

• Who will buy your product? Why?

• Who are your competitors?

• What advantages do you have over your competition?

Product/Service Line • What is the product that your company will provide?

• Describe your pricing structure?

• In what life-cycle stage is your product or service?

• What intellectual property-rights might you need for your product or 

service? Do you have them already?

• What research and development activities are you performing already or 

planning on engaging in?

Sales

• What is your plan to grow the company?

• How will you communicate with your customers?

• How will you sell your product or service?
SBA.gov/CA/SF 19

Business Plan Outline

Financial Projections Include monthly projections for the first year and annual projections for the next 

two years. Construct the following financial tools for your first three years:

• Income statement (also called a profit and loss statement)

• Balance sheet

• Cash flow projection

• Break-even analysis

If you do not know how to construct these projections, please contact one of the 

counselling and training service providers listed at the back of this book.

Appendices

• Articles of Incorporation

• Partnership agreements

• Copies of leases

• Resumes, position descriptions

• Personnel policies

• Market survey results
Financing Your Business

More than 80% of new entrepreneurs start their businesses without any commercial loans or debt financing. 

In order to avoid saddling themselves with debt, these business owners often choose to obtain their initial 

financing from their own savings, friends and family members, informal investors, or home-equity loans.

For those who do not have these financing options available, many seek financing from commercial lenders. 

Lenders prefer to finance businesses with a proven track record and a plan for growth based on the owner’s 

experience in the industry. 

When seeking commercial financing, you need to be prepared to discuss your project with a loan officer. 

Completing your business plan is a crucial part of that preparation.

Eligibility Criteria

for SBA 

Guaranteed Loans

To be eligible for an SBA guaranteed loan, the business must: 

• Be organized for-profit and qualify as a small business under SBA’s size 

standards; 

• Be of good character and demonstrate sufficient management expertise 

and commitment to provide reasonable assurance of a successful business 

operation;

• Have satisfactory historical earnings and cash-flow record, or probable 

future earnings that demonstrate the ability to repay the loan; and 

• Have reasonable capital injection for a new business start-up or a business 

acquisition. 

For an existing business, acceptable tangible net worth is required, demonstrating 

that the business can operate on a sound financial basis.

Some types of businesses are ineligible for SBA financial assistance, including

those engaged in:

• speculation, 

• lending, 

• investment, and 

• residential real estate acquisition.
SBA.gov/CA/SF 21

Documents Needed

to Apply for a Loan

Loan applications are obtained from participating lenders. Generally, the 

following documentation is required:

• A current income statement and balance sheet for existing businesses. 

• A realistic projected monthly cash flow and income statement for one 

year.

• A current personal financial statement for each principal of the business 

having 20% or more ownership

• Itemized use of proceeds

• Lists of collateral with an estimate of current market value and liens 

against the collateral

• A comprehensive, well-documented, carefully-researched business plan

• A schedule of business debt as well as aging of accounts receivable and 

payable

• Personal and business tax returns for the last three years

• A copy of your lease and any contracts or agreements pertinent to the 

applicant business
SBA Lending FAQs

sba.gov/financing

SBA enables its participant banks to provide financing that is otherwise not available to small businesses. 

The SBA accomplishes this by guaranteeing approximately 75% - 85% of the loan for the bank. This helps 

to offset the risk of default that banks associate with lending to small businesses. For bank guaranteed 

loans, the maximum amount is generally $5,000,000. There is no minimum amount; and some banks will 

make loans as small as $5,000. 

If a bank makes the decision to extend an SBA-backed loan to a business owner, the SBA will provide the 

bank with a written authorization outlining the terms and conditions of the SBA guarantee (e.g., the interest 

rate, payment terms, loan maturity, use of proceeds, and the required collateral). 

If the business defaults on the loan, SBA will pay the bank the guaranteed share of the unpaid principal 

balance of the loan. SBA also shares in any recoveries obtained from the collateral. The borrower remains 

liable for repayment of the full loan amount. 

The SBA does not directly lend to small businesses. It does not provide grants or other direct financing to 

businesses. SBA programs are accessed through participating partners.

If you are buying real estate that will be occupied by the business (minimum 51% occupancy requirement) 

or heavy equipment, you may also qualify for a 504 Certified Development Company (CDC) loan with as 

little as 10% down.

How do I apply?

The SBA’s participating lenders receive the SBA loan applications, and they are responsible for processing, 

closing, disbursing, and servicing the loans. A list of local SBA participant lenders follows this section. If 

your local bank of account is on our list, that is a good place to start. Many of the banks now have on-line 

application procedures, so you may check their web site before you start. Additionally, Borrowers may 

connect directly to hundreds of lenders at once using SBA LINC – an online tool that connects you to SBA 

lenders serving your area. Access SBA LINC at:

sba.gov/tools/LINC
SBA.gov/CA/SF 23

SBA’s involvement in the lending process is limited to reviewing the loan application submitted by the bank 

to assure it meets eligibility and credit standards. The following information is generally needed: 

• your business plan, 

• cash flow projections, 

• pro forma balance sheet, 

• personal financial statements, 

• copies of IRS tax returns, 

• business financial statements (if already in business), 

• collateral available to secure the loan, 

• and management resumes of those involved in operating the business. 

Be prepared to discuss your proposal in detail with your lender. If the bank determines they are comfortable 

with making the loan, they will then forward your loan application along with their credit analysis to the 

SBA for approval of the SBA guaranty.

What do I need to qualify for an SBA loan?

The business must be organized for-profit and meet size standard and other eligibility requirements 

(including a review of citizenship status and any criminal history). A reasonable equity injection or down 

payment of 20% to 35% or more is generally required for startups. This is usually in the form of cash that is 

not borrowed, machinery and equipment, or other tangible assets. The owners or managers must

demonstrate that they have the knowledge and experience needed to operate and manage the business 

successfully. The business must demonstrate it can generate sufficient profits to both repay the loan and 

provide the owner with reasonable compensation for operating the business. 
24 SBA.gov/CA/SF

What if I have a bad credit history?

SBA lenders do consider the personal credit history of anyone owning 20% or more of the business. The 

first thing a bank will do when you apply for a loan is to obtain your personal credit report. If you have not 

already reviewed your personal credit report, you should do so. You can access your credit report for free 

by visiting www.annualcreditreport.com. 

Be prepared to discuss with the bank any credit problems (e.g., late pays, collection accounts, judgments, 

and bankruptcies). If these derogatory items can be justified by extenuating circumstances, you may still 

have a chance to obtain a business loan.

What kind of collateral is required?

Repayment ability from the cash flow of the business, not collateral, is the primary consideration in the SBA 

loan decision. Good character, management capability, and owner’s equity contribution are also important. 

All owners of twenty percent (20%) or more of the business are required to personally guarantee the full 

amount of the SBA loan. The SBA does not decline a loan solely due to lack of collateral; however, if 

collateral is available, and the borrower refuses to pledge it, the loan can be declined.

 

What are the terms and interest rates on an SBA loan?

SBA does not set the interest rate on SBA loans, only the maximum rate the bank may charge. Most SBA 

loans are variable rate loans, with a maximum interest rate of prime plus up to 1% to 6.5%, depending on the 

size and type of loan. The prime rate changes daily and is published in the Wall Street Journal. The actual 

rates and terms of loans are negotiated between the lender and the borrower. SBA also charges a guaranty 

fee to the lender, which is passed on to the borrower. The fee is based on the SBA-guaranteed amount of the 

loan (not the gross amount of the loan), and ranges from 0.25% to 3.5% for the largest loans. The guaranty 

fee may be financed as part of the SBA loan amount. 
SBA.gov/CA/SF 25

What is the benefit of the SBA guaranty?

SBA’s loan program was designed to provide assistance to businesses that cannot obtain financing at 

reasonable rates and terms elsewhere. If a borrower can access credit with better terms, it usually means 

they have established credit or they have plenty of equity in real property.

How long do I have to repay the SBA loan?

Most SBA loans have a ten-year term. If the loan is for the purchase of commercial real estate where the 

business is located and operated from (minimum 51% occupancy by the business), the term can be up to 25 

years. All SBA loans are fully amortizing, with no balloon payment. There is no prepayment penalty 

except for loans with a term of 15 years or more. 

What if I am declined for an SBA loan by my bank?

Find out from the lender why the loan was declined. Try to overcome those reasons as best you can, and 

then reapply to a different SBA lender. Lenders are not all alike, and it is possible to find a lender willing to 

approve a loan application that may have been turned down by other lenders. 

What are the benefits of the SBA-guaranteed loan?

The SBA guaranty reduces the lender’s risk, and allows lenders to approve loans that they otherwise might 

not be willing to approve based on their internal lending standards. This allows many otherwise-qualified 

small businesses to obtain financing that would not be available without the SBA guaranty. In addition, the 

SBA guaranty provides for a longer loan term, generally up to ten years. Finally, all SBA-guaranteed loans 

are fully amortizing, with no balloon payment. 
SBA San Francisco District

7(a) Guaranteed Lenders 

(Updated August 2016)

Bank Name Web Site Phone

Alta Pacific Bank altapacificbank.com (909) 256-5302

Bank of America bankofamerica.com (800) 263-2055

Bank of Guam bankofguam.com (415) 392-1670

Bank of San Francisco bankofsf.com (415) 744-6702

Bank of the Orient bankorient.com (415) 338-0748

Bank of the West bankofthewest.com (866) 306-7254

Bay Commercial Bank baycommercialbank.com (925) 476-1805

BBCN Bank bbcnbank.com (408) 557-2023

Beneficial State Bank beneficialstatebank.com (510) 550-8400

Boston Private Bank & Trust bostonprivatebank.com (650) 378-3722

Bridge Bank bridgebanksv.com (408) 556-8334

California Bank and Trust calbanktrust.com (916) 561-1121

California Bank of Commerce californiabankofcommerce.com (925) 444-2935

CapitalSource Bank capitalsource.com (916) 457-7360

Cathay Bank cathaybank.com (866) 228-4296

Celtic Bank Corporation celticbank.com (877) 472-1941 (916) 

Chase Bank chase.com (415) 315-5913

Citibank, N.A. citibank.com (415) 658-4465

CIT Small Business Lending cit.com (801) 412-6800

City National Bank citinationalbank.com (800) 722-5945

Comerica Bank comerica.com (408) 556-5886

Commerce National Bank commercenationalbank.com (949) 870-4407

Community Bank communitybank.com (877) 636-7492

Community Bank of the Bay communitybankbay.com (408) 298-4900

Community First Bank communityfirstbank.com (530) 863-4805

Community South Bank communitysouthlending.com (415) 682-9275

Community West Bank communitywestbank.com (408) 379-1724

Compass Bank compassbank.com (888) 273-5363

County Bank countybank.com (209) 725-4522

Cooperative Center Federal CU cooperativecenterfederalcu.com (510) 647-2131

CTBC Bank Corp (USA) ctbcbankusa.com (408) 873-3280

East West Bank eastwestbank.com (888) 895-5650

Exchange Bank exchangebank.com (707) 524-3000

Far East National Bank fareastnationalbank.com (415) 677-8566

First Community Bank fcbconnect.com (707) 636-9000

First Financial Bank firstfinacialbank.com (870) 863-7000

First Nat’l Bank of Northern CA fnbnorcal.com (415) 488-2733
SBA.gov/CA/SF 27

GBC International Bank gbcib.com (408) 280-1288

Golden Pacific Bank yourbankingsolution.com (800) 582-5503

Grow America Fund, Inc. growamericafund.com (518) 271-9256

Hana Small Business Lending hanafinancial.com (408) 273-4554

Hanmi Bank hanmi.com (213) 382-2200

Heritage Bank of Commerce heritagecommercecorp.com (408) 947-6900

Industrial & Commercial Bank of 

China

icbc.com (650) 872-9700

Keypoint Credit Union keypointcu.com (408) 731-4303

Lighthouse Bank lighthousebank.net (831) 600-4013

Live Oak Banking Company liveoakbanking.com (877) 790-1678

Meadows Bank meadowsbank.com (916) 427-5772

Mechanics Bank mechanicsbank.com (510) 262-7210

Meriwest Credit Union meriwestcu.org (408) 363-3382

Mission Valley Bank missionvalleybank.com (925) 756-2545

Monterey County Bank montereycountybank.com (831) 649-4600

New Resource Bank newresourcebank.com (415) 995-8100

Newtek Small Business Finance newteksbfinance.com (866) 639-1835

North Valley Bank northvalleybank.com (707) 443-8488

Open Bank myopenbank.com (415) 810-9007

Pacific City Bank pacificcitybank.com (925) 847-2017

Pacific Coast Bankers’ Bank pacificcoastbankersbank.com (415) 399-1900

Pacific Community Ventures pacificcommunityvendtures.com (415) 442-4300

Pacific Enterprise Bank pacificenterprisebank.com (949) 623-7585

Pacific Premier Bank ppbi.com (805) 551-7184

Pinnacle Bank pinnaclebankonline.com (408) 762-7163

Plaza Bank plazabank.com (858) 220-9106

Plumas Bank plumasbank.com (530) 889-8616

Rabobank rabobank.com (888) 945-6600

Redwood Capital Bank redwoodcapitalbank.com (707) 444-9800

Redwood Credit Union redwoodcu.org (800) 479-7928

SF Fire Credit Union sffirecu.org (415) 674-4808

SAFE-BIDCO safe-bidco.com (707) 577-8621

Santa Cruz Community CU scruzccu.org (831) 425-7708

Santa Cruz County Bank sccountybank.com (831) 457-5000

Savings Bank of Mendocino County savingsbank.com (707) 463-6006

Seacoast Commerce Bank seacoastcommercebank.com (619) 476-7776

Spirit of Texas Bank, SSB spiritoftexasbank.com (281) 252-8888

Stanford Federal Credit Union sfcu.org (650) 723-8940

Summit Bank summitbanking.com (510) 839-8800
28 SBA.gov/CA/SF

Summit State Bank summitstatebank.com (707) 568-6000

Technology Credit Union technologycreditunion.com (408) 467-6917

Trans-Pacific National Bank tpnb.com (415) 543-0326

Travis Credit Union traviscu.com (707) 469-1845

Umpqua Bank humboldtbank.com (707) 269-3120

Union Bank of California uboc.com (866) 825-6267

United American Bank uabgold.com (408) 636-1905

United Business Bank unitedbusinessbank.com (213) 355-8901

UPS Capital Business Credit capital.ups.com (866) 489-6881

U. S. Bank, N.A. usbank.com (858) 530-9655

Vision One (Optometrist’s only) visionone.org (800) 327-2628

Wells Fargo Bank wellsfargo.com (800) 495-8256

Wilshire State Bank wilshirestatebank.com (408) 942-4200

World Trade Finance, Inc. worldtradefinanceinc.om (818) 556-8588

SBA Community Advantage Loan Program

Community Advantage is an SBA program aimed at increasing the number of SBA loans being made to 

underserved communities. The maximum loan amount is $250,000, and SBA provides a guaranty to the 

lender of up to 85%. The maximum interest rate is prime plus 6.0%. The small business borrower 

applies directly to an approved Community Advantage lender.

Community Advantage Lenders

Main Street Launch

Oakland, CA

510-763-4297

mainstreetlaunch.org 

Valley Economic Development Center (VEDC)

Oakland, CA

510-267-8993

vedc.org

Arcata Economic Development Corp.

Arcata, CA

707-822-4616

aedc1.org

CDC Small Business Finance

Sacramento, CA 

916-473-0204

cdcloans.com

TMC Development Co.

San Francisco, CA

415-989-8855

tmcfinancing.com
SBA.gov/CA/SF 29

SBA Microloan Program

The SBA Microloan Program was developed to increase the availability of very small loans to prospective 

small business borrowers. Under this program, SBA makes funds available to nonprofit intermediaries 

(microlenders), who then make loans to eligible small business borrowers in amounts that range from under 

$500 to a maximum of $50,000. Applications are submitted directly to the microlenders (see following 

list). 

Each microlender has its own loan approval requirements, but must take as collateral any assets bought with 

the microloan. In most cases, the personal guaranties of the business owners are also required.

Terms, Rates, and 

Fees

Under the Microloan Program, the maximum loan amount is $50,000. The average 

is around $25,000. The maximum term is six years. However, loan terms vary 

according to the size of the loan, the planned use of funds, the requirements of the 

microlender, and the needs of the small business borrower. Interest is at a fixed rate

set by the microlender, currently in the range of 7.5 to 10.5%. 

Use of Funds The loan proceeds can be used for:

• working capital,

• equipment,

• furniture and fixtures,

• inventory, and 

• leasehold improvements. 
30 SBA.gov/CA/SF

SBA Microlending Intermediaries

Arcata Economic Development Corporation

Arcata, CA 

aedc1.org

Counties Served: Del Norte, Humboldt, Lake, Mendocino, Shasta, Siskiyou, Trinity

(707) 822-4616

California Coastal Rural Development Corporation

Salinas, CA 

calcoastal.org

Counties Served: Monterey, San Benito, San Luis Obispo, Santa Barbara, Santa 

Clara, Santa Cruz, Ventura

(831) 424-1099

CDC Small Business Finance

Oakland, CA

cdcloans.com

Counties Served: Alameda, San Francisco, San Mateo, Santa Clara

(916) 473-0204

Main Street Launch

Oakland, CA 

MainStreetLaunch.org 

Constituencies Served: Oakland, San Francisco, Veterans

(510) 763-4297

Opportunity Fund

San Jose, CA 

opportunityfund.org

Counties Served: Alameda, Contra Costa, Marin, Monterey, Napa, San Francisco, 

San Joaquin, San Mateo, Santa Cruz, Santa Clara, Solano, Sonoma

(866) 299 -8173

Southeast Asian Community Center

San Francisco, CA 

seaccusa.org

Counties Served: Alameda, Contra Costa, Marin, Merced, Napa, Sacramento, San 

Francisco, San Mateo, Santa Clara, Solano, Sonoma

(415) 885-2743

or

(510) 261-8289

TMC Working Solutions

San Francisco, CA 

tmcworkingsolutions.org

Counties Served: Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, 

Santa Clara, Solano, Sonoma

(415) 655-5473
SBA.gov/CA/SF 31

504 Certified Development Company Loan Program

If you are buying real estate to house your business, or heavy equipment, you 

may qualify for a 504 Certified Development Company (CDC) loan (“504 

loan”) with as little as 10% down. This program provides growing businesses 

with long-term, fixed-rate financing for major fixed assets. 

A 504 project includes a loan made by a private lender, usually for 50% of the 

project cost which is secured with a senior lien on the property. This loan is not 

guaranteed by SBA. In second lien position is a loan that is 100%-guaranteed 

by SBA in an amount not to exceed 40% of the project cost. The small business 

borrower is required to provide a minimum 10% borrower’s injection. 

The SBA 504 loan enables small businesses to benefit from a below-market, 

fixed interest rate for up to 20 years to finance long-term fixed assets. 

504 Certified Development Companies

Arcata Economic Development Corporation

100 Ericson Court, Suite 100A

Arcata, CA 95521

(707) 822-4616

aedc1.org

Bay Area Development Company

1801 Oakland Blvd., Suite 300

Walnut Creek, CA 94596

(925) 926-1020

baydevco.com

California Coastal Rural Development Corp.

221 Main Street, Suite 301

Salinas, CA 93902

(831) 424-1099

calcoastal.org

California Statewide CDC

426 “D” Street

Davis, CA 95616

(530) 756-9310

californiastatewide.org

Capital Access Group

150 California Street, Suite 250

San Francisco, CA 94111

(415) 217-7600

capitalaccess.com

TMC Financing

440 Pacific Avenue

San Francisco, CA 94133

(415) 989-8855

tmcfinancing.com
32 SBA.gov/CA/SF

Alternative Financing

Even if you are unable to secure conventional financing for your business from a lender, there are still 

several avenues open to you.

Credit Cards One of the most common methods of financing a new business is utilizing credit 

cards. If you have even moderately good credit, they can be easy to obtain, and 

using them is easy and flexible. The downside is the interest rate is almost 

always higher than what you would pay for a conventional term loan or line of 

credit, possibly as high as 20 percent, and fees and penalties can be burdensome.

If you do decide to use credit cards, open a new card just for your business, and 

then keep your personal expenditures off that card. Doing so will make it 

possible for you to keep track of your business costs and will make possible refinancing of the debt easier and more likely in the future.

Peer-to-Peer Lending These non-SBA programs are emerging as popular and useful options for 

funding a small business. Typically operating through the internet, they do 

away with participation of a traditional financial institution to allow borrowers 

to connect directly with individuals interested in lending money. Small amounts 

offered by numerous individuals can be pooled together as a loan offering to the 

small business. 

• Kiva.org

• LendingClub.com

• Prosper.com

• FundingCircle.com

Note: SBA is not affiliated or associated with any of these websites, and SBA makes no representations or 

recommendations regarding their products or services.

Crowd Funding Crowd funding is the umbrella term for internet-based programs that link 

prospective borrowers with a large pool of small-dollar contributors. 

• Kickstarter.com

• IndieGoGo.com

• CircleUp.com

• Kiva.org

Note: SBA is not affiliated or associated with any of these websites, and SBA makes no representations or 

recommendations regarding their products or services.
SBA.gov/CA/SF 33

Alternative Financing (cont.)

Angel Investing, 

Venture Capital

Angel investors are individuals who provide capital usually in exchange for 

convertible debt or ownership equity. Some investors organize themselves into 

angel groups or networks. 

Equity investing is usually carried out by venture capital funds, and typically 

targets companies with the potential for rapid and substantial growth, often in 

technology-based businesses. Venture capital investments are generally made 

as cash in exchange for shares in the invested company. Venture capitalists seek 

a high rate of return on their investment. To obtain venture capital, the small 

business owner must be willing to give up some ownership and control of their 

business.

Small Business 

Investment Company 

(SBIC) 

SBA loans money to approved venture capitalists who in turn invest in eligible 

and qualified small businesses. To learn more about the SBA SBIC program, 

visit: www.sba.gov/sbic.
34 SBA.gov/CA/SF

Management and Technical Assistance Programs

SBA San Francisco 

District Office

San Francisco SBA Entrepreneur Center

455 Market Street, Suite 600

San Francisco, CA 94105

(415) 744-6820

sba.gov/ca/sf

Email: sfomail@sba.gov

The center contains both a training room and a resource center. The training 

program assists small businesses by providing classes which cover a spectrum of 

interests and needs, including technology, marketing, accounting, financing and 

start-up information. The resource center provides materials on a wide variety of 

topics, such as marketing and financial resources, with a strong emphasis on 

creating business plans. Free one-on-one counseling from SCORE is also 

available in the center. 

View the San Francisco SBA District Office online calendar at: 

sba.gov/events and enter Zip Code 94105.

Register and view events at: http://sbatrainings.eventbrite.com

All SBA programs are extended to the public on a nondiscriminatory basis. Reasonable 

arrangements for persons with disabilities will be made, if requested at least 2 weeks in 

advance: call 415-744-6820.

SCORE SCORE, a small business counseling program sponsored by SBA, is composed 

of active and retired business executives who volunteer their time to counsel 

and advise small business owners on the many aspects of starting and managing 

their businesses. Avoid some of the pitfalls and bumps in the road by learning 

from their experience. Confidential, one-on-one counseling both face-to-face 

and online is always free. SCORE also conducts workshops, for which there 

may be a nominal fee to cover costs. 

As members of your community, SCORE mentors understand local business 

licensing rules, economic conditions and important networks.
SBA.gov/CA/SF 35

SCORE Offices

East Bay SCORE

492 - 9th Street, #350

Oakland, CA 94607

eastbayscore.org

(510) 273-6611

North Coast SCORE

777 Sonoma Ave., Suite 115 B

Santa Rosa, CA 95404

scorenorthcoastca.org

(707) 571-8342

San Francisco SCORE

455 Market Street, Suite 600

San Francisco, CA 94105

sfscore.org

(415) 744-6827

Santa Cruz SCORE

Capitola Chamber of Commerce

716G Capitola Ave,

Capitola, CA 95010

santacruzscore.org

(831) 621-3735

Silicon Valley SCORE

234 E. Gish Rd., Suite 100

San Jose, CA 95112

svscore.org

(408) 453-6237

Small Business 

Development 

Centers (SBDCs)

SBDCs deliver free one-on-one counseling, training, and technical assistance in 

all aspects of small business management. There is a SBDC located in every 

county in California. 

SBDC advisors provide aspiring and current small business owners a variety of 

free business consulting and low-cost training. Consultants are paid staff 

members who are hired based upon their expertise in specialized areas of 

knowledge.
36 SBA.gov/CA/SF

Small Business Development Centers

Alameda County

Alameda County SBDC

2101 Webster St, Ste 1200

Oakland, CA 94612

(510) 208-0410

ACSBDC.org

Contra Costa 

County

Contra Costa SBDC

300 Ellinwood Way, Suite 300

Pleasant Hill, CA 94523

(925) 602-6806

ContraCostaSBDC.org

Del Norte and 

Humboldt 

Counties

North Coast SBDC

520 “E” Street

Eureka, CA 95501

(707) 445-9720

NorthCoastSBDC.org

Marin County

104 Bertrand Hall

Dominican University

San Rafael, CA 94901

(415) 755-1100

MarinSBDC.org

Mendocino 

County

Mendocino SBDC

760 “B” Stewart Street

Fort Bragg, CA 95437

(707) 964-7571

MendoSBDC.org

Napa County

Napa/Sonoma SBDC

2277 Napa Vallejo Highway, 

Bldg 3300

Napa, CA 94559

(707) 256-7250

NapaSBDC.org

San Francisco

County

San Francisco SBDC

City Hall, 1 Dr. Carlton B. 

Goodlett Place, Suite 110

San Francisco, CA 94102

(415) 937-7232

SFSBDC.org

San Mateo 

County

San Mateo SBDC

San Mateo Community College

1700 W. Hillsdale Blvd, Bldg 10

San Mateo, CA 94402

(650) 574-6402

SanMateoSBDC.org

Santa Clara 

County

Silicon Valley SBDC

1887 Monterey Rd., 2nd Floor

San Jose, CA 95112

(408) 248-4800

SVSBDC.org

Santa Cruz 

County

Santa Cruz County SBDC

6500 Soquel Drive

Aptos, CA 95003

(831) 479-6136

SantaCruzSBDC.org

Solano County

Solano SBDC

4000 Suisun Valley Rd, Rm 168

Fairfield, CA 94534

(707) 864-3382

SolanoSBDC.org

Sonoma County

Sonoma/Napa SBDC

141 Stony Circle

Santa Rosa, CA 95401

(707) 595-0060

SonomaSBDC.org

Hispanic Satellite

SBDC Hispanic Satellite

1887 Monterey Rd., 2nd Floor

San Jose, CA 95112

(408) 385-9800

SBDCHC.org

Tech Futures 

Group

Serving Businesses in 

Technology

(415) 494-7232

TechFuturesGroup.org
SBA.gov/CA/SF 37

Women’s Business 

Centers

SBA's Women’s Business Center program is a national network providing 

educational resources to help women start and grow successful small 

businesses. The program's mission is to level the playing field for women 

entrepreneurs still facing unique obstacles in the business world.

Women’s Business Centers

AnewAmerica

Oakland WBC Location

1470 Fruitvale Ave., Suite 5

Oakland, CA 94601

(510) 532-5240

anewamerica.org 

AnewAmerica 

San Jose WBC Location

210 N. 4th Street, Suite 205

San Jose, CA 95112

 

(408) 326-2669

anewamerica.org 

Renaissance Entrepreneurship Center

San Francisco WBC Location

275 Fifth Street

San Francisco, CA 94103

(415) 541-8580

rencenter.org

West Company

WBC Program Manager

760 B Stewart Street

Fort Bragg, CA 95437

(707) 964.7571

westcompany.org
38 SBA.gov/CA/SF

Considerations in Operating a Home-Based Business 

Many entrepreneurs consider basing their businesses in their homes for a number of reasons: it keeps 

overhead low; they are able to combine running a business with the need to care for other family 

members, and have flexibility in terms of work hours, etc. As a result, a growing number of businesses 

today are home-based. 

Not everyone, however, is suited for working in their living environment. Many home-based business 

owners have cited isolation as being a major problem; others point to a lack of the necessary selfdiscipline. 

Consider these points when establishing your business in your home: 

• You must be self-disciplined. You cannot be distracted from your business by the demands of 

family, visiting neighbors, etc. You must be able to set limits and plan your time. 

• You should treat your business as though you’re operating in a commercial space. This 

means establishing and maintaining set hours and an environment of professionalism. Dedicate 

space that is used for your business and absolutely nothing else. 

• Create a supportive business environment. You will need to have the furnishings and 

technological support of a commercial office, including a desk, chair, computer, inventory, etc.

• Verify that it is legal to operate out of your home. Contact the city or county where you reside to 

obtain a copy of your zoning ordinance. If you live in a condominium, check with your condo 

association, as some prohibit the operation of a home-based business. 

• Establish a solid structure for your business. Choose the correct legal form for your business. 

Many home-based businesses are sole proprietorships, but make sure that you choose the

appropriate form for your business. Set up an effective record-keeping system, and ensure that 

you are in compliance tax requirements. Make sure the business use of your home is compatible 

with your existing homeowner’s policy; you might need a commercial policy for full protection. 

• Maintain a good relationship with your neighbors. Avoid complaints that may arise from the 

traffic caused by clients visiting you or by delivery trucks. 

Build a supportive network among family members. It is important that your family understand and 

support you in your business, because a home-based business will more often than not create some 

disruption to their lifestyle and privacy. 
SBA.gov/CA/SF 39

Health Care 

The Affordable 

Care Act

The Patient Protection and Affordable Care Act (Affordable Care Act or ACA) 

enacted comprehensive health insurance reforms designed to ensure Americans 

have access to quality, affordable health insurance. Learn what the law means for 

small businesses.

Key Provisions of 

the ACA

The ACA includes a variety of measures specifically for small businesses that 

help lower premium cost growth and increase access to quality, affordable health 

insurance. Depending on whether you are self-employed, an employer with fewer 

than 25 employees, an employer with fewer than 50 employees, or an employer 

with 50 or more employees, different provisions of the Affordable Care Act may 

apply to you. Learn about the key provisions of the Affordable Care Act based on 

the size of your business from the resources listed below.

Resources

• SBA.gov/Healthcare

• Healthcare.gov

• CoveredCA.com
40 SBA.gov/CA/SF

Doing Business with the Government 

Dealing with the Federal Government can seem like a formidable task at times. However, with a little 

patience, persistence and perseverance on your part – your efforts will be rewarded in the long run. 

Following these steps will help.

1. Become familiar with the SBA/Government Contracting Website

· sba.gov/contracting 

2. Determine if your firm qualifies for one of SBA’s Certification Programs and self-certify yourself for 

some of those programs.

· sba.gov/8abd

· sba.gov/hubzone

· certify.sba.gov

3. Obtain a DUNS Number, and register in the System for Award Management (SAM).

· dnb.com

· sam.gov

4. Identify your product or service.

· naics.com

5. Identify current federal procurement opportunities.

· fbo.gov

6. Familiarize yourself with the government’s contracting procedures.

· acquisition.gov

7. Investigate Federal Supply Schedule (FSS) contracts.

· GSAeLibrary.gsa.gov

· fss.va.gov

8. Seek additional assistance as needed in the federal 

marketplace.

· osdbu.gov

· sba.gov/contracting/resources-small-businesses

9. Explore subcontracting opportunities.

· web.sba.gov/subnet 
SBA.gov/CA/SF 41

SBA’s Online Tools, Training & Social Media

SBA.gov/CA/SF

The SBA Web site provides you with up-to-date special information on SBA programs, a calendar 

of local events, points of contact, on-line training, and access to other federal on-line services, email 

updates, special interest groups, and more.

San Francisco SBA Entrepreneur Center

Registration and detailed information about the variety of classes for business owners in our San 

Francisco SBA Entrepreneur Center, located at 455 Market Street, Suite 600, in downtown San 

Francisco. Visit: http://sbatrainings.eventbrite.com for the current class schedule.

SCORE.org

SCORE’s website provides access to counseling, training, office locations and contact information 

with to your local chapter.

SBA.gov/Training

Training is available anytime and anywhere – all you need is a computer with internet access.

• More than 30 free online courses and workshops available

• Templates and samples to get your business planning underway

• Online, interactive assessment tools are featured and used to direct clients to appropriate 

training

Get E-mail Updates

To sign up for email updates from SBA, visit sba.gov/updates

facebook.com/SBAgov

twitter.com/SBA_Pacific

youtube.com/user/SBA
42 SBA.gov/CA/SF

Business Organizations 

There are many business organizations that can benefit you throughout the life of your business by

offering information on:

• New equipment and technology related to your business.

• Seminars, conferences, and trade fairs for your industry.

• How to allocate resources within your business.

• Effective marketing and advertising strategies.

Business and Trade 

Organizations

Business and trade organizations are an invaluable source of information and 

assistance. There are thousands of associations covering virtually every 

industry, so the chances are good that you will find one that fits your type of 

business. Check with your local reference library—another good advisor—for 

assistance or research online with your preferred search engine to find these. 

Many associations have regional and sometimes local chapters. Most have 

newsletters for their members. At the very least, subscribe to the newsletters. 

This is one of the best sources for obtaining information directly related to your 

business.

Networking Groups Networking groups and organizations come in various types, but most help you 

avoid the isolation we discussed earlier, and they provide timely information 

and answers to your questions. They may even provide valuable contacts and 

new customers. The more you participate, the more beneficial the relationship. 

Meetings of business groups and networking organizations are usually listed on 

social media platforms, online on meetup websites, in local newspapers, and in

local event calendars.

Chambers of 

Commerce

Chambers of Commerce provide information on local activities and trends in 

your area that impact your business, business education programs, and 

opportunities for you to network with other local entrepreneurs. Chambers are 

also good sources of information about upcoming business activities in 

your community. Often there is a fee to become a member of a local chamber.
SBA.gov/CA/SF 43

Other Small Business Resources

SBA’s inclusion of these resources is not an endorsement of any product, service, or entity 

below.

Statewide

Governor’s Office of 

Business and Economic 

Development

1325 J Street, Suite 1800 Sacramento, 

CA 95814 

(916) 322-0694 / (877) 345-4633

Business.ca.gov

State-wide agency that acts 

as a single point of contact 

for business needs 

including small business 

assistance and assistance 

with state government

California Business 

Incentives Gateway cbig.ca.gov

One-stop business 

development website from 

the state treasurer’s office. 

Businesses in California 

can find help across 

agencies.

CalGold calgold.ca.gov

Generates custom lists of 

all of the local, county, 

state and federal permit and 

licensing requirements 

needed for different 

business types

California Chamber of 

Commerce

1215 K St., Suite 1400

Sacramento, CA 95814

(916) 444-6670

calchamber.com

Information on legislation 

affecting small businesses; 

Sell start-up kits for those 

doing business in 

California

California Secretary of

State

1500 11th Street

Sacramento, CA 95814

(916) 653-6814

www.sos.ca.gov

Information on filing as a 

corporation; trademark 

searches

Ex-Im Bank

50 Fremont Street, Suite 2450

San Francisco, CA 94105

(415) 705-2285

exim.gov

Aids U.S. companies 

engaging in international 

trade

Opportunity Fund

111 West St. John Street, Suite 800

San Jose, CA 95113

(408) 297-0204

opportunityfund.org

Provides microloans and 

access to financing and 

financial management 

skills

Office of Historic 

Preservation -

California Main St.

1725 23rd Street, Suite 100

Sacramento, CA 95816

(916) 445-7000

ohp.parks.ca.gov

Promote a healthy business 

environment in California’s 

historic downtowns
44 SBA.gov/CA/SF

Bay Area

Legal Services for 

Entrepreneurs (LSE)

131 Steuart Street # 400

San Francisco, CA 94105

(415) 543-9444

lccr.com/legal-servicesentrepreneurs.php

Assists low-income 

individuals who start or 

expand for-profit 

businesses

Western Regional 

Minority Supplier 

Development Council

(WRMSDC)

460 Hegenberger Road, Suite 730

Oakland, CA 94621

(510) 686-2555

affiliate.nmsdc.org/wrmsdc

Links minority owned 

businesses with corporate 

purchasing representatives

Nor-Cal Financial 

Development 

Corporation

300 Frank H. Ogawa Plaza

Suite 231

Oakland, CA 94612 

(510) 452-9591

nor-calfdc.org

State loan small business 

financing options from 

$5,000 to $5,000,000

Pacific Community 

Ventures

51 Federal Street, Suite 100

San Francisco, CA 94107

(415) 442-4300 

pacificcommunityventures.org

BusinessAdvising.org

Provides small businesses 

counseling, loans, and 

equity investments

East Bay

Oakland Business 

Assistance Center

270 Frank Ogawa Plaza

Oakland, 94612

510-238-7952

oaklandbusinesscenter.com

one-stop information and 

referral center for 

businesses in Oakland

East Bay Asian Local 

Development 

Corporation

1825 San Pablo Street, Suite 200

Oakland, CA 94612

(510) 287-5353

ebaldc.org

Small business loan 

program

East Bay Economic 

Development Alliance

1221 Oak Street,

Suite 555, Oakland, CA 94612

(510) 272-6746

http://eastbayeda.org

Regional voice and 

networking resource for 

strengthening the economy, 

building the workforce and 

enhancing the quality of 

life in the East Bay.
SBA.gov/CA/SF 45

San Francisco

Office of Small 

Business – Small 

Business Assistance 

Center

City Hall, Room 110

1 Dr. Carlton B. Goodlett Place

San Francisco CA 94102

(415) 554-6134

sfosb.org

Central point of 

information and referral for 

entrepreneurs and small 

businesses

The SF LGBT Center –

Small Business Services

1800 Market Street

San Francisco CA 94102

(415) 865-5661

sfcenter.org

Serve the LGBT 

community including 

counseling, microloans, 

workshops on access to 

capital, small business 

mentorship and referrals

Renaissance Bayview 

Entrepreneurship 

Center

India Basin Plaza

1325-B Evans Avenue

San Francisco, CA 94124

(415) 647-3728

rencenter.org/locations/bayview

Small Business training, 

consulting, and resource 

center.

Mission Economic 

Development Agency

(MEDA)

2301 Mission Street, Suite 301

San Francisco, CA 94110

(415) 282-3334

medasf.org

Technical assistance, loan 

packaging, and 

procurement assistance. 

Emphasis on Mission 

District businesses

Asian, Inc.

1167 Mission Street

San Francisco, CA 94103

(415) 928-5910

asianinc.org

Marketing and procurement 

assistance; loan packaging

Urban Solutions

1083 Mission Street, 2nd Floor

San Francisco, CA 94103

(415) 553-4433

urbansolutionssf.org

Technical assistance, loan 

packaging and other 

services to San Francisco 

businesses

Business & Technology 

Center - San Francisco 

Public Library

100 Larkin Street, 4th Floor

San Francisco, CA 94102 -9733

(415) 557-4400

sfpl.org

Provides materials and 

databases for business 

planning, research, 

operations, and marketing

South Bay/San Jose

El Pajaro Community 

Development 

Corporation

23 East Beach Street, Suite 209

Watsonville, California 95076

(831) 722-1224

elpajarocdc.org

Training and technical 

assistance to help start or 

grow a business

Gilroy Economic 

Development 

Corporation

7471 Monterey Street

Gilroy, CA 95020

(408) 847-7611

gilroyedc.org

Promotes economic 

development within the 

City of Gilroy
46 SBA.gov/CA/SF

All SBA programs are extended to the public on a nondiscriminatory basis. Reasonable arrangements for 

persons with disabilities will be made, if requested at least 2 weeks in advance. 

Contact: SBA San Francisco District Office at (415) 744-6820 or by email at sfomail@sba.gov

Revised January 2017 

North Bay/North Coast

West Company Locations in Fort Bragg and Ukiah 

(707) 467-5931

westcompany.org

Technical assistance for 

Micro-enterprises targeting 

low-income women & 

minorities

Other online Resources

Small Business 

Borrower’s Bill of 

Rights

ResponsibleBusinessLending.org 

Advocacy organization for 

responsible small business 

lending.

Bizben.com bizben.com Search businesses for sale 

in California

Business.gov business.USA.gov

Federal website that 

provides consolidated 

resources and information 

to US businesses 

CalGold calgold.ca.gov

Information on 

environmental and other 

regulatory and permitting 

requirements

LegalZoom legalzoom.com/business

Legal information on 

finding a lawyer, forming 

a business, employment, 

and contract basics

My Own Business

Institute scu.edu/mobi/business-courses

Free online courses 

provided by Santa Clara 

University

TradePort tradeport.org

Information on 

international trade to and 

from California

FranNet frannet.com

Information about small 

business franchise 

opportunities 
U.S. Small Business Administration

455 Market Street, Suite 600

San Francisco, CA 94105-2420

sba.gov/ca/sf