U.S. GOVERNMENT PUBLISHING OFFICE

30–925 PDF WASHINGTON : 2018

S. HRG. 115–322 

THE STATE OF SMALL BUSINESS IN AMERICA: 

AN UPDATE FROM THE U.S. SMALL BUSINESS 

ADMINISTRATION 

HEARING 

BEFORE THE

COMMITTEE ON SMALL BUSINESS 

AND ENTREPRENEURSHIP 

UNITED STATES SENATE 

ONE HUNDRED FIFTEENTH CONGRESS 

SECOND SESSION 

MAY 15, 2018 

Printed for the Committee on Small Business and Entrepreneurship 

( 

Available via the World Wide Web: http://www.govinfo.gov 

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COMMITTEE ON SMALL BUSINESS AND ENTREPRENEURSHIP 

ONE HUNDRED FIFTEENTH CONGRESS 

JAMES E. RISCH, Idaho, Chairman 

BENJAMIN L. CARDIN, Maryland, Ranking Member 

MARCO RUBIO, Florida 

RAND PAUL, Kentucky 

TIM SCOTT, South Carolina 

JONI ERNST, Iowa 

JAMES M. INHOFE, Oklahoma 

TODD YOUNG, Indiana 

MICHAEL B. ENZI, Wyoming 

MIKE ROUNDS, South Dakota 

JOHN KENNEDY, Louisiana 

MARIA CANTWELL, Washington 

JEANNE SHAHEEN, NEW HAMPSHIRE 

HEIDI HEITKAMP, North Dakota 

EDWARD J. MARKEY, Massachusetts 

CORY A. BOOKER, New Jersey 

CHRISTOPHER A. COONS, Delaware 

MAZIE K. HIRONO, Hawaii 

TAMMY DUCKWORTH, Illinois 

SKIFFINGTON E. HOLDERNESS, Republican Staff Director 

SEAN MOORE, Democratic Staff Director 

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C O N T E N T S 

OPENING STATEMENTS

Page 

Risch, Hon. James E., Chairman, and a U.S. Senator from Idaho ..................... 1 

Cardin, Hon. Benjamin L., Ranking Member, and a U.S. Senator from Maryland ........................................................................................................................ 2 

WITNESS

McMahon, Hon. Linda E., Administrator, U.S. Small Business Administration, Washington, DC ........................................................................................... 4 

ALPHABETICAL LISTING

Businesses for Net Neutrality 

Letter submitted ............................................................................................... 34 

Cardin, Hon. Benjamin L. 

Opening statement ........................................................................................... 2 

McMahon, Hon. Linda E. 

Testimony .......................................................................................................... 4 

Prepared statement .......................................................................................... 6 

Responses to questions submitted by Senators Risch, Cardin, Cantwell, 

Shaheen, Scott, Heitkamp, Booker, Enzi, Hirono, and Duckworth .......... 142 

Risch, Hon. James E. 

Opening statement ........................................................................................... 1 

Warnick, Kathleen, National Association of Women Business Owners Board 

Statement dated May 15, 2018 ....................................................................... 140 

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THE STATE OF SMALL BUSINESS 

IN AMERICA: AN UPDATE FROM THE U.S. 

SMALL BUSINESS ADMINISTRATION 

TUESDAY, MAY 15, 2018 

UNITED STATES SENATE, 

COMMITTEE ON SMALL BUSINESS

AND ENTREPRENEURSHIP, 

Washington, DC. 

The Committee met, pursuant to notice, at 3:31 p.m., in Room 

428A, Russell Senate Office Building, Hon. James Risch, Chairman 

of the Committee, presiding. 

Present: Senators Risch, Scott, Ernst, Inhofe, Young, Cardin, 

Cantwell, Shaheen, Markey, Coons, and Hirono. 

OPENING STATEMENT OF HON. JAMES E. RISCH, CHAIRMAN, 

AND A U.S. SENATOR FROM IDAHO 

Chairman RISCH. The meeting will come to order. 

Good morning. Today we are going to hear from the Administrator. 

Linda, it’s so good to see you back here again. You know, it’s 

been over a year now—gosh, where does time fly?—since you’ve 

been sworn in as the SBA Administrator, and we’re happy to have 

you here again today. 

This hearing will focus on the state of small business in America, 

and the Small Business Administration’s efforts to support entrepreneurs. By many measures, small business owners today are optimistic and forward looking. The National Federation of Independent Business’ Small Business Trends Survey for April reached 

a near-record reading of 104.8, and also saw 61 percent of small 

businesses say they are increasing their capital expenditures. The 

payroll provider Paychex has recorded a nearly 3 percent increase 

over the past 12 months in wages paid by small businesses. The 

MetLife and U.S. Chamber of Commerce Small Business Index for 

the first quarter of 2018 found that 61 percent of small business 

owners are expecting increased revenues, and nearly a third are 

expecting increased hiring. This is all great news for America and 

for the American economy. 

The Tax Cuts and Jobs Act, which was passed last year, has already been a big win for small businesses and, more importantly, 

their employees. As I just noted, many small business owners have 

already begun hiring more workers and making new capital investments in their businesses. For the first time since 1982, the NFIB 

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reported the fewest number of small businesses citing taxes as 

their number-one problem. 

While small business owners are doing better than they have in 

over a decade, small businesses in Idaho continue to talk to me 

about difficulties and challenges accessing capital and complying 

with and understanding a seemingly never-ending number of regulations, all of which Administrator McMahon has been working on. 

The SBA is at the forefront of all these issues, assisting small 

business owners across the Nation with its various loan guarantee 

programs, its excellent technical assistance and resource partners, 

and its contracting and set-aside offerings. In her time at the SBA, 

Administrator McMahon has traveled around the country as part 

of her Ignite Tour to better evaluate the small business environment and to hear directly from small business owners and SBA employees. Impressively, she has completed over half of her tour, visiting 44 out of the 68 SBA district offices, and many, many small 

businesses in each of those districts. I’m delighted to say that 

Idaho was on the tour, and we were happy to meet with the office 

there and with a number of small businesses. 

The Administrator visited Boise last September, and she and I 

had the opportunity to visit with several small businesses in the 

Treasure Valley, including Cravin’s Candy Emporium and 

Winspear Construction. We were all pleased to show her just a part 

of what makes Idaho such a great State for small business. 

Administrator McMahon, I welcome you, and I look forward to 

hearing about your perspective on the sensational small business 

environment in this country today, your experiences thus far at the 

SBA, and your ideas on how the SBA continues to improve for the 

good of America’s small businesses. 

With that, Ranking Member Cardin. 

OPENING STATEMENT OF HON. BENJAMIN L. CARDIN, 

RANKING MEMBER, AND A U.S. SENATOR FROM MARYLAND 

Senator CARDIN. Well, thank you, Mr. Chairman. Thank you very 

much for convening this hearing. 

Administrator McMahon, it’s a pleasure to have you back before 

our committee. I applaud your leadership on behalf of small businesses in America. I join the Chairman in acknowledging your commitment to visit each of the 68 district offices across the country. 

That’s an incredible commitment. But I do think there’s no substitute for meeting one-on-one with the people that are in the field 

carrying out the important responsibility of the Small Business Administration. So I thank you for that commitment. 

Two weeks ago I had the opportunity to attend the ribbon cutting 

of the Baltimore Small Business Administration’s office. Now, I 

want to tell you, it was not a difficult task for me to do this since 

it’s located in the same building as my Baltimore office is located 

in. I just had to go down seven flights of stairs, so it wasn’t that 

difficult. But it’s very impressive to see the operations we have in 

our Baltimore office, for most of Maryland is done out of the Baltimore office. We also have a Washington office that handles Prince 

Georges County and Montgomery County, and they do just great, 

great work. I thank you for the attention that you’ve paid. 

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Like you, Administrator McMahon, I celebrated National Small 

Business Week last week and highlighted the outstanding entrepreneurs and small business owners in Maryland who are creating 

jobs, driving innovation, and increasing America’s competitiveness, 

and that is my focus on the committee, helping small business access the tools and resources to better compete in the 21st-century 

global economy. 

SBA has helped countless businesses start and succeed, so I’ll 

just brag about one of those loans that took place in 1996, where 

the Small Business Administration took a chance and lent money 

to a University of Maryland student on an apparel idea, and that 

business grew from $17,000 in sales in 1996 to a multi-billion-dollar global performance brand company, Under Armour, that today 

employs thousands in Baltimore. 

There are success stories like this all across our country, and the 

importance for the SBA, the work that you do. But there are some 

issues I hope we can examine today. Like Chairman Risch, I am 

concerned about the challenges that are facing small businesses 

today. I want to ensure small businesses have equal access to Federal procurement and contracting opportunities, particularly our 

women-owned, minority-owned, and veteran-owned businesses. 

In Maryland, we are fortunate to have a good number of local 

credit unions and community banks serving the small business 

community. However, these institutions can only do so much to 

meet the growing need for capital, especially in an environment 

where banks are consolidating and may prevent them from reaching small business customers. I am interested in your thoughts in 

how to get more community and independent banks participating 

in SBA programs. 

A priority for me is helping small businesses export and sell 

products overseas. We talk about a global economy, and we are in 

a global economy. But if you’re a small business, it can be almost 

impossible to try to get through the bureaucracies of international 

trade. This is an area with tremendous upside for small businesses, 

and I hope we can talk about your efforts to strengthen export finance programs. 

I’m concerned about the Administration’s efforts to cut the SBA 

budget. Now, I applaud the bipartisan effort in Congress to make 

sure that the budgets were restored to an appropriate level, but I 

am concerned about the cuts being proposed by the Trump Administration as to how it could affect your ability to carry out this important responsibility. 

And then finally, too many small businesses remain unaware of 

SBA programs, particularly the free and low-cost counseling opportunities. So I hope you can address your efforts to raise awareness. 

Administrator McMahon and I appeared at the same small business panel last week where we were together and talking about the 

small business programs. I listened to your remarks, and many of 

your observations I completely agree with, particularly with regard 

to the implementation of tight labor markets, workforce training, 

and access to capital challenges facing small businesses. That’s 

why I am particularly pleased that you’re here today, so that we 

can work together in order to increase the opportunities for small 

businesses in this country, and I look forward to your testimony. 

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Chairman RISCH. Thank you very much. 

Administrator McMahon, the floor is yours. 

STATEMENT OF LINDA E. McMAHON, ADMINISTRATOR, U.S. 

SMALL BUSINESS ADMINISTRATION 

Ms. MCMAHON. Thank you, Chairman Risch, Ranking Member 

Cardin, and members of the committee. I appreciate the opportunity to testify today and talk about the state of America’s small 

businesses. 

Last week we all celebrated National Small Business Week. I 

began the week by honoring the National Small Business Person 

of the Year. That distinction was given to one of Senator 

Duckworth’s constituents, the owner of a pest management business in Illinois. 

Following the award celebration, I was off on a bus tour that 

started in Florida and ended in North Carolina. The trip was similar to my travel over the past year. Soon after being sworn in as 

Administrator, I set out on a goal to visit all 68 of SBA’s district 

offices, as you’ve kindly mentioned. Our field staff make up close 

to half of the agency’s employees, so the purpose of my travel has 

been two-fold: one, I wanted to provide leadership and direction to 

SBA’s workforce and visit them in their offices on their turf; two, 

I want to see the front line of where SBA interacts with America’s 

small business owners. 

To date, this Ignite Tour has taken me to 44 district offices 

across 38 states. I’ve met with our district staff and leadership, as 

well as SBA’s resource and community partners. I have also had 

the opportunity to engage over 700 small business owners through 

roundtable discussions and site visits. I’ve toured a lot of facilities, 

sampled a lot of products, and I’ve ridden a lot of equipment. Along 

the way, I’ve been honored to make these visits with several of you. 

Last fall I enjoyed visiting several businesses in Boise with you, 

Mr. Chairman. In November, Senator Shaheen and I hosted a 

small business roundtable in Manchester. And in January, Senator 

Coons and I toured a manufacturing facility in Wilmington. These 

visits have reinforced to me the valuable role small businesses play 

in our economy and the importance of SBA and our resource partners helping them to succeed. 

My tour has also allowed me to hear directly from business owners about what is on their minds. Among the frequent things I hear 

are the burden of Federal and State regulations, and complexities 

of health care and taxes, and recently workforce and labor challenges. 

When I look back on last year, in addition to my travel and small 

business engagements, I also reflect on the agency’s response to 

Hurricanes Harvey, Irma, and Maria. From the arrival of Hurricane Harvey in Texas to our continued work today, I’m incredibly 

proud of our staff. Since last summer, SBA has deployed over 5,000 

personnel. We have staffed over 400 disaster centers. We fielded 

over 1 million calls for assistance, and we approved 130,000 loans 

totaling $6.7 billion in lending. Our disaster efforts might be best 

summed up by a comment from the mayor of Port Aransas, Texas, 

located on the Gulf Coast. At the National Small Business Week 

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dinner, he commented that SBA was the first one in and the last 

one out. 

While such comments are reassuring to our team, we still have 

a lot of work to do, especially in Puerto Rico and the U.S. Virgin 

Islands. We have a significant amount of staff on the ground there, 

and we will remain as long as necessary to continue to help disaster survivors. 

SBA is also active in other areas across the country. Within the 

last week, disaster declarations were made for Illinois and Indiana 

as a result of severe storms and flooding. A declaration was also 

announced for Hawaii in response to April flooding and the ongoing 

lava flows. 

In my written testimony I highlighted some of our agency’s successes. Our 7(a) program, the key tenet for access to capital, had 

a record year in Fiscal Year 2017. In addition, access to mentorship 

was high, as our SBA network reached 1.4 million people. Some 

other areas of positive developments include our efforts to expand 

opportunities through our women business centers. We recently 

made announcements to expand centers in certain states like North 

Dakota, and want to establish centers in states that do not have 

a presence like Idaho and South Carolina. 

Elsewhere in our micro-loan program, I am pleased to see that 

over 40 percent of those loans have been made to minorities. In our 

veterans program, more than 17,000 veterans were trained in Fiscal Year 2017. In our Emerging Leaders Program, we’ve increased 

the number of locations and are expanding a record number of participants. 

And lastly, the agency has worked hard to address management 

challenges. From 2017 to today, we have closed over 170 outstanding Inspector General recommendations, and addressed and 

closed over 20 GAO recommendations. 

In closing, Mr. Chairman, I want to thank you and members of 

the committee for your ongoing support of the agency. I feel we 

have a shared mission to foster growth and develop our Nation’s 

small businesses, and I look forward to our continued work together toward that goal. 

I appreciate very much the opportunity to come and testify, or, 

as I like to think about it, to chat with you all this afternoon. 

[The prepared statement of Ms. McMahon follows:] 

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Linda E. McMahon 

Administrator 

U.S. Small Business Administration 

Senate Committee on Small Business and Entrepreneurship 

The State of Small Business in America: An Update from 

the U.S. Small Business Administration 

May 15,2018 

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Thank you, Chairman Risch, Ranking Member Cardin, and members of the 

Committee. I appreciate the opportunity to testify about the state of America's 

small business entrepreneurs. I welcome the chance to talk about my many 

interactions with small business owners over the past year, and also to share some 

of our Agency's highlights and successes. 

A year ago, I set out on a goal to visit all 68 of SBA' s district offices. Our field 

staff comprise close to half the agency's workforce, so the purpose of my travel 

has been twofold. One, I want to provide leadership and direction to SBA's 

workforce and visit with them in their offices, on their turf. Two, I want to see the 

frontline of where our SBA programs and services interact with America's small 

business owners. 

To date, this Ignite Tour has taken me to 44 district offices across 38 states. I've 

met our directors and regional leadership, our district staff and specialists, and our 

resource and community partners. I have solicited and listened to their input on 

how we can be more effective, and how our district offices and headquarters can be 

better coordinated. I have taken this feedback and initiated a project where we 

hope to better align the field with our program offices, and better deliver our 

services. 

I have also had the opportunity to engage over 700 small business owners through 

roundtable discussions and site visits. These businesses primarily are ones that 

have SBA guaranteed loans and were assisted by our SBA district offices. I have 

been to candy emporiums, breweries, coffee shops, metal fabricators, rock 

climbing centers, and motorcycle shops, to name a few. 

Along the way, I have been honored to make these visits with several of you. Last 

fall, I enjoyed visiting several businesses in Boise with you, Mr. Chairman. In 

November, Senator Shaheen and I hosted a roundtable discussion in Manchester 

with fifteen New Hampshire small business owners. And in January, Senator 

Coons and I toured a Wilmington area business that manufactures gloves for the 

military. 

These visits have reinforced to me the valuable and critical role small businesses 

play in our economy and in our communities across the country. My travel has 

given me great perspective on the needs and challenges of those looking to start or 

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sustain a business, much of which I have also experienced in my life. The crosssection of America that I've seen has been fascinating: retirees fulfilling a life-long 

dream to start a business; young entrepreneurs exploring start-up opportunities; 

and family owned and generational businesses looking to continue in the future. 

My travel has also highlighted the important role that SBA plays in helping these 

men and women succeed. The advice and direction provided by our district staff, 

along with our resource and lending partners, is all part of a very critical 

ecosystem. Every day, this collective effort helps entrepreneurs navigate the 

complexities of business ownership. 

My tour has also allowed me to hear about regulatory and policy challenges and to 

bring that input back to the Agency, the Administration, and to Congress. Among 

the frequent themes I hear are the burdens of federal and state regulations; the hope 

for more affordable health care; the desire for tax certainty; and recently, 

workforce and labor challenges. As I continue to gather feedback, I welcome and 

look forward to working with this committee on these issues. 

Last week, we all celebrated National Small Business Week, my second as 

Administrator. I want to thank the members of the committee for your Senate 

resolution. I know that many of you participated in events and also helped promote 

the week over social media, highlighting small businesses in your state. 

We began the week by launching a redesign of the Agency's website, modernizing 

our site functions, and refreshing our Agency logo. Next, I was honored to 

recognize state small business award winners and the national small business 

person of the year. That distinction was given to one of Senator Duckworth's 

constituents, Rebecca Fyffe, the owner of a pest management business in 

Schaumburg, Illinois. Following the awards celebration, I was off on a bus tour 

that started in Jacksonville, Florida and took us to Savannah, Georgia; Columbia, 

South Carolina; and finished in Raleigh, North Carolina. It was a fun week, and 

much like my Ignite Tour, I enjoyed being with so many small business men and 

women and hearing their inspiring stories. 

When I look back on last year, in addition to my travel and small business 

engagements, I reflect on the Agency's response to Hurricanes Harvey, Irma, and 

Maria. A focal point of my early leadership at the Agency was working with our 

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Office of Disaster Assistance to stress test our program in advance of the 2017 

hurricane season. Little did we know then the magnitude of what would occur a 

few months later. 

From the arrival of Hurricane Harvey in Texas to our continued work today, I am 

incredibly proud of our staff and our disaster assistance response. Since late last 

summer, SBA deployed over 5,000 personnel at the peak of our activity, with over 

3,000 still engaged today. We have staffed 402 disaster centers across multiple 

states and territories. We fielded over 1 million calls for assistance, and we 

approved 130,000 home and business loans, totaling $6.7 billion in lending. 

We also have applied lessons learned from previous disasters and now utilize 

modem technology in various aspects of our disaster program. This has helped the 

Agency cut our application processing rate significantly, compared to previous 

major natural disasters. 

Soon after the hurricanes, I was on the ground in Texas, Florida, and Puerto Rico 

to visit staff and assess our response efforts. I toured the FEMA command center in 

Washington, DC, where SBA staff was co-located with FEMA personnel. We also 

began frequent communication with this committee and congressional offices 

detailing our activity, updates that we continue to send several times a week. 

We still have a significant presence on the ground in Puerto Rico and the US 

Virgin Islands. In Puerto Rico, where the application deadline has been extended to 

mid-June, we continue to staff over 70 recovery centers. Currently, our application 

approvals for Hurricane Maria have now surpassed the individual numbers for both 

Hurricane Harvey and Hurricane Irma. With much more work to be done, we will 

remain in Puerto Rico as long as is necessary to continue to help disaster survivors. 

Elsewhere across the Agency, our Office of Capital Access (OCA) has seen record 

lending in our 7(a) program. OCA created a franchise directory and made it 

available to the public on our website, which has resulted in loan growth among 

franchisees. Within our 504 program, we established a 25 year debenture option. 

We launched a Lender Match program which has been successful in connecting 

potential borrowers with local lenders. We also implemented process reforms that 

have improved our loan application approval time. 

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In addition, our Chieflnformation Officer and her team have modernized SBA's 

information technology capabilities and significantly improved our cybersecurity 

posture. Lastly, our Government Contracting and Business Development Office 

has worked to simplifY and streamline the application process for federal 

contracting through our Certizy.gov system. 

To highlight some of my activity within the Administration, I have been working 

with Secretary Perdue and the Department of Agriculture, exploring ways we can 

partner and work together. Last month, I joined him as part of his travel, where we 

signed a Memorandum of Understanding on how to better serve rural communities 

through our programs. Also, I have been engaged with Secretary Acosta, and the 

Department of Labor, to examine the workforce and labor challenges that small 

businesses face. There are other areas of focus -like our Veterans programs, 

minority and women lending, and outreach- that I look forward to updating you 

on as our agency collaboration develops. 

Let me close, Mr. Chairman, by expressing my thanks to you and members of the 

committee for your ongoing support of the Agency. You worked with us on 

numerous legislative priorities and received our input on committee legislation. 

You ensured the continuity of our programs within numerous continuing 

resolutions. You helped to vet, review, and approve our nominees. And you made 

sure the Agency had adequate funds for disaster assistance through supplemental 

appropriations. I appreciate all your help on these issues and many other areas of 

interaction, and I look forward to our continued work together. 

Thank you for the opportunity to testifY today. 

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Chairman RISCH. Well, thank you so much for coming in. That’s 

a great report for us. You have obviously hit the ground running 

pretty hard over this year and got a lot of things done, and we’re 

happy to hear that. 

We’re going to do a 5-minute round of questions, and I’m going 

to start. 

As you know, Senator Sullivan and I have worked with you on 

the 8(a) program, and we’ve had lots of discussions in that regard, 

so I’m going to give you a question. If you want to take it now, you 

can, but I would certainly accept a response for the record if you’d 

like to do that. We’re going to hold a field hearing in Alaska at the 

urging of Senator Sullivan because of the issues that surround the 

8(a) program. Do you have any comments on that now, or do you 

want to take that question for the record? I’m hoping you can attend the field hearing, if you can, and we’ll take your answer. 

Ms. MCMAHON. In the spring? 

Chairman RISCH. It will be this summer. 

Ms. MCMAHON. This summer? 

Chairman RISCH. Yes. 

Ms. MCMAHON. Better than next winter. 

[Laughter.] 

Chairman RISCH. That’s true. It will be light when we’re there. 

Ms. MCMAHON. I was in Alaska at the invitation of both Senators Sullivan and Murkowski. I learned so much about the State 

when I was there, and it was end of last summer, I think, when 

I was there. 

I think the 8(a) program is incredibly important and beneficial 

to Alaska. It’s a very different State, that’s for sure, in how it’s set 

up, and our 8(a) in charge of our government contracting office just 

returned I think yesterday or today. So they were up again visiting 

to see what programs were in place, how could they better the 8(a) 

program, et cetera. So that’s kind of a general response. As to specifics, I’d like to wait until I hear from the hearing, and if possible 

I would love to be there as well. 

Chairman RISCH. Thank you so much. 

Senator Cardin. 

Senator CARDIN. Well, once again, thank you for your testimony. 

I want to drill down a little bit on a challenge, especially in those 

small businesses that need loans under $250,000 in which women 

and minorities are finding it very challenging to get financing. 

When we take a look at the 7(a) program, your own data from 2017 

reflects that only 4 percent of the 7(a) approvals and 2 percent of 

the 7(a) dollars went to African American businesses. 

Now, the pilot program Community Advantage has a much higher success rate in that regard. The African American number is 13 

percent of approved loans and 14 percent of the dollar values. This 

isn’t the micro-lenders. It’s the loans up to $250,000. It’s the community development finance institutions. 

The pilot program is scheduled to expire in 2020, and the Urban 

League has urged us to increase the limits from $250,000 to 

$350,000. 

So can you just let us know your commitment to reach minority 

communities, women-owned communities, particularly in these 

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smaller loans, and whether this pilot program should be expanded 

and continued? 

Ms. MCMAHON. I like very much the pilot program. I think it did 

give us an opportunity to test the waters. That micro-loan program, 

women have participated I think in good numbers, and our African 

American outreach is strong. You can loan up to $50,000. Most of 

those loans are averaging about $14,000. Sometimes it’s that little 

bit you need, a little bit to get started, and we’ve really found that 

what’s as important as anything, as the access to capital, is also 

the mentoring that goes on to help the people in those communities. 

Through the micro-loan program, we do have the intermediary 

that the money goes to, and then they make the loan, the non-profit. At one time we were going to look at different kinds of programs 

that we thought might enhance those programs. We’ve tried to develop more of the non-profits in those areas so we could have a little bit stronger outreach. 

So I think we’ve had good success there. I’d like to wait a little 

bit closer to the expiration of the pilot program to see if that’s one 

to continue to focus those efforts. But what it looks like to me is 

that those are good programs, and we would like to continue them. 

Senator CARDIN. I think the micro-loan program has been very successful. We had the challenge on the next size loans of $350,000, 

and that’s the area that I think we need to have a little more permanent program to help particularly minority businesses and 

women-owned businesses. 

There was a mission rating that would judge the performance of 

lenders based upon their reaching small businesses in the most 

critical business apps. These include small loans of less than 

$350,000, rural loans, loans to small businesses that are majority 

owned by minorities, women, veterans, new businesses, export 

businesses. 

That was rescinded last August by the SBA, and in rescinding 

you stated that the SBA continues to explore ways to encourage 

7(a) lenders to further SBA’s mission to expand access to capital for 

all small businesses, including those in underserved and emerging 

areas. 

Do you have a game plan now to make sure that we get those 

types of activities in those areas? 

Ms. MCMAHON. One of the reasons that I do like to go out and 

visit with all of our district offices is because not every district is 

the same, and the needs in district offices vary all over the country. 

What we are trying to do, clearly, is to increase the number of our 

lenders. We want to give them support and understand how important our programs are. 

I think one of the things that we have done over the last year 

to do that is a program that we developed called Lender Match, 

which if you go on our website and you look at Lender Match and 

you can put in the kind of company you are, what your needs are, 

and it will list the lenders in your area. So that’s one great step 

to be able to see where lenders are that you as a potential entrepreneur can go to. 

However, I think the continuing development and support of our 

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ters, our SBDC centers, our veterans outreach, all of these are so 

important to give the support to our entrepreneurs as they start to 

develop and grow their businesses. So it’s that interaction, I think, 

with our lender specialists in our district offices who are constantly 

working with our lenders in the community to help them understand the needs of our potential entrepreneurs. 

Senator CARDIN. I’ll just conclude with this observation. I agree 

with all the efforts that you’re making in all these program areas, 

but the bottom line is the 7(a) program is the largest program we 

have, and the numbers there are unacceptable. It didn’t happen 

under your watch. It’s been unacceptable for a period of time. 

We’ve got to get those numbers more reflective of the demographics 

of this country. Thank you. 

Chairman RISCH. Thank you, Senator Cardin. 

Senator Ernst. 

Senator ERNST. Thank you, Mr. Chair. 

Thank you, Administrator McMahon. It’s good to see you and 

have you here today. 

Over the past year we’ve made significant progress towards removing a lot of barriers that our small business owners face, and 

most notably, of course, we passed the Tax Cuts and Jobs Act, 

which allows our job creators of all sizes to grow and reinvest in 

their employees. 

In Iowa, over 99 percent of our employers are small businesses. 

So I visit with a number of them as I travel out on my 99-county 

tour, and really there is a great sense of optimism out there. I’ve 

heard from a lot of those small businesses from all over the State, 

and they’re providing their employees with bonuses, with wages, 

they’re giving increased retirement benefits. I heard from an employer today that they’re adding additional paid time off for all of 

their employees. Surveys show a record number of business owners 

plan to boost their hiring; and, of course, as I just said, increase 

wages, and expand their businesses. 

As you’re out and about, I know you’re visiting a lot of those employers as well. Can you share some input that you might have received in regards to the Tax Cuts and Jobs Act? 

Ms. MCMAHON. Thank you. Yes, you’re absolutely right, that 

feeling of optimism is clearly there. I think it was Chairman Risch 

in his opening statement that talked about not only some of those 

benefits that you talked about, but also I believe it was just this 

week or late last week the NFIB also published information that 

businesses are going to experience or are already showing signs of 

having profitability increases that they haven’t seen before. So 

profits are on the rise, business growth is on the rise, and really 

helping that happen has really been tax cuts, rollback of the regulatory environment. 

When I first started out last year—I’ll just digress for a second— 

and I was talking to some of these 700 business owners, and I was 

talking to them about what is your main issue, and I would have 

these business roundtables or tour their businesses, and it was 

taxes, taxes, tax cuts, almost all the time. That was first and foremost. 

I don’t hear that now, but the optimism level is still there, optimism for growth and how they’re going to expand goods and servLAP51NQ082 with DISTILLER

14 

ices, they’re going to hire more people. In fact, when I was visiting 

one business up in Braintree, Massachusetts, a bread baker there, 

when I was in his plant and he was baking all this wonderful 

bread, and it smelled so great when I was in there, and he said, 

you know, the tax write-off provision is going to allow me to buy 

another one of those ovens, and they’re $1.5 million. I’m going to 

be able to buy one. I’m going to hire more people. I’m going to bake 

more bread. I’m going to increase my facility. And, he said, I’m 

really going to grow my business. 

So those were really hard examples of how it is being beneficial. 

So I’m very pleased to hear the benefits of the tax cuts. 

Senator ERNST. That’s great. No, and that’s perfect. 

You did mention rolling back regulations as well, the regulatory 

environment, and we have worked as Congress on rolling back a 

number of harmful regulations, those that impact small businesses, 

and what we are seeing is tens of billions in savings for taxpayers 

and businesses because of that. 

But over-regulation still does remain a pretty high concern with 

a lot of our Iowa job creators, and on average our small business 

owners across the country, they spend about $12,000 annually conforming to those regulations. So I did introduce the Prove It Act, 

which does strengthen the voice of small businesses in the rulemaking process and improve the quality of agency certifications 

and analysis of a rule’s impact on small businesses. 

What steps are the Small Business Administration taking right 

now to ensure small businesses do have a stronger voice in that 

rulemaking process? 

Ms. MCMAHON. You know, it’s interesting, when I first became 

the Administrator of SBA, and as I started doing some touring 

around the country, what I really realized is that the SBA is the 

best-kept secret in the country because not all businesses understand that not only do we help provide access to capital, but it is 

the mentoring aspect of what we do, the support system, the encouragement, the helping to develop business plans through the resource partners that we have. 

So I made it a goal—it’s still my goal—that SBA doesn’t remain 

the best-kept secret. In order to let businesses know how we can 

be their advocates during the rulemaking process, I want to collect 

information from them. I tell them all, look, I’m out here. There are 

about 30 million small businesses in the country. One of my jobs 

and functions is to be your advocate in Washington. So I want 

them to tell me some of the issues. 

When I talk to them, I don’t often hear it’s this particular regulation, you’ve got to get this one off the books. It is regulation in general. Albeit, some of that is State and municipal combined with 

Federal, but you mentioned the number of almost $12,000. It’s like 

almost $12,000 per employee. That is a huge number for a small 

business owner to have to absorb. So thank you for your work in 

that regard, and we’ll keep bringing back information that we 

have. 

Senator ERNST. Excellent. I appreciate it. 

Thank you, Mr. Chair. 

Thank you, Administrator. 

Chairman RISCH. Thank you. 

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Senator Cantwell. 

Senator CANTWELL. Thank you, Mr. Chair. 

Good to see you. 

Keeping on that theme, the women business centers, I’m assuming you think we should reauthorize those? 

Ms. MCMAHON. Yes, I do, very definitely. In fact, we’re adding 

nine new centers this year. There will be some in states that have 

a center already but need expansions. Others are for states in 

which we have no presence at all. We’re looking to make sure that 

we can have more of those centers. So that will bring us up to 

about 109 centers around the country. 

Senator CANTWELL. Thank you for that. 

Switching gears to a more specific sector in the timber area, 

we’ve operated with the Forest Service with two different types of 

logging contracts, but the SBA’s set-aside only applies to one of 

them. That was maybe okay a few years ago because you didn’t 

have as many of the contracts that we were using for stewardship, 

but now stewardship contracts are bigger. 

So do you think the SBA set-aside should apply to both types of 

logging contracts so that small businesses get access to both? 

Ms. MCMAHON. You know, Senator, may I get back to you on 

that? I honestly am not familiar with the different kinds of contracts in your State on that, but I will be happy to look into it and 

get back to you. 

Senator CANTWELL. Well, I thank you for that. I know that the 

Small Mill Association and others, they very much care about this 

issue, and I think people just want certainty and predictability, so 

we’d certainly want to see the SBA working to implement that setaside requirement across all of the Forest Service. 

Thank you. 

Chairman RISCH. Thank you, Senator. 

Senator Scott. 

Senator SCOTT. Thank you, Mr. Chairman. 

Good afternoon, Administrator McMahon. I hope you’re doing 

well. 

Ms. MCMAHON. Thank you. 

Senator SCOTT. Let me start by thanking you for taking the time 

to come through South Carolina during your National Small Business Week tour. It was certainly a pleasure to have you in Columbia, and I was in Columbia at the same time you were there. 

I recall a story from 2015. We had a 1,000-year flood in Columbia, South Carolina. It was a devastating incident that imperiled 

a lot of small businesses, frankly. One business in particular was 

the Forest Lake Drapery. The Marsha family started that business 

back in 1964. 

Ms. MCMAHON. I toured that. 

Senator SCOTT. Yes, ma’am. 

Ms. MCMAHON. When I was in Columbia. 

Senator SCOTT. Absolutely. The business was decimated. They 

were nearly gone, which meant that dozens of South Carolinians 

would have been out of work because of that business. The good 

news for them is that the Small Business Administration stepped 

in and provided some assistance that was desperately needed. 

LAP51NQ082 with DISTILLER

16 

So on behalf of the challenges that we’ve seen in South Carolina 

and the amazing response that came from the Small Business Administration, we want to say thank you for the type of work that 

you all do over there at the Administration, and we are incredibly 

thankful for that, and I know the Marsha family was excited to 

have you there. 

But their story, a 50-plus-year story, has a happy ending because 

of the good work that you guys have done. I think the same is true, 

frankly, for looking at small business throughout America right 

now. We are looking at a 3.9 percent unemployment rate. We have 

a 2.9 percent increase in wages. Small businesses now say that— 

only 13 percent of small businesses say that taxes are the numberone issue since the tax reform. That is fantastic. 

Ms. MCMAHON. Yes. 

Senator SCOTT. The fact is that we see 21 percent of small business owners expect higher sales volumes—tax reform. Fifty-seven 

percent of small business owners are hiring or trying to hire. When 

you get down to 3.9 percent unemployment, it becomes more and 

more difficult to find the kind of folks that you’re looking for for 

your businesses, but this is a great problem to have. 

A third of small businesses report increased worker compensation. The tightening of the market is good news for employees. 

Forty-three percent are spending more money on equipment. And 

as you suggested earlier, we’re looking at a 45-year high in optimism according to the NFIB’s last survey. 

What’s next, and how can we help encourage and promote even 

greater success in small businesses from your perspective? 

Ms. MCMAHON. Well, if I may, just going back to the Marsha 

family, the business that you cited—— 

Senator SCOTT. Yes. 

Ms. MCMAHON [continuing]. I think, when you look at a small 

business like that, that has literally been so decimated—— 

Senator SCOTT. Yes, ma’am. 

Ms. MCMAHON [continuing]. It speaks to what I talk about all 

the time about small businesses being the glue of the community 

and the innovators that really bring everybody together. What I 

saw there—and I’m sorry to take time for this, but it’s just so important to me. 

Senator SCOTT. It’s worth it. 

Ms. MCMAHON. Not only did this family come together, because 

it’s a family owned small business, but they were going to shut 

down. Two of the younger members of the family said no, no, this 

has been our business for generations. They were able to come 

back, and it’s great that SBA was able to be there with the loan. 

I’m really happy that we were able to do that. But it was the community, the community who came and shoveled mud out. It was 

the community who came and sat and painted walls and helped 

take away debris, and they did it almost without being asked. 

Front loaders just showed up and just started taking stuff away before the family even got there on the first morning. They said, well, 

we had to get it out of here, knew you needed help. So I think that 

really speaks to the spirit of communities and the helpfulness in 

our country and the support for small businesses. 

LAP51NQ082 with DISTILLER

17 

So what I want to continue to do as the head of the SBA is, 

again, to make sure that we have the policies and procedures in 

place so that we can help our businesses get access to capital. 

On our 7(a) program, we are up 5 percent year over year for this 

same timeframe, and I’m pleased to see those numbers grow, and 

women actually had about 30 percent of those loans, minority communities had about 31 percent of those loans. So I was really 

happy to see the growth in both of those areas for the business 

loans. The 7(a) loans are the flagship of what we do. So to be able 

to continue to provide access to capital for those small businesses 

is going to help the growth. 

But as I mentioned, I want SBA not to be a secret. I want people 

to know about all of the free access to mentoring and counseling 

and business development programs that there are. As we keep 

talking about it, more people will have access to that and know 

about it, and we’ll continue to grow. 

Women cite more often than other businesses that they flourish 

more in an environment in which they can have mentoring and 

counseling, and so that’s why our WBCs are so important in those 

areas. But not only that, our district offices—it’s not just that you 

go to a WBC and you get counseling for women. You go to the 

SCORE partners that we have. So we want to make sure that each 

of these entities has the right amount of investment that they need 

to continue to go forth. 

Senator SCOTT. Absolutely. 

I know I’m out of time, Mr. Chairman, but I will close by saying 

that Forest Lake Drapery is now experiencing record month after 

month after month. There’s no question that the community coming together and providing the glue for small businesses is so critically important, and it happens because small businesses are so ingrained within the communities that their identity, their DNA 

comes from the communities that they serve, and this is just such 

a tremendous success story on behalf of Forest Lake, the community where I visited after the 2015 floods, and the Marsha family 

that’s been dedicated and committed to not only staying open but 

staying successful. 

Thank you. 

Ms. MCMAHON. Thank you, sir. 

Chairman RISCH. Senator Shaheen. 

Senator SHAHEEN. Thank you, Mr. Chairman. 

Administrator McMahon, it’s so nice to have you back. 

Ms. MCMAHON. Thank you. 

Senator SHAHEEN. Thank you for the good work that you’re doing 

at the SBA. 

Ms. MCMAHON. And I appreciate all the support from here, too. 

Thank you. 

Senator SHAHEEN. Earlier this month I convened a field hearing 

with the support of the Chairman and Ranking Member and the 

good work from the staff of the committee at the University of New 

Hampshire to hear from small businesses about what the FCC’s decision to end net neutrality means for them when it becomes effective in June. The people who testified expressed real concern that 

the end of net neutrality protections would affect their ability to 

compete on the internet with their larger competitors, and several 

LAP51NQ082 with DISTILLER

18 

of the witnesses talked about the uncertainty that’s created by the 

end of the net neutrality rules. 

One witness, Robert Zakon, who is a SCORE counselor, talked 

about the businesses that he’s working with and said that one of 

his clients said that the uncertainty caused by net neutrality repeal 

could be disruptive in the business planning and funding stages. 

So I think it’s fair to say there was real concern among the small 

businesses in New Hampshire about what this means for them. 

Have you been working with the FCC, and are you concerned about 

what their decision to repeal net neutrality means? And what is 

SBA thinking about in terms of helping small businesses that 

might be affected by this ruling? 

Ms. MCMAHON. Thank you for bringing that up. I’ve not had any 

conversations with any of the small businesses that I’ve met with, 

or any of the roundtables that discussed net neutrality. I would 

really like, after the hearing, to get with you and get some further 

information on that. I do think anytime that there is indecisiveness, that’s not helpful to small businesses because they like to 

know where they’re going, they like to know where the rules—big 

business, too. So I know that that’s probably an issue for them. I’ve 

not had any direct input from them, but I’d like to learn more and 

hear more about what their experience has been. 

Senator SHAHEEN. We will certainly share with you the testimony from that hearing. 

Ms. MCMAHON. Thank you, and I’ll put it on my docket when 

moving around to have more conversations about that. 

Senator SHAHEEN. That would be great. Thank you. 

I’m also hearing from New Hampshire small businesses about 

the uncertainty around the Administration’s decision around trade, 

the decision to impose new tariffs and the uncertainty with respect 

to some of our trade agreements. Last week we heard from a company in New Hampshire called Moonlight Meadery that makes 

mead, which is, as we know, a form of alcohol. They had been putting the finishing touches on a deal with China, and it would have 

doubled their output. But the tariffs that have been announced 

have effectively killed this deal. They’ve been forced to lay off six 

people, and it’s a small business, so that has a real impact. 

So I wondered if you have engaged with either Secretary Ross or 

Trade Representative Lighthizer about what the impact of tariffs 

on small businesses might be, and are we collecting any data about 

what we’re hearing? 

Ms. MCMAHON. I do have opportunity to chat with them in Cabinet meetings, primarily in Cabinet meetings, to talk to them about 

it and to listen to what’s being said relative to tariffs. Again, uncertainty is not good for small businesses. When I was out with Secretary Perdue and we were touring some small farms up in Ohio, 

that issue came up, and Secretary Perdue’s response, having spoken directly with the President about it, was that the President 

has indicated to our farmers that he’s not going to let them pay the 

price for tariffs and that they can feel comfortable in that. 

So my experience so far has not been that any of the businesses 

that I’m talking to are specifically asking me about a specific trade, 

except that they would like the certainty. I think, though, what I 

have heard primarily from our small businesses is that they want 

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the opportunity to compete in a marketplace, and they want to feel 

like they’re being dealt with fairly as well. They want to make sure 

that the trading market for those that are involved in exports, that 

there is a level playing field for those who produce products like 

the company you cited that utilize products that tariffs may be 

placed on. 

So I think the sooner that we can finalize our trade policies and 

our tariffs will be much better for our businesses, because they will 

know how to go forward. But I think we are well served by an Administration that wants to have fair and free trade and reciprocal 

trade that benefits all of our economy. 

Senator SHAHEEN. Well, I’m out of time, but I appreciate that. 

I hope you will be a strong voice to advocate for that. Over the last 

five years in New Hampshire, our exports are up 46 percent, and 

they attribute support from the STEP program as being the reason 

that they’re up so high. So I hope that you will continue to advocate for increased funding for the STEP program as well. 

Thank you, Mr. Chairman. 

Chairman RISCH. Thank you, Senator. 

Senator Inhofe. 

Senator INHOFE. Thank you, Mr. Chairman. 

Nice to see you again and to be with you. 

Ms. MCMAHON. Thank you, sir. 

Senator INHOFE. Just an observation. This morning I was on the 

Axiom program talking about the effect of this thing. This is actually right now the infrastructure. They’re kind of celebrating that. 

I see a relationship here because I was commenting there that 

when you look and see the regulations, we’ve been talking about 

that for quite a while now, and the imposition that is on not just 

small businesses but large businesses, too. I think that right now— 

in fact, I keep score on these, and one reason I do it is because the 

first CRA that was successfully done was my bill. So we had a signing ceremony with the President. 

But when you go through these things, we realize that the prosperity that we’re in the middle of right now is really due, in my 

opinion, to some things that you’re involved in. Number one, the 

regulations that we’re trying to relax; and the other is the tax 

ramifications. 

Now, there is a direct relationship, and I think most people have 

not realized this when we talk about it, and I know that Senator 

Markey and I talk quite often about what we’re going to do with 

our highway bill and our infrastructure efforts that we’ve worked 

so closely on in the past, that we’re going to be in a position to get 

some of these things done and done successfully. But at the same 

time that we’re doing this, we’re also freeing up a bunch of money 

that can be used for infrastructure. 

The whole idea of reducing the tax rates was not a Republican 

idea, it was a Democratic idea. It was 1964, and it was John Kennedy when he was President. He said—and this is a quote—he 

said, ‘‘In order to keep up the Great Society programs that we’ve 

started, we need more tax revenue, and the best way to increase 

tax revenue is to reduce the marginal rates.’’ 

Well, that worked. As a matter of fact, it went up from the total 

amount of revenue coming in of $900 billion at that time, up to 

LAP51NQ082 with DISTILLER

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$1.8 trillion. It doubled the amount. The same thing happened 

when President Reagan came along. The total amount of money 

that came in at that time to run this government was $469 billion, 

and that translated at the end of that period of time to almost doubling that amount. 

So all of that is happening right now, and I see a lot of prosperity 

that’s come in, which I really am excited about. So as you go 

around—and I’ve been following your tracks. You’ve been spending 

a lot of time, not in Oklahoma, but all the other—— 

Ms. MCMAHON. I’ve been to Oklahoma. 

Senator INHOFE. Oh. Well, you didn’t call me. 

[Laughter.] 

Ms. MCMAHON. I believe I did. 

[Laughter.] 

Senator INHOFE. But I know that you’ve been around, and what 

kind of experiences have you heard anecdotally, experiences that 

they’ve had as a result of the regulations being relaxed in terms 

of their prosperity as you visit the small businesses? 

Ms. MCMAHON. As I mentioned a couple of minutes ago, I have 

not heard from small businesses about a single particular regulation that’s been rolled back, but it’s been in terms of in general the 

regulatory environment being lifted so that they don’t have to focus 

so much, they being business owners, on compliance issues relative 

to regulations, and they have more money in their pockets to invest 

in their businesses, and they have more time to focus on their businesses. So it’s the compliance cost not only in dollars but compliance cost in terms of time, and they’re very happy that the regulations are being rolled back. 

Senator INHOFE. Okay. There is one area that I have not heard 

you talk about. As you know, in Oklahoma we’ve had a lot of 

wildfires. We’ve had two sessions right now. I get my airplane and 

go over, and you see the cows being burned alive. It’s really a tragic 

thing, and we try to do everything we can to help the people. Right 

now FEMA, for example, they don’t go beyond the help with a residence. So you have all the damage that’s being done that’s not 

being addressed. We have legislation that’s going to allow our community banks to be free from some of their regulations to allow 

them to do things that are not being done now. 

But the SBA is involved in a program that I don’t think we fully 

utilize. What types of loan programs do you have in cases of disaster such as the tornadoes and the wildfires that we have so many 

of in Oklahoma? 

Ms. MCMAHON. Once the disaster declaration has been made by 

SBA at the governor’s request, and then we make the declaration, 

SBA goes in to evaluate a situation, and it is the time that SBA 

actually loans the money, not only for businesses but also for 

homes. So there are mortgage loans to be made, there are business 

loans to be made. These are low interest rates and long term, and 

we pride ourselves on being able to process these loans very quickly 

so we can start to get money in the hands of those homeowners and 

those business owners. So if the declaration has been made for that 

area, those loans are available. 

Senator INHOFE. And that’s filling a void that’s there right now, 

so we appreciate that very much. Thank you. 

LAP51NQ082 with DISTILLER

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Ms. MCMAHON. Thank you. 

Chairman RISCH. Thank you, Senator. 

Senator Markey. 

Senator MARKEY. Thank you, Mr. Chairman, very much. 

Senator Inhofe and I, we are committed to agreeing on an infrastructure bill. 

Ms. MCMAHON. I’m sorry. On what? 

Senator MARKEY. Senator Inhofe and I are committed to, somehow or other, reaching an agreement on an infrastructure bill, not 

a chimerical of a superhighway but a real highway that we can—— 

Senator INHOFE. It’s very effective. They say when you and I can 

both agree on something, there’s got to be something there. 

Senator MARKEY. And our disagreement on climate changes 

proves how rare, and as a result correct, our agreement is. 

Chairman RISCH. Your time is almost up, Senator. 

[Laughter.] 

Senator MARKEY. So I’m going to ask you about net neutrality. 

I asked you about that at your confirmation hearing a year ago, 

and you said you needed more time to learn about the issue of net 

neutrality because I talked to you about how many small businesses are able to be created because of this incredible online culture that we have, and you said you needed more time. But in response to Senator Shaheen just 10 minutes ago, you said you needed more time to learn about net neutrality a year later. 

So from my perspective, I think that was a mistake on your part, 

that you did not learn more about it, because last year, I will tell 

you, half of all venture capital in America went to software and 

internet startups—all, by definition, small businesses—all across 

our country. That’s half of all venture capital. And as we know just 

from our service on this committee, most new jobs in America are 

created by small businesses. So that flow of revenue into those 

companies clearly was something that was helping to generate the 

new job creation in our country. 

I have here with me letters from 6,000 small businesses in America that, Mr. Chairman, I would ask unanimous consent that I can 

put in the record. 

Chairman RISCH. Without objection. 

[The information referred to appears in the Appendix Material on 

page 34.] 

Senator MARKEY. And it is from these small businesses that we 

received kind of a recommendation that the Federal Communications Commission made a mistake in taking net neutrality off of 

the books, and they support putting the FCC rules on net neutrality back on the books, and we’re going to have that vote tomorrow on the floor of the United States Senate. And as we think 

about the 21st century, it’s hard to think of a business that’s not 

dependent upon net neutrality on the internet. 

So again, please try to respond to this issue of net neutrality, the 

role that it’s played in the creation of thousands of companies, tens 

of thousands of companies, and your view on the issue. 

Ms. MCMAHON. Well, to be clear—thank you for asking that. To 

be clear, in my conversation I believe with Senator Shaheen, what 

I was saying to her was that I had not spoken to many businesses 

who had raised the issue with me, and I’d be very interested in getLAP51NQ082 with DISTILLER

22 

ting the information from her from her roundtable, and I would be 

very interested in looking at the letters that you have received. 

Senator MARKEY. I guess my question to you is did you raise the 

question given how prominent it is in terms of venture capital 

going into that sector of the American economy for small businesses? Have you raised the question yourself? 

Ms. MCMAHON. Well, I have been focused on dealing with small 

businesses with the issues they brought to me so that I could advocate on their behalf. Relative to the internet, I don’t disagree with 

you at all about how important the internet is for reaching the 

rural areas, for providing a platform for information, for having 

commerce to sell goods and services. So we are in agreement that 

the internet is incredibly important for the growth of sustaining 

businesses. 

Senator MARKEY. Well, if you had asked the question, which I 

think you should have, by the way, I think that should have been 

something that you did given the incredible role it plays in job creation in our country in the 21st century, that without net neutrality it’s harder to raise money because there’s uncertainty with 

regard to your ability to not have your service throttled or blocked, 

that you’d have to pay extra. 

So we know from not just these 6,000 companies but tens of 

thousands of companies across the country that net neutrality is 

critical, because small businesses don’t want to be in a slow lane 

compared to a big company. Do you agree that that’s absolutely essential, that from an online culture perspective that they not have 

to pay more, and that they also don’t have to be in a slow lane, 

that they need protections so that they can compete against big 

companies? 

Ms. MCMAHON. Well, I do think that businesses need to have access to the internet, and I think one of the issues we ought to look 

at more—— 

Senator MARKEY. But the issue isn’t access to the internet. 

It’s—— 

Ms. MCMAHON. Excuse me, sir. Would you let me finish? I would 

like to respond. 

Senator MARKEY. Okay, sure. 

Ms. MCMAHON. Thank you very much. I think it’s very important 

that businesses have access, so I think we need more infrastructure. I do think we need to be building out into those areas where 

we don’t have it, and I think those businesses, those companies 

that are going to do the build-out on that infrastructure are going 

to be looking to invest their capital there to provide that access. 

Senator MARKEY. But slow lanes don’t help a small company 

against a big company. 

Ms. MCMAHON. I think access is more important, and I do believe that businesses need that access to be on the internet for information and for their commercial purposes. That’s what I’ve 

heard from the small businesses I’ve spoken to. But I am clearly 

interested in speaking to more of them about the issue if it becomes something they would like to discuss with me as well. I want 

to make sure I advocate on their behalf as well. 

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Senator MARKEY. Well, I don’t think you’re doing that today because there’s been an incredible outcry from small businesses in 

America to keep net neutrality rules on the books. 

Thank you, Mr. Chairman. 

Chairman RISCH. Thank you, Senator Markey. 

We will go to Senator Young. 

Senator YOUNG. Administrator, great to see you. 

Ms. MCMAHON. Thank you. 

Senator YOUNG. Thank you so much for the hard work that you 

and your team are engaged in to support our doers, our dreamers, 

our entrepreneurs. I see so many of our small businesses around 

the State of Indiana, and they often ask about the Small Business 

Administration and how it can be helpful, and I enjoy spreading 

that word. 

During your nomination hearing we discussed a few different 

things, and I’d like to follow up in each of these areas. 

First we discussed the Office of Advocacy. You had an intention 

to evaluate, as you communicated to me, how the Office’s operations might be improved, and if there are additional authorities 

or resources required to advocate on behalf of our Nation’s small 

businesses. Do you have any findings that you can report to the 

committee today with respect to this topic? 

Ms. MCMAHON. Well, we are still waiting for the approval of our 

permanent head of advocacy there, our acting head there, who I 

think is doing a good job. 

Senator YOUNG. For the record, that’s on us. We need to get that 

done, working with this Administration. 

Ms. MCMAHON. That was just a little push. Thank you. 

Senator YOUNG. We need to do that. 

Ms. MCMAHON. But the role of advocacy really is a quasi-independent part of SBA. It’s not something—I don’t manage the head 

of advocacy. It is an independent acting agency, and it is their role 

to make sure that, as all the agencies are passing or promulgating 

rules and regulations, that small businesses have a seat at the 

table to understand the impact of that. 

I think advocacy is doing well. They actually did invite me to attend one of their roundtables—two of their roundtable discussions 

out of Wisconsin, which I did. So I was able to listen to some of 

the complaints that came out of the small businesses there—issues. 

‘‘Complaints’’ maybe is the wrong word, but where they needed 

help, and they were primarily the same issues that I heard from 

the roundtable discussions that I was having, which at the time 

were taxes, which were regulations, and health care came up. I can 

tell you that more and more often now today, the issue of workforce 

and workforce development is very prominent. 

Senator YOUNG. Well, to the extent in your dialogue with the 

quasi-independent Office of Advocacy you and they identify new authorities or resources that are required to advocate on behalf of our 

small businesses, please let our office know, let this committee 

know. We’d be grateful for that, and we’ll continue to stay in touch 

in that regard. 

What opportunities—another issue we covered in your confirmation hearing—have you found to streamline within the Small Business Administration, already by reputation a fairly lean agency in 

LAP51NQ082 with DISTILLER

24 

comparison to others? And have you implemented any of those 

findings? 

Ms. MCMAHON. We did. It was one of the reasons I wanted to 

get out into the field. I really don’t think that you can adequately 

manage what I would call satellite offices out of headquarters if 

you don’t understand and feel what it is they feel and experience 

on a day-to-day basis and how they’re managing. 

One of the issues I heard across the board was that the district 

offices felt that they were disconnected from headquarters. So we 

made a huge effort, we spent six or seven months making sure that 

my vision from headquarters was the vision that was shared with 

every district office, that everyone operated under the same rules 

and regulations, everybody had the same directives, everyone had 

the same accountability, and everyone got on board with that. The 

district director, the deputy district director, now we have our regional administrators, everybody has the same song sheet. 

Senator YOUNG. I just call that good leadership, so thank you 

very much for taking that approach. That’s quite encouraging. 

Ms. MCMAHON. Thank you. Not only has productivity increased, 

morale has been boosted. 

Senator YOUNG. I believe it. 

Ms. MCMAHON. So I think we’re on a good start. I’ve been there 

15 months. I think we’ve set some good pins. Now we have to follow up. 

Senator YOUNG. So, Administrator, the last topic we addressed in 

your nomination hearing that’s really important to me is taking 

best practices, which might be occurring at the local level or the 

State level, and seeing whether we at the Federal level can play 

a constructive role in elevating those best practices. Are there steps 

that the SBA has taken to identify best practices with respect to 

starting a small business or growing a small business that could 

be replicated by other states or localities in America? 

Ms. MCMAHON. Well, I think most of those conversations are 

held in our resource partner offices, our SCORE offices that are 

manned by retirees, sometimes by active members in business, and 

also our women’s business centers and our SBDCs that are affiliated typically with universities. They are the ones formulating a lot 

of the actual programs to coach and mentor the entrepreneurs who 

are there to start. 

I think what I’m seeing as those programs grow, and they are 

adopting more and more of best practices, is they look at what’s 

happening through digital technology, how that’s being implemented, are we making sure that we are coaching our entrepreneurs on stock ownership in their companies, are we making 

sure that they’re looking at other programs that are going to benefit them moving forward, are they aware of cyber security and the 

steps they need to take, because a lot of entrepreneurs starting a 

business, they don’t think about somebody coming in and stealing 

their information. 

So those are some of the kinds of things that I think weren’t on 

the burner before that we are trying to push through now. 

Senator YOUNG. Thank you. 

Chairman RISCH. Thank you. 

Senator Hirono. 

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Senator HIRONO. Thank you, Mr. Chairman. 

Administrator McMahon, it’s good to see you. 

Ms. MCMAHON. Thank you. 

Senator HIRONO. I appreciate the fact that you spoke today about 

SBA’s work helping businesses impacted by natural disasters because we’ve had a number of them, especially in the context of last 

year’s hurricanes and floods, and you mentioned Hawaii. As you 

know, several communities in Hawaii are currently responding to 

or recovering from a number of natural disasters. Last month, East 

Honolulu and Kawai’s north shore experienced severe flooding that 

damaged homes, businesses, and public infrastructure. In fact, torrential rainfall on Kawai set a new national record of nearly 50 

inches in a 24-hour period. So you saw cars floating in the ocean. 

You saw cars full of mud. So, that was rather historic. 

And now Hawaii Island is experiencing volcanic activity that is 

destroying homes, businesses, and schools; and new volcanic fissures are opening on a near-daily basis, and families are facing the 

added danger of noxious gases and air particulates that threaten 

public health. So small businesses in all of these communities must 

completely rebuild, and they’re severely impacted by losses in visitor revenue. 

Federal disaster declarations, as you know, have been approved 

to provide public assistance and hazard mitigation resources for 

Oahu, Kawai, and Hawaii Islands. The President has issued two 

national disaster declarations. Our immediate response has been 

focused on relief efforts, but these communities will require additional resources to recover from these disasters. 

Could you clarify for me—I think you said that after the President issues a national disaster declaration, that the SBA also has 

to issue a disaster declaration in order for you to go into the communities and help the people in those communities? 

Ms. MCMAHON. No, that’s if the President does not and a governor of a State requests from SBA disaster assistance. Then we 

review the documentation. I actually sign off on that disaster declaration. So the President relative to Hawaii has signed off on the 

public aspect of the disaster relief. 

Senator HIRONO. Yes, not the individual. That’s being appealed. 

Ms. MCMAHON. So SBA would typically already be on the 

ground, going in and assessing. But because of the gaseous fumes, 

that whole area has been cordoned off and we’re not able to get in 

yet to start evaluating the damages that are there. But we have 

a district office there, and we’re already prepared to go in as soon 

as we have access. 

Senator HIRONO. Thank you. I want to continue to work with 

SBA to make sure that whatever resources can be provided to all 

those affected individuals and businesses can receive those resources. 

I know that you have been doing your Ignite tour. I think that’s 

a really good way to frame it because you want to light a fire under 

all these businesses, and your advocacy for the businesses is much 

appreciated. 

So you have visited 44 offices. I know you haven’t come to Hawaii yet, and we look forward to your coming to Hawaii because 

I work very closely with the SBA office in Hawaii. 

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Can you tell me when you will be coming to Hawaii’s district office? 

Ms. MCMAHON. I can’t as I sit here because I don’t have my calendar. 

Senator HIRONO. But you are going to do it, aren’t you? 

Ms. MCMAHON. I’m definitely coming to Hawaii. 

Senator HIRONO. Everybody heard that? Okay. 

[Laughter.] 

Ms. MCMAHON. And I have to tell you, there is a long list of people in my office who are volunteering to take this trip with me to 

Hawaii. 

[Laughter.] 

Senator HIRONO. Oh, yes, of course. 

So, do you have a template or a framework for all of these visits 

that you could share with me very briefly? If you have something 

that you give to all of these district offices, people that you meet 

with. Do you meet with businesses? Do you meet with other stakeholders? Do you hand out certain things? If you have a template 

or a framework for all of your visits, I’d really appreciate receiving 

that from you so that when you do come, and I hope that you coordinate with my office too, that we can be ready. 

Ms. MCMAHON. We’ll do that, and it is really left up to the district office as to what’s important in their district. 

Senator HIRONO. Okay. 

Ms. MCMAHON. So they do that. And what we try to do, just on 

a very general basis, I try to do local media when I’m there because 

I want people to know about SBA and why we’re here and what 

we’re doing. We visit businesses, I conduct business roundtables, 

and the topics of those roundtables will be dictated by the district 

office and what’s important in that area. If there’s been a declared 

disaster in that area, I like to go and visit that as well. So we’ll 

definitely coordinate with you. 

Senator HIRONO. I’ll certainly continue to coordinate with Jane 

Sawyer of SBA. 

Now, there have been some questions asked about the impact of 

net neutrality on small businesses, and you have acknowledged the 

importance of the internet to small businesses and their success. So 

if you conclude, after you get more information and et cetera, that 

small businesses are negatively impacted in a significant way by 

the elimination of net neutrality, would you take a position against 

the FCC rule to eliminate net neutrality? Because you are an advocate for small businesses. 

Ms. MCMAHON. I’m an advocate for small businesses, and as we 

look at the information that is coming in now, especially since this 

issue is sort of top of mind again, we’ll clearly be looking at what 

the impact is. 

Senator HIRONO. Yes, and if you conclude that it is negatively 

impacting small businesses, would you take a position against the 

FCC’s rule? 

Ms. MCMAHON. If I were to conclude it’s against the totality or 

the great majority of small businesses, I would certainly want to 

continue to have that conversation so that we could look at how is 

the best way to service our small businesses. 

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27 

Senator HIRONO. Well, I hope that extends to advocating on their 

behalf and to say that this is not a time to be eliminating net neutrality. 

Mr. Chairman, I do have some other concerns relating to Federal 

contracting opportunities and Native American outreach programs, 

8(a) programs, minority-owned businesses, including women-owned 

businesses, so I can submit those questions for the record. 

Chairman RISCH. If you would, Senator. 

Senator HIRONO. And veteran-owned businesses. 

Chairman RISCH. I don’t know if you were here, but I think we’re 

going to have a field hearing this summer on 8(a) programs. 

Senator HIRONO. Yes. 

Chairman RISCH. We’re going to have a hearing this summer on 

8(a) programs, this summer in Alaska, and we’ll talk with you a 

little bit about that. But I think that perhaps Administrator McMahon is going to be submitting something for the record. So if you 

want to submit a question, we’d be delighted to take that. 

Senator HIRONO. Certainly, and we have a lot of 8(a) entities in 

Hawaii also, so we should contemplate a field hearing in Hawaii 

also. 

Chairman RISCH. But not in the summer. How about December? 

Senator HIRONO. That would be fine. December encourages a lot 

of people to show up, I would say so. 

[Laughter.] 

Chairman RISCH. Thank you. 

Ms. MCMAHON. Thank you. 

Chairman RISCH. Senator Coons. 

Senator COONS. Thank you, Chairman Risch, Ranking Member 

Cardin. 

Welcome, Administrator McMahon. Great to be with you again. 

I want to thank you again for making a trip to Delaware in January of this year. Together we visited Masley Glove, a fantastic 

woman-owned business in Wilmington. Donna Masley, the owner, 

really appreciated the chance to visit and to show you how SBA 

products and assistance from Delaware’s SBDC has made the difference as she sustained growth in her small business. 

I also appreciate your Ignite tour and your focus on the great 

work being done at SBA district offices around the country. I know 

you had a chance to meet with the wonderful staff in my State’s 

district office, which happens to be in the exact same building that 

I am, which makes it easy for me to see just how busy they are 

as I go in and out during the day. 

As you know, I’m the Ranking Member on the Appropriations 

Subcommittee that funds SBA, and while much of the financial 

services bill can be controversial, SBA is not. So let’s talk for a 

minute about your flagship loan program, 7(a), which operates at 

no cost to taxpayers because the fees cover costs. 

Last year, SBA’s 7(a) lending supported more than 150 small 

businesses in Delaware, and I know it has an impact on many 

other member states that is much larger because their states are 

much larger. 

How will you work to ensure that the SBA continues to adequately serve small businesses and entrepreneurs with the 7(a) 

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28 

loan program while maintaining sufficient oversight so that the 

program doesn’t return to requiring a subsidy? 

Ms. MCMAHON. And I very much appreciate the oversight program, or the bill that was recently passed out of committee. I’m not 

sure—I don’t think it’s passed on the floor yet. 

Chairman Risch, is your bill on oversight, has that passed on the 

floor yet? I know it’s passed out of committee. 

Chairman RISCH. I don’t think it’s passed on the floor yet. 

Ms. MCMAHON. But in there are some really good things for 

SBA, especially one of the programs in that, one of the stipulations 

in that, I would have the ability to raise the amount by 15 percent, 

obviously with notification to Congress. But I think that’s an important aspect of it. 

We are very pleased with where we see the 7(a) program today. 

It is year over year 5 percent ahead of where it was last year in 

terms of our lending. While that doesn’t sound like a huge amount, 

it really is when we’re thinking about how many businesses are 

served through the 7(a) program. 

So we want to continue to build our relationships with our lenders. That’s incredibly important. Our website now has a section on 

Lender Match which startups or those who are already in business 

who are looking for the lender in their area can go online, put in 

information, find out exactly where those lenders are. 

The reason that’s important is because the lenders themselves 

don’t often get the outreach that they might in spite of the lender 

specialists in our district offices constantly interacting with them 

to try to build that. I think it’s really, really important that we continue to create that relationship for our prospective businesses who 

are looking to have those loans. 

Senator COONS. I agree. I recently went to the SBA awards dinner in Delaware. We had a record lending year in Delaware, and 

I hope we’ll continue to grow that together. 

There are a lot of programs we talked about: Small Business Development Centers; Women’s Business Centers; the SCORE program, which I’m a real champion of because it was founded in 

Delaware; STEP, which helps with exports; all of which are geared 

towards helping small businesses and entrepreneurs meet specific 

goals. 

How important do you think these grant programs are towards 

SBA meeting its objective? 

Ms. MCMAHON. I think it’s incredibly important. I think it’s as 

important as access to capital for businesses who want to grow because so often businesses fail—I see it all the time, and I counsel 

entrepreneurs who are starting businesses—most of them fail because they’re under-capitalized and they don’t know how to manage 

cash flow. 

Senator COONS. Yes. 

Ms. MCMAHON. That means they’ve already gotten their money. 

They didn’t get enough. But now, how do you manage it? How do 

you develop your business plan? How do you develop your marketing plans? How do you know how to do that outreach to continue to grow, to hire the right kind of people and put those processes in place? 

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29 

So if the mentoring aspect from those resource partners was not 

there, I don’t think we would see the success of the growth of the 

small businesses. 

Senator COONS. I could not agree more. Some of the winners at 

the annual dinner in Delaware gave very compelling stories about 

how SCORE and SBAC and Women’s Business Centers were essential to their success. 

I’ll just say that as I looked at the budget proposal for this year, 

if these are so important, I was puzzled by why the Administration 

continues to—and they enjoy bipartisan support. I was puzzled by 

why the Administration is continuing to propose cutting funding 

for these specific programs. 

Ms. MCMAHON. Well, what I’ve done, we’ve taken a look at them. 

You know, it’s a little bit different when you’re a CEO for the private sector who comes in and starts taking a look at what the programs are. And while we didn’t go through zero-based budgeting, 

which is sort of in my blood, we did take a look at what do we actually need to continue to grow these businesses, to have them operate effectively and efficiently, and I believe that we matched the 

funding that we requested for those to continue to provide them 

without reduction in services and without reduction in personnel. 

So I thought we came to a good place. 

Senator COONS. One last question, Mr. Chairman. 

Chairman RISCH. You have one last question, 43 seconds. 

Senator COONS. Senator Risch and I will soon be introducing a 

bill to give small business access to the facilities and expertise at 

the Department of Energy National Labs. As I’m sure you know, 

we have 17 national laboratories that are incredibly sophisticated 

and have some of the most advanced technical machinery and 

equipment in the entire United States, and small businesses often 

have great innovative ideas but don’t have the financial resources 

to properly test or develop their ideas, and the national labs have 

some of that equipment. 

Do you agree it would be important to promote ways for small 

businesses to be more technologically innovative by strengthening 

partnerships between small businesses and our robust national laboratory network? 

Ms. MCMAHON. Oh, it’s exciting to me to hear that, absolutely. 

You know, I’ve been around to many different incubators around 

the country, and a lot of the businesses in these incubators really 

are high-tech, biotech fields. If they knew that they might be having the opportunity to be linked up with some of those labs, it 

would be incredibly exciting. 

Senator COONS. I’m excited about the bill, too. 

Chairman RISCH. Senator Coons, take all the time you want on 

that subject. 

[Laughter.] 

Senator COONS. There is an additional bill that Senator Risch 

and I are hoping we’ll move to a markup soon and—— 

[Laughter.] 

To reauthorize SCORE, a wonderful program, which you know 

was founded in Wilmington, Delaware. Both of those are good opportunities for us to help support America’s small businesses. 

Ms. MCMAHON. Thank you. 

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30 

Senator COONS. Thank you for what you do, and for everybody 

at the SBA. 

Thank you for your indulgence, Mr. Chairman. 

Chairman RISCH. Thank you. 

Ms. MCMAHON. And I just want to say thank you to the committee, because I do think that SBA is probably one of the—not the 

only, but certainly one of the foremost agencies that does receive 

bipartisan support, and I really appreciate that so much. 

Chairman RISCH. Thank you. I think we all feel the same way. 

Administrator, just FYI, regarding the bill that you asked about, 

it passed the House, but Senator Shaheen and I are the co-sponsors 

here, and we’re attempting to do the thing on a hotline. Now, that 

may not mean anything to you, but it’s part of the arcane process 

over here because of the shortness of time. But we are cautiously 

optimistic. 

With that, thank you so much. You’ve done a great job over there 

this first year, and we really appreciate you coming and giving us 

an update and candidly answering the questions that people put 

forward. 

And with that, I yield to Senator Cardin. 

Senator CARDIN. Mr. Chairman, let me just agree with your observation about the work of this committee, bipartisan, on behalf 

of small business. 

I want to comment on a couple of points that came up in today’s 

hearing, first on net neutrality, and let me try to put this in context because it’s more than access to the internet, it’s the quality 

of the access. I say that because if you’re selling bikes in Baltimore 

as a small business owner and your product is on the internet, but 

it takes more than 3 seconds for the consumer to see it, the consumer is off of your webpage. That’s what studies say. The impatience of a consumer is dramatic. They expect to see the product 

immediately. 

Now, the big companies that sell bicycles will have no trouble 

getting their product before the consumer on the internet within 

that 3 seconds. So if the internet provider has a discriminatory 

pricing network against small businesses, it can put small businesses out of business. 

That’s the reason why we all want to focus on the impact it has 

on small businesses, and we would urge you to take a look at it, 

because no one wants to put small businesses behind in technology, 

and access to that quality service is essential for small businesses 

to expand their business by the internet. 

The second point I want to bring up, me and my colleagues 

talked about the tax changes, and I’d just urge you to keep taxes 

on your agenda, because I hear from small business owners that 

they’re not satisfied with the complexities of our tax code. They 

don’t think they’re simple, and they are concerned that many of the 

provisions of the new tax law were temporary, so they don’t know 

whether it’s going to be permanent or not. And then they look at 

the major provision, which is the 20 percent reduction for passthrough income, and at least the initial review, it’s about $415 billion of tax relief, is that a very small percentage of that $415 billion is going to small businesses or minority businesses or womenowned businesses. 

LAP51NQ082 with DISTILLER

31 

So I’d just urge us, as we focus on small businesses, recognize 

that in the tax code we still have challenges in complexity and in 

predictability and in whether we’re focusing on the real challenges 

of small companies, and that’s our mission, and we need to work 

together to make sure we achieve that. 

I was listening on the disaster relief, and it just reminded me 

that it was 20 years ago that we passed the Pre-Disaster Loan 

Mitigation Program, and I don’t believe that’s been utilized anywhere near as much as it should. We can’t prevent disasters, but 

we can do pre-disaster planning, and there the small business has 

tools available that I would hope we recognize vulnerable communities. 

SBA was unbelievably helpful with regard to the flood that occurred in Ellicott City, Maryland, and I’ve talked about that several times. Ellicott City, Maryland, is flood prone. So part of our 

response to the disaster was to do pre-disaster mitigation, and we 

have, so that the shop owners who rebuild are less likely to be impacted again by the next flood that occurs, and that’s part of what 

we do and part of your mission, and we urge you to work with us 

on that. 

And the last point, since Senator Coons mentioned Senator Risch 

and got a little extra time, let me mention Senator Risch and a letter that the two of us sent to you on cyber security that followed 

up a hearing that we had here that I thought was one of the best 

hearings that I participated in on any committee, because we 

thought we got concrete suggestions on how we could help small 

businesses prepare for cyber and security issues. 

It talked about the disadvantages that small companies have in 

putting in software to protect against cyber attacks, and we should 

be able to do a larger pool for small businesses, and how SBA can 

help in providing technical information so small businesses understand this. There’s an embarrassment factor when your business 

has been invaded and you don’t want to talk about it. There are 

things that we can do to help companies deal with the reality of 

a number of vulnerabilities we have, and we would ask that we 

work together in order to try to develop a strategy where we can 

be more effective in helping small businesses protect against the 

threat of cyber and ID theft and all the things that are out there. 

And with that, I’d just agree that we need to work together in 

order to achieve these things. 

Ms. MCMAHON. Thank you, and we will. 

Chairman RISCH. Thank you so much. Thank you, Ranking Member Cardin. 

Again, Linda, thank you so much for coming. 

We’re going to keep the record open for a couple of weeks from 

today for members who want to submit questions for the record. I 

suspect there may be some, and we would ask you to be prompt 

in responding to those. I know you will be because it will be helpful 

to us as we move forward. 

So, with that, nothing further, the committee will be adjourned. 

Ms. MCMAHON. Thank you very much. 

[Whereupon, at 4:52 p.m., the hearing was adjourned.] 

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SMALL BUSINESSES CAN 

SAVE NET NEUTRALITY 

7,033 American businesses support the CRA to block the FCC's repeal of net neutrality. 
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FIGHT fORTHf FUTURE 0 

(b DEMAND PROGRESS 

Dear Member of Congress, 

We are companies who rely on the open Internet to grow our business and reach customers online. 

We are asking Congress to issue a "Resolution of Disapproval" to restore net neutrality and the other 

consumer protections that were lost when the Federal Communications Commission (FCC) voted to 

repeal the 2015 Open Internet Order in December 2017. 

Users and businesses need certainty that they will not be blocked, throttled or charged extra fees by 

Internet service providers. We cannot afford to be left unprotected while Congress deliberates. 

We will accept nothing less than the protections embodied in the 2015 order. Please ensure the FCC 

keeps its tools to protect consumers and business like ours. 

Thank you for considering our views. 

Sincerely, 

The undersigned. 
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ALASKA 

• Accurate Vision Clinic 

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• Brigit's Knits 

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CustomMousePad.com 

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·Ebb and Flow 

• Glenda Smith, Realtor 

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• Kodiak island brewing Co. Lie 

• Law office of jill Wittenbrader 

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• Rehabilitation Medicine Associates 

• Rwb Auto sales 

• Student Apartments 

• Trinity Cares Inc. 

• Twisted Branch Photography 

• Wellwood Center 

·Wooden Diamonds 
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ALABAMA 

• Anarky News 

• Beach Tyme Properties 

• Behavioral Analytics 

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• Call Analytical laboratories 

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• The Studio of One 

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• the willows day spa 

• Writerspace 
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ARKANSAS 

• Best Behavioral Health Services 

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• CC Analytics 

• D & S Enterprises 

• Dandy Roll 

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• Massage Therapy Professionals 

• Ryan Studio 

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• Sweden Creek Farm 

• Visual Impressions 
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ARIZONA 

• A&P Global Goods 

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·America's Real Estate Properties 

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Theatre 

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• COPCOLLECTOR.COM 

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• FACTOR1 

• Firstchrono Media 

• FM Magic, Inc. 

• FOLLOW THE RAINBOW 

• Frederic Barnes 

• Fronterhouse LLC 

• Funky Dreamer Storytime 

• Gardens del Sol 

• Gearbox Magazine 

• Glitter Trench 

• Got All Your Marbles? 

• GrafixWiz.com 

• Graham Consulting 

• Hands of Health 

• Happy Solutions, Inc 

• Harmony Animal Behavior 

• Hartwood Publishing Group 

• Hathority, LLC 

• Hattaway Creative 

• Holistic Prevention & Wellness 

•!chi, LLC 

• james Frenkel & Associates 

Photographer 

• JEWELRY PLUS 

• Jge holding, lie 

• JLSys 

• Joan Petty PC 

CONSULTANTS 

·jon Stump Photography 

·joyful Travel & Adventures 

• K12 Handhelds, ln.c 

• Karen Sergeant Consulting Inc 

• Kevin Wachel Team 

• KnowledgeGate, LLC 

• Lakeside Apartments 

• Landmark Technologies 
40 

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• leadership Associates, LlC 

•logic Line 

• LPFM Downtown Tucson 

• Manzimvula Ventures, Inc. 

• Meadowlark Aviation 

• Metzger Custom Homes 

• MojoGroup LLC 

• NameSilo LLC 

Commerce 

• Nutritional Management Services 

• Olberg Enterprises 

• One World Therapy 

• Open Window Software 

• Opus az, lie 

• OPUS FUNDING and investments, lie 

• PC Plus 

• Peacockmoon Cheesecakes 

• Pegasus Satellite & Electronics 

• Philip E Stein, OD & Assoc. PLLC 

• Picaflor jewelry Design 

• PossibiliTEAMS lLC 

• ProVentures 

• Radiant Soul Massage 

• RDH Associates 

• Real Estate Learning Center 

• Realty One Group 

• refractory studio inc 

• Relationship Matters 

• Rescue Residential LLC 

• RetroTrek 

•RQA 

• Runner's Den 

• SandMan Promtotions 

• Sandy's Magic Hands 

• Santo Press 

• Scottsdale International Film Festival 

• Sedona school of massage 

• Sedona Sunrise 

• Seeflection LLC 

• Six Degrees Digital Media 

• Smalltrees 24hr Childcare 

• Softque computers 

• Sonoran Apothecary 

• SouiRebel 

• Spiritcaller Studios 

• Spirited Clearings 

• Storybook Soapworks, LLC 

• Studio1014 

• Subvert Accessories 

• Sunbelts 

• Superstition Area Land Trust 

• Taylor Right Co Inc 

• TAYLOR RIGHT Copr 

• Taylor Right Corp 

• Team Wizard Inc. 

• TekSystems 

• The Bijoux Box 

• The Gardens at Mile High Ranch 

• The Invisible Museum 

• The Invisible Museum of Design 

• The Suits 

• The Working Artist lLC 

• Thunder Puppy Art 

• Tilted Feet 

• Tina's Virtual Assistance 

• TNT Shredding lLC 

• Trophies 'N Tees 

• True North Barber Shop 

• Tubac Center of the Arts 

• UC Initiatives 

• VASC Corporation 

• Veg Box Meals 

• Vida Bela LLC 

• Virginia Thompson Ceramics 

·Webb Dsgn 

• Whozitz and Whatzitz Unique Gifts and Cards 

• Wildcat CrossFit 

• Wisdom Yoni 

• Wist Office Products 

• Wrath by Berries 

• WulfenBear Media 

• Yoga-Yingo 

• Zenith Enterprises 
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CALIFORNIA 

• 19 Productions LLC 

• 1st & Main Acctg & Mobile Notary 

• 3Scan 

• 916 PiX 

• A Bork Endeavors 

• A Call to Actions 

• A Snail's Pace Inc. 

·A-HA Creativity Training 

• A Scott Greer PhD 

• AA Audio Waves, Inc. 

• ABMS Computer Repair 

• Abundant Content 

• Acacia Springs Ranch 

• Accomplishment Web Design and Marketing 

• AcCounting On Computers Incorporated 

• ACE INVESTIGATIONS 

• AceGoulet, LLC 

• ActionSpot 

• Active Theory LLC 

• Actors' SOUND ADVICE 

• Acupuncture and Wellness Clinic 

• Adventures Unlimited.com 

• Aero Electronics 

• AeroComposites LLC 

• Agent Web Dev 

• Agribody Technologies, Inc. 

• AHA! -Creativity Training 

• Aharoni Business Law, PC 

·Airtight Internet Services 

• Aixa Fielder Inc. 

• akinnovations 

• Alameda motor 

·Alex Giedt Consulting 

• Alexander Technique of Santa Barbara 

• Ali Akbar College of Music 

• Alison De Almeida 

• Allen D. Kanner, Ph.D. 

• Almaden Oaks Community Center 

·Aloha Brothers Surf Lessons 

• Alouette Technology 

• Altech 

• Altoserv LLC 

• AltruVistas 

·Alvarado Creative Co. 

• Amanda Mathson Photography 

• American Child care Services, Inc. 

• American Voice Mail 

• Analysis of Motion 

• Ancestral lineage Clearing 

• Ancient Earth Treasure 

• And Bows 

• Anderson Enterprises 

• Andrea Byers 

• Andreoli Vineyards 

·Angel's Touch Detailing 

• Animal Dermatology 

• Animated Software Co. 

• Annuity Ally 

• Anthony Shogren 

• Anthony Somkin, M.D. 

• Anycoin 

• AppEnsure Inc. 

• applebox design 

• Applied Business Concepts 

• April Hershey 

• Arbella parrot, psyd 

• Archetypal Wellness 

•Arco 

• Arctic Wings Gallery 

• Arelia Goods 

• Argus Books & Graphics 

• Armin Wright, Acoustical Consulta1 

• Art Advisory & Appraisal 

• Artist at Large 

• ArtisTech Media, LLC. 

• ArtSpeed 

• ASAP Mobile Notary Services 

• Asea Associate with ASEA 

• Ashputtel Pictures 

• Astrocourier Astrological Consultir 

·Asymmetrical Consulting 

• AtAudz 

•ATE Magic 

·Ate Up With Motor 

• Athena the Musician 

• Atlantis Pacific Ventures, Inc. 

• Audio Video Workshop 

·Ava Evans Hypnotherapist 
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• Avant-Garde Marketing 

• Avenue 65 Records 

•Aveox 

• AVESTA, LLC 

• AZILA HOLDINGS, LLC 

• Aztlan Media 

• Bachelder and Associates 

• Backwoods Engineering 

• Bad Mood Clothing 

• Balance Integration Group 

• Balboa Consulting 

• Bali & Beyond 

• Ballsaroo, Inc. 

• Bamboo Sourcery Nursery & Gardens 

• Barbara Howington Copywriting 

• Barn Productions, LLC 

• Barnes Insurance services 

• Barry Michlin Photography 

• Basmati Bags 

• BcinemaTV 

• Be Curious Therapy, jean Pappalardo, LMFT 

• Beach holdings 2005 

• Beachy Keen Rentals 

• Bean's Bargins 

• Bearcat 

• beau monde organics 

• Because we Care Dog and Cat Grooming 

• Beckerman Consulting Services 

• Bel Air Internet 

• BentonWebs 

• bernal cutlery 

• Best Gift Adoptions 

• BestNewBands.com 

• Betterhuma ns Inc. 

• Beyond the Sea 

• Big Bend Hot Springs Project LLC 

• BIG HUE LLC 

• Big IT, Inc 

• Big Sur Unified School District 

• Bigelow Contracting, Inc. 

• Bike Dog Brewing Co. 

• Bill Pezick, CFP(R), Enrolled to Practice before 

the Internal Revenue Service 

• Bills handyman service 

• Birch & Iron Fitness Corpo 

• Bita Sheibani UX Consulting 

• Bita Sheibani UX Consulting, LLC 

• Bitter Betty's Better Bidding 

• BizKiss LLC 

• Black Box Studios 

• Blitz Screens 

• Blitzkrieg Urban Supply 

• Blockhead Skateboards 

• Blue Book Desert, LLX 

• Blue Sky Vending 

• Blue Yonder Productions 

• BNI Riverside and San Bernardino Cos. 

• BNS Electronics, Inc. 

• Bob Heisler, EA 

• Bob phillips construction 

• Body Slopes Massage 

• Bohannon Eberts Design 

• Boho2Chic 

• Boldest, LLC 

• Books for Educators 

• Boortz PR Communications 

• Bored Feet Press 

• Bosses 

• Boulden Publishing 

• Brackney Indexing Service 

• Brad Johnson Audio 

• BRADY FAMILY PARTNERSHIP 

• Brian Boortz Public Relations 

• Brian Caretaker 

• Bridge Afterschool Corp 

• Bridge Afterschool Programs 

• Brigade 

• Brilliant Telecommunications 

• Broken Dishes 

• Broth Baby 

• Brunzell Historical 

• Bshine Designs 

• Building Energy Efficiency 

• Bus-Man Holiday Tours 

• Bush Financial Services 

• Buy Gold and Silver Safely 

• C Dastur Studio 

• C. Wolfe Softare Engineering AND Pony 

Named Bill Tack 

• C. Wolfe Software Engeering AND Pony 

Named Bill Tack Shop 

• C. Wolfe Software Engineering & Pony Named 

Bill Tack Shop 

• Caldwells 
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• Caletti Cycles • CleanCut Technologies, LLC. 

• Calibrick • ClearFire Media 

• Cali burn Design and Construction • Cloak, Inc. 

• California State University Dominguez Hills • Closing The Loop, LLC 

• Camachohypnosis • CNCWerks 

• Camarillo Chiropractic Associates • Cohen Software Consulting, Inc 

• Campbell Computer Consulting • Colonial SOuth Bay Insurance Brokers 

• Career Boost Resumes • Common Sense Media 

• Carl A Smith • Communications Impact lie 

• Carol Gold Sculptor • Communitas Financial Planning 

• Carol Gold Sculpture • Community Food and justice Coalition 

• Carolynn's Montessori for Toddlers • Compelling Animations 

• Carpe Data • Complyrs 

• Cartoon land • Computer VooDoo 

• Casa Major, Inc. • Congregation of the Golden Rule 

• Casey Law Group • Conscious Ventures by Design 

• casia • Consolidated Investments 

• Catalyst-Agency • Consultation Services 

• Cathy George Design • Contextly 

• Catlin H Choate Inc • Continental-Pacific lbr lnd Inc 

• Cattywampus Vintage • contractor/freelancer 

• Cavington LLC • Cool Consultations Inc. 

• CC Events • Cornerstone Design 

• Ceilume • Corporate Fulfillment Systems Inc 

• Center for Architectiral & Design Research • Corporate Host Services 

• Century 21 M&M and Asses. • Cosmic Hippo Designs 

• Ceremonies and Celebrations • CosmicHippoDesigns 

• Chanda Williams Design • cosmicloak 

• Change.org • Cozy dozy home 

• Channel 29 & 76 • CPGjobs 

• Charlie Hochberg Photography • Craft Signworks 

• Check my Prop • Craig Toonder MFT 

• Chef Andrea Lawson Gray • Create Interior Design 

• Chelmsford pediatrics • Creative Life Strategies 

• Cheryl Elkins jewelry • CreatorFront 

• Children First Inc. • Crestmark Architectural Millworks 

• Childs' Play • Crisis Coaching 

• Choney inc • Crucial Vibes Unlimited- LLC 

• Chris Garcia Studio • Crystal Helix 

• Christina Gaunce, RDN, CEDRD • Crystal Pyramid Productions 

• Christophers Consulting • CST Productions 

• Cinehues LLC • Cubizm 

• City Tennis • Cubizm, LLC 

• CL Cleaning • Cultivated Frequencies 

• ClarkeDesign • Cultivated Society 

• Classic Real Estate Sales • Cultural Waistland 

• Claude Alexan der • CultureWeave 
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• Curai 

• Custom lV and Stereo 

• Cuviello Agency 

• Cyrun 

• D. Foster Photography 

• D. Ross Cameron Photography 

• dana couey music production 

• Dana's Paper Flowers 

• Dancing at the Crossroads Counseling 

• Daniels Consulting 

• DARB Insurance Services, Inc 

• Darick Robertson Studios 

• DataBoost 

• David Stratton Designs 

• Davis Home Solar 

• DCM Consulting 

• Deaf Empowerment for Animal Freedom 

• Deborah Kaplan Evans 

• Debra Barringer Accounting 

• Debra Styer Illustration 

• decata lie 

• Del Norte Medical Imaging 

• Del Norte Medical Imaging, Inc. 

• Delta Tao Software, Inc. 

·DEMO LLC 

Construction 

• Design Collaborative 

• Design Dimension'-lnterior Design 

• Designed Interiors 

• Designed Landscaping Inc 

• Devil Mountain Nursery 

• Devil's Gate Ranchg 

• Dianes Art 

• Dichroic Quilt 

• Die Crawling Media 

• DIESEL, A Bookstore 

• Digital Film Studios 

• Dilou 

• Dimensions Printing 

• Dirty Blonde by allison leigh 

• Dissonance Entertainment 

• Distinctive Design 

• DiViT DESIGN 

• DMJ SYSTEMS 

• Dog Whisperer of Santa Barbara 

• Dogs of Peace Parks 

• DolphinWorks 

• Domainr 

• Donavis Music, Inc. 

• Donkey Den Studios 

• Donna Kuck Health Coach 

• Doppeldoo 

• Doppeldoo Photo Booth 

• DoubleTakeCA 

• Douglas Braak Piano Service 

• Dr battier's vet clinic 

• Dr. and Rental Business 

• Dr. Donna Miedama Carr, M.D. 

• Dr. Irene Rokaw 

• Dr. Margaret Austin 

• Dracoventions 

• Dragon's Treasure 

• Dream Create Communicate 

• Dreamland Distribution 

• DREXA LLC 

• Drinkified Learning LLC 

• Drumming Magic 

• DS Software 

• dsh Solutions 

• Duck & Beaver, Inc. 

• DUNCAN AND ASSOCIATES 

• Dungeon In A Box 

• Dynamic Team Solutions 

• E&B Auto Repair 

• E-Promotions, Inc. 

• Earth Accounting 

• Earth Arts Studio 

• Earth Heart Wellness 

• Earth Heart Wellness Center 

• Ease, Inc. 

• Eastern Talent Agency 

• EasyDial 

• EAZYXP 

• Eclectic Electric 

• EcoEiectronix, LLC 

• Ecotopia NewsService 

• Ecoyardscapes 

• EditSweetLA 

• Edwin Li 

• Elaine Hausman 

• Elaine Larson Arts 

• Electron Microscope Laboratory 

• ElegantSteamjewelry 

• Eli Suzuki-Gill I Photographer 
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• Elixir Natural Foods 

• EMK & Associates 

• EMKCVC 

• Empire West 

• Empowered 

• Empowerment Strategies 

• Endurance Products 

• Entertainment Consultants International 

• Epicenter Comics 

• EQyss Grooming Products 

• ErgoDynamix 

• Erica Hite Illustration and Design 

• Erin Gallagher Illustration 

• Ernest Greene Studios, Inc. 

• Ervast Consulting 

• ESStudios 

• Evergreen Nursery 

• Evolve Design 

• EW Landscape, Inc. 

• Executive Linguist Agency, Inc. 

• Exotic Fog 

• Expedited freight services 

• Expert Research Associates 

• Extending Reach, LLC 

• Exton Equities 

• Eye Care for you 

• F. Michael Montgomery 

• FN jeanette P & FN Miss Gracie 

• Factor Four Consulting. Inc. 

• Faith Fleury Fine Art 

• Faith-Michele Photography 

• FaithWorkings 

• Fashion Spirit 

• Faulkner Advertising 

• Faytak Construction Inc. 

• Ferris" Berried Treasures 

• Film Independent 

• First Street Alehouse 

• Fit Life Exclusive Apparel 

• FitnessWorks 

• FitzGibbon Ceramic Art 

• fix interiors 

• Flaherty & Associates 

• Flamenco Romantico 

• Flipbit Digital 

• Floor Covering Concepts 

• Flute Oceanside 

• Flynn & Assocc., Inc. 

• Foodtopia 

• Forbiddenedges 

• ForSites Corp. 

• Fortunet Inc. 

• FOUNDGREEN 

• Fountains at Sea Bluffs HOA 

• Fragments of the Universe 

• Fragrance Vault, LLC 

• Frank Westphal Music 

• Fraser Seiple Architects 

• Fred Licht Photography 

• Fred Morrison, LMFT 

• Fred Morrison, Marriage Family Therapist 

·Free Range 

• Free Range Puppies 

• Freeborn Designs 

• Friend's junction 

• FuckTrump Inc. 

• Fun Paw Care 

• Furniture Club 

• G-Max Design 

• Galaxie Entertainment Company 

• Gallo tomatoes 

• Garden of Bead in 

• Gari Safari 

• GDM Properties 

• Geek Girl IT 

• Geo Evolution 

• Geomagnetic 

• George Dedekian Architect CASp 

• Gerard and Lambert 

• gies design 

• Girl Friday Events 

• Glass View Photography 

• Glenview Strings 

• Go-To-Geek! 

• Gold Business & IP Law 

• Gold Coast. Sales 

• Gold Hook Marketing 

• Gold Vein Marketing, LLC 

• Golden Ideas 

• Golden Road Productions 

• Golden School ofTai Chi Chuan 

• Good Medicine 

• Goozleology 

• Grass Fed Bakery 
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• Great Gifts 

• Great Patience Zen Stitchery 

• Green Chile Kitchen 

• Green Horizons Landscaping Service 

• Green Rooster Farmers 

• Greetings by the Yard 

• Gregory 

• Grif Creation 

• GroGardens 

• GSiglobal 

• GSK&Associates 

• GTRV-Vans 

• Guanatos Enterprises 

• GuitarViols inc 

• Gypsy Moon Ventures 

• Hack and paint 

• Hadjipetrova Law 

• Hal be Graphics 

• Ham boning Media LLC 

• Hamilton Instruments 

• Hampton O'Bannon Partners 

• Handmade Interactive LLC 

• HandsinDemandMassageServices 

• Handyman Artisan Inc. 

• Hank's Place Publishing 

• Hansel Ford 

• Happy Hearts Daycare 

• Harmony at Home 

• Harmony Grows 

• Harrington&associates 

• Hawaiian Enterprises Unltd. 

• HEALIOSCOPE 

• Health Kinesiology 

• Heart And Star Studios 

• Heartman Music 

• Heidi Smith Consulting 

• HelioBioSys, Inc 

• Hema's Beauty lounge Inc. 

• Heroic Yes! Productions, LLC 

• Herronsfx 

• Hideout Saloon 

• High Sigma, Inc. 

• Hite Studios 

• Hollister Soaring Center, LLC 

• Holy Mountain Trading Company 

• Home of the Herds 

• Homegoods Furnishing 

• Honeyboy, Inc. 

• Honu Paradise 

• HORNSTEIN ROOFING & WATERPROOFING 

• Horst Gruner Construction, Inc. 

• Hoshalls Salon and Spa 

• Hotel Cheval 

• House Cleaning 

• House Cleaning & Organizing 

·House of Visage, LLC 

• HTFS 

• Hubbard& Co. 

• Hubbell Daily Architecture+ Design 

• Hug Bombs 

• Humble Root 

• Hundredfold Studios, LLC 

• HUNTER Studios 

• huntergatherer artifacts 

• Hurd & Associates Design 

• Hypothetical Productions 

• I R Meyers Photography 

• lan Cook Studios 

• Ideal Sports & Simulations 

•IFF-US 

• iFixit 

• iHomefinder, Inc. 

• imphatic Labs 

• INS Healing 

• Independent Knowledge 

• Independent Travel Agent 

• Indian Ridge Preserve 

• lndie-Scribable Editorial Services 

• Infinite Dictionary 

• Infinite Possibilities 

• Influence Communications 

•lngenuix 

• Inger Acking 

• lnnosu LLC 

• lnsource Consulting Group 

Services,LLC 

• interior work 

• International Cinematographers Guild 

• International Expo Service, inc. 

• International Plastics Equipment 

• International Society for the Preservation of 

the Tropical Rainforests 

• Internet Archive 

• lntex Solutions, Inc. 
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• lntXel, Inc. 

•lnVisions 

• Invitation Only 

• 10 Cooperative, Inc. 

• ion Beam Systems, Inc. 

• Irene Vecchio, MFT 

• Iron Oak Canyon Ranch 

• Isabelle Gorndt 

• ltemware, LLC 

•Juxta 

• Ivan Edits 

• IWV Taxi Service LLC 

• J.M.D video games music 

• Jamie R Zazow 

• jane Thomas Press 

·janet Kennington Interior Design 

• janus Design 

• JBM Construction 

• jeff Condit Egineering 

• jenart 

• Jielee Designs 

·Jill Vacarra jewelry 

• JLaB Photography 

• JMT Nptary Public 

·john Melcher, AlA I Architect 

• jolly Good Media 

• josh's Consulting Company 

• joshua Essoe, Editor 

• journey Media, LLC 

·joy Designs 

• JP Recording 

• JS Engineering 

• jT Morrow Illustration 

• jtkyorbalinda@aol.com 

• jTogs Photography 

·judith Glickman Zevin, Psy.D. 

·juice Design 

·juice Plus+ 

·juliet Peel Photography 

·justin Berrington Photography 

• juxtatone 

• JWHolley, M.A., Marriage and Family Therapist 

• K & A R Foundation 

Carpenty 

Arts 

• Karmatomic Creative 

• Kashana Holdings 

• Kat's Natural Balance 

• Katerina Della Porta Art 

• Keebu Media 

• Keene Builders Inc 

• Keene Builders, Inc 

• Keep Voting, America 

• Kelly Company Real Estate 

• KellyLA 

• Kelsey Technologies 

• Kenco Inc. 

• Kenney Consulting, LLC 

• Kestrel Biologic 

• Khalsa Chiropractic 

·Kickback 

• Kim Messmer Photography 

• Kimes Tutoring 

• King Salomon Fitness 

• Kinjin Sotry Lab 

• Kinjin Story Lab 

• Kirra Reyna Designs 

• KIT LOFROOS, MA LMT CMT 

• Kitchen Artworks 

• Kiteisland 

• Klinger Creative 

• Knowledge Quest Learning Center 

• Knowledge solutions 

• Knue Consulting 

• KyferonLARP 

• KyleBrackenDesignes 

• LD&C 

• L Star Murals 

• l.E.G. Productions, Inc. 

• La Bicyclette Restaurant 

• La Femme Boheme 

• Lamorinda Learning Clinic 

• Landmark Ink 

• Langlers WebWorks 

• Larz Dog Products 

• Laser Reference, Inc. 

• Laurel Digital, LLC 

• Lauren Palazzolo Yoga 

• LAUSD 

• Lavender Lane 

• Law Office of David F. Brown 

• Law office of Richard Phelps 

• Law Offices of Charlotte Pirch 

• Law Offices of Chris Ann Maxwell 
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• law Offices of Stuart H Garrison 

• Law Offices of Stuart H. Garrison 

• Lazy Dog Designs 

• Le Spirit Designs 

Systems 

• learnSpeed, Lie 

• Leatherback Canvas 

• LeeCare In Home Support 

• legend Tile and Stone 

• Let's Build 

• Leverata, Inc. 

• Life Coaching Support Services 

• Lifestyler Music 

• LIG Marine Managers 

• Light and Fire 

• light of the Moon Glass 

• light Sound Dimension 

• Lightfoot Art Services 

• Lightning Ray Pictures 

• Lil' Elephant 

• Limbic Lines Publishing 

• linabond, Inc. 

• Linda johnson Therapy 

• Liquid Dreams 

• Liquid Soap, Computer Coach 

• Lisa Caloh Massage 

• Lisa LaPlaca Interior Design 

• Lisa's Handspun Designs 

• little Bite Gallery, LLC 

•liveZone 

• Lizzzard Silver Company 

• Local logistics of CA, LLC 

• Loddy LLC 

• logical Computer Solutions 

• Logos World Inc 

• Lombardo 

• London Street Arts 

• London Two Consulting 

• lookout & wonderland 

• Lori K Designs 

• Lothar Schmitz Scientific Consulting 

• Louise Chegwidden 

·Love First 

• Lucky Penny Dog Designs 

• Ludwig Sewing Machine Company 

• luke Pidgeon Photographic 

• lyon & Associates Creative Services 

• Lyric Recovery Services, Inc. 

• M K Rodarte, RE Broker 

• M&C Consulting 

·Macro 

• Magallanes Drafting & Design 

• Magic-4-life LLC 

Coordinating 

Coordinating 

• magicaluniverse 

• Majestic hair fiber 

• Manifold 

• Manuel Wong Designs 

• Manus Magicae 

• Manzanita Pharmaceuticals, Inc. 

• Margot M Anderson,landscape Architect 

• Margowsky Design 

• Mariposa Foodwerx Incorporated 

• Mark II 

• Mark Old land -sculptor 

• Massage Serene Spa 

• Matsana 

• Matta Napkin 

• Maxwell Klein Consulting, Inc. 

• Mayafoto 

• Maynely Positive 

•MBN 

• MC Electric 

• McNaughton Construction 

• MeanKitty Productions, 

• Medweb 

• Melaleuca 

• Melbees 

• Melissa Lee 

• Mending Wheel 

• Meowser Bowser Pet Care 

• Mephistopheles Systems 

• Merchant Services Group LlC 

• Merriman Properties LLC 

• MerriMonster 

• Mesotopia, LLC 

• Message Consulting 

• Metamuse Media 

• MGMT- CONSUL llC 

• Michael Summers Art, LLC. 

• Michael's Mobile Massage lLC 

• Midtown Framing 

• Mike Cohn & Associates Insurance Agency 
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• Mikeplace graphic designer 

• Mike's AeroCiassics, Inc. 

• Milked Media 

• Millennium 

• Millennium Electronics 

• Miller Investments 

• Minerva Consulting 

• Miranda Hoffman jung, Psy.D. 

• Mission Sweet Spot 

• Mixt Media Art 

• MJG & Associates 

• MMSE, Inc 

• mo productions 

• Magin Associates 

• Monticello Electric 

• Moon Wise Herbals 

• Moore Group Advantage 

• Morgan's Services 

• Morgan-Merrill 

• Morrison Legal Services 

• Morrow & White 

• Mosaic Acting Studio 

• Motion Unlimited, Inc. 

• Mountain Tech Review 

• Mr 

• MrCieanSD 

• Mrow Mrow Inc. 

• MrSpeakers, Inc 

• Mtz Services 

• Muon Music 

• Music For Life Coaching 

• My Guardian Angels 

• My PC works! 

• Mysterious Galaxy 

• NALM Music 

• Nancy Harlander, Piano Instruction 

• Nancy Webber, artworker 

• Narrow Bridge Candles 

Therapy 

• National Payment Services 

• Nature Power 

• Nature Provides 

• Nearsoft, Inc 

• NeatSchool 

• Netcetera, Inc. 

• New Bohemia Signs 

• New Moon Electric 

• New Technology Consortium, NTC 

• NFS Press 

• Nick Gaetano 

• Nightingale Breads 

• Nik.Mohilchock.com 

• Nina Port Interior Design 

• No Diamonds Web Services 

• Nobody Cares Media 

• Nonlinear Technologies, Inc. 

• Nontrivial Studio, LLC 

• North County Financial 

• North Star Psychotherapy 

• North Star Systems 

• NotPie, Inc. 

• Novelteas LLC 

• Novissima Detail 

• O'Connor & Associates Art Advisors 

• Oakland Symphony 

• Obscure Engineering 

• Ochre Dot Gallery 

• oeworks LLC 

• Office Squirrel 

• Office Wife 

• Office Wife VA 

• Old Growth Organic 

• Oliveto del Vecchio 

• Olivia Owen 

• On Call Notary Service 

• One Community Inc. 

• One SOS Med Transport 

• Only Organic For Me 

• OoSoSharp, LLC dba Sharp Ambulance Billing 

• Opertoon 

• Opulent Mobility 

• Orange Coast Computers 

• Orthogonal. LLC 

• Osmo Systems 

• OTC Catering 

• Otherwild 

• Outside The Box Builders, Inc 

• Owen Freeman Illustration 

• Owl Mountain Music 

• Oz Images 

• Oznorts 

• Pacific Coastal Realty 

• PACIFICARIPTIDE.COM 

• Paralegal Support Services 
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• Park Drive Homes 

• parker construction 

• Park's Liquor 

• Parsons Corporation 

• Patty's Cakes and Desserts 

• Paul M. Brinich, PhD 

• PC Whisperer 

• PE Inc 

• Peak enterprises 

• Peapods, Inc 

• Penelope Fiber Arts 

• Penny Films Ltd 

• Percussive Maintenance 

• Personhood Press 

• Petals N Scents 

• Petropoulos 

• PG&E 

• Pharmacy Consultant Services 

• Physical Therapy & Sports Medicine Center 

• Pia Loeper, Appraiser 

• Pick a Kit 

• Pipeline Marketing Group 

• Pitanga 

• PixeiTag Inc 

• Pixr Media 

• Placer Independent Resource Services 

• Planet Sleaze 

• Plate C Productions 

• PlayFur Pets, LLC 

• Pobal Construction 

·Point of View Productions 

• Polar-Products.com 

• Pop! Ink Design Studio 

• Popchain 

• Portigal Consulting 

• Post & Gleam 

• POWERON FILMS 

• Practical Academics 

• Pretty Me Store & Logos World Ministries 

• PrettyMeStore 

• Printer's Ink 

• Product Architex 

• Project Ink 

• Prosenergy 

• Pro Technic Consulting 

• Protomation Systems, LLC. 

• Psychicfortunes 

• Psychtools Psychology Group, PC 

• Pueri Cantores San Gabriel Valley 

• Qebot 

• QSwordWielder 

• Queridomundo Creative 

• Queridomundo Desig 

• Quiet Meadow Cottages 

• Quinnovation 

• Quintessence Healing Arts 

• QWERTY Education Services 

• Rachel Khona 

• RadioCamp, LLC 

• Radiology Associates of San Luis Obispo 

• Radius Mobile Apps 

• Rags and wags 

• Rainbow Spirit Photography 

• RainbowMakers 

• RANDCO 

• Raygun 

• RBT Racing 

• Readers' Books 

• Real Estate Photography LA 

• Recharge biomedical 

• Redbubble 

• Redkorp Inc. 

• Ree Whitford Productions 

• Reebs Lures 

• Refine Men's Salon of Mountain View 

• Reid Case Management 

• Reisch net Industries 

• Rent Me Today LLC 

• ReQapture LLC 

• Revelation in Fit 

• Rex Bennett Consulting 

• RG Consulting Services 

• Rl Lopez Interpreter Services 

• Rico Suave Magic 

• Ridella Consultant 

• Ridella Landscape Consultants 

• Right Angles Technologies Inc. 

• Rj Cooper & Assoc., Inc. 

• RJ Cooper & Associates, Inc. 

• Rob Leverson Technical Services 

• robert 

• Robert Maine & Associates 

• Roberts hoffman, md, inc 

• Robin Spear Art+ Design 
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• Roble, inc 

• Roger Davis Co. 

• Rolling Start Inc. 

• Rolls deli cafe inc 

• ronileart 

• Ronit Corry Dog Whisperer 

• Rosettes and CSS 

• RP Communications 

• RSCJ 

• RSK ENTERPRISES INC. 

• RTFactfinders 

• Rucker Enterprise 

• RUSSELL ORRELL CONSTRUCTION, INC. 

• S & T Lubin, Architects 

• Saberlight 

• Sacred Therapies Productions 

• SAFE, Inc. 

• Sagittarius Screen printing & Embroidery 

• Sailable Real Estate 

•Sajid 

• Sakyadhita 

• San Diego Vacation Rentals & Sales 

• Sandboxology 

• Santa Barbara Quantum Health 

• Sara Armstrong Consulting 

• Sarah Reesor Ceramics 

• Satori Bio, LLC 

• Saxon & SunRa 

• SBPCTECH 

• SC Saroff General Contractor 

• Schneiderestates.com 

• Schulman Consulting 

• SchuurSpeed 

• Sculpteo Inc 

• Sculptured Gardens Alive 

• Sea of Green Gardening 

• Self-employed 

• self-employed 

• Selkirk Music 

• Semiotic Systems LCC 

• Sepuya 

• Serei Clothing 

• Seth Fischer Editorial 

• Sew Becoming 

• SF Dog Adventures 

• SF Premier Dental 

•SFMG 

• Shadow Steel Studios, LLC 

• SHAKLEE DISTRIBUTOR 

• Shannon Scott Design 

• Shanon's Violin Academy 

• Shanty Music 

• Sharmakliche 

• Sharp Statistical Sciences 

• Sharpe & Flatte Piano Service 

• Sharptooth Creative 

• Shawnee Badger 

• Sherry Rand Art Director Designer 

• Shewmuze Productions L.L.C. 

• Shiatsu Alchemy 

• Shoe Tips 

• Siddha Flower Essences 

• Sierra Crest Cabinets 

• Silver Lining Unlimited 

• simplexities 

• Simply Nourishing Food 

•SKM 

• SKRESQ 

·Sky Pilot 

• Skydive Elsinore 

• Skyes Mobile 

• Sleek Spot@ Sparkle SF 

• Sloppy Boys 

• Small Business Owner 

• Small Business Owner 

• Smart Ascots 

•SMC 

• SNAP Cats 

• SNAP Cats 

• Snowbridge Associates 

• Snyder Piano Service 

• Social Sotan 

• SocioEnergetics Foundation 

• Socrates Dog Walking 

• Socrates Dog-walking 

• Socrates Pet Care 

• Sodtdesigns.com 

• Schum Yoga 

• Solace Counseling 

• Solar Wind Works 

• SolarFirst 

• SolarNexus Inc 

• Soligen Corp. 

• SoloRoboto Industries 
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• Solstice Son Design 

• Solutions Plus 

• Sonoma Body Balance 

• Sonoma Pacific Distribution co 

• Sophia's Multiverse, Inc. 

• Sophie's stress free soirees 

• Soradesigns 

• Soul food collective 

• Soul Inheritance 

Productions 

·Sound of Sight Audio 

·Sourced 

• Spacedog XYZ LLC 

• SpaMedFit 

• Sparkyland Recording 

• Spartina lie 

• Speakeasy PR 

• Special Needs Project 

• Spiritbody Inc 

• Spottswoode Winery 

• Sprezza Consulting 

• Sputnik, Inc. 

• Squash and Stretch Productions 

• SSAM GROUP 

• St. john & Associates 

• Stagiworks 

• Standard 5&10 Ace, Marin Ace and Laurel Ace 

• Stapley-Hildebrand 

• Starfire Cleaning 

• Starstone lit & Tootie-Do Press 

• Stauter Flight Instruction 

• Stearns & Associates 

• Steeleworks 

• Steelgrip 

• Steiner landscape 

• Stellar Software 

• Stephanie Mitchell's Wordwork 

• Stephanie's Massage 

• Sternidae Industries 

• Story Power Communications, Inc. 

• StoryBuild 

• Strawboss Inc. 

• Stroud Electric 

• Studios of Asha 

• Style and Design LLC 

• Success Summits LLC 

• Sue Fisher King Co 

• Sue Walden & Co 

• Sunny's Virtual Asisstance 

• Sunnybank Pubishers 

• Surf Trips Lie. 

• Survival Media Agency 

• Susanj Weiand Photography 

• susan lake publishing 

• Suzanne Saul Paintings 

• Suzi Squishies 

•SWEVENS 

• Swinging Sixties Prod 

• Sydney Kaster Photography 

• Synchronicity 

• Tactrix 

·Taking A Line 

• Talon Audio Visual 

• Talon Tours 

• Tanglewood Forest Gallery 

·Tarragon Consulting Corporation 

• Tarragon Consulting Corporation 

• Taylor's Tinkering 

• Tech LX 

• Techpointpro lie 

• Tendy Goalie SchooiLLC 

• Terra Max Realty 

·Terry Dycus Sound Engineering 

• Tevel Chiropractic 

• Thai American Market 

• The Added Edge 

• The Alchemy of Food 

• The Bodyfit Solution 

·The Chequered Lily Apothecary 

• The Coloring Book Coach 

• The Common Knowledge 

• The Darwin Collective 

• The Declutter Therapist 

• The Electric Connection 

• The Engle Group 

• The Enticy Group, LLC 

• The Gardener 

• The Halifax Moon 

• The Law Office of Steven J. Alves 

• The Leadership Source 

• The Magick Cabinet 

• The Muhlbauer Companies 

• The Paper Gallery 

• The Sculpting Dept 
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• The Sound Connection 

• The SunnyBee, LLC 

• The Threepenny Editor 

• The Vanilla Company 

• The Wear-with-All -Online Boutique 

• The Weirdland Story 

• The Weird land Story 

• Therapy for Peace & justice 

• Therapy via Skype 

• Theresa M. Stewart, CPA, An Accty Corp 

• Thermal Rider Investments, LLC 

• Thompson Investments 

• Three Flip Studios 

• Three Sisters 

• Tiedyeman's Design Studio 

• Tim's Performance Computing 

• Tim naTal Music 

• Timothy J Clark Fine Art Studios 

• Tipton-Goss, Inc. 

• Tire Swing Media, Inc. 

• Tmvinssvcs 

• Tobermory Unltd. 

• Touching the Core with Chi Nei Tsang 

• Touchstone crystal 

• Toye Corporation 

• Trader Ann's Attic 

·Traditions 

• Treasure Cove Candy 

• Treasured By Design 

• TreatBuddy 

•Tribd 

·Trickster Ink. Inc. 

• Trinideli 

• Triphen Technologies Inc. 

• TruCode 

·True North Designs 

• Trueman Architectural Fabrication 

• TwinSuns Design Studio 

• Two Hats Consulting 

• Unbreakable Chord Music 

• Underwood Tax 

• Unity Foundation 

• Up & Down, Inc. 

• Up & Running Computer Services 

• Up & Running IT 

• Valencia Studio Suite 

• Van Dyke & Associates 

·Vedanta Society of SoCal 

• Vegan Outreach 

• Ventura Chiropractic 

• Ventura Chiropractic & Massage 

• Venture Realty 

• Vestman Mastering 

• Veterans Cleaners 

• Veterinary Surgical instruction Ser 

• Veterinary Surgical Instruction Service 

• Victor Huber Productions Inc 

• Viking Innovations LLC 

• Vintage Finds 

• VIP Grooming Inc. 

• VIP Scrub Club 

• Virgo Moon 

• Virtualside Studios 

• Vizzit Places, Inc. 

• Volti 

·Waffles Company 

·Wallin Mental Medical 

• Ward Mgmt Services 

• Watch It Tan 

• Watermark Deasigns 

• Wave Within Well ness 

• Wavelength Radio Promotion 

·Wavelength Radio Promotion LLc 

• Way of Life 

•WCCUSD 

• WCS, LLC 

• Wendy Stock PhD 

• West Designs 

• Weston's Dog Walking 

• Whodunnit- Murder Mystery Game App 

• Whole Body Beats 

• Wicked Productions 

• Wigs By Byron 

• Wilcox Foods 

• Wild Enchantment 

·Wild Ox, Inc 

• Wildflowers Nature School 

• William D. White Co .. Inc. 

• Williams Art Conservation, Inc 

• Williams Art Conservation, Inc. 

• Wilson Research Group 

• Windows of Heaven 

• Windward Road Press 

• Wise Tails Pet Care 
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• Wonderland Studios OC 

• Wondrous Beginnings. 

• Woods ofThe World Art 

• woofworks, inc 

• Wordsworth & Company LLC 

• Write All About It, Inc 

• Writewords Press 

• www.DeanAndjojo.Org 

• www.SaharDriver.com 

• X-Treme Pilates 

• Xun Biosphere Project 

• Xyfir, LLC 

• You Can Dance Co 

• You First Tech 

• Your Tech Writer 

• Z Road Show Mobile DJ service 

• ZAL Engineering 

•ZDA 

• Zoccolo Design 

• Zoidwerkes 

• Zoller Wine Consulting 

• A Deux 

• Aztlan Media 
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COLORADO 

• 13Stars Publishing 

• Abundant Solutions Counseling. 

• activinsite 

•Acusimple 

• Adistry 

• Adler Field Services 

• Adventures in the Wild 

• Aero Venus LipBalm 

• Affian Solutions, Inc. 

• Agile Tech Edit 

•AGSCLLC 

•AlmaOnda 

• Alpine Property Management 

• Alpine Public Affairs 

• Amber Andrews Enterprises 

• Anabadata LLC 

• Anjevine Ltd. Custom jewelry 

• Annemarie Prairie, PC, LLC 

• Another Bad Habit, LLC 

• Anthem Branding 

• Arborcides LLC 

• Armstrong Ink 

• Arthroventions, LLC 

• Articulations 

• Asay Consulting, LLC 

• Ashley Kidder Productions 

• Aspenleaf Studio 

• AstroKim 

• Atomocom LLC 

• Bahr Online Marketing, LLC 

• Basalt Chamber of Commerce 

• Beadles of Colorado 

• Bent Pickle Produce Co. 

• Best WWW Solutions 

• Better Energy Living, LLC 

• Big Red Running LLC, dba Runners Roost 

• Black Forest Photography 

• Black Metal Studio 

• Bluestem Studio, LLC 

• Boardwalk 

·Book Depot 

• Boulder Homeopathy 

• Boulder Neurofeedback 

• Break Trail Solutions, LLC 

• BtownBear Associates 

• C-excavation 

• Cadre Solutions LLC 

• care planning consultations 

• Carlson Design 

• Carol Pucak Real Estate 

• Carol Pucak Real Estate 

• Centennial Vapor 

• Center Management Group Lie 

• China Connection 

• Chris Mcleod Photography 

• Clairvoyant Wisdom 

• ClearBridge Compensation Group 

• Colorado Barrel Designs 

• Colorado Home Inspections 

• Colorado Piano Tuning 

• Colorado pool and spa care 

• Colorado Skin & Vein 

• ColoradoAttic Postcards 

• Computer Publishing Services 

• Connector Capital 

• Connexion Creative 

• Conundrum Technologies 

• Countermind, LLC 

• Creative Research Communications, LLC 

• CREED Connections 

• Croweye Designs 

• CyberKnight Industries 

• D. jason Productions 

• Dan Boyd Media Services Inc. 

• Darling Departed 

• David Milliken Architect LLC 

• Delta Enterprise Solutions LLC 

• Denver Counseling and Art Therapy 

• DenverBeta 

• Diamond's Hookah Lounge 

• Dice Candies 

• DocVue LLC 

• Dogs Colorado 

• Durango Glass Recycling 

• DZ Investments LLC 

• Eco-Cuisine, Inc. 

• El Armstrong, LLC 

• Eldon james 
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• Elvi Design 

• Elvi Design Group 

• Elvi Design Group 

• Emperiacolypse Limited 

• Enchanted Gardens 

·engineer 

• eSolutions 

• eSolutions Consulting LLC 

• Essential Touch Massage Therapy 

• Esthetics Council 

• Exovel Consulting 

• Feeding Dream 

• Feng Shui Digital 

• First Chakra Publishing 

• Flash Appointments 

• Flo's Fab Jewelry 

• Fort Morgan Furniture 

• Foxfire Industries LLC 

• Franklin Concrete LLC 

• Free West Rock Guides 

• FWRIIc 

•GAN 

• Genova Engineering, LLC 

• Gita Works, LLC 

• GLM Quality Research Consulting, LLC 

• Goodwin integrity 

• Goose And The Goat LLC 

• GPI 

• Grand Arts Council 

• Gray Property Mgt 

• Grey & Co, LLC 

• Grow Ltd 

• Handshakin.com 

• Happy Lucky's, LLC 

• Healing Touch by Jill 

• Health choice vending 

• Healthfully Independent 

• Heartfocus Counseling 

• Helix Camera 

• HF Ranch 

• High Charity Networks 

• High Energy Engineering Services LLC 

• High Range Piano 

• Home Sweet Home Watch 

• HR Cert Prep Pros, Inc. 

• HumaNature Architecture, LLC 

• Independent franchise owner 

• INTEGRATED HOME SYSTEMS 

• Intentionally Lost 

• lnterTran Energy Consulting 

• IPOXY Engineering, Inc. 

• IT Bliss, LLC 

• jerome Gilmer Productions, Inc. 

• jimmy Stewart's Promotions 

• KCompany 

• K. Taddonio consulting 

• Kaiju Systems 

• Kid Chefs Cooking School 

• Kingdom tobacco Lie 

• Kolacny Music 

• Krave Aesthetics 

• Larrabee Enterprises 

• Law Office of Anna L. Burr 

• Law office of David Gibans 

• Lawstudios I Richard Byron Peddie, PC 

• Leibig-shepherd lie 

• Lemurian Art 

• LightLouver LLC 

• LikeNewPCs 

• Line of the Spirit 

• Lucid Photo Art 

• Luminae SoundLabs 

• Macaroni Kid Douglas County 

• Mama?s Belly 

• Manmade Media LLC 

• Maple Street Builders, Inc. 

• Marx Interiors Lie 

• McCauley Family Farms 

• MedsChat.com 

• MetaLocator 

• Mexican Tile Designs 

• Mills Scientific inc 

• Mineral Sound 

• Minion Hydrologic 

• Mobile Citizen 

• Mobiltopia 

• Montrose Makerspace Inc 

• Mountain Springs BnB 

• Murphy Consulting 

• Mute City Music 

• Mute City Music, LLC 

• My Two Red Shoes 

• Nancy Zeilig Writing & Editing 

• Nanocomet Ltd. 
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• Natural Science Associates 

• Netsafe 

• New Awareness Therapy Services 

• Newman Appraisal Network 

• NLP & life Coaching 

• Noble Inc. 

• Norman Lane & Company, LLC 

• Northews Consulting 

• Nurse's Aide, LLC 

• 02Worldwide 

• Oberg Stables 

• OC Productions 

• Off-Road Concepts LLC 

• OneHealth Technologies Corporation 

• OpeniCT 

• Otherworldly Productions 

• Othrow Originals 

• Outlook UAS, LLC 

• PachaMama Massage & Yoga 

• PBS Computing 

• Pediatric Associates of Durango 

• Perennial design. Studio 

• Peterson Design 

• PFMCOL 

• Phantom Creek LLC 

• Philip Tobias Enterprises 

• Phoodio 

• Pictures & Players 

• Pixel laundry 

• Poco Loco 

• Poor Richard's 

• Poster It 

• Preferred Voiceover 

• Premier Point Properties 

• Premier Point Properties Inc. 

• Progressive Promotions Inc. 

• Pronghorn Wildlife Photography 

• Proud Business Systems, Inc 

• Psych Software Innovations 

• Pulse Of Prophets 

• quicloud lie 

• Rachel Brennan, LLC 

• Radiant Mind Yoga 

• Radiant Rhythms, Inc 

• Reaca Pearl LLC 

• Reborn Evolved 

• Red Mountain Healthcare 

• Rehava.com 

• Restorative Solutions, Inc. 

• Revisions by Jonathan 

• RNK Running and Walking 

• Rockettoonz 

• Round Machine Ltd. 

• Sage9 Enterprises Inc. 

• Sandys Natural Solutions 

• Scott Gordon (music) 

• Secret Compass 

• Secret Compass Inc. 

• Secure Solution Concepts Inc 

• Serenity Education & Therapy 

• Sidekicks & Licks 

• Simple Energy, Inc. 

• SKR Design LLC 

• Skullpture lie 

• Snider Sound Studio 

• Snowy Peak Systems, LLC 

• Solar Professional Services, LLC 

• Sole Proprietorship 

• Song of the Lark Farm 

• Sooner Enterprises, LLC 

• Soundluver 

• Specialized Video & NV Services 

• Spectrum Yoga 

• Stage Right Home Staging 

• Stanley consultants 

• Studio 4130 

• Studio Base Camp Durango 

• Stylish Sparrow 

• SuccessZone Coaching 

• Sushi Zanmai 

• SYNERGIZE CO 

·Teal Inc. 

• Techman Productions 

• Technologic Consulting 

• Tellicherry Trading Co. 

·Teska Consulting LLC 

• The Angry Snowboarder 

• The Body Healer 

• The Enchanted Biscuit 

• The Giving Child 

• The Hangar Bar 

• The Human Dimension 

·The Independence Center 

• The Nonverbal Voice Counseling 
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• The Out-of-Body Travel Foundation 

• The Patrick Law Firm LLC 

• The persistence of cats 

• The Possessed Hand of Lee Prescott 

• The4u2Piace 

• Thomas H Rossing, MD 

• Thommyknocker Kustom Products 

• Tina L. Eaton Freelance Writer 

• Tiredhouse BNB, Frost Busters Ground thaw 

• Tischer STudios 

• TKilgore Counseling LLC 

• Tracy Leigh Graphic Design LLC 

·True Passion Therapy 

• Tucker Foltz, LLC 

• Tune and Travel 

• UPP, Inc. 

• Vector Consulting 

• Venner Consulting 

• Verveine Designs 

• Vescent, LLC 

·Vibrant Health Options 

• Victorian Elegance 

• Virtuance 

• Watermark 

• Watts Enterprises 

• Weprin Properties 

• WILPF Boulder 

• Women's Health CAre 

• Zocalo Productions 
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CONNECTICUT 

• ACME lightning Rod 

• American Antiques and Collectibles 

• Athens Gourmet 

• Attorney Diane P. Buxo 

• B2B-eLINK 

• Bass Farm 

• Baumhauer Photo 

• Beautycounter 

• Blue Penguin Solutions LLC 

lnprovement 

• Ceremoonies of Heart 

• Craig Chessari Master Woodworker, LLC 

• Creation Station 

• Ding-it 

• DTAE 

• Dynage 

• Emerson Web Programming 

• ENVELOPE OUTLET 

• Expletive Studios 

• Gallery Musings 

• Garner's Rug & Upholstery Cleaning 

• Gateway Community College 

• Glass Cannons 

• Global Security Consultants, LLC 

• Grouchy Girl Studios 

• Guillemot Kayaks 

• H J Cohn-Haft MD 

• Hoodlum skateboard company 

• Horizon Software, Inc. 

• Ivy Bound Education LLC 

• J. Bentz Construction LLC 

• jeff Becker Photography 

• jeffrey Daniels Consulting 

• Kim Bova Photography 

• Lindsay Suter Architects 

• Lovetstudio 

• Loxley and Leaf 

• Lucky Dreams LLC 

• Lumi Agency, LLC 

• MacCoy Technology LLC 

• Magmaker Lie 

• Mark Smith Design 

• Markwriter.com 

• MC Systems 

• MG Creative Services LLC 

• Michael Fogg, LLC 

• Micro Dyne Technologies 

• Network Dynamics Associates LLC 

• NikhiiP 

• Noni Brueckner Photography 

• Norwalk 2.0 

• Panda home care 

• Patti Preiss Piano 

• Peter Zander & Co 

• QueenBeeEdit 

• Raising a powerful girl 

• Resource International Inc. 

• RitasCiosetForDolls 

• RZ Farming & Gardening 

• SeaFiowerStudio 

• Securamerica 

• Self-proprietership 

• Serenity Inspired Yoga 

• Simsbury Pet Sitters 

• sleeping giant hemp 

• Station Road Pottery 

• Sterling & Pewter Fine Goods 

• Strauss Consulting Services LLC 

• Swede's jewelers 

• TextSupport 

·The Body Waxing Studio, LLC 

• The Buzzed Coach 

• The Fundles 

• The Group Y 

·Three Sisters Nutrition 

• Toniq LLC 

• TOOLMARK STUDIO 

• Troupers light Opera 

• Trustworthy Tutelage 

• US Ascension Group 

• VisionRx 

• VMC Game Labs 

• Walker Woodworking 

·Wine Bazaar 

• Word Association 

• your story counseling 
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DISTRICT OF COLUMBIA 

• (Taiwan) Taipei Economic and Cultural 

Representative Office in the United States 

• A.L.B.O.E. Lie. 

• Academic Coaching DC LLC 

• Balestra Media 

• Big Planet Comics 

• Brian's Web Studio 

• British Embassy Washington 

• DCRCA 

• Embassy of the People's Republic of China 

• EsDesign 

• Ethos Strategic Consulting 

• F.Y.D. Entertaiment 

• Flow Yoga Center 

• free press 

• Greenworks 

• JEL Consulting 

• K.S. Brenowitz Illustrations 

•lo McDowell 

• Log Cabin Republicans 

• Mapbox 

• Realty Group Inc. 

• Rosint Labs 

• Sri Yoga 

• Stock Music Musician 

• The Society of Environmental journalists 

• The Wonderland ballroom 

• Threespot 

• Top Score Education 

• VK Vandaveer, PLLC 
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DELAWARE 

• Alexa Smythe Illustration 

• base.gg 

• Blazing Music Network LLC 

• Blue Moon Restaurant 

·COLLINS BUSINESS 

• Dennek 

• Guinn up Planning Servicee 

• Hughes Wood Service 

• Hughes Wood Service 

• lngenazure LLC 

• Karen Hart and Daughters 

• Made By Hand International Cooperative 

• pipefitter Local 782 

• Reclaimed Wood Interiors 

• Shiatsu Bodywork 

• Upstate arts 
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FLORIDA 

• 3 Cats Design 

• 4 Rivers BBQ 

• 4ward concepts 

• 5Six1 Audio and Security 

• A Better life trading LLC 

• A Bit Above, LLC 

• A Voice For Change 

• A+ Editing & Content Creation 

• Aaron Studio Enterprises 

• Aaron Studio Enterprises 

• Accents Away 

·Accounting by Stephany 

• ACIInvestment Corp. 

• Advanced Micro Services 

• Advanced Tachyon Technologies 

• AEOStudios 

• Alec R Allen son Inc 

• Alijam Music 

• Allegro Property Trading 

• Alpha Express Expedited 

• Alpha Male Productions 

• Alpha Proteins LTD. 

• Alvar1 Enterprises, LLC 

• Amanda yoga vedanta center 

• American Problem Solvers 

·American Yacht Institute 

• Antich Property Management 

• Arcon 

• Art of Gold 

·Artistic Ingenuity 

·Ashley's Looks 

·At Your Door Computer Services 

• Atlantic Institute, Inc. 

• available auto repairs corp 

• AVO Marketing LLC 

• B2B I.T. Solutions 

• Backpack and Gear 

• Baking Under the Influence 

• Ballistic Monkey 

• Barb's Place 

• Barnard & Associates Retirement Plan 

Specialists LLC 

• BeachyKeen Weddings 

• BeaCummins.com 

• Bethany Gano LLC 

• Bhadrayu J Trivedi 

• Bill Hennes Media 

• Bishop AutoGiass 

• Blue Sky Plumbing 

• Bnourished INC 

• Bonnaire Enterprises LLC 

• Bonnpon Enterprises 

• Botanica Design Studio 

• Brace Space Design 

• Bright Ideas Small Business Academy 

• Bright Ideas Small Business Solutions 

• Broker Resource Corp. Net 

• Bureau of Digital 

• Business Nature inc 

• Business Team Solutions 

• Byjilly 

• Cape Power Systems Consulting LLC 

• Capital City Tattoz 

• Carlos Echenique Photography 

• Carone Gallery 

• Carville Communication Consulting 

• Casino Glass & Mirror Inc. 

• Century Air Conditioning 

• Chris Schettino Medical Services 

• Christy Marie photography and design 

• Church of Our Savior MCC 

• Computerbility Software Trainers 

• Cornerstone Content, LLC 

• Cotton Wolf Company 

• Creative Computer Solutions 

• CSCTextiles.com 

• Curie Botanicals 

• Custer, LLC 

• Custom Dave 

• DAlTO LLC 

• Dana Gregory 

• Darkstar Entertainment 

• Dave's Design World 

• Dave's Gator Sales 

• Dead Parrot Software Inc. 

• Derek E Brown Real Estate 

• Dharma Hookah & Kava Lounge 

• Diane L Rechner, CLA 
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• Dibello Creative Concepts 

• Discount foods 

• Dividend Club International. Inc 

• DMCA PRO INC 

• dnd-diamonds not dimes 

• Donna La Flamme, Inc 

• Donna M La Flamme, Inc. 

• Dreams Come True Fursuits 

• E &j Fine Art, Inc. 

• Eagle Yachts 

• eamurphyco.com 

• Earthweare 

• Ecobyte 

• EcoHydrologix LLC 

• EcoSystems 

• Education Unlimited LLC 

• Edutuit 

• EHA Computing 

• Electronic Warehouse, Inc. 

• Ellem Ireland Inc 

• Embedded & Mobile Systems Inc. 

• EMS Entertainment 

• Emu Design and Consulting Inc. 

• Environmental Advancements Enterprises 

• Equity Design Collaborative 

• Experimac of Fort Myers 

• F D Telcom Inc. 

• FaSTITCH 

• Fastitch Embroidery 

• FestivalNet 

• Financial Dynamics 

• Fine Art Reproductions 

• Fisher & Blakeslee, Inc. 

• Five Cleaning 

• FKCC 

• Florida Sate Medical Repair Inc. 

• Florida School of Insurance 

• Florida Surgical Specialties 

• Florida West Gold, Inc. 

• Flowering Field Nursery 

• Flowt 

• Food Driven Strategies LLC 

• Frame Designs 

• Full Moon jewels 

• Futures Consulting 

• Gaiadigm Books 

• Gaiadigm Books 

• Garrin Evan Studios 

• Gateway Solutions 

• Gifted Testing 

• GIS Associates Inc. 

• Global PC Parts 

• GLS3C Systems 

• Goddess Rawkitty 

• Goodness Herbaceous 

·Gormley Group a Technologies 

• Gormley Group Technologirs 

• GotChosen 

• GP Graphics 

• Graces Whimsy 

• Grass Williams Enterprises Inc 

• Great Southern Airways 

• GREEN PLANET SOLAR SYSTEMS 

• Grow The Dream 

• Growing Grounds 

• GyanarthiBooks 

• Handy Mickey 

• Happy Goose Promotions inc. 

• Harpbiz 

• Hartley Brothers, Inc. 

• Harvester Realty, Inc. 

• Hatchworks Woodworking 

• Healthy Planet Enterprises 

• HLF Consulting Services, Inc. 

• Home Design 

• Hughley family Daycare home 

·ICT Group 

• Ideal Management Company 

• IN Focus Magazine.com 

• In Focus Production, Orlando Magic, Golf 

Channel. Walt Disney Company 

• Independent consultant 

• Infinite LNR 

• Integrated Consultants, Inc. 

• International Professors Project 

• lntuitiv Designs 

• ion Solutions Group, Inc. 

• IPVanish VPN 

• Island Skyy Living, LLC 

• J Allan Studios 

• jack Hardy Photography 

• jACK SOPHER EQUIPMENT SALES 

• jAS Solutions LLC 

• jazzSLAM 
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• JBL Asset Management 

• JJO ENTERPRISES LLC 

• johnxgin3colourisations 

• judith K. Marketing/Design 

• JW's IT Services, LLC 

• JWB of America 

• karkruff marine 

• Katma 

• Kauffman Home Improvement Inc 

• Kickstart logic lie 

• Koury wildlife Art 

• KPL Homebuyers 

• LaCroix Entertainment 

• Landtech Florida, Inc. 

• Law Offices of Megan D. Widmeyer. PA 

• Law Offices of Michael A. Shapiro 

• Leave it to Liam 

• legal Demonstrative Exhibits 

• Lightwave electrical contractors 

• Lil Boop Creations 

• Litersky Trust 

LLC 

• Loose Links 

• Lost Highway Studios 

• Lowry Parcade and Tavern 

• Luftwaffe Models 

• Malcohn Enterprises 

• Mana and Steel 

• Maquisard 

• Margaret Andem ARNP LCSW 

• Margaret Andem ARNP, LC 

• Margaret Andem ARNP, LCSW 

• Mary Veal Photography 

• Mcmullen and company 

• Meacham Enterprises 

• Meandering Stitcher 

• Metamorphic eCommerce 

• MHKentEnterprizes 

• Michael Miller, Ph.D, LLC 

• Michelle's Pet Sitting 

• Mimidolls.com 

• Mind and Media LLC 

• Mind Body Massage 

• Mindful Coding Solutions 

• Modern I.T. Group 

• Moxie Cheer Apparel 

• Mural Productions 

• MW Real Estate Group LLC 

• MySeeds Chia 

• MysticManasa 

• N! Satterfield Art 

• Nancy's Cakes 

• Nataliya PLLC 

• Natural Tastes Farms 

• Nautica 

• Never Snitch Records 

• New Quilter Lie. 

• Nutrishop 

• Odie & Zuli Accessories 

• Odin Engineering 

• Odyssey Expeditions 

• Odyssey Marketing Group 

• OMI M Group, LLC 

• Oneall Tech Guy LLC 

• Orange Taxi Cab LLC 

• Out To Launch - Digital Marketing 

• PAWA House of Florida Inc. 

• PAXy 

• PAXy 

• PCS Holdings LLC 

• Pelican Bay Vacations 

• Perfectore 

• PerFit 

• PerFit, Personal Fitness Center 

• Pet Watchers of Pinellas 

• Phil Thomas Katt Productions 

• Philosophical Soc 

• PHone PHriendly 

• Photography People 

• Phula 

• Physical Therapy Specialties, Inc 

• Pianounlimited 

• Pilates for Dressage 

• Pinellas County Schools 

• PinkBastard ArtShop 

• Postmortem Lingerie 

• Povia Paints 

• Powell Computer Services 

• Power and Prestige Visual Arts LLC 

• Pozytek LLC 

• PPC Consulting 

• Prairie Creek P. 0. A., Inc 

• Prestige Laser Studio 

• Projects Unlimited 
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• Quadrature Consultant 

• Quilt Designer LLC. 

• Quintessence Hair 

• Radio Grindrrhe Dirty Grind Independent 

Artist Community 

• Rafi Was Here Studios LLC 

• Ralph Zeblin Stained Glass 

• Ray Williamson Consulting 

• Raynor Technologies, LLC 

• RCW Associates 

• Red Sneakers Mobile Marketing 

• Redline Autosports 

• Reflex Publishing, Inc. 

• Refresh! By Katy 

• Reina Snyder 

• Reuster Media, Inc. 

• Rhonda's Country Craft's 

• Ricks Custom Painting 

• Riera Computer Consulting, Inc. 

• Rosan Custom jewelry 

• rrdesigns561.etsy.com 

• Russet Boho to Go 

• RYIT, LLC 

• SALUD y Bienestar LIFE 

• Sam Dobrow Photography 

• Sappho Chocolates 

• Sarah K Designs 

• Sarah's Business Solutions 

• Sarasota Insurance Services Inc 

• Sercos North America 

• SETIS 

• Sherwood florist Inc 

• Shop Destruya 

• Shorebreeze Enterprises 

• SIPTELLNET LLC 

• SkyMed, LLC 

• Sleep Metro 

·Sleepy Owl Knit and Crochet Designs 

• Soft Dental Grips 

• Solstice Naturals Lie 

• Sonic Night Music 

·Soul Essentials of Ocala 

• Speak with Lucy 

• Spirit Enterprises 

• splinter studios 

·Splinter Studios, LLC 

• Sport Clips Haircuts 

• SportsVisions 

• Staging Prestige LLC 

• Stainedglassandpens 

• Stalwart Financial Capital LLC 

• Stash 

• Sunsport Gardens, Inc. 

• Susanna Perkins 

• SW Florida Real Estate Services 

• Sweet Silhouette 

• Take One Video ltd Inc 

• tamargo inc. 

•TAPESOUTH 

• Taylor sales 

• TD Herbert Construction 

• Technical Solutions and Services 

• The Hippie Circle, LLC. 

• The Line Studios LLC 

• The Media Goddess 

• The Relationship Institute 

• The RHYTHM INLET 

• The Sustainable living Project 

·Thinking Systems 

• Thomas Adeimy Inc. 

• Three Funky Monkeys 

·Timber Line jewelry 

• Timothy Downing Inc. 

• Timothy Healy Photographer 

•TRADEX ltd 

• Transformational Health Group 

• TransVan Transportation 

• Tropical Cats, Inc. 

·True Tree Service 

• Ultimate Dive Travel 

• Ultimate Dive Travel, Ltd 

• Ultimate Dive Travel, Ltd. 

• Univ of Florida 

• Urban Select Realty 

• Van Dyk Projects, LLC 

• Vaughan Greene Pottery 

• Vaughan Greene Pottery and jewelry 

• Ventrux, LLC 

• Venture Boxes, LLC 

·Verdant Greens LLC 

• Veronica Moore, Broker 

• Virginia Miller Galleries 

• vmr products 

·VNYXINC 
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• Volz & Associates, Inc. 

• Web Design Kinetix 

• Web to Wealth Marketing 

• Well Built Bikes 

• Wendy Joffe Ph.D 

• West Volusia Properties Inc 

·White lioness Coaching, LLC 

• White Sands Realty 

• Whitesell Software, LLC 

• Williams & Holz, P.A. 

•Womaze 

• WoodRx 

• Write.as 

• WTRohe Architect 

• <;:elik creative 
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GEORGIA 

•ACKNV, LLC 

• AKF Athens Martial Arts 

• Amanda Rosario 

• Applied Psych Associates 

• Atlanta Yoga Shala, LLC 

• Big Peach Running Co. 

• Blue Lagoon Corporate Travel, Inc. 

• Bluehawk Cloud Solutions 

• Brown Geiger & Associates 

• Carsom And Associates, LLC 

• CAZ, LLC 

• Circa 1875 

• Clayton Consulting, Inc. 

• Combat Fitness At! 

• Computer Integrated Services, Inc. 

• Corki Feltman/Realtor-Facilitator 

• Creations N Design, LLC 

• Creative Computing 

• Daphinteresting 

• David B. Manley, Ill, PC 

• DHL Consulting 

• Dixie Hill Farm, LLC 

• DNA Corporate Finance Services LLC 

• Donald A Randall jr PhD PC 

• DP Marketing Services 

• Dr. Thomas A. Parker and Associates 

• Dressed In Blue Delivery 

• EagleSongs Ltd. 

• Eggli Group, LLC 

• Embodied Bliss 

• Envy Ivy Kloset 

• FineFolk LLC 

• Gearbox Solutions 

• Good Money Inti. 

• Graphic Ardt & Design, Inc 

• Graveyard Tracks, LLC 

• Haile Le Jolie 

• HandsOnWorks 

• hnr Productions 

• HQO Advertising, LLC 

• Human Interactive Design, llC 

• Hyden & Associates, P.C. 

• Image Architects 

• lndie IT LLC 

• Integrative Success 

• J-Sonic Music Inc. 

• JC Herman Agency 

• johnson Learning Center 

·journey within 

• Ken Fogel LMT 

• Kim Resnik Communications 

• KKB Enterprises 

• Legal Shield -IDShield 

• Legal Shield Associate 

• LIFTED PICTURES 

• Lisa's Emporium 

• LOG.IC 

• Makers Retail 

• Mango Digitai,LLC 

• Mary Hebblewhite, Ph.D. Clinical Psychologist 

• Monogram 

• Monticello yoga 

• Mr. 

• NearlyNativeNursery 

• New Era Sciences, LLC 

• Nigrelli Photography 

• One Man and A Brush 

• Partners II Pizza 

• Pendley Farms 

• Perrin Guest House 

• Pizza Farm 

• Progressive Voices LLC 

• Prewett Carpentry 

• RC Contracting 

• Redwine Productions LLC 

• Reel Chemistry 

• SangFroid Web, LLC 

• Serenity1 SociaiMedia 

• Singing Eagle Product ionsns 

• Sleep Cheep Mattress 

·Soft Focus 

• Steven B. Kushnick, P.E., Inc. 

• Stkkfigure 

• Synkyrian LLC 

• Tai Chi 4 LI.F.E. 

• Tailored Teaching, Inc. 

• Techno Knight, Lie. 

• The Copper Corgi Fiber Studio 
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• The Kersey Team 

• The Learning Groove 

• Tutanota 

• Tybee Television Network 

• Unicorn's Creations Studio 

• Victory designsv 

• Virtual Net 9 

• Weeks Consulting 

• Wescot Company 

• West Stride 

• William Gregory Construction 
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HAWAII 

• Akamai Maintenance • The Thread Artisan 

• Amazing Grace Weddings LLC • Training Solutions LLC 

• Arnie Kotler Editing Services • Vida Chic 

• Bamboo Living • WebGen Hawaii LLC 

• Bare Feet Studios LLC 

• Better Homes and Garden Realty Advantage 

• Brainwaves Kauai LLC 

• CJAM Enterprises, LL.C. 

• Classic Organic 

• Coconut Grove Music 

• Cosmic Arts 

• Dani's Catering 

• Dataron Instruments 

• Dream Nails 

• Energy Arts 

• Hale Hookah 

• Hamakua Coast Realty, Inc 

• Hawaii Computer Works 

• Hawaiiyogasurf 

• Haydn's Consulting 

• Healing Hands 

• Heart of Lanai 

• Heavenly Hana Weddings 

• isle of you naturally 

• jonathan Boyne 

• Kealaola Farm LLC 

• Lahaina Yacht club 

• Laseronix 

• LH-ART 

• Lions Gate Farms 

• Malama Pet & Home Care 

• Malasada's Books 

• Martel Art 

• Pacific Greetings 

• PC911, LLC 

• Proof Maui Photography 

• Remembering Life Stories 

• Selfe Service Records 

• Sew Me Hawaii 

• Shiatsu & Massage Center 

• Shiatsu & Massage Center, Waikiki 

• South Shore Chef 

• Steven Heller Architect LLC 

• Sunlines Hawaii 
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IOWA 

• ActWorthy 

•AFIIC 

• Ansel's Hot Sauce LLC 

• Armens Books 

• Beejay SAGE Fine Art Studio 

• Blue Apple Trends 

• BondingBox, LLC 

• Cafe Paradiso 

• Cleppe Construction lie 

·Computer Services, Inc. 

• CorkeyCreations 

• Crisp Solutions, LLC 

• Decadence 

• Des Moines Bicycle Collective 

• DM REPAIR LLC 

·Dodger 

• Dragon Media Services 

• Duo Horsemanship 

• Excellentjunk 

• Gain Compliance, Inc. 

• GG Photography 

• Gluten Free Country Gal LLC 

• Goatshark Enterprises, LLC 

• Hands Around the World 

• Harlan Candy Company 

• Helix Academy 

• Hive Mgmt, LLC 

• Holly Kukkonen Piano Studio 

• Incite Insight Arts 

• Indigo farms 

• Integral Pathways 

• Liana's Hats Etc 

• Lonnie Pinney Construction 

• Mel's Sweet Occasions 

• Miller Associates, Inc. 

• N.E.I.R.A, 

• Nature Kids 

• Noble Electronics Inc. 

• Pear Deck 

• photogrfx360 

• Pine Bluff Camp Sites LLC 

• Queen Anne Bed and Breakfast 

• R.j.H. & A. Ltd 

• Riverside Auto Spa 

• Rockitoutreach 

• Scott Law Firm 

• Sky Factory 

• Slingshot Architecture 

• Steadyrudder.com 

• The Red Hen Shop 

• The Sanskrit Library 

• Tiny Music 

·Twitchy Red Pen editing 

• Univ of Iowa 

·Vanward Statistics 

• Wittneben Surveying, Inc. 

• WorkHound 

• Young Vision Care 
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IDAHO 

• Adam Black Arts 

• Ad Fleet 

• All About Quallity LLC 

• Amourisa Press 

• Ani-Care Animal Shelter 

• Barry Dow 

• Beyond Wood 

• Botstack 

• CarhiiiKeepers 

• Chews On Belay LLC 

• clearwater Gastroenterology 

• Core Group Realty 

• CzechMex LLC 

• Emotional Freedom by Vicki 

• Enhance IT Sweden AB 

• FJT Construction 

• Flare Media LLC. 

• Forever LED 

• Forrest Design Group 

·Gloria Geleynse, M.Ed., LCPC 

• GrassRoots Landscape Designs 

• Greenman Hosting 

• Hackney Construction 

• House of Color 

• Idaho Yoga Co-op 

•IMC Ltd 

• Jack of all Trades 

• jeremy Fryberger Design, P. A. 

•KMA 

• Lake Reflections Stained Glass 

• LiveLongLiveWell 

• Lynne Campbell Photography 

• MakerPoint Studios of Sandpoint, Inc 

• Margery Friedlander Art 

• Marketing Your Science, LLC 

• Naturally Designed Smiles 

• NexMatrix Telecom 

• Nicola Holmes Life Coaching 

• North County Electric LLC 

• North End Studio 

• Northview Montessori School 

• NW Merry Books 

• Olive Street Hearth 

• Olson Tile Inc. 

• PDQ import repair 

• Pelican Canvas LLC 

• Rand V Farms 

• Sensory Sound Productions 

• Somnambulant Gamer 

• Sound Solutions 

• StoreStream LLC 

• Sunset Travel Inc. 

• Symbiotes 

• TheThreadGatherer 

Services 

• True North Tutoring 

• VanValkenburgh Law, PLLC 

• Vedrica Forest Gardens LLC 

• Vista Copywriting 
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ILLINOIS 

• A Copper Tree 

• Actimetrics 

• adlerclean 

• advantage billing service 

• after-words bookstore 

• AgencyPPC 

• AI Martin 

• Alchemy Arts Inc. 

• Alison Ink 

• Ameri Realty Inc. 

·American Kitchen Delights, Inc. 

• Angel Power, Inc. 

• Ani me and Things, LLC 

• APPLICITY.IO 

• APT TOOL INC. 

• Arrange Getaways 

·Art & Gems jewelers 

• Art-Efex 

• BertMenco 

• Beyond Properties Realty 

• Bloodshot Ltd. 

• Bloodshot Records 

• Blue Boat Studios 

• Blue Green Rainbow 

• Body & Spirit Massage Therapy 

• BSL Properties 

• Burnham Electric 

• C. Piecuch, Ltd 

• Career Advancement Services 

• Carolyn Packard Design 

• Casualty Recovery Group, Inc. 

• Center of Serenity 

• Central City Management 

• Charlotte Louise 

• Chicago Digital 

• Coach K's Strings 

• Colordance Design 

·Com-Cor 

• Coming Home Candles. Owner 

• Coming of Age 

• Communication Science, Inc. 

• CONSOLIDATED COMMUNICATIONS 

• Contemporist Dog 

• Cornerstone Solutions of Illinois 

• Costanzo Music World 

• CounseiEAR 

• Creative Therapeutics 

·esc Law, PC 

• Cuddles & Caring Pet/House Sitting, 

Professional Singer. 

• Current Works, Inc. 

• D&S Commodities 

• dance monkey productions 

• Darling, Inc. 

• Dave Margolis, LCPC 

• Delgany LLC 

• Distinctive Coaching 

• Divine Creative Synergy 

• DivisionOLT 

• Dragon Screed 

• DreamHighr 

• Economy Refrigeration Service 

• Economy Refrigeration Service 

• Effuse Candles 

• Et Ceterum, LLC 

• Evolve 

• ExampleWorks 

• Eye Love Nature 

• Eye Surgical Associates 

• Faith UCC 

• FitFizz 

• Flamingo Property 

• Fox Music Machine 

• Foxpath2 - Electronic Visualization 

• Freydesign Productions 

• G.Biando jewelers 

• Gabriel Consulting 

• GAVX Inc. 

• Gemini Properties 

• Gold Coast ffc 

• Goodie Professional Practices, Inc. 

• Graphixspot 

• Green Think Properties 

• Green's Handyman Service 

·Grim Reapings 

• Gruber Financial 

• Hamlin Properties LLC 

• Handwriting Analysis 
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• Healing Spring Acupuncture Center 

• Heartland Computers, Inc 

• Heartwoods Design 

• Hel's Kitchen Catering 

• Hels Kitchen Catering 

• Henniker Road Entertainment 

• Honey bee jewelry co 

• Huntington Group, Ltd. 

• Hyde Bark Dog Walking 

• Ideas, Ink. 

• Illinois eye center 

• Illinois Safe Schools Alliance 

• Influential Athletics 

•lnn8Media 

• lnterEdge Marketing 

• Into the Ether,LLC 

• j. S. Chapman, Author 

• jBiake Design 

·jessie Minor Style 

·jewelry Rocks 

Producer 

• joyful Spirits Consulting 

• jSChapman, Author 

• jump Cut Films 

• Kanani Music 

• Kokorokoko inc. 

• Kool Kamisetas 

• Lansky Career Consultants 

• Law Offfices of john A. Culver, Ltd. 

• Lemming Lacquer 

• LENZA CAPITAL MGT GROUP 

• Liddle's 

• Limina Advisors 

• Limitless-Adventures 

• Lisa Demos LCPC and associates 

• Little Bow Teenies 

• Making It 3D 

• Managed Technical Solutions 

• Manor Services, Inc 

• Marco Technical Documentation, Inc. 

• Mark Battrell Photography, Inc. 

• McAlpine Consulting for Growth 

• McConahey's Flowers 

• MCS Security 

• Meliora K, LLC 

• Melodies with Marilyn 

• MetaArc inc. 

• Metta Yoga: Mind-Body Education 

• Midwest Massage 

• Miller Consulting Services LTD 

• Mitch Williams Magic Productions 

• Momentum Consulting & Management 

Group, Inc. 

• Momo's Book Club 

• Momo's Book Club 

•MOVA 

• Moving Dock Theatre Company 

• MSTQ 

• Mobius Educational Design 

• Neilson Design Engineering & Consulting 

• Nelson music 

• Neuroscience Tools 

• Nicholas Bridgett, LCSW 

• Nico's Homestyle 

• NO-MIND FITNESS 

• Novo Management and Publicity Inc. 

• ObakeNeko Works 

• Orange Purple Passions 

• Orchid Energy Center 

• Orville W. Larsen & Associates Inc. 

• OtherPeoplesPixels 

Residency 

·Pacifica 

• Palm Properties 

• Paragram Productions 

• Patricia Browne Design 

• Peace Of Mind ... With A Little Help 

• Pellis Law Group, LLP 

• Ph.G. Tutoring 

• Phil's Sports Bar 

• Phoenix Clubwear 

• PMB Consulting 

• Polaris Trees 

• Powder Perfect 

• Prairie Artisans 

• Praxxis, Inc. 

• Progressive Healthcare 

• Qualified Pension Professionals, Inc. 

• Raptor Industries, Inc. 

• Reginetta Press 

• Relax The Back 

• Resonance Massage and Bodywork 

• Retro Claim Management, Inc 

• Rickey Brothers Inc. 
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• Rightpoint 

• Robert Grillo Creative, Inc. 

• Robert Poissant Films 

• Roberts Marionettes 

• Rosen Consulting 

• Running Central 

• Running Excels 

• safe and sound 

• Self Directed Healing Inc 

• SilverTech Website Design and SEO 

• Simply Hear 

• Sit & Ponder Productions 

• SLH Architects 

• Smokeball 

• Solar Temple Tapes 

• Souljourney Home 

• St. Charles Model Works, Incorporated 

• Steadfast Networks 

• StrawWarsUSA 

• Sukima Productions 

• Suspect Vehicle Publishing 

• Swift Education Systems, Inc. 

• Terri Weinstein Design, Inc. 

• The Birches Assisted Living 

• The Land Office 

·The Medicine Shoppe 

• Tim the Leather Tailor 

• tributek 

• University Of Illinois Urbana-Champaign 

• Venture Industries Online 

• veselasimic.com 

• Via Graphia, LLC 

• Vig Law, P.C. 

• Volunteer Expeditions 

• W Thomas Payne Photography 

• Walsh Natural Health 

• Wastedyouth 

• Westover Born PC 

·White Studios 

• xichuanpoetry.com 

• Xtreme Spirit 

• Ya Fitness 

• Ye Olde lnfocomme Shoppe 

·Your Harmonized Life 

• Zen Shiatsu Chicago 

• ZenSupport 
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INDIANA 

• Aaron Doan Productions 

• ABC Roofing 

·airwave 

• American Coating Systems 

• Biopsychosocial Well ness Partners 

• BJLBA 

• Bob's Woods 

• Body in Balance 

• Cappos 

• Carpe Bliss LLC 

• CFO Resources LLC 

• Cicada Cinema 

• Circle City Tours 

• CityPrintHouse.com 

• Clay Consultanting 

•CNS 

·Computer Technology Services 

• Convonomics 

• DaMusica Brass Quintet 

• Double A Concepts LLC 

• Drock's Games & More 

• Eal Law, LLC 

• Ely Social 

• Fistcrunch Media 

• FreightRover 

• GCA Accounting and Tax Services 

• Geospiza 

• Graly and Guido Law Office 

• Grey Larsen LLC 

• Heart to Home Realty, LLC 

• Imagine Priducts 

• Independent Cataloging and Consulting 

• INDIANA CLOTHING COMPANY 

• Indiana Lure Coursing Club 

• Indy Pillar LLC 

• Information Strategies Group 

• Interiors by Elaine Bold 

• J A Fields Pictures 

• jenna's Equipment 

• kay Rosen Fine Art 

• Keys Construction 

• Lawn Brawn Services LLC 

• Leeway graphics 

• Lift the Medium 

• Loving YL Essential Oils w/jan 

• Marc t. Nielsen Interiors 

• Marsella Kay Schrader, Ph. D. 

• Martinez, Sharmat & Associates 

• MB Allen, LLC 

• MCM Inventions, Inc. 

• Micro Designs Inc 

• Monica M DuBina, LCSW Child Therapist 

• MY BDSM SUPPLY 

·Pixel Swim 

• Rhetoric Studios 

• Ruby's eldervare 

• San co 

• Sigo Technology Services 

• Sky Blue Technologies 

• SMOTI Enterprises Inc. 

• Solid Ventures LLC 

• Spooked Productions 

·Springhill 

• SRIORT LLC 

·Studio 625 

• Studio Roberts (via Etsy) 

• Sustainable Events LLC 

• Sykophunk Productions 

• Syndeo Studios 

·Tamarack Stoneware 

• The Clearance Castle, LLC 

• The Dream Day Events 

·The Story Shop 

·The Swanky Fox 

• Trace Fashion 

• Vet Relief Svcs 

• Wireworks Electric 

• Wittwer photography 
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KANSAS 

• Accessibility Remodeling 

• Art Tannahill Ins 

• Boelte-Hall LLC 

• CedarCorner and Evergreen Farm 

• Citizens State Bank 

• CJMCD Scrubs Plus Caps 

• Computer Quandary 

Project 

• Dispute Resolution Services 

• Eaglecliff Incorporated 

• Everything Computers 

• Fent's Post Productions LLC 

• Four Lights Web Development 

• French Creek Landscaping, LLC 

• Fro Yo junction 

• grace flying service 

• GyldWynds 

• Hanson, jorns and Beverlin, LLC 

• Helen N. Yeomans 

• lntoVintageGiass 

•IWTechnologies Group 

• just Traffic Tickets 

• Kansas Benefits 

• Lawrence Kia 

• Little Monutain Ranch, Inc. 

• Little Stone Bird 

• LYLE I. VAN VLEET, EA 

• Lynn Benson Art 

• M B Lange Fine Arts 

• Manhattan Running Company 

• Manitou Properties 

• Meko Card Games 

• MightyFiea Multimedia 

• Next Gineration Cotton Gin 

• Nomad Bookkeeping 

• Papers to Petals 

• Patchwork Ponies 

• Pediatric Smiles 

• Pop Color Design 

• RGoods LLC 

• ROCKHOST.COM Inc. 

• SAMARITAN Assembly Inc 

• Simply Divine Homes 

• SMB Logic 

• Southwest Appraisal 

• T-ShirtFrenzy.com 

• Tech Interpreter LLC 

• Thenandnow10 

• Veach LLC 

• Wichita Pug Rescue 

• Wi11Rent4You 

• Wolf-EFX Entertainment 

• Yin Eyecare 
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KENTUCKY 

• Abbie jones Consulting 

• Best Choice Home Inspections 

• Blo Salon LLC 

• Bowling Green Photo Booth 

• Broadway Clay 

• Cat's Lawn Care 

• DLC Independent Investments LLC 

• Durham Kennels 

• FLEXISOFT 

• Hardin Electric Inc. 

• HarrietteSeilerLLC 

• Hatton Equipment by Margie Inc 

• Historic Midway Museum Store 

• Huckleberry Inn 

• Moose MarketingNaughn Farms 

• PS Brow Studio 

• Reliability Consultants, Inc. 

•SAC 

• Southville Spitters 

• Sutton Enterprises LLC 

• Sutton Enterprises, LLC 

•TDM, Ink 

• The Mane Attraction 

• Unite for Literacy 
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LOUISIANA 

• 4addyllc 

·Acrew 

• Airtight Industries 

• Alex's Bikes 

• Animal Care Unlimited 

• Ann's Corner 

• Antieau Gallery 

• Arbor House LLC 

• ARC Production and Entertainment 

• Archipelago and Beyond 

• Arita Designs 

• Armoire Boutique 

·Armoire Boutique 

• Artisans of Louisiana, LTD 

• AxoSIM 

• Beyer Holdings 

• Box Paper Scissor 

• Bywater NOLA 

• Campbells Network LLC 

• CONCURRENT PROCESSING INC 

• Craft Beer Cellar NOLA 

• Dapper Designs 

• Douglas). Wells. Sr. DBA Dx3 

• Dr. Suzanne Windham 

• DRC Health Care Group 

• DRC Healthcare Group Inc 

• Fairgrinds Coffee Shop 

• Feet First, Inc. 

• Fleur de Legal 

• Fly Ci reus Space 

• Frazee Recruiting Consultants, Inc. 

• Free to Be Power Yoga 

• French Truck LLC 

• Gerkens Bike Shop 

• Glitter Box N.O. 

• Gowland LLC 

• Grandma Tootsies Creole Pralines 

• Gravel Road Marketing 

• gutwrench press 

• Halpin's Flooring 

·Happy Days 

• Harvest Basket 

• Heartsleeve 

• Heather V's Cafe 

• Horse-Logos 

• Huber consulting 

• Imaginal Marketing Group 

• incHRement, LLC 

• inDEPTH Media 

• Info link USA, Inc. 

• Innovative Products & Services 

• lntuitiv Designs 

• J. Christopher Davison 

• jazz Avenue 

• jessica Hack Textile Restoration 

• joieful 

• Kara Leach Creative 

• Kosmic Dog LLC 

• L. Kevin Coleman, LLC 

• Lady Roxanna 

• Lahpet Kitchen 

• Launch Pad 

• Law Office of Donald S. Blum 

• Lemonade Creative Marketing, LLC 

• LIGHT //SOUND 

• Living Furniture 

• Logic Renaissance LLC 

• Lookfar 

·Magpie 

• Marchand's Interior 

• Marigny House Boutique 

• Masters Computer Consulting 

• Melting Pot Bar 

• Michalopoulos gallery 

• MindWorx Marketing 

• Mission Media LLC 

• Model Content 

• Morales Music 

• Nadeau Furniture 

• Nature's Health Shoppe 

• Neal Auction Company 

• New Orleans Secrets Tours 

• NO Fleas Market 

• Nomiya Ramen Restaurant 

• Odyssey Design 

• Otey White & Associates 

• Peel and Company 

• Petit Pet Care 
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• Phoenix Alternative Energy, Inc. 

• Price LeBlanc Toyota 

• PTI 

• RAM Computer Repair 

• SALT Leadership 

• Sarah Duet, LLC 

• Scandy 

• Schmelly's 

• Servato 

• Shalamar 

• Solariety 

• Solitario Fine Art 

• Sounds Traveling, LLC 

• Sozo, LLC 

• SSA Consultants 

• Stay Local! 

• Strategic Resumes 

• Studio Lorenz 

• Susco Solutions 

• Synthetic Aperture Global LLC 

• Tatro 

• The Baton Rouge Weekly Press 

• The Bead Shop 

• The Cajun Hatter 

·The Clarity Co 

• The Curtain Exchange 

·The Market at Magazine and 6th 

• Third Generation Signs 

• TONIA ASKINS INTERNATIONAL LLC 

• Tony Chachere's Creole Foods 

• Treasure Tattoo 

• Twelve Mile Limit 

• Vendevco 

• WMWayne Industries 

• Your Cyber IT LLC 

·Yours Or Mine 
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MASSACHUSETTS 

• A Place of Light 

• Advanced Auto, Inc. 

• AKAtova 

• Alfega LLC 

• Alive Again Therapies 

·American Heritage Homes 

• Ampion, Inc. 

·Ancient Coins for Education, Inc. 

• Ancient echos arts 

• Animals Are Sentient Beings, Inc. 

• Antrim Street Studio 

• Athon Web Designs 

• B Barrett jewelry 

• B&j Colllins Associates 

• Banyan Project Inc. 

• Barrett Paint Contractor 

• BigHit 

• Bluebill Advisors, Inc 

• bookkeeping services 

• boroughs counseling 

• Boston Chocolate Company 

• Boutique For Dolls 

• BPM Productions 

• Building Integrity 

• Call Andy! Macintosh Consulting 

• Calliope Paperie 

• Cameron Law Offices 

• Carl Heyerdahl Photography 

·Catalan Publishing 

• Catalyst Rx Consulting 

• Catherine Armer 

• Catherine Balletto LICSE 

• Center for Cultural Evolution 

• Chaos Bookery 

• ChiBStudio 

• Colored Spots Creative, LLC 

• Community Investment Associates 

• Computer Everything 

• Constance Leslie, LICSW 

• Constructionist Learning 

• Creative Solutions 

• Deb Bettencourt Photography 

• Defoxi Design 

• Diamond Cove Ltd 

• Digital Village 

• Diverse Learners Consulting 

• DockYard 

• Dr. K. Lea Morgan 

·Draco 

• DS-Toman & Associates Consulting, DIVA 

• Dusty Vines Traveling Vineyard 

• Eagle Eye Editorial Services 

• Eagleflight Enterprises 

• Earth Door Sky Door 

• Earthsign Studios, LLC 

• East Heaven Tub Co. 

• Eddie's Wheels 

• Edward L. Yeats, Ph.D. 

Freelancer 

• Eustis Chair 

• Everest Home health 

• Fastreturn 

• Fielding Gallery 

• Filament Group, Inc. 

• Final Touch Construction 

• FLowers by Emma 

• Formerly Gurvitch Lumber, retired 

• Full Scale Productions 

• Geekly, INC 

• GHMConsulting 

• Girlys grill 

• Goldeneye Systems, Inc. 

• Great Way Wellness Center 

• Grimpliductions Productions 

• Gryphon architects inc 

• HealingWorks 

• Her Wild Roots 

• Hoban Communications 

• Homey 

• Impact Hub Boston 

• Independent Nuskin Distributor 

• Indigo River Consulting 

• Interlocking Applications, LLC 

• Irving House at Harvard 

• Italian Stone Works 

• lyno Advisors Inc. & d/b/a Present Source 

·jack jr. Ventures 

• jan Weiss Consulting 
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·jason & Fischer 

• Jason & Fischer 

• JazzHR 

·Jeanne Cahill Ph.D. Environmental Scientist 

• julia Matthews, PhD, MD 

• Julia Michael Illustration 

• Jungle jim's 

• Kj.McCoy Financial, LLC 

• Kendrick Consulting International 

• Kinney Fund raising & Marketing Comms 

• Kis Engineering 

• Krazy Klean 

• Lagoon Ridge Realty 

• law Office of A. joseph Ross, J.D. 

• Law Office of Craig F. Anderson 

Entreprenuers 

• Learning by Doing 

• Lepore Fine Arts 

• Licensed Acupuncture 

• LJO Consulting LLC 

• Love and light Nourishing Foods LLC 

•Lumii 

• Macedonia 

• Machine Box Recordings LLC 

• MageMail 

• Manda Organic Farm 

• Marathon Sports 

• Marc J. Wrzesinski Photography 

• Mark W Weber, PhD, LICSW 

• MartyDee Remodeling 

• McKinnon. & Keese En 

• Michel Martin Builder 

• Midnight Revels 

• Milldam Square Condominium Association 

• Milltown Productions 

• Mixed Media Memoirs 

• Modern Mystery School Boston 

• morgan piano school 

• MortonArts.com 

• Mythlings 

• N.E. Branscombe Assoc. 

• Nahon Arias Investments 

• Naismith Memorial Basketball Hall of Fame 

• Nancy McEwen Studio 

• Neat-n-Green 

• NeatNest 

• netBiazr 

• netBiazr Inc. 

• Newman Studios 

• NIKSIM CONSULTING GROUP INC 

• NLG Architecture 

• 0 ROCK® Outerwear 

• Open Arms Healing 

• OrganizeTogether 

• Ouellette Consulting 

• Out of This Earth Pottery 

• paperdimensions 

• Partnership In Wellness 

• PCTeks + 

• Pehlke Design 

• Pelland Advertising 

• Pen & Anvil Press 

• Permaculture for Refugees 

• Phoenix Online Publishing 

• Pinnacle Painting Co./TKG Real Estate 

• Pro Tech Repair Services 

• Provincetown Art Association & 

• Psychotherapist. retired 

• Pure Haven 

• PVD Products, Inc 

• Re-Tunes Guitars 

• Reflexology for Health 

• Rhodes Web Development 

• River Street Gardens 

• Sailing Ship Adventures 

• Sarah B Stewart, Psy.D., PLLC 

• Seabird Studio 

• Shady Ladies Tours 

• Sharpoon International Ltd 

• Shelburne Falls Yoga 

• Shewstone Publishing LLC 

• Shine Your Light 

• Skull Splinter Komrave Consultants 

• Smokestack Roasters Llc 

• St. David's Nursery School 

• Stopped Down Studio 

• Sudbury String Studio 

• Sugarbush Farm 

• Svaha LLC 

• Taliloquay 

• TaskTrain 

• Technia Consulting 

·The Art of E 

• the Barnstable Restaurant and Tavern 
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• The Bower Studio 

• The BugSmith Pest Control 

• The Claddagh Pub and Restaurant 

• The Future is Like Pie 

• The Prefab Messiahs 

·The Singing Torah 

• Ticket# 1682620020002 

• Tigon Martial Arts 

• Tunefoolery Music, Inc. 

• United Stone and Site, Inc. 

• United Stone and Site, Inc. 

• Upside-Up Music 

• Voice Movement Therapy USA 

• WildRedRose Designs 

• Ye Olde Boston Chimney Sweep 

·Yellow Moon Press 
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MARYLAND 

• A Way with Words 

• AAA Foley Appraisals 

• Agnimurus Inc 

• ALIA Prod 

• ALS Systems Inc. 

• Alta Haus Industries 

• Amanda Schissler Fitness 

·Ambling brook farm 

• Americana Highways.org 

•AMORC 

• Animal Crackers Pet Grooming 

·Appraisal Office 

• Arielle Shugoll PsyD LLC 

• A vi Fox LLC 

• Barbara Cromer artisan jewelry 

• BellyBeBiessed 

• Bert's Vintage N Collectible Goodies 

• Brenbooks 

• Brian Roache Photography 

• Bureau engraving and printing 

• Capstone Productions 

• CharBrooksDesign 

• Cocklins Digital 

• Costello & Huddy, Chartered 

• Creating Healthy Connections 

• Creative Edge Consulting 

• CromerStudio 

• CrushDaniStream 

• Cryobiophysica, Inc. 

• CurlyRed Inc. 

• Darnell Digital Ink 

• Docksiders Gymnastics 

• Easy Entry Online LLC 

• EM Ryan 

• Emrys Enterprises inc 

• Endosys, LLC 

• Envolved Productions 

• First Web USA, LLC 

• Freq Sound 

•GDR 

• Gemini Design 

• HJL Holdings 

• HMS Promotions 

• House of Pop Culture 

• lmani Hair Salon 

• Inquisitive Carter 

• lntEn Corporation 

• iTutorSoft 

• iTutorSoft LLC 

• JAPEM CONSTRUCTION, INC 

• JLM Group 

• joAnna's Lamps 

• justine Koontz, Composer 

• Kendra Holt trio 

•l&A 

• Langelan & Associates 

• LeadGreen 

• light Street Press 

• Lip Messages, LLC 

• Locale Clothing Co. 

• Lunch Bag Greetings 

• Lynn Lewis, LCSW-C 

• Marianne Susaanti Follingstad 

• MissHeard Media 

• Mobile metal worx 

Psychologist 

• Molly Perkins Hauck, licensed Psychologist 

• Montgomery Pet Sitters 

• N J Clean LLC 

• National Great Blacks In Wax Museum 

• Northstar Management Holdings 

• Our Community Coupon Book 

• Paragon Machinery 

• Pat Parks Design 

• Paterson Environmental Holdings Inc 

• PEH Ortganics Recycling 

• Plenty of Yellow 

• Plymouth Road Architects 

• Powers-home Biz 

• Powers-homebiz-myshaklee.com 

• Priority One Pet 

• RB brand+design 

• Realco Guns 

• RLP Enterprises, Ltd 

• S&S Driving School, LLC 

• safety first electrical 

• Silver shoe products 

• Smacked Shop 
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• Sobelman Communications and Design 

• SolveiT Today 

• SPJ Consultants, Inc. 

• SS Howard Real Estate Services, LLC 

• Stress-Free Living Co. 

• T. C. Weber, Writer 

•TAJAMU 

• TCO Labs, Inc. 

• Techsyn Company 

• Terbium Labs 

• The Busy Beekeeper 

• The Farm House 

• The Mixing Bowl 

• The Nevermore Haunt 

• Tiny Village (TV} 

·Tiny Village Calvert Hills 

• Tonal Vision LLC 

• Touch of Class 

• Undaragroup 

• US Tax Liens &Deeds, LLC 

• Van Wely IT Services 

• Vanessa the Editor 

• Vape Social 

• Viral Storytelling Inc. 

• Western Run Adventures 

• Womanship International 

• Xtreme Websites 

• Xtrepid Design 

• Yapoma Bazaar 

• Yeti technology consulting inc 
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MAINE 

• 627 Consulting, LLC 

• A-Z Masonry LLC 

•Adwmaker 

• Aeons By Design/Storybox Broadcast 

• All Strung Out 

• Alternative Solutions 

• Baryonyx Knife Company, LLC 

• Beans Corner 

• Behavioral Health Resources of ME 

• Blue Barn, LLC 

• Carrie Montgomery LLC 

• ChasingTailsWorkshop 

• CIMPAC INC 

• CIO Main Street 

• Coastwalker Art Works 

• Couples Conference and Counseling Center 

• CSArt Maine 

• David Bennett Laing 

• DBA Elm Street Iron Works 

• Dean's Rental 

• Devaux Farms 

• Develop-One 

• Develop-One Inc 

• Dream Local Digital 

• Earthworks Plus LLC 

• Echo Lake Lodge & Cottages 

• Ecocor LLC. 

• Feline Friends Cat Care and Consulting 

• Firemarks Artware 

• Foreside Antiques, LLC 

• Foulmouthed Brewing 

• Freeport Wild Bird Supply 

• FryerFighter 

• Fryerfighter inc 

• Goodlux Media 

• Heartsinger Events 

• I Knead Serenity 

• In Depth Archaeology 

• Kennebec Therapeutics 

• King of the Road Music 

• Kingfisher River Guides 

• Little Mallard Crafts 

• Little Pictures of Maine 

• Mag. art. Oliver Lasch 

• Maine Home Photography 

• Many Paths to Healing, LLC 

• Mary Bottom Art 

• Mathes Chiropractic 

• MDI Imported Car Service 

• Mediation & Conflict Resolution Services 

• Motion House Road 

• Pandea Music 

• Perseverance Wild Blueberry Farm 

• Psychological Services 

• Quill Books & Beverage 

• Recycling Retro 

• Sacred Endings and Beginnings 

• Sam Bergman, MD 

• Sarah Mae Brown Consulting LLC 

• Scperrine Painting 

• Shalom Orchard Winery 

• sheridan photographics 

• Simply Solitude Ent. 

• Sisters soap 

• Skylandia Organic Farm 

• Slugworks 

• Small Business Owner 

• Snowbound Books 

• Solarwinds Northernlights 

• Square Mill Labs 

• Star Metal Works 

• Steven Biel Strategies 

Society 

• The Fourth Strike 

• The Framemakers 

• The Surgeon's Knots 

• Tropical Maine LLC 

• Tuckerbrook Conservation 

• Tye Newton Design 

• Victoria Dickinson Consulting 

• Wheeler's Camps LLC 

• Whitney Gill Ceramics 

• Windward Marine 
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MICHIGAN 

• 3 Mile Family Dentistry 

• 3 Mile Family Dentistry, PLLC 

• Access1 lie 

• Acoustical & Thermal Services 

• Advancing Movement 

• Align Massage Therapy 

• AMP jewelry 

• Ann Arbor Running Company 

·Annie's jewelry 

• Anthony Fuoco Assessing Consumtants 

• Apex Repair Service 

• Arbor Writing Company 

• Ardis inc 

• Ars Mentis LLC 

• Astral Products 

• Ben Russell carpentry 

• Ben Russell Construction 

• Blue Chip Tech Group 

• Brass Key Productions 

• Brittany Moon 

• Browns towing & recovery 

• Bruns Leadership Consulting 

• Burke Music Enterprises 

• Cardinal and Fig 

• CaucusCare 

• Clean Breezes 

• Closet & Room Solutions 

• Clothing Matters 

• Colin Winchell's Art Crawlspace 

• Colorado Gators 

• Commercial Exchange 

• COMPONENT SOLUTIONS 

• Connect Servers 

• Cornershop Creative 

·Cross Fire 

• Dancing Mac Graphics 

• Dark Muse Designs 

• Data Dyne Technologies 

• DataHash LLC 

• Day to Day Fresh Frozen Foods, LLC 

• Diabolus in Muska 

• Diane j. Wechter, Attorney At Law 

• DigitaiSea 

• DL Landscapes LLC 

• Dragon Bay Gifts 

• DWSales 

• Edward Allen law 

• Elements PC and electronics 

• Enerdyne 

• Enerdyne Inc. 

• Entropy Development 

• Excalibur Publications 

• Exsquizzit Entertainment 

• EZ Associates Inc. 

•FWD 

• G and K Party store 

• G.T. Labs LLC 

• Gaming Technologies 

• Get Connected Solutions, LLC 

• Good Tickle Brain 

• Grenadier Properties 

• Gripz Gym 

• Guerrilla Food 

• H. Davis Associates 

• Harris Design, LLC 

• HEARTWOOD SERVICES 

• Hour Transportation Management, Inc 

• lnfoGeographics, Inc 

• Invites Dot Tiff 

• ISM CONTROLS INC. 

• lsmarus Publishing 

• j-Arts, LLC 

• jackpine Savage Guide Service 

• jBA Services LLC 

• jean Knowlton Transcription 

• jims Old Toys & Hobbies 

• JPPorter Real Estate 

• KanarLLC 

• Kaprisoft 

• KenBosDotCom 

• KG Rentals 

• Kolak Counseling 

• Kristin Marie Smith Tutoring 

• Larkin Legal Services, PC 

• Lett Direct, Inc. 

• Lewis Okun, PhD 

• Linda Bruton Law, PLLC 

• Loupe 
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• MWCinc 

• M2DesignsCo 

• Mak'n It Here 

• Malnati & Associates LLC 

• Many moons of jen 

• mark g gerios counseling services 

• Mark G. Gerios Counseling Services 

• Mark T.O'Brien, D.O., P.C 

• Marshall Pool Supplies 

• Marvin Shaouni, LLC 

• McNeilly Photography Studio 

• Meonto 

• Michigan Adventure 

• Mid-Michigan Neurofeedback 

• Mikan Corporation 

• Milson Hypnotherapy Services 

• Mother Goose and More 

• MTC Enterprises 

• Muddy Girl Pottery 

• National Realty Centers 

• Neko-Chan Trading Company 

• Niemann Inspections, LLC 

• North Pine Studio 

• Nurseryman.Com 

• Past Perfect 

• Peaceful Garden Massage Therapy 

• Peggy johnson Studio of Music 

• Perfect cut Landscaping 

• Pj's Used Records 

• Platinum Fox Creative 

• Professional Book Proofreading 

• QS Sytems, Inc. 

• Rabbit Web Design 

• Rapid Coating Solutions 

• Rarefied Air LLC 

• Renee Guthrie Design 

• Residential Reconditioning, LLC 

• Restaurant Services of Michigan 

• Richard Han, DDS 

• Robert Ponte. Attorney at Law 

• Roos Roast 

• RPB 

• Ryskamp Realty 

• SB Video Productions 

• Sfumato Fragrances 

• Shepherds Staff Counseling 

• Simply Toias Custom Creations 

• Small Business Owner 

• Snipz Family Hair Care 

• Sorella's Custom Cakes 

• Staffcheck LLC 

• StevenDStanton 

• StiiiPine LLC 

• Stoneburner Video Production, LLC 

• Street Corner Music 

• Swiftyhoin 

• tagsandcode, lie 

• Techprolific 

• The Barre Code Grand Rapids 

• The Bloomsmith 

• The Cittern Society 

• The Gum Giant 

• The Moyer Group 

• The Snug Group, LLC 

• The Studio 

• The Wave Solutions 

• Thomas Design 

• Three Mountains Wellness, LLC 

• Three Roods Farm 

• Thunder Bunny Labs LLC 

• Title*2132West Properties. LLC 

• Traxx Mobility Systems LLC 

• U.S. jack Company 

• VisionSeeds LLC 

• WasteWater Education 501(c)3 

• WEBSTERWORKS, INC. 

·West River 

• White Feather Studio 

• WHS TOOL & DIE CONSULTING 

• Widetrack Productions 

• Workshop Publishing 

• YaroTech 

• Yolk Baking Company 

• Zen 24 hour fitness center lie 
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MINNESOTA 

• 18th Century Masterpiece Furniture 

• Affordamac 

• Agile Frameworks 

• Aglaia Consulting, LLP 

• AJ Moonlighting 

• Alzheimer's Poetry Project MN 

• Anita C Hill, Realtor 

• Arc's Value Village 

• Artifix Home Repairs 

• Assessment Systems Corporation 

• Aw Technology 

• Bargain Upholstery 

• Benelife 

Realty 

• Beyond Communications 

• Blacklist beer 

• Boathouse Bags 

• Body Wisdom 

• Canopus Wood & Weave Works 

• Cat Lewis Studios 

• Cat's Pajamas Bookkeeping 

• Central Lakes Ad. Distributors, LLC 

• ChaCeremony.com 

• Chapter 2 Books 

• Christian Marriage Ministries 

• Circuit Acupuncture 

• Collective Fruitions 

• Collective Fruitions, LLC 

• CONTEMPL8 T-SHIRTS LLC 

• Creative Intervention LLP 

• Creative Intervention, LLP 

• Cummins & Cummins, LLP 

• Curly Creative Communications 

• Cycle Path & Paddle 

• Dago Enterprises 

• Dark Aardvark LLC 

• Demonskunk Studios 

• Depot Studios 

• Disability Rep Services 

• Downtown Dogs- Daycare and Boarding 

• Dutton Brown Design LLC 

• E.D. Engineering, Inc. 

• Edit-n-Fix Editing Services 

• Enokz Games 

• ExcelsiorNet 

• Factor of 4, LLC 

• FastBridge Learning 

• FischerFriends lie 

• Focused remodeling 

• Freelance Design Business 

• GeeksWeb 

• Gene Swanson 

• geoffrey saign 

• Golden Insurance Agency, LLC. 

• Grapefruit Moon Gallery 

• Gurutzpe Machine Tools 

• Haram Restoration, Inc. 

• idyllic photography 

• Integrative Psychological Services, P.A. 

• lnTheTropics Network LLC 

·james R. Boyle + Associates 

• Jamie Mitchell Consulting, Inc. 

·jerry Blume MA,LICSW 

• JKA Architect 

• JMCB Agency 

• JML Technologies, Inc. 

• john K Abbott, Architect 

• junket: Tossed & Found 

• Karensnorthernmnart 

• Kat Corrigan Fine Art 

• Kelliher Thrift & Gift 

• Kempercussion 

• Kick-It! Training LLC 

• Kidizen 

• KiraKu Press 

• Knowledge Transfer Consulting Services, Inc 

• Kunz Real Estate 

• Leanne Meier Coaching 

• Lillians Music Store 

• Living Stone Concrete 

• Living Stone Concrete Design 

• Lynn's Consulting 

• m.zoro Consulting LLC 

• macMonkey Digital Studios 

• Majikatek LLC 

• Majikatek LLC 

• Massage for Balance MN 

• mcathcart, LLC 
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• McNabb property investments, LLC 

• Mike Barfknect repair 

• Mill City Running 

• na 

• Nakota Floral & Gifts 

• Natural Vibes jewelry 

• Navegate 

• NELSON CRAFTS 

• Northwoods Embroidery 

• Paajanen Fused Glass 

• PAIKKA 

• Paul DeVetter 

• Paul DeVetter ebay Sales 

• Peter J. Sieger Architectural Photography 

• Phoenix Process Consultants 

• Phoenix Process Consultqants 

• Pro Custom Builders 

• pro musica press 

• Protagonist 

• PSSTechnology, LLC 

• Queen of Swords Press 

• Randall Smith Law Office 

• Readings by Tammy 

• Robinson Rubber Products Co., Inc. 

• Rosebush Communications Inc. 

• Rune's Furniture 

• Sandstone Area Golf Course LLC 

• Sandwich. Net, LLC 

• Seriously Fun Marketing Group 

• Small Business Owner 

• SMCPinc 

• SML Appraisals, Inc. 

• Soccer Source 

• SP Farrell Engineering 

• Space Mace 

• Spangle Creek Labs 

• Spit+ Image 

• SRIORT LLC 

• St. Croix Data Management 

• Structural Harmony 

• Studio Kitt 

• Tesmar Technologies 

• The Five Sister's 

• The Museum of Russian Art 

• Tony Garry Music 

·Transcend Technologies 

• tumbleroot STUDIO 

• Utter Ladyness 

• Valley Printing 

• VoxPacis International Development 

• Wayne and Layne, LLC 

• Weber Engineering 

• Weber Engineering Associates, Inc. 

• Wee Move LLC 

• Williams & Williams, inc. 

• Williams & Williams, Inc. 

• Winsor Associates LLC 

• Your Agent Sarah 

• Zac's Barbershop 
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MISSOURI 

• 1st Line of Defense 

• 3bookers, LLC 

• A Growing Place Inc. 

• Acorn Books 

• Acumen Consulting 

• AH! Designs 

• AJ Harbison Music 

• Anya Overmann LLC 

• Asgard Heavy Industries 

• Ask Cann 

• Astral Secrets 

• Bad Babe Press 

• Ballew Saw and Tool 

• Bee Naturals 

• Black Wood USA 

• Blue Nail, LLC 

• Blue Symphony 

• Blue Water Beach Villas 

• BrokenBiadeK038 

• Brooks Digital Media LLC 

• Chorical 

• Clay-Platte Montessori School 

• Climate Social, LLC 

• Cornel & Williams Publishing 

• Country Folks Enterprises LLC dba 

Cottonwoods RV Park 

• Creative pathways to wholeness, LLC 

• Della Kinsolving Benham, LCSW 

• Divine K9 LLC 

• Dogfish Dimensional Concepts 

• Dory Colbert Design LLC 

·DRS 

• DRT Machining Inc 

• DSc, Inc. 

• Erik Weaver Photographer 

• Erika The Coach 

• Ethereal Dynamics Co. 

• Expressions A Salon 

• Financial Planning Associates, Inc. 

• Finleyriverdoodles 

• For Love of the Horse 

• From The Heart Books 

• FSI Software Inc 

• Gala Phoenix LLC 

• GLass 

• Harris Enterprises 

• Harris Home Service 

• Haute Wanda 

• Healthcare Integrations, LLC 

• HJK Rentals, LLC 

• I Like It! Design 

• lntegris Ventures 

• james H Webb, D. O.,LLC 

·joe's Tire Shop Inc 

• joelle's Flute Studio 

·joy of Youth 

• Katie's Basement 

• KC Social Innovation Center 

• Kerith Brook Family Counseling 

• Kikdoubt inc. 

• KLA & Company, L.L.C. 

• Kretmar, Beatty, Sandza & Gregory 

• Linda Green-Metzler, Artist LLC 

• Liquid Technology Inc 

• Live What You Love, LLC 

• LoZ Tech Support 

• Margean Kastner, MSW, AGPA 

• Mat's Machinations 

• Michele & Associates 

• Miller Chiropractic 

• Moore Tech Services 

• Nasteff & Quinn, LLC 

• Natassia Lopez Photography 

• Natural Family Living, LLC 

• Nifty Music 

• OneNet 

• Outline Education 

• Outside-In Home Staging, LLC 

• Pauseplayrepeat 

• Penrose Uptown 

• Pico Systems 

• Red Barn Signs & Art 

• Richard G. Simon Financial Advisor 

• Rick Tamblyn 

• ronhubble.com 

• Runaround Running & Lifestyle Co. 

• Salus Advisory Group LLC 

• Serafin 
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• Shelley Fritz Healing 

• Sport Concepts 

• St. joseph Museum 

• Steven Groce, Attorney 

• Subculture Enterprises, LLC 

• Subteranean Magic 

• Sweet Charm Marketplace 

• The Leap Creative 

• The Running Well Store 

• The Venice Cafe 

• Think A Little Bigger 

• Townley Services 

• Transitions Counseling Services 

• Tree Wizard, Inc. 

• Valence Massage 

•Wag 

• Watkins Advertising Design 

·Weathering Solutions 

• Westport Logistics, LLC 

• WHITNEYMANNEY 

• Wines by jennifer® 

• WomenSpirit and Abiding Spirit Vestments 

• ZEWA Design 
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MISSISSIPPI 

• Academy Street Studio, LLC 

• Cicayda 

• Discovery Integrative Healthcare Centers 

• Hood Enterprises 

• Mantle. LLC 

• Nrg enterprises He 

• Quest for Freedom, LLC 

• Sonic Drive In 

• Stables Downtown Grill 

• World of Customs LLC 
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MONTANA 

• 1 045 River House, LLC 

• Amber Waves VR, Inc. 

• Beyond the Deep End Productions 

• Big Amp Media, LLC 

• Bloks Design 

• Blue Eagle Woman, LLC 

• Cory Kenney Construction 

• Design to Print 

• Design to Print 

• Eagle Home Inspection 

• Eben Coffee Cltv. 

• Flying Popcorn Ranch 

• Foggy Mountain Skin Care 

• Frontier Adjusters of Billings, Montana 

• Jim Parker consulting 

• Lauren dillon photography 

• MEDICINE BOW MOTORS, INC 

• Montana Wood Art 

• Mssrbooks 

• Netsyms Technologies 

• Nordic Group International 

• Price Properties 

• Progressive Coders Network 

• Push Train Live Fitness LLC 

• Pyramid Power Products 

·Quality Painting 

• Rock Climb Montana 

• Snow Bear Chalets 

• Spinning Cogs, Inc. 

• Stageline Pizza 

• TaigaBridge 

• The oodcarver 

• TLC Tile Designs 

• Vega Creations 

• Volectar 

• Wild West Wools 

• Willow Wolf Contracting 
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NORTH CAROLINA 

• AN Geeks LLC 

• Acacia Obstetrics & Gynecology, PA 

• Advance Physical Therapy 

·Advance Physical Therapy 

·Ahoy LLC 

• Air Masters's Inc. 

• AK Tenny Freelance Writer 

·Alpha & Omega Accounting 

• Altamont Professional Services 

• Alycat Photo & Video Services 

• Amy Pfaffman jewelry 

• Analytical Instrumentation Services, Inc. 

• Appazur Solutions LLC 

• Arcdyn, Inc. 

• Ascent Running Coaching LLC 

·Asheville biodynamic craniosacral therapy 

• Beauty Beholder's Eye 

• Belle Nicho Winery 

• Benji Burrell LLC 

• BeverlyHillsLandscape Design 

• BeverlyHillsLandscapeDesign 

• Blue Advertising 

• Blue Fission LLC 

• Brenda's Healing and Teaching 

• Brian D. Westrom, Attorney at Law 

• Bubba's Boutique 

• Bullington Designs 

• Caveman Films Inc. 

• Cedar Cottage 

•CFDI 

• Changemaker studios 

• Charlotte Running Company 

• Chi living 

• Chiliving, Inc. 

• choco geo 

• Claiborne Consulting LLC 

• Common Ground 

• Communication Mark 

• Comprehensive Training Solutions 

• Creative Thought Center 

• Cummings Family Partners 

• CY Design Studio 

• D&H Clinical Consulting LLC 

• Daisy& Fox 

• Dale Buxton Fine Carpentry LLC 

• Daniel13 Press 

• Darcee Ruble Counseling 

• Dawn Meyer Homes 

• Daycrest services 

• Deborah Squier Fine Art 

• Delta Force Security 

• Divinity Engaged 

• Douloi Group Ltd. 

• Dream Closets Asheville 

• EB Underdown & Company 

• Eco Express 

• EDC Sound Services 

• Electromagnetic Radiation Recorders 

• Elements Healing Arts Center 

• ENC Media Works 

• Event Marketing Services, Inc. 

• Faithstitch 

• Fine Art Frames LLC 

• Forward Moving Logistics, L.L.C 

• Full Moon Farm, Inc. 

• Functional Fitness 

• Gary Schmoock Construction 

• Ghost Pipe Studio 

• Gowan Communications Group 

• GPP LLC 

• Greenhouse Cary LLC 

• GreyOakWM 

• Harvest Moon Women's Health 

• Healing Connections 

• Heath Sledge Writing and Editing 

• Heavy-Vinyl.com 

• Hickory Nut Reality 

• I Am Sound, LLC 

• Island Marine Inc. 

• It's Very Clear Productions, LLC 

• jasper Lee Studio 

Wheels 

• jena Leigh LLC 

• jeux Art 

• Keith Isaacs Photo LLC 

• Kunz & Kunz 

• Lakeland Services 

• Lakeside Pet Sitting, LLC 
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• Last Abyss LLC 

incorporated) 

• LaurieKaiserDesigns 

• Macronware 

• Manage Operations 

• Martin House Properties, LLC 

• McMahon Film Consultancy 

• Michelle Boling Designs 

Development 

• Moody painting 

• Moss Veterinary Referrals 

• Moss Veterinary Referrals 

• Mount Ulla gardens 

• Multimmersive 

• No Fuilt Fitness 

• One Small Stone 

• OutSourcedResults 

• Pediatric Physical Therapy, Inc 

• Pendergast Industries 

• Plan B2 

• Play 'N Learn 

• PLC Repair 

• PowerDance Technique 

• Private Piano Lessons 

• Pucks and Recreation 

• Quilt N Code 

• Resumes and Raises 

• Revelry and heart 

• Rightland Farm 

• Ross and Witmer 

• Roush Video Production 

• RugsnRelics 

• Ruth & Daniel, LLC 

• Sacred Healing Circles for Women 

• Seacoast Security 

• Seasource, inc 

• Seltzer Goods 

• Shawver Automotive Inc. 

• Smarts Gear 

• Sojourner Communications, Inc. 

• Soul Guided Coaching, LLC 

• Spoon Trucking 

• STCMarkets 

• Still Hill Gardens 

• Super Electro 

• Telegraph Road Properties, LLC 

• The Asbuilt Company 

• The Groove Productions 

• Thompson Designs 

• TNTBS Media Inc. 

• Tokimeki Translate 

• Townley 

• Trailsong Studio 

·Triad Mac 

• Trimount Communications 

• unicornlightworks 

• United Real Estate Asheville 

• Ursa Minor LLC 

• W1AEL Laboratory 

• When You're Away 

·When You're Away Pet/House Sitting 

• While You're Away 

• Wilcox Real Estate Group 

• Wild Heart Herb Farm 

• William Kastern OD, PhD 

•Wood Works 

• www.ruthsewingroom.com 

• Zowie Muse and Productions 

• Zowie Music and Productions 
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NORTH DAKOTA 

• A1 Improvements 

• Atypical Brewery & Barrelworks 

• Counseling and Therapy Services 

• Dan's home goods 

• Simply Made Apps 
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NEBRASKA 

• AlbrechtGFX 

• All tech 1 

·Arthritis Center if NE 

·Arthritis Center of Nebraska 

• Burden Sales Co 

• Catholic Art &jewelry 

• Computer Health Clinic 

• Deane's Auto Body 

• Forever Media 

• Highlands Academy 

·Jamie's Child Care 

• LK Studios 

•MC2M 

• 0. K. Paver Inc 

• Ohlmann Building Center 

• Postal Packers 

• Prairie Winds Kennels 

• RobinsonAbraham Inc. 

• Rocking Horse Inn 

• Seim johnson LLP 

·Your Tech Therapist 
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NEW HAMPSHIRE 

• Abbott Brook Chalets 

• Agile Life LLC 

• All Duct Out 

• Anderson Interiors 

• Aspen Scientific Design, Inc. 

·Avon Independent Representative 

• Barbara A. Bryce, Psy.D. 

• Beech leaf Design 

• Bilbine Wood Crafts 

• Blue Fox Studios 

• C A Apartments 

• Chisel and Gouge Design 

• Field and Stream RV Park 

• Grouchy Girl Studios 

• GROUCHY Gorl studios 

• Groundwater Resources Inti. 

• Harmonize yoga 

• Health Alert Communications 

• Independent Avon Representative 

• Interstellar lmagehouse 

• Kroka Expeditions 

• Laura Campbell Landscape Design 

• Leo Moon Studio 

• LJL Associates 

• Local Technologies 

• Mascenic Regional High School {retired) 

• Mascoma Lake Therapeutic Massage 

• New Stream LLC 

• Old Ways Traditions 

• Pappathan Insurance Agency Inc 

• Partners for Excellence 

• Patricia Ladd Carega Gallery 

• PCKC Information Systems, LLC 

• Personal Nerd, LLC. 

• Rad Wednesday Labs 

• Rav Bennett Photography 

• Ring of Fire Ventures, LLC 

• Russell Brady Consulting 

• Rye Therapeutic Massage 

• Slick's Hot Dogs 

• Smith & Vansant Architects PC 

• Teresa McCue Fine Art 

• The Siwa Group 

• ThinkPenguin, inc 

• usc lgbt resource center 

• What's Next Professional Coaching 
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NEWlERSEY 

• AchyAcresFarm 

•ACM Excel 

• Active Pollinators 

• Admiral Resort Inc 

• AlanMGross Consulting 

• allhallowsday 

• Alliance Emergency Services 

• Always Ready For Every Rover 

• Amato PI LLC 

• Anathema Studio 

• Andrew W. Ludy, Patent Agent 

·Art Fete 

• ART SLIDESHOWS 

• Atlantis Techs 

• B&K Business Group 

• Back-Office-Business Solutions, Inc 

• BackerKit 

• Bass Family Chiropractic, PC 

• Being Fit Corp 

• BLF Consulting 

• Blue Violet Floral & Garde 

• BlueCap Web Design & Development 

• BMT Marine Services Inc. 

• Boutique Realty 

• Briteage Consulting 

• Buddtown Farms 

• Bunburyist Editorial Services 

• Bus For Progress 

• Byrnes O'Ahern & Heugle 

• Cape Power Equipment, Inc 

• CardPius 

• Cargille-Sacher Laboratories, Inc 

• Carly'z Craze 

• CAS 

• Celestium 

• Cerulean Stimuli 

• CMC Health Coaching LLC 

• CMC Health Coaching, LLC 

• Compass Rose Consulting, LLC 

• Complete teacher Academy 

• Complete Teacher Academy 

• Computers and networks 

• Cottontails Children's Consignment 

• Cowerks 

• David Easton Music LLC 

• Daydream Excursions 

• DB Custom Designs 

• DeveloperAiex 

• Dr Mole Computing 

• Dr. joanne Grossi 

• DroidHackers, LLC 

• E&S Food 

• Ed Rada Trucking 

• Elisa joy Designs 

• enRICHment enterprises 

• Espresso Printing 

• FIBERALL HOLDINGS, INC. 

• FIDIM Interactive, LLC 

• Final STAR, Graphics & Signs 

• Fire Design of New jersey 

• Funshine Fitness 

• G.R.E.G. INC. 

• George Smith Enterprises 

• Gillick Clan 

• Grand Family Planning LLC 

• Gregory La Vardera Architect 

• Hayat Gul 

• HeartPath Acupuncture 

• Hontu Treasures LLC 

• House of Blooms 

• Humanext LLC 

• IES Educational Consulting, LLC 

• igene designs 

• Infinity Eye Center 

• lnopak Ltd. 

• jA Autowerks LLC 

• JDK Group, LLC 

·jennifer's Fiber Designs 

• jeron Software Services, Inc. 

• jesse Marinoff Reyes Design 

·John M Monchak Architect 

• K&C Candy 

• Keystone Software Corp. 

• Kissing Bandit Productions 

• Knitapestry 

• L&G Ventures, LLC 

• LamiDesign 

• Lara Maurine Donahue, LLC 
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• Laundry Warehouse 

• Lavender Duo, LLC 

• Law Offices of Kevin Crawford Orr 

• LAXMEDIA 

• Lazoo Entertainment 

• Lemont Groupdm 

• Ubiquity 

• Life Insurance 

• Lightpath 

• linda Rossin Studios 

Coaching 

• Loddg 

• Manes & Tails Org 

• Mavi Design 

• Media Educators Association 

• Metamorphic 

• MGH Creative LLC 

• Mi Ramos rosas sl 

• Midnight Auto Inc 

• Modern Bujutsu 

• MomlifeTV 

• Moorestown Theater Company 

• My Personal Geek, LLC 

• Needle and Thread LLC 

• Neustudio 

• Next Stage Recovery 

• niyara, inc. 

• Nomadic Works 

• OdeonMax Music 

• Omega Communications Company 

• Oni Kenkon Creations 

• PDB Consulting LLC 

• Peter Zilahy lngerman, PhD 

• Peter O'Hara Photography 

• presents of mind 

• Purseonal Accessories 

• RepairSmith 

• Robert Edwin Studio, LLC 

• School Psychologist 

• Seigel Construction Management, Inc. 

• SG23 Design, LLC 

• Shakti Yoga & living arts 

• Shawns 

• Signature barber lounge 

• Singles Bon Vivant 

• Ski Dreams 

• skipnyc lie 

• SLP 

• Solid State Alarms, Inc. 

• Spectra 

• St. Germaine Therapeutic Massage 

• STONEMAR 

• Surf with Nicole LLC 

• T&F transportation 

• TAGQComic.com 

• Telemitra Inc 

• Thai Yoga Art 

• The Bentley Inn 

• The Computer Guru 

·The Gore 4 

·The joy of jewelry 

• The Law Office of Eugene Gorrin, LLC 

• The loving Groomer LLC 

• the madd potters' studio 

• The Party Authority 

•The Wei 

• The Wei LLC 

• The World's Empire, LLC. 

• thesongfactory.com 

• Thomas 0. Manning, P.E. 

• Too Fast Apparel LLC 

• Tour Team Travel, LLC 

• Tracey M Hess, LPC 

·Turned Treasures 

• Undreland Media Group 

• Uptown Photography 

• Vagni Notarizations 

·Waltzer Berry Dental Associates 

• Wish Studios 

• World Traveler Vacations 

• Zodiac Comics 
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NEW MEXICO 

• ABQ Real Estate 

• Alexander technique Center of Albuquerque 

• Apollo Vendibg 

• Arachne's Web, LLC 

• Avokado Artists 

•Axiom 

• Bennett Books 

• Beyond Coping 

• Beyond Envisioning LlC 

• Body Wisdom Therapeutic Massage 

• Carter Beckett Rolf Therapy 

• CGH technologies 

• Chandra Holsten Ltd. 

• Constructors Inc. 

• Crayon Comics 

• Crones Eye Collective 

• Dal Paso Animal Hospital 

• DE Medicina Therapeutic Massage 

• Deborah Reade Design, LLC 

• Dry River Productions 

• Earth Provides 

• East Mountain Editing Svs 

• Eda Gordon 

• Effectiveness-Plus Publications LlC 

• Environmental Dynamics, Inc 

• Evening Sun 

• Expertiva Computing, Inc. 

• Fcharlesdesign 

• Flathead Graphix 

• Get Framed Inc. 

• Gila Tree Thinners 

• Gopa & Ted2, Inc 

• Health Essentials LlC 

• hellerdesign 

• Hot Springs Frame & Art Supply 

• Insight Hypnotherapy, lLC 

• lntellimetrix 

• jessamity 

• JP Enterprises 

• juniper Moon Realty, LLC 

• Karen Milstein PHD 

• Kiki Love Productions 

• Kuan Yin Acupuncture 

• leonard Helman Bridge Center 

• letitia Bunge, lie 

• Llano & Westgate Self Storage 

• Mama's Minerals, Inc 

• Marx contemporary 

• Matthews Rentals 

• Mayfair Books 

• McCollough Consults 

• Melissa Epple Natural Therapeutic Specialist 

• Mindshare labs, Inc 

• Moto Authority 

• Mountain, Stream & Trail Adventures, llC 

• Mowad Motors 

• Murlock Flutes 

• Orenda Healing International 

• Ortega Watercolors 

• Paradigm & Company 

• Paragon Learning Group, LLC 

• Parasol Productions 

• Patmont Pottery 

• Pearce Consulting 

• PeiUS 

• Peradam Design 

• Project Urban Greenhouse 

• R/T ENTERPRISES 

• Rachel Donner Ceramics 

• ReadyWebService.com 

• Rebecca Harmon Walding 

• Rising Sun Press Works 

• Robert Fischoff IT Consulting 

• Santa Facials 

·Santa Fe 

• Scott Randolph Art 

• Scroggs Bookkeeping 

• Serna's Enterprises 

• Seventh direction earthenware lie 

• Shine and Shine 

• Solutions! 

• Starvault lLC 

• Street Safe New Mexico 

• Success in the City 

• Talbot Gardens 

·Taos True Tours 

• Tatiana Maria Gallery 

• Telenn Ar Menez- Mountain Harp 
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• Terry's Home Cleaning 

• the stevens family, lie 

• The Vagabond Tabby 

• Whole Woman Inc. 

• Wild Notions 

• Wild Resiliency Institute 

• Windmill Inc 

• WorkingMacs 
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NEVADA 

• Allie Salas Fitness 

• Ann Nichols and Company 

• ARSintel, LLC 

• Big Ed's alley inn 

·Bike Smut 

• Bill Wilkis Seminars 

• Camarillo Technology Associates 

• CHRISTEL VETTER 

• Cirrus Aviation Services 

• Concepts In Design 

• D3 Edison lie 

• David Adler Design 

• David Adler Design 

• Deckade 

• Exceptional Integrations 

• GolfCalc 

• Gossamer Computer Services 

• Hancock and Hancock 

• Handsome AF 

• j.C. Transportation, Inc. 

• J.E. Esposito Seeping 

• Kristinlmages 

• Laura Hale Consulting 

• Madpalm lie 

• MINDCUE LLC 

• Mink Biological 

• MsSquaw 

• My Dharma Store 

• Not just Graphics 

• Private Internet Access 

• RenotahoeCounseling 

• Restaurants Reimagined 

• RRF/MUM 

• Safedoggy Pet Sitting Servive 

·Safety Compliance Advisors 

• Serephitic Embroidery 

• SethAimightyArt 

• Shoen berger & Shoen berger Inc. 

• Spark of Reiki 

• Stone Mountain turquoise company 

• Stonecastle Ranch LLC 

• The Nevada Auto Connection 

• Tile Styles 

• Underground Events 

• VortexVixen Ltd 

• Waggin' Tails 

• Winter Art 

• workliferesources 

• Zephyr Stories 
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NEW YORK 

• 10blue 

• 120 Tinker St., LLC 

• 24K Green 

• 260 Montauk Mgt. 

• 30 Park Rocks 

• 328 HB LLC 

• 490 west end 

• A Book Apart 

• A Class Act NY 

·Abacus Productions, Inc. 

• ABI Computers, Inc. 

·Ackerman Fox, LLP 

• Acme Soundworks Inc 

• Acroterion 

• ADAMJK LLC 

• ADCOMPHOTO 

• Adirondack Fire Equipment 

• Aether Bird 

• Aga associates 

• Akhnaton Films 

• AI Capone's Used Furniture,lnc. 

• Alfandre Architecture, PC 

• Alice Christy Voice/Speech & Acting 

• Alintrad Company 

• All Things Digital 

·AIIeyWatch 

• Alt Systems, Inc. 

• Alternative Marketing Masters 

• Amcrete Products, Inc. 

• American Globe Theatre 

• American IT Solution 

• Americoups. 

• andys cycle shop inc 

• Ani me Castle 

• Apasatude 

•Applemon 

• APT DESIGNS 

• ARA Consulting 

• ardenkirkland.com 

• Armand LeGardeur Architect 

• Armand LeGardeur Architect LLC 

• Art21 

• Artek Pictures, LLC 

• Artfully Written 

• Arthur Heiserman, Ph.D 

• Arthur Lew, M.D. 

• Artvale inc 

• Ashley-Conner Realty 

• Atlantic Computer Group, Inc. 

• ATLANTIC STATES LEGAL FOUNDATION, INC. 

• Audio Transformations LLC 

·Audio Visibles 

• AuntNiNi's Corner 

• AUTOFOTO EXPRESS INC. 

• AZS Properties 

• B-lnspired Mama 

• Barbara Phillips Consulting 

• Basile Ent. Inc. 

• BDBCreative 

• BeanCounters Unlimited 

• Bear Design Company LLC 

• Bear Meadow 

• Bear Meadow Folk Instruments 

• Beata 

• becket inc 

Nursing 

• Better Speech Now, LLC 

• Beyer LLC 

• Bianca's Flower Arrangements 

• Big Apple Websites 

• BioHive Tech 

• BK Digital 

• Blazing Pixels 

• Bloom Multimedia, LLC 

• Bluespark Photography 

• BMU Labs 

• Bob Barlow Enterprises 

• Body+Mind 

• Bombay Duck Pickle Cafe 

• Bommesbude 

• Bonnie Slotnick Cookbooks 

• bonnieanderson.com 

• BQ Farms Inc 

• Bra*Tenders, Inc 

• Brewing News Group 

• Brian persico 

• Brighton Podiatry 

• Broken Clocks Publishing 
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• Brooklyn Poets 

• Buddy Software LLC 

• BUTCH'S AUTOMOTIVE SERVICE, INC. 

• C. F. Communications 

• Canal Forge 

• CANVAS News, Inc. 

• Carol Wheeler 

• Casually Askew 

• Cat Chief 

• Catalysta 

• Chain of Deeds Abstracts, L.LC. 

• Chelsey Steinman Design 

• Cherie Zucker inc 

• Citipartners. LLC 

• Civica USA Inc 

• Clair maison 

• ClampArt 

• CMO Sync 

• COBRA Firing Systems 

• Codetree 

• Colin's PA Services 

• Collectively 

• comix4u 

• Connexus Controls, LLC 

• Contract Web Development 

• Cooper Family Chiropractic 

• CosmiComp Services 

• Courtney's Cleaning 

• Cousinz Carpet and Flooring lie 

• Cream of the Crop lie 

• Creative Collaborations 

• Cripplebush Valley Farm 

• Crossroads Gift Shop 

• Crystal Lumiere 

• CSEAjudiciary 

• CSherwoodleather 

•CUNY 

• CutEdgeGems 

• CUTLAN lie 

• CyberCede Corporation 

• D PArt, LLC 

• D-Studios 

• DAFFI FOODS 

• DAFFI Foods 

• Daily Dog Tag 

• Dance Projects, Inc./Beth Soli & Company 

• Dangerous Music Inc 

• DangerTV 

• Darkreach Communications 

• DART Technologies, Inc. 

• Darwin Properties 

• Demon for Details Editing 

• DESIGNZBYERICA THE MELANIE COLLECTION 

• Dialects Now 

• Diastole Furniture and Gifts 

• Diradha 

• Diva Design Inc. 

• Dix Hills Animal Hospital 

·Donkey inc 

• Doorport 

• Downtown Yarns 

• DP Consulting Services Inc 

• Dr Pauline L Kuyler,MD 

• Dr. 

• Dr. William L. Sharfman 

• Drago Design & Development 

• DSA Fine Arts ltd. 

• Dynamic Web Enterprises 

• East Castle Realty 

• East Village Vintage Collective 

• Eave 

• Ecology Designs Inc. 

• EdTechLens2, LLC 

• eKamria 

• Elaine Derby Photography 

• Elanje Enterprises, inc. 

• Elise Tak 

• Ember Engineering 

• Emcee Artist Management 

• Energy Advantage 

• Enertiv 

• Envelope 

• Environ Safety Corp 

• EPro Systems 

• Eric A. Wessman, Photographer, LLC 

• Eric's Fuel Service 

• EvaEva Music, Inc. 

Films 

• EXEK Recruiters, Ltd. 

• Exit9 Gift Emporium 

• FamilyArtisanShop 

• FaustEffects Design 

• Faye Ellman Photography 

• Fiddleheads Ltd 
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• Fin montauk 

• Finger Lakes Environmental 

• Fino Consulting 

• Five Star Computer Care 

• Fixup 

• FlickerLab LLC 

• FosterArchitecture 

• FounderTherapy 

• Fred Harper Illustration Inc. 

• freshdigitalgroup.com 

• Fusion lab, inc 

• Future Forward Partners 

• Gatherer's Gourmet Granola 

• Gayler/Graphix 

• Genda Video 

·giggle designs 

• Gina Marie Music Studio 

• Ginger Donohue, LCSW-R 

• GoChime 

• God's Way Foundation, Inc. 

• GODDESS BEAUTY LLC 

• Gojo Clan Productions 

• Golden Organics 

• GratefulGemHead 

• GreatPositive 

• Greenguy Marketing Inc 

• Grohwell 

• Gutter Pop Comics 

• H4X Industries, LLC 

• Haffner Consulting 

• Hampton Pet Chef 

• HaNativ, LLC 

• Harvest Home Farmer's Markets 

• Harwick Architectural Hardware Co, LLC 

• Healthy Bytes 

• Heart Circle Consulting 

• HeartAndSoul Matters 

• Heatley Electronics 

• Hector Cusumano Plumbing & Heating 

• Help Desk Wizards 

• Henderson Wholesale Lamps 

• HG Editing 

• Hilltop builders 

•hOM 

• Houstalgia, Inc 

• Howling Dog Studios, Inc. 

• Hristo Ganchev 

• Hudson Business Solutions 

• Hudson Valley Computers 

• Humanity With A Twist 

• Huntington Learning Center 

• Idea Yard, LLC 

• Image-Quality Measurement Company 

• Incitement 

• Inside First Aid 

• Inside First Aid 

• INSIGHT MANAGEMENT DEVELOPMENT 

• Inspiration Wall 

• Iris Arce Psychotherapy 

• Iris MediaWorks 

• Iterate 

•lTG 

• j Barham 

• j Bliss Studios 

• Jacob Murphy Photography 

• james L. Davis & Associates 

• janusonic Music 

·jasmine America Inc., 

• jay Cardinal Consultants 

·jay LeRoy art & design 

• jB Goss & Company 

·jeanette Berry And The Soul Nerds 

• jedi Knight Computers 

• jennifer A. Fendya, Ph.D. 

• jennifer Vorbach LLC 

• jetty 

• jim DiMunno 

• jj's Pies 

• johannGPro,LL.C 

• john & Wendy 

• john Back Photograhy 

• joma Music Group Inc. 

·jonathan Slaff & Associates 

·joseph Sanders Agency ltd 

• journey To Success, LLC 

• jS Consulting 

• jSenko Productions, LLC 

• judy Lasko's Dance Classes 

• juniper Therapeutic Massage 

• K-Sue Productions, Inc 

• Kalmus Digital Engineering 

• Kangnam 

• Karlsen Enterprises 

• KatesCardCompany 
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• Katherine O'Sullivan 

• Katie and Rosie 

• KCS Computer 

• Key Therapy 

• Kids at Work 

• Kids Dance Sport Lie 

• Kiss-Marks 

• KMH Associates, Inc. 

• Krulik Cultural Consulting Services 

• Laughing Squid 

·Laurie Wilson, Ph.D. 

• Law Office of Brett M. Schatz PC 

• Law Office Of Ean Matthews 

• Law Office of Elissa D. Hecker 

• Law Office of Peter L. Herb 

• Law Office of Suzanne Myron 

• Law Offices of Marcy j. Gordon 

• law Offices of Michael W. Goldstein 

• Law Offices of Noel L. Silverman 

• Lee Alexander & Co. 

• Lee Clayton Design 

• Leo F. Kearns Inc. 

• lewis c taishoff attorney at law 

• LGBT Faith leaders of African Descent 

• Licensed Home Inspections 

• Lifestage, Inc 

• Lilly Pad 

• Linda Martin Design 

• Linespeed Events 

• Linqed Incorporated 

• Lion Technology Solutions 

• Little Folk's 

• Live American English 

• Long Pond Cabins 

• Loop&Tie 

• lou jacobson phd, licensed Psychologist 

• LoveS 

• lowitt Alarms 

• LPART 

• lucille BarishLCSW 

• Lucky 7 Business Developers 

• Luminary Lynn 

• Lunch Hour Productions 

• Lwrncbrn, lie 

• Lyfeblood 

• M E Wilkenfeld Co Inc 

• MAAS Telecom Corp. 

• Macktez 

• Mado Inc. 

• Magick & Macabre Co. 

• Marca Studio 

• married in the forest 

• Marty Heitner Photography 

• MCBecker 

• McBooks Press 

• McCormick Internet Consultants, Inc. 

• mckibillo 

• McMillan Consulting LlC 

• MediaCombo 

• Meet The Michaels 

·Mehling 

• Melt Massage & Bodywork 

• MeowCharms 

• Messy Bed Studio 

• Metal box Mining LLC 

• Metro Academic Prep 

• MetroButler 

• Michael Meskers Inc. 

• Michael Morrison, LCSW 

• michael morrison, lcsw & ora yeminimorrison, lcsw 

• Microcell Strategies Inc 

• Microcell Strategies, Inc. 

• micromold 

• Mind-Site Inc. 

• Mohawk Nanotechnology, LLC 

• moldDb LLC 

• mostcool.net 

• Mother Line Story Project Inc. 

• Mottier Enterprises 

• Mount Kisco Foot Specialists 

• Mount Kisco Foot Specialists, PLLC 

• Move This World 

• Mu Mu Muesli 

• n/a 

• Namaste Yoga Saratoga 

• NAMI Huntington 

• Nancy De Tine Marketing Communications 

• NedAiex 

• Neil Donnelly Studio 

• NEM Audio. Inc. 

• New City Video 

• New Life Technologies 

• NFW Custom Coaching NYC 
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• Nick Noble Works, LLC 

• Nickel City Studios 

• Noelle Damon, LCSWR 

• NOIRFLUX 

• Nutmeg Education 

• NY Textile Conservation 

• NYHomestudy.com 

•Ogilvy 

• OK Tech Partners 

• Only by Lisa jewelry 

• Open Your Eyes Bedding 

• Optifusion lie 

• Ore Punk, LLC 

• Otherwild 

• Otherwise Pictures LLC 

• Out of the Box Entertainment 

• Owl Energy technologies 

• Palante Technology Cooperative 

·Parlor 

• Parrillo Painting 

• Past Present Pix 

• Pastime Legends Video Games 

• Pauljenner, CPA 

• PC Doc on Wheels 

• Perfect Water 

• Perry Harris Plumbing & Heating 

• Perry Harris Plumbing and Heating 

• Pia Car Limo 

• PlaceBridge 

• Pleasant! Lake Inn 

• Plusworks, LLC 

• PMHNP, LLC 

• Positively Dog Street 

• Prepare for greatness 

• Pride Automotive 

• Pristine Painting 

• Private Computing 

• Project Motherhood 

• Pulse Ensemble Theatre 

• PumpkinSL 

• Random Accessories 

• Raving Violet 

• Raymond lrrera +Associates Architects, P.C. 

• Rays World LLC 

• Ready-to-Run Software, Inc. 

·Red Rachel 

• Redwood Property Group 

• Relay 

• Right Way Home Inspection Services LLC 

• Rising Tide Assets, LLC 

• RJF Marketing 

• rjf marketing 

• RMesh Associates, LLC 

• Robin Eden Photography 

• RPSystems, Ltd. 

• RT-software 

• Rude Ink. 

• Rune Works Productions 

• Rune Works Productions Ltd. 

• Ryan Clover Designs 

• Ryan M Reich Photography 

• Rye Dental Associates 

• S.j.York Productions 

• Safebox Data 

• SAGA Content 

• SallyStormon, Artist 

• Sanguine Theatre Company 

• Saratoga Bagpiping 

• Sargent Web Services 

• Saunders Editorial Services 

• Sayville Running Co. 

•SBC 

• Seja Moda lie 

• Sharfman & Co 

• Silver Sound 

• Silverman studios, Inc. 

• Software Engineering Associates 

• Solo Salon Suite, LLC 

• Southern Tier Library System 

• Spratters &jayne Sustainable Knits 

LLP 

• Stacklist 

• Starlight Starbright Music 

• Starshine Travel, Inc. 

• Station Hill Press 

• Stefani Gosselink 

• Stella's Diner 

• Stephanie Golden Writing & Editorial Services 

Copywriting 

• Steven Scharf Entertainment 

• Stoller System, LLC 

• Strategies for Development, Inc. 

• STUART NY CORP 

• subseven 
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• Suffolk County Archaeological Assn. 

• Summer Road, LLC 

• Susan Pelosi, LCSW 

• SWP Artists LLC 

·Sybil R.Schwartzbach,LMT 

• Synergy Hypnosis Services 

• Synthesis Lip 

• Tamora Pierce, LLC 

• Tapeandcdrecords 

• Tararific Touch 

·Tawil & Team 

·Tech Bridge International 

•TECHSPA 

• Telescope Audio 

·Terrapin Assoc 

·Testa Communications 

• TextileArtist.org 

• TextileArtist.org 

·The Baroness 

• The Barrisons 

• The Bodenner COllection 

• The Brooklyn Bookman 

• The emporium Ltd 

• The Financial Revolutionist 

• The Golden Dustman 

• The Integrated Center, LLC 

• The Learning Maestros 

·The Line Up 

• The Memory Project Productions, Inc 

• The Orchards of Concklin 

• The Plaid Horse 

• The Purple Shark 

• The Quality Writer 

• The Ripe Tomato 

• The Soul Committee 

• The Waldo Tribune 

• The Wildflower Bed & Breakfast 

• The Witty Gritty Paper Co. 

• Thelnfluence.net 

• Things To Look At Studio 

• ToonlnTalk 

• TransAtlantic Translations I The Reiki Well 

• Travis Drennen Studios, Inc 

• Tricky Notebooks 

• Tuned-In Web Design 

• Turnstil 

• Two White Ravens 

• Tylsavlatarco 

• Ultra Lacrosse 

• Universal Tooling Corporation 

• Val de Tara Art 

• Valley Motorsports 

• View Imaging 

• Virginia Donohue, LCSW-R 

• Visual Sounds Entertainment 

• Vitamin Digital Media LLC 

• vivian Oconnor 

• Vokashi, Inc. 

• W.H. Carusso's Entertainment 

• Wake Up and Eat LLC 

• Wakefield Productions Inc 

• Walter Wickiser Gallery 

• Wearhouse 

•Well Spent 

•Wendy gold 

• Williams Fence of CNY 

• Wingbot Inc 

• Wire Monkey 

• WolfGang LLC 

•Women2.0 

• woodcrafts by vinny 

• Word Up Productions 

• Wordcrafter 

• Workforce1 

•WorkOf 

• Worleygig.com 

• WTKoch GCP QA Consulting 

• You Don't Have To Be Sick To Get Better 

• Yummy Heart Productions 

• Zen Infinity 

• Zero Stress Technology 
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OHIO 

• 2nd Coat Painting Co-op 

• Aase Sales 

• Abbey Road Self Storage 

• Acupuncture Ohio 

•AG Care 

• Ahner Commercial 

• Andproductions lie 

• AR.GI.BI. Creative Studio 

• Argenine LLC 

• Aronetics 

• Ashe Art 

• Athens Electric LLC 

• Audrey Tessar LMT LLC 

• Bala Blue Paintings 

• Beth N. Rosen, Ph.D. 

• BETTER HEARING CARE INC 

• Better Hearing Care, Inc 

• Better Hearing Care, Inc. 

• Big Fish Local 

• Bud Runyon 

• Burmeister Realty Ltd. 

• Cambridge Technical Services 

• Canfield auto repair service 

• Captive Image 

• Caritas Counseling, LLC 

• Cellular Level. Inc. 

• Celmark Development Group, Inc 

• Chagrin Valley Soap & Salve 

• Chief Screen Printing, LLC 

• ChmCreative 

•CMI 

• Colonial Candy 

• Compressed Air Music 

• Conder Company 

• Contented Design 

• Cousin & Kid 

• Cypherlox 

• DebikiAB 

• Debra Ticktin, self employed 

• Decimation Design 

• Depop 

• Dr. Stephen McConnell 

• Dr. Trudy Bond 

• Dr.Rooter 

• EduTech Consulting Services LLC 

• Emerie Lukas, LLC 

• Epic Paradigms Group 

• Ernie's Underwater Pool Repair Service 

• Factory Lighting Center 

• Fantasyville Productions, LLC 

• Finale Glassworks 

• Findley-Kohler Interiors 

• Fitness Critic 

• Flame Kissed Creations, LLC 

• Fleurish Home 

• flowergurlcrafts 

• For Keeps 

• Fortner Inc 

• Four Legged Scholars Dog Training 

• Garelnabi 

• Garrett Reliability 

• Glenn Avenue Soap Company 

• Golden Eagle Express 

• GS Rice LLC 

• Hansen Resource Development, Inc. 

• Heart Centered Life Coaching 

• Hollywood's Tech Solutions 

• Home health digital 

• Hope Chest of Defiance 

• Hostile Whispers Press 

• iCompute Consulting, LLC 

• lnnova Concept Engineering, Inc. 

• Insight Consulting Group, LLC 

·jacob Roig- Clear Vision Business Coaching 

·jessie Gordon, L.P.C.C. 

• jewelry Box Rocks 

·joyful Baby Bundles LLC 

·justin Hauke Designs 

• Katie Baron Creative 

• Kevin OBrien Ceremonies LLC 

• King's Electric Services 

• LairWorks Entertainment, LLC 

• Lampmaster Recycling 

• Lance Ridener Studios 

• LBH Productions 

• LCR Realty 

• Lemon Grove LLC 

• Little Bit Perfect 
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• liturgical Formation and Parish Renewal 

• Lochte Technology Ltd 

• Longacre Enterprises 

• Makeway 

• Marian E.Krieger, lie 

• Marshall Arts 

• Maximize Kindness 

• Medical Massage 

• MeowRescue 

• Monarch Wave Marketing 

• Moonlighting 

• Mossycup Farm 

• Moye La Music Records 

• Mrs. Magpie's Treasures 

• MYERS TV 

• Natural Birth Columbus 

• New Creation Church 

• Nhojj 

• North Coast Cane 

• Ohio Sleep and Pulmonary Center, inc. 

• Olivia's Paradise 

• PeProSo, LLC 

• Priority Mortgage Corp. 

• Pro Football Hall of Fame 

• ProdOptic, LLC 

• Puppy Realty 

• Pythagoras Business Services Corp. 

• Red Alert IT Services 

• Red Horse Productions 

• Red Tail Design Company 

• Ron Linek Photographer 

• rotatori consulting 

• Sandra McCiennen, Ph.D., Psychologist 

• Sans Nom 

• Scalmato Studio 

• Seven Hills Pet Clinic 

• Sharonmirandapottery 

• Sincerely Styled 

• SM Services, Inc. 

• Southeastern Ohio LGBT Coalition 

• Sprite Press 

• SunCat Services Ltd 

• Sweeteas Skin Desserts LLC 

• Sweeteas. Skin Desserts LLC 

• sycamore st. LTD 

• The Cherry Team 

• The Glassman 

• The Good Realty Company 

• The Regulator Online 

• The Sages' Touch LLC 

·The Scribe & Note 

• Thinkroot Records 

• Trilogy Trxhnology Solitions lie 

• Turn of the Century 

• Tyme for Travel 

• ULTIMATE RELAXATION 

• VeliComp Computer Repair 

• Verdad y justicia 2 label Group 

• VGI Productions 

• Vortude 

·West Park Podiatry 

• Wintendo64 

• Wolfpack Security 

• Working With Nature, Inc. 

• World Tree Farms 

• You Improvement LLC 

·Zip's Cafe 
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OKLAHOMA 

• Academic Process 

• Academic Process Tutoring 

• Annteeke 

• Aterno Systems, LLC 

• Bartlesville Virtual Images 

• Cady Carlson Designs 

• Chaney Plumbing Heating and NC 

• Coyote Creek Ranch LLC 

• DECETS LLC, lAS LLC 

• Elaine's wireless 

• Espirational 

• heysomeday handmade jewelry 

• High Flight Arts and Letters 

• Iron Post Woodworking 

• ].Hale Insurance 

• JLT Contracting, Llc 

• KIL Publications 

• Language Links, LLC 

• Magpie Editorial 

• MARGARITA ISLAND 

• Oasis Health Foods 

• OKComputerGuy 

• Peakspath Finance 

• Savvy System Designs 

• Stardust Market Garden 

• The Girl Can Cook! LLC 

• The Zen Lady 

• Uptown Needle and Craft 

·Wizard's Workshoppe 

• Yuyu's Cozy Corner 
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OREGON 

• 1 BitSquared 

• Abbi Hattem PhD 

•AceSim RC 

• Acorn to Oak Insight LLC 

•ADI 

• Advanced Myotherapy LLC 

• Advanced Surfaces and Processes Inc. 

• Albrich Landscaping Inc 

·Alchemical Goddess 

• alliance for the disabled 

• Aqua Serene 

·Arlee Bennet jewelry 

• As You like It; The Pleasure Shop 

• Ashland Counseling 

• B & C Productions 

• Battle Lounge 

• Benedev 

• Bob's Beach Boooks 

• Book Universe, Inc. 

• Brian john park design 

• BridgeViewRV Resort 

• Brockman Psych 

• Bublitz & Koch Construction 

• Buckley Communicaitons 

• Cannabis Connect 

• Caras Mfg. 

• Cascadia Digital Collective LLC 

• Cassidy Language Consulting 

• Catherine Straus Art 

•CCM 

• Chantiques Ltd. 

• Chapters Books and Coffee 

• Charles A. Hartman Fine Art 

• Chehalem Machine Works 

• Chuckling Cherubs Spiritual Ministry 

• Coffey Geoscience 

• Coming Home, LLC 

• COMMUNITY MIDWIFERY CARE 

• Concierge Home and Business Watch 

• Counseling Astrology 

•Cozy 

• CrossCurrent Inc 

• Dan Sherwood Photography 

• Dancing Bear Productions 

• Dancing Red band Publications 

• Dancing Roots Farm 

• Darkside Cinema 

• DarkTollggt 

• Darlyne's Travel Service, LLC 

• Dave Maize Acoustic Guitars 

• Delight 

• Delta V Therapy 

• Denison Farms LLC 

• DeVito insurance agrncy 

• Dirk Williams Construction Inc. 

• Doctor's Wood shop 

• Dora's Garden LLC 

• Dr. Marybeth Webster, ATR 

• Dropkick Design Studio 

• ECL Corp 

• ECOregon 

• Emerson This 

• Engaging Press I ShareOregon 

• Engineering & Training Consultant 

• eNRG Kayaking 

• EPC Recruiters, Inc. 

• Eric Arnold Tech Support 

• ERIKA SALDANA ART 

• Eugene Music 

• Evolution Home Design Inc 

• EyeDentity Patchworks 

• Fanno Creek Calicos Quilting 

• FeiCom, LLC 

• Flying Capacitor Electronics LLC 

• Flying Wombat Industries 

• Focal Point Digital 

• Food Smart LLC 

• Friendly Bike Guest House Lie 

• Gatherall Storehouse 

• Get It Together 

• Gilbert Construction 

• Go Betsy Go LLC. 

• gobq lie 

• Grace notes music studio 

• Gray Matter Ink 

• Grootendorst Properties 

• Guard the king Productions 

• Hana's Handwoven 
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• Health Inspired Publishing 

• Health Inspired Publishing 

• Heart of Gold 

• Homebase Organics 

• House of Six Cats 

• HYMN Space 

• Illinois River Hideaway 

• lnfoSurf Consulting 

• inNate Graphix 

LLC 

• J&J Little Enterprises 

• jack Young PGA Teaching Professional 

• jesse J. jones Animation, LLC 

• JLC Studio 

• K9Bytes 

• KASKADIA HOMES 

• Kathy Bowman, Sole Prop 

• Keeton Corporation 

• Kithkin Real Estate 

• Lamb & Loom rugs 

• LarHarLLC 

• Linda S. Stead, LCSW 

• Liquid Mastering 

• longevity Applied Nutrition 

• Lorenz Hermsen 

• Macnab Photography 

• Mark McCormick Art 

• Mckee Studio's 

• Metabolic Maintenance 

• Metajuju 

• Metropolis Cycle Repair 

• Metropolis Cycles 

• Michaels & Michaels Creative, LLC 

• MIR MUSIC 

• MIRMUSIC 

• MissMosaic 

• mjarmstrong.com 

• Mountain Rose Herbs 

• Mt Tabor Plumbing 

• Mt. Angel Community Center 

• Mu's 11:11 Club 

• Nature's Pet Market 

• Neutral Ground Mediation 

• New Earth Farm 

• Nic Adenau LLC 

• Nugent & Associates 

• Nugent &Associates 

• Old Farmhouse Feed And Garden Center 

• On The Pond 

• One of a Kind 

• One of a Kind 

• Oracle Coffee 

• Orangetheory Fitness West Linn 

• OrdwayRC 

• Oregon RFID 

• OREGON Small Business Help 

• Oregon Wild Edibles 

• Orion's Line 

• Osteostrong 

• Pacific Coast Sign Supply 

• Patrick Productions 

• Paul Vozdic Photography 

• Paul Wiles Photography 

• Peace Films Inc 

• Peace Films Inc. 

• Peace Village Festival 

• PeaceFul! Living 

• Person-Centered Tech, LLC 

• Personalized Nutrients Inc. 

• PES ltd. 

• Phoebe's Footwear 

• phoenix pet care 

• Pickle jar Studios, LLC 

• Picture It Photo Service & Graphic Design 

• PLAZM 

• Polarity Center of Salem 

• Positive Touch Enterprises 

• Practical Reiki 

• Ptchew 

• Pulp & Deckle 

• Pure Living LLC 

• Purple Sail Creative 

• Radiant PPC 

• Randall-Mac Consulting 

• ReCreation Foundation 

• Red apt Digital 

• Reflective Brands 

• Reser Mechanics LLC 

• Resolectrics LLC 

• Richard C. Harrington 

• RiverWoodShop 

• Rochambeau Musical Apparatus 

• Rocking Stickers 

• Rogue River Woodlands 
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• Rootwork.org 

• Rose C Life Goals, LLC 

• Rosemont Tractor Service 

• RRandArt 

• Sacred Circle Dance 

• Salmon Brook Records 

• Sara Lebeck Bodywork 

• SAS Holdings, LLC 

• Savina Monet 

• SC Services 

• Scientific Notations LLC 

• Seaplane Coffee 

·Second Art 

• Sentai Productions 

• Serenity massage 

• Seven Stars Child Care 

• Silva Cafe 

• Silver Rockets Web & Graphic Design 

• SIMPLICITY tOOL cORP 

• Smokey Mont Enterprises. com 

• Spotted Dog Creative 

• Sprout City Studios 

• Startunz 

• Steamworksdesigns 

• SteamworksDesigns on Etsy 

• Steven Vaughan Photography 

• Strawberry Comics 

• Studio Portmanteau 

• SummitWest Environmental 

• Talent Aviation Services, Inc 

• tele.com 

• Terra Nova Travel 

•The Key Man 

• The Living Cosmos Society 

• The Squishy Watermelon 

• The Yoga Lab 

• Third Eye Video Productions 

• Trade Roots 

• Trader John's Resale 

• Trauma Healing Project 

• Treon Enterprises inc 

• Trillium Northwest 

• Trucke's 1-Stop 

• Tunafrog Designs 

• United Financial NorthWest 

• United Individuals 

• Usha Honeyman, DC, ND, DABCI 

• VaaraMusic 

• Valerie Snyder CPA LLC 

• Velvet Thunder Sound Systems 

• Veronica Rose V&P 

• Vinnie's Pizza LLC 

•Warm Media 

·Wendy Kotila International, LLC 

• Wild hair records 

• Wise Heart Coaching & Hypnosis 

•ZULU 
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PENNSYLVANIA 

• 47arts 

• Above The Bar Soapery and Gift Co. 

• Abroad Translations 

• Abroad Translations 

• Acrobat 710 LLC 

• AEU LLC 

•AMACORD 

• America! Amusements 

• American Lyophilizer 

• Ampersand Coaching, LLC 

• Animal Management 

• Animal Time, LLC 

• Antbizness LLC 

• Apothic Oils, LLC 

• Armstrong Machining Consultanrs 

• Artpeg 

• Automated living 

• Baby Jives Co 

• Barnes Consulting 

• Barry Stover 

• Baxter Solutions 

• Bears Blankets Quilts 

• Bears Blankets Quilts on Etsy 

• BearsBianketsQuilts on Etsy 

• Berks Foot Specialists, PC 

• BHHS Paul Ford Realtors 

• BigBuilding LLC 

• Bliss This Music 

• Blossoms and Roots Wellness 

• Board Raptor Games, LLC. 

• Body & Soul Fitness Studio 

• Brandywine Valley Appraisals 

• Brooke Prod. Inc. 

• Brooke Productioms,lnc. 

• Brooke Productions,lnc. 

• Brubaker Heating Cooling And Plumbing 

• Building Systems Testing & Evaluation, LLC 

• C&C Language Club 

• Callahan Tech 

• Cardinal Landscape Services LLC 

• catalpa home and away 

• Catmint Studios 

• Ceneviva B&B 

• CGB Communications 

• Christianne Schaedel MD 

• Ciao Bella jewelry Inc. 

• Cimbrian, Inc. 

• Claire Gawinowicz Proofreading 

• Claire Leslie Illustration 

• CLARK CONSTRUCTION 

• Clubmeisters Golf 

• Color Professionals Inc. 

• CoMBoConditioning 

• Congruence LLC 

• Conscious Body & Voice Dialogue Institute 

• Consolidated Information Systems 

• DAKROI 

• Dan's Variety Entertainment 

• Dave's Cool Toys 

• DeSomma Electric LLC 

·Devon john Photography 

• Diane Heii-OT 

• Dolente Consulting LLC 

• Dr Donald Gordon and Associates 

• Dr. Donald R. Gordon & Associates 

• Dragon Phoenix Media 

• Driven Digtial 

• DUKES OF DESTINY 

• Duncan Design 

• Duncan Design 

• Dustco, Inc. 

• Edubytes Co., LLC 

• EESdesigns 

• EPM 2006 LLC 

• Erik Teichmann Design 

• eSpirit Bridge 

• Ethancik LLC 

• Exigent Strategies, LLC 

• Explore Sewickley 

• Fancy Rabbit Software Co. 

• Felice Croul Associates 

• Felice Croul Associates 

• First Age Silver 

• Frances Woo, Inc. 

• fritz firestine remodeling 

• Galien Engineering 

• Generation Tech Computers 
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• Global Capital Funding Group, LLC 

• Green Valley Recording 

• Greenbaum Pottery 

• Gulden Ophthalmics 

• Guthrie & Larason 

• Gymboree Play & Music 

• Handyman Dave 

·Happy Cog 

• Henry & Sons Property, LLC 

• Hidden journey 

• Hillary S. Domers, LCSW 

• HipGnosis Music Publishing I Phosphoros 

Media, Lie 

• Horizons Associates 

• Impressions entertainment 

• Insurance Camp LLC 

• jabebo lie 

• james R. Van Langen PE LLC 

• jim Kippen Art 

• jobecca Technology Group, LLC 

• jonathan &j. william inslee antiques 

• jpat consultants 

• julisongs, LLC 

·just Hair by Dwight 

• justri, LLC 

• justseeds Artists' Cooperative 

• Killer B Creative 

• Kingdom of Mythica 

• Kristen Lightbody Fitness Solutions 

• Lake Erie Mowing 

• Lancaster Farm Fresh Cooperative 

• Lepus Studios 

• less than three records 

• Lew Larason Antiques 

• Libertus Project LLC 

• Liberty Digital 

• Liberty Mushrooms LLC 

• LiquidHub 

• Lovecraft Cult 

• Lovett Sundries 

• Lung & Wellness Centers 

• M.B.Service Center Ltd. 

• Maida Engineering Inc 

• Mail & McCormick 

• Mary Kay Cosmetics, Inc. 

• McGuire Scientific Services, LLC 

• Mellott's CAD Connection Inc. 

• Middletown Area High School 

• Mikes Food Truck 

• MOBE 

• Motto Marketing 

• Mountain View Realty 

• Mountains to Sea Photos 

• NataDesigns 

• New York bagel and deli 

• Night Cheese Publishing 

• North Slope Farm 

• OMG-Giass.com 

Service 

• Parkside Design studio 

• Pat N. Lewis Illustration 

• PDR Paragon LLC 

• Pembroke Consultants 

• PermeGear 

• Peter Munsing Law Office PC 

• Ph illy Electric Wheels 

• PhillyWisper 

• Phoenix RisingCounseling Services 

• PLASTIC RED 

• PorchPuppyMusic, LLC 

• Portae Astra rum 

• PrettiNeat 

• Priest Cleaning 

• Private Practice 

• RamblerHomes 

• Ransom Note 

• Red Oak Studios 

• Richard C. Nelson, DDS,PC 

• Richard Raynes 

• Ridgerunner Connections 

• Roan Parrish Romance 

• Robert smollinger inc 

• Sabrina Fedel 

• Samkoff Consulting 

• Sanders Busing 

• Sentinel Solutions, LLC 

• SG Publishing 

• Shadow Systems, Inc. 

• Sherry's Place Rescue 

• Simple Machines Records 

• Simply Stated Architecture, PC 

• Skin Deep, Inc. 

• Sokol 5 Tool Fitness 

• Somewhere In Time, LTD 
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• South Atlantic Stitching Company I Little 

Dorrit & Co. 

• Spark DSG LLC 

• Speedy Ortiz LLC 

• SquareOne Computer Services 

• Stone Bridge Inn & Restaurant 

• Strata Publishing, Inc. 

·Styx Latte 

• SuperFriendly 

• System Design 

• Systems Excellence 

• Teach to Inspire Yoga Education 

·THE Abstract Company 

• The Ceramic Studio 

• The Sumac Collection 

• The Team Builders Group 

• Theodore Fallon, LLC 

• This n That by HZ 

• Tile By Taryla, LLC. 

• Tony Morrison Photography 

• TTR Design 

·Turney Electric inc. 

• Uburnn jay Brand 

• Umbergers of Fontana 

• Umberger's of fontana 

• Vice Designs 

• Virginia C. Mcintosh 

• Wavebreak LLC 

• Wesaquen Services LLC 

• Whatsits Galore 

• White Knight Home Services, LLC 

• Widdershins Therapeutics 

• Wild Birds Unlimited 

• Wynne Alexander Media 

• X Halt Salute, LLC 

• Zak Zavada Photography 

• Zinn Technologies 

• Zoll Framing and Gifts 
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PUERTO RICO 

• Big Dog Internet 

• Breathe Clean 

• L&F Technologies 

• Perocier Law Offic. 

• Rojo Chiringa 

• SGP Design Studio 
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RHODE ISLAND 

• Charles Brown 

• CinematicCritic Movies Reviews 

• Custom Linocraft 

·Danny's Bar 

• Downtown Boys 

• EPM design 

• Foggy Notion Farm 

• Fortune Enterprises 

• Hospitality ReCourses, Ltd 

• Klinkman Solar Design (KSD) 

• Page Landscape Architecture 

• private citizen 

• Pro Internet Marketing 

• Ramp Media Lab 

• Space Inch 

• Studywatchers Nederland BV 

• Sunset Productions 

• The Sanskrit Library 

• Thistle Cottage Studio 

• Thurston-Lighty, Ltd. 

• UpriseRI.com 
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SOUTH CAROLINA 

• A Natural Approach 

• Ansmoon 

• ArTransformD 

• Bent Oak Technologies, LLC 

• Boone Electric Co. 

• Cameroon LLC 

• Christopher Galton LPC 

• Computer Quest 

• Crawford Associates 

• CRP, Inc. 

• Dingle Manor and Fields 

• Dsmarketinganddesign, lie 

• Emmanuel Family Services 

• Expressions In Glass 

• F1 

• Food Box 

• Go!Gaming 

• Grafik Solutions 

• Hand It Calligraphy 

• Hands-On History 

• Heaven to Earth lie 

• Heaven to Earth, LLC 

• HK Power Studio 

• Hnery B. Mitchell Ill 

• Hollipops Greenville 

• Honor Consulting 

• lonosoft, Inc. 

• It's a Thing 

• j & G Tours 

• journey To Wellness 

• KET Transportation Services Inc 

• Knaptime Productions 

• LBA Ventures, Inc. 

• LDIC Vending, LLC 

• Leonard Strategic Advantage 

• LEQ Beauty 

• Levin Consultants 

·Lovelace 

• Markides jewelers 

• MCRWhips 

• Messina Consulting 

• MikeVajdic.com 

• MSCMD PA 

• NewSunSEO, Inc. 

• Our Mother's Voice 

• Palmetto Running Company 

• Powers Solutions 

• Precede Inc. 

• Primitive Studios 

• Quanta Perennial LLC 

• Randolph Travel Center, LLP 

• Rawr Design labs 

• RC's For Life, LLC 

• Riccova LLC 

• Soft Green Corp 

• South Tech Services 

• Story Problem--Solved! 

• Tandem Associates LLC 

·Team CC 

• Tidal Life 

•Two Acres 

• Vincent Media Group 
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SOUTH DAKOTA 

• Animal Medical Care 

• Black Hills Computer Consulting, Inc. 

• BriteLEDideas 

• Cihak Studio 

• Fly Away Photography 

• Gold Diggers 

• Kass Collectibles 

• littleplow lie 

• Misty Mountain Salvage 

• Ornry Cuss Inn 

• Saga Studios Animation 

• Scovel Psychological 

• Shy Red Fox 

• Sustainable Environmental Energy 

Engineering LLC 

• Teach in Thai 
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TENNESSEE 

• 212 Market Restaurant 

• AJ Martin 

• ALLOut Security 

• Applied Software Consulting, LLC 

• Arzell's Photography 

·Audiology & Hearing Health 

• BarryMedia 

• Bean's Heating and Cooling 

• Bell Street Publishing LLC 

·Belva 

• Bensman Home Computer Repair 

• Brooks Computer Consultants 

• By The Way Labs, LLC 

• Carter Witt LMT 

• Cindy Day Studio 

• clark buchner architect 

• Clear Shield IT 

• Clifton Mitchell Publishing 

• Corey Edwards Media 

• Cultivate Coworking 

• Dark Naga 

• Davies Wedding Video 

• DCF Construction Inc. 

• Dr. Pisanello 

• Drewpert Agency 

• Drops-Everything Scenic 

• FinCo 

• Firefly Custom Creations 

• Friendly Arctic 

• Gallery Designs 

• Get Your Money's Worth 

• Grasshopper Studios 

• Grateful Gypsies 

• Green Worldwide 

• Harry McCabe Consulting 

• Heavy AF Music Ltd 

• Heavy AF Recordingss 

• HonorableMommy 

• Inner Hero LLC 

·judith A Hamilton, Attorney at Law 

• Keller Williams 

• LBLM LLC 

• Loyal Stricklin 

• Lyonnesse Books, LLC 

• Machining Resources 

• Marshall's Embroidery 

• MaxWax 

• McAfee Media Solutions 

• Mid South Mediation Services 

• Mixtus Media 

• Mountainbrook Retirement 

• Neural Net Hosting 

• Orleans Music Services lLC 

• Orrs Metal Works 

• Paper Route 

• Pro-Audio Mobile Djs 

• Read & Associates 

• Red Room Software LLC 

• Rice Dean Graphics 

• RIK Photography 

• Riohcat Music 

• Route 66 Grille 

• Save My Tap I animal Rescue, Inc 

• Simple Truth Publishing 

• Stonebrae and Strath 

• Stringjoy 

• Superior Image 

• Surface Doc 

• Taco Express 

• Tanasi Grafix 

• Teye Guitars, Inc. 

• The Arcane Dragonry 

• The Water Garden 

·The Water Garden, LLC 

• TLC Healing 

• Train Productions 

• Trenia's Salon 

• Unitus.org 

•WeDig 

• WTB Detailing & Design 
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TEXAS 

• 1 iSolution 

• 25611c 

• 360APPOACH 

• 360APPROACH 

• 49moons 

• 93 SOLUTIONS 

• A Better Remodel 

• A. M. Schaer 

• AaronScottBell Landscaping 

• Abbass Sekhavat MD PA 

• Abracadabra 101 

• Accents of Salado 

·Advantage Safety 

• Affinion Group 

• Again In Time 

• Aguilar Woodworking 

• Albutran USA, LLC 

• All DFW Real Estate 

• Alliance Spectrum Group, L.l.C. 

• Aloevera Company USA 

• Amazing Stories 

• Amber Nest Design 

• American Leadership Forum 

• Andell Enterprises 

• Ander's Scrubs & Hosiery 

• Andresen Landscapes 

• Andrew L. Murphy Art & Photography 

• Angelas's Pictures 

• Angelic Visions LLC 

• Anime Shop Online 

• anthea's artforms 

·Apple's Heart Corporation 

• Architangent LLC 

• Armor Inspections 

·ARROWHEAD GRAPHICS 

• ARTISAN VAPOR COMPANY 

• Ashiatsu by Carol 

• AudCreationsUS 

•Auntie M 

• AWL Business Consultants 

• BanditBoutique 

• Bar -w-Ford 

• Bass Tax Service 

• Bayou City Graphics & Printing 

• Beacon School & Child Care 

• Beautiful Garden Designs 

• bicibits.com 

• Big Easy Sailing 

• Birds, Beasts, Blossoms, Bugs 

• BiStarlight 

• BKK Research Corp., Ltd. 

• Blase Design 

• BlimpVentures LLC 

• Bloggingthing 

• Blue Mambo 

• Bmr.Graphics 

• Boat Lagoon Cruises Co., Ltd. 

• Bob Mabry Attorney at Law PLLC 

• Bob Sherman Art Co. 

• Body by Kelli, LLC 

• BogheiriArt 

• Bonobo Interactive 

• Bouchard Property Group, LLC 

• Brazos IT Services 

• Brookman PLLC 

• Bryce Shashinka 

• Bunhaehom 

• BurkNett 

• C&S Creations 

• C-vane Sailing 

• Cactus Coding 

• CainesArmoury 

• Caliber Construction 

• Camp Fire Central Texas 

• Carbon Quest 

• Career Dimensions 

• Casual Raven Photography 

• CBR_Eiectric 

• Cehum-Aietheia 

• Cell Systems-3D, LLC 

• Chara Rollins Photography 

• Chaylon 

• Cherish Ireland Graphic Design 

• Chischilly Pottery 

• CHOOSE HEALTH SOLUTIONS 

• Citeworx/Fotoworx 

• Claire McKay, LPC 

• Clays Radio Shop 
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·Cleve & Levin/Austin, Inc. 

• Cliff Consulting 

• Cloud Pipers 

• Cloud sphere Computing Services, LLC 

• Codex Systems 

• Comptroller Service inc 

• Computer Evaluations 

• Continental 

• Contract Home Health 

• Coobo Media 

• Cox Mills Ranch 

• Cox-Mills Ranch 

• Createscape 

• Crosby Venture Modeling 

• Dallas Laser Healthcare 

• Dancing Redband Publications 

• Davis Productions 

• Dean Nixon Design 

• DePiacito Enterprises 

• Depop 

• DeVries Architecture Theater Design 

• Donna Rose MA LPC 

• Dox, Inc. 

• Dr Paula LLC 

• Dreamscape Screen Printing 

• Driskill Guitars 

• Drumming Preparatory School 

• Dubs& Dash 

• Dunromin Farms 

• DW Deal Real Estate 

• Dwigans Law 

• E K & Associates 

• Earthsome 

• eBee's Tutoring 

• Edens Edge 

• electrique 

• Elementals 

• Elementum Research Ltd 

• Elizabeth A. Garcia, LLC 

• Eminent Zen 

• Emotional Mastery for Life 

• Equality Texas 

• Erotic Cabaret Boutique 

• Essential Mediations 

• ETreecosmo 

• Eye Play Studio 

• Eyeglass Express Optical 

• Fashion Encore 

• Fiedler on the Roof Construction 

• Filimage 

• Fincher Properties 

• FitnessPharmacist 

• Flash your Lash 

• FOods International of Dallas 

• Free-Spirited Mind 

• Freelance blogger 

• FreeMetaiTake.com LLC 

• Fresh Hot Flavors 

• Full Blown Records, inc. 

• Gemin-ldeas 

• Generalitat de Catalunya 

• Glenn Richardson, Consulting 

• Golden Light 

• Gratitude Avatar 

• Green Market 

• Green88vn 

PLANETAIRE 

• Griego Massage & Spa Studio 

• Groomers A GoGo 

• Guadalupe Soccer Academy 

• Guinea Run RV Park 

• Hackett Law Firm PLLC 

• Hailey E. Herrera 

• Halima's Healing Touch 

• Hana Consulting LLC 

• Harpsong 

• HBjitney, LLC 

• Heavenly Landscape 

• Hebley & Associates 

• Helen Bailey Art 

• Hessel Kaan Signs & Neon Pty Ltd 

• High Olefins FCC Technology Services 

• High Olefins Technology Services LLC 

• Hilltop Storytelling 

• Hilmers Studios 

• Home Bakery, Catering & Eatery 

• Home Owner 

• HTownFound 

• Hulkbot Development 

• HVACSvcCo 

• Ill Financial 

• Independent Petroleum Landman 

• lrongorve 

• Ironwood American Bistro 
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• iRun Texas • McDCG 

• irwin arnstein inc • Medical Fitness Pros 

• Island Marc Fitness • Mensmobilis LLC 

• IT Consultant • Mills Divide Ranch 

• J-Co Industries, MDM • Mitchell Mossbarger Consultants 

• jake Harrison Saddles and Equippment Inc. • Mullen Telecom Service 

• JB Wood Group LLC • Music Research Den 

• jenix 3D • Name Brand Appliances 

• joyning Concepts • Neeseco 

• jxrdyceleste • NeoQor 

• K. Mock Design • nerdworker.com 

• Kai Interior Design • Nettek Solutions 

• Kate C. jewelry • Neverland Designs 

• kayci wheatley • newcastle homes 

• Keller Williams Clear Lake/NASA • Nisroc Media LLC 

• Kellogg Furniture Design • Ocean Spirit 

• KIT JONES LPC • Offgrid Services 

• Knighthawk Armoury LLC • Olaf Real Estate Developments 

• Kool Kats & Kanines Rescue • Old New Orleans rum 

• LB. Higginbotham • On-Target Supplies & Logistics 

• language Professionals • OpenSpace Products lLC 

• Law Office of Wren Gray Foster • OurBus, Inc 

• Law Offices of Anjali Bakshi-Rami • Owen Technology Solutions 

• LBI Group Companies Inc. • Pacha Organic Cafe 

• Leathermans' landing, a family farm • Particulier 

• Leslie W Web Development • Pat Sanchez Creative 

• life lites - Spiritual Creations for Life • Patchworklaboratory 

• Little Boppers lLC • Patricia's Lunchbox 

• Liza Lake, Realtor, GRI • Peitz Performance Tunes 

• LlamaVision Productions • Phillip Hand Entertainment Svc 

• Lockhart Realty • Piano without Tears 

• Lockhart Realty • planet k 

• Lone Star Trade LLC • Pond Lily Nursery 

• Lorraine Shirkus Design, Inc. • Preserving Vintage 

• Love, Cassidy • Prism KT Technologies lncoporated 

• LS johnston Architects • Privee 

• Lsaw Office of james M. Simons • Prizebolt 

• Lunarbot Studio, LLC • Pro PDR, lie 

• M2G Ventures • Pure Data, LLC 

• MarbleHost.com Web Hosting • Putman Electrical 

• Mariu • Quality jewelry bySean, LLC 

• Mark R Lancaster • Quinstreet 

• Mark Umstot Photography • R&R Furniture 

• Marks Voiceover Studios • Radical Results Business Development 

• MartinFinantial Planning • RC Automotive Services 

• Massage via Violet • Red Swordfish Studios 

• Maxcool Enterprises • Redoubt Networks, LLC 
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• RelationFit 

• Reposterfa Christa 

• Rhino Digital 

• Rhoncus Coils 

• Riad Bounaga 

• Rite of Strings 

• Roberts Publishing 

• Rocket Launch Creative 

• Rogers Rolling Revue 

• Rolland Fellows, PhD 

• Rover 

• rowsandall.com 

• Running Turtle Studio 

• Ryder Solutions 

• S&R Deco 

• Sailing Stones Media 

• Samson Lee Brock Investments LLC 

• Scraps ofTime 

•SCUC 

• SDI Lawn Service 

• Seal Pro Inc 

• Senderek LLC 

• Serstin's Pro Cleaning Service 

• Shamblin Sound 

• Shane Media Services 

• Sharp Egg, Inc 

• Sharre 

• Shur-rig 

• Sierra Associates Advisory, L. L.C. 

• Sightful Software, Inc. 

• Smartbridge 

• Snap Fitness 

• Social Motion Skills 

• Solumena, LLC 

• Soul Reflections 

• Southwest Digita Media 

• Southwest Digital Media 

• Spirit Outsource, LLC 

• Staab Engineering 

• Stephen Davidson & Associates 

• Stone Acorn Builders 

• Stout's Pizza 

• Stray Acres Sanctuary & Animal Rescue 

• studio Care Graphics 

• Susan Barnes de Resendiz, Esq. 

• Tacky Yaks 

• Tamara Trent, LCSW 

·Ted's Photography 

• Texas Mortgage Company 

• Texas Surveillance & Security 

• the BrainBox 

• Thefj Group 

• The Ops Company LLC 

·The PractitioNERD 

·The Pretenders 

·The Stranded Yankee 

·The Tea Mistress, LLC 

• The Time Doc 

• Three Bar LLC 

• TKO Associates 

• Tommy Deans Signature Popcorn 

• Tracy L Morris, MS, LMFT-Associate 

• Trahern Press 

• Trela Fine Art Conservation 

• Tumbling J Mohair Tack 

• tx auto group 

• Undertone Dyno & Tuning 

• Universal Pricing Company 

• Unlimited Diamond Works 

• vagabond 

• Vagabond Music 

• Vajra Technologies 

• Vedarcis LLC 

• Vela Wood P.C. 

• VIRTUALhaus 

• Visual Creative 

• Vital Pet vet Clinics and Mayhem Weather 

• Voices Raising 

• W.u.c. Productions 

·Website Designs In San Antonio 

• Westpark Business Center, LLC 

• Willemshairartistry 

• Willoughby Design 

• Window to the wild 

• Winston's Kitchen 

• Wishbylouisa 

• World Shots 

• Zumaya Publications LLC 
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UTAH 

• Altra footwear 

• Anastasias & Torhallas Creations 

• Bassmentdsp 

• BellaMonica Studios 

• Benson ProServices LLC 

• Big Cartel 

Services 

• Bodyhappy: Center for Embodied Living 

• Caboose Videos 

• Castle Bits 

• Code Kitchen 

• coffeebrewers2.5 lie 

• Color Me Rad 

• Conservation Technology Solutions Inc 

• Crown Contrail Promotions LLS 

• Dan Roberts Kitchen and Bath 

• Daylily Advertising Specialties 

• Devuno LLC 

• DigitaiiQ 

• Epic Dog Studios 

• Exploration Insights 

• Good Times Dog Training 

• Hansen Technology Group 

• Harmony Acupuncture 

• Hayden Peak 

• Hindsight Designs 

• Holiday River Expeditions 

• J P Services, P C 

• jorgensen Appraisal, Inc. 

• jpavlish.smugmug.com 

• juiceStain 

• Kawaii Pink Shop 

• Laeramin LLC 

• Lake City Antiques 

• Lastime Exteriors 

• Light and Sound Media LLC 

• Love, Kianee 

• Millers Utah Carzz 

• Miss Bren's Preschool 

• Morgan Valley Stone 

• Mountaineer Studio 

• MySQL Ajax Table Editor 

• Paletti Corp 

• Peak Benefits 

• Phoenix Computing Solutions 

• PHOENIX TRAINER LLC 

• REAL SALT 

• Reclaimed Interiors & Estate Sales 

• Reese Mechanical, Inc. 

• Revo Technologies 

• RidgeCrest Herbals 

• Saigon Bistro 

• Salt Lake Pet Sitters 

• Salt Lake Running Company 

• Schlenker LLC dba Buffjuice 

• Second Story Window 

• Sharpr 

• Silver & Stone 

• SirWeAre 

• Smartcuts 

• smaxx inc. 

• Snap Synapse 

• Straightforward Analytics 

• Tavala 

• The Diabetes Initiative 

• The Diabetes Initiative LLC 

·The Gar Group 

• Torrey Schoolhouse B&B Inn 

• Tyler Cisneros, LLC 

• UNIMOthings LLC 

• Varied Rush 

• Zions Farm LLC 
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VIRGINIA 

• ADHD Counseling in the Roanoke Valley 

• AlansHomes.com 

·Alicia M. Todd PhD LLC 

• Alpha Contracting 

• Aras Custom Designs LLC 

• Arctic Inuit Art 

• Auberg Instructional Innovations 

• AVAIL Vapor 

• Axiom Logistics Group, LLC 

• Bashen Web Design 

• Bashen Web Design Co 

• Beauty & logic Designs 

• Bectech Inc 

• BeetFinance 

• BG2LZ.COM (B G Tools) 

• BHS Productions 

• Binary Formations, LLC 

• BLE Solutions 

• Bliss Point Farm and B&B 

• Bliss Point Farm and B&B, LLC 

• BLITZ 

• Brand Planning, LLC 

• Browning & Associates, LTD 

• BY THE SQUARE LLC 

• Career Change Central LLC 

• Chordas Enterprises, Inc. 

• ChoreoNova Inc. 

• C!ick2Mail 

• Cobbs Mountain Farm 

• Connective Managing, LLC 

• Copper Note 

• Cynelic Gast Music, LLC 

• DeVito Direct Marketing Services 

• Disposable Underground 

• DiviNet Solutions 

• Dominion Animal Hospital 

• Dragon Feather Design 

• Dream Punk Press 

• DSKDecals 

• Empowering Families 

• Enchanting Crystal Treasures 

• End-Visionit! 

• Escape Room Loudoun 

• Esuerc Voltimand Arts 

• Evenstar 

• Farm Colony Times 

• Faro Business Enterprises, LLC 

• Floorcraft 

• Frank Bellamy Tutoring 

• Gallant Bodywork, Inc 

• Gallant Bodywork, Inc. 

• Generator Service Company 

·Get Natural Essential Oils 

• GMH Properties LLC 

• Go High Corp 

• Green Equity Solutions 

• High Five Farm 

• HMM: Hauling, Moving & Mowing, LLC 

• Home business 

• Honest Abe's Locksmithing and Auto Rescue 

• lnyo Studio 

•Iron Horse 

• ltalia Performing Arts, LLC 

• J & K Custom Tile 

• JMA, LLC 

• JNV Properties LLC 

• K'at Marketplace 

• Kardinal Hall 

• Kashori Corporation 

LLC 

• Level Access 

• Light Tech & Electrical Associates 

• Little Ones Reading Resource 

• Little Sprout Landscapes LLC 

• Long and Foster Realtors 

• LostBoys Strength & Conditioning 

• M.T. Curry Inc 

• Marion j Brown LCSW LLC 

• Meade's PC Repair Shop, Inc 

• Meaningful Evidence 

• MH Global Limited Company 

• MIT Enterprise Forum of DC & Baltimore, and 

Private Consultant 

• Moose Visual Arts 

• Morning Chorus Farm L3C 

• Mt. Rush Farm 

• Mystical Smiles Face painting 

• Nancy Thomas Gallery 
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• National Federation of Republican Women 

• On Time Freight, LLC 

• Organized Design 

• OSo Splendid 

• Pentomino 

• Perduco Inc. 

• Point 2 Running Company 

• Premier Collision Repair 

• Premier Turf Farms 

• Queen & Associates, LLC 

• Reclamation Woodworks 

• Red Forest Studios, LLC 

• Repperio 

• Republieka 

• RHz Consulting LLC 

• Sallie Ross LCSW, PLC 

• sanctuary hill farms 

• Sanctuary Of The light 

• Serres Inc 

• Shamrock Technology Services 

• Sipes Voice Studio 

• 5MB Enterprises 

• Stairway Travel 

• Still Point Press Design Studio 

• Stress Knot 

• Sugar & Salt, LLC 

• SUSAN J BUN IVA, MSW, LCSW, PC 

• T.J. Crooks, inc. 

• Tangent Artists 

• Tech. & Policy Mgt. Consultant 

• TECHEAD 

• Technificent Solutions LLC 

• The Actors' Place, inc. 

• The Habit Institute 

• The Hot Brain 

• The jewelry Vault 

·The Law Office of james Steele PLLC 

·The Sylvan Studios 

• ThinkWriteSpeak, LLC 

• Treeditions 

• Virginia Gun Safety 

• Vision Sign Inc 

• VLB Distributing/6th Avenue Vapes 

• Walter Antiques 

• WaterHorse Media 

• Woody Woodworth Music 
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VERMONT 

• 802FIREARMS 

·Able Advertising 

District 

• Aiki Creative 

• Allen's Kitchen & Bath 

• AMCK Web and Print Design 

• Andy Dodge & Assoc., Inc. 

• April Enterprises 

• BASIN HARBOR 

• Big Road Blues Band 

• Brattleboro Retreat 

• Capital Car Service VT 

• Carpenter and Main Restaurant 

• Cattail Creative 

• Champlain Valley Plumbing & Heating 

• Costello's Market 

• Dakin Farm 

• Dancing Dragon Animal Health 

• Distinction Press 

• ECHO, Leahy Center for Lake Champlain 

• Editide 

• Frog Alley Tattoo & Leatherworks 

• Full Tank 

• Global Gifts 

• Global Net Internet Services 

• Grassroots Vermont 

• green mountain guerillas 

• Heinel's Clothiers 

·jay's Gun Shop 

• junebug 

• jwtGroup 

• Katrina Dreamer Tutoring 

• KC Enterprises 

• Keri-Ann Black-Deegan, CPA PLLC 

• King Arthur Flour Bakery Cafe+ Store 

• Lincoln Cooperative Preschool 

• Maple Hill Campsites 

• Marketing Partners Inc 

• Marquis Theatre 

• Mindel and Morse Builders 

lndiviuals 

• My Organic Access, LLC 

Law 

• New Leaf CSA 

• NFI-VT Family Center 

• old chenet road forge 

• Ollie's Other Place 

• Otter Creek Bait Shop 

• Outright Vermont 

• Pease Mountain Law 

• Pidgeon's Gun Shop 

• Pizza Putt 

• R K Miles 

• Rack N' Reel 

• Recycled Reading of Vermont 

• Red-E Storage, LLC 

• RSBPress 

·Rules of Go 

• Saintjohn's Club 

• School 

• Shelburne Farms 

• Shelburne Tap House 

• Solid Threads 

• Sunburst Software Solutions, Inc. 

• Tech Medic 

• The Construction Collaborative 

• The Inner Garden 

• The Law Office of Kathleen Walls 

·The Medicine Chest 

• The Rusty Bucket 

• The Vermont Book Shop 

• The Wits Wits LLC 

·Tom Dillon Development Consulting 

• Totem Tamers, LLC 

·Trying to start small business this year 

hopefully this ye are!! 

·Two Brothers Tavern 

• University Mall 

• UVM LGBTQA Center 

• Vermont Facial Aesthetics 

• Vermont Field Sports 

• Vermont Gas 

• Vermont Lottery 

• Vermont Patients Alliance 

• Vermont Tap House 

• Virginia wyoming pottery 

·Yellow Farm House 
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WASHINGTON 

• A Notch Above 

•ABFAB LLC 

• Absolute Cyber 

• Abundantly Green 

• ADDING SOLUTIONS 

• Aelska Natural Skincare 

• American Dream Real Estate 

• AMPA Enterprises LLC 

• Antonjazz Records 

•APOYO 

• Aqueduct Press 

• Arbor Montessori Schools 

• ARIS MARINE SURVEYORS 

• ARNOLD ASSOCIATES 

• Artlines by Clarice 

• Awake, Powerful & Free LLC 

• Awards Service Inc. 

• Baker Street Accounting 

• BBA Land Surveying, LLC 

• bedhead fiber 

• Ben Park Productions 

• Better Kitty 

• BG Services 

• Bloatedcrayon Art 

• Bob Owen Unltd. 

• Body Works NW 

• Body-Psychotherapy of Seattle 

• Brechan Administrative Assistance 

• Bridgetown Vocal 

• Brown Art 

• Bush House Inn 

• C.l. Britten 

• C2Technology 

• Carolyn Willis Violin Studios 

• CASCADE HOMES CUSTOM CNSTR LLC 

• Cascadia Stoneware USA, Inc. 

• CCA Tutoring 

• Cdk Imaging 

• Chalet Screens 

• Chance Art 

• Chanticleer Book Reviews 

• Charlie Duncan Photography 

• Cheshire Cat's Madness 

• Clearwater Car Wash 

• Code Piston, LLC 

• Comicspick 

• Creek Productions 

• Crest Copywriting & Consulting 

• Cross Border Property Maintenance 

• Custom Research Studies, LLC 

• Cybersalesbyrick 

• d'Aigle Autoharps LLC 

• Dancing Elephant 

• Dandylion Records 

• David Christie Music 

• dba River Border Consulting 

• DeBolt Photography 

• Dept of Energy 

• Design Consultant 

• Design Synthesis 

• Desire's Emporium 

• Divergent Technology Group LLC 

• DNA FOODS LLC 

• Dobson Computer Svcs 

• Dottys Pet Sitting 

• Doug Wood's Piano Service 

• Downriver Orchard 

• DR Design Studio 

• Dreaming Gynoid Studio 

• Early Learning Child Development Resources 

• Earthlight Books 

• Earthwind Publishing 

• Eastern Wind Glass 

• ECS 

• EHR Excellence 

• EightfoldYOGA 

• Ellesa Hunter LMT 

• ElleSkell Virtual Assistance 

• EmeraldCityEDM 

• Enamelwork Supply Co. 

• Equinox Arts 

• Essenborn LLC 

• Essencia Artisan Bakery 

• Evelyn's Garden 

• EVS 

• Exploration Charters 

• Face the Sea, PLLC 

• Fantail Publishing LLC 
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• Fantastic Windows 

• Feel The Burns 

• Fefathered Outlaw 

• Fischer Law Offices 

• Focussed Energy 

• Foley Engineering 

·foxtail LLC 

• Freedom Project 

• Frosty Hollow Ecological Restoration 

• fydbac, lie 

• Galaxy Brows Etc 

• Gary Peniston Construction 

• GeekWerks 

• GlampAndGarden.com 

• Glitch factor 

• Golden Handcuffs Review 

• Gotham City Drupal 

• Green Bee Farm 

• Green Lake jewelry Works 

• Greencardz 

• Hachisoft Corporation 

• Happy Goat Productions 

• Healthy Aging Diet 

• Hladky Property LLC 

• Hoffman Regualtory and Qulaity Consulting 

• Hoffman Regulatory and Quality Consulting 

·Hoffman Regulatory and Qulaity Consulting 

• Holistic Family Practice 

• House of The Salish Sun Arts 

• Husser Window Cleaning 

• Infinite SOULutiions Foundation 

•Inside ISO 

• lnterWeb Technologies 

• iocolor, lie 

• J.K.F. Chilson, Opals & More 

• jackson Trucking 

• JAEnterprise. 

·jaguar Audio Design 

• Jeff Lane Photography 

• Jefferson Bush Real Estate 

• joan Bowers Photography 

• ]Prise Inc. 

• JRFrench Productions 

• K B Family Practice PLLC 

• Karnan Associates 

• Kaufman Kampe Advisors 

• Keep the Change 

• Kendra's Voice, LLC 

• Kettle Falls Dental Clinic 

• Kfactor, lie 

• Kiddos and Crayons 

• Kitsap Country School 

• KSB 

• Lakeland Apartment Homes 

• Larry Green Productions 

• Larsen Timber Resource Managment 

• Last House, LLC 

• Legendary Games 

• Lewis County Beekeepers Association 

• LEXIN 

• lexin innovations 

• Libbey Enterprises 

• Linda Landig jewelry 

• LIVE Online Math 

• lj hughes associates 

• LLB Healing Arts 

• Lucky Computer 

• Lucy JOHNSON Interior Design 

• Luke Rain Music LLC 

• Lynnloriane jeweley Design 

• M R Scott Company 

• MacFixers 

• Mach 1 photography. 

• MacNeith Productions LLC 

• Mainline Music 

• Mane-ia for Paper 

• Marcia McKinzie Art 

• Marine Science Institute 

• Matthew Books publishing co. 

• Maxwell Edwards LLC 

• Me and Ewe 

• Media Solutions Inc 

• Meta-memes 

• Michael McClintock, Airport Consultlants 

• Michael O'Connell, Ph.D. & Associates 

• Millican ofWA, Inc. 

• More Power Technology Group 

• Mother Sperry's Plum Pudding 

• Move Beyond Limits 

• Move Head 

•Ms. 

• Multiple Obsessions Arts Xchange 

• MWH Inspection Services, LLC 

• Mystical places press 
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• Mystical Places Press 

• Mytch Meadows Music 

• Nancy K Salovich Consulting 

• Nancy Yeilding Professional Services 

• Net Solutions North America, LLC 

• Neuro-Fitness LLC 

• Ninesight 

• Noble Horse Gallery 

• Norman Newkirk 

• north city bistro 

• Northern Pacific Digital 

• Northfield Properties 

• Northfield Properties, Inc. 

• Northstar Nurseries, Inc. 

• Null Unit LLC 

• Nunya Foggin Business 

• Oak Fern, LLC 

• Old World Granite and Marble INC. 

• oly-wa.us 

• One Design Plus 

• Onko Ventures 

• Open Arms Daycare 

• Ovis Aries Farm 

• Parallax Perspectives 

• Patrick Archer Construction, Inc. 

• Physically Focused 

• Pike Market Medical Clinic 

• Player One Trailers 

• Power Assist 

• Prestige Healthcare Consulting, Inc. 

• QubaVR 

• Radish Design 

• Raeann K Scott Insurance 

• Rainbowzen Farm 

• RainDance Massage 

• Rare Vintage to New 

• Rattlesnake Plants 

• ReActiveMicro 

• Redstone Software Group, LLC 

• Rocky Votolato 

• RoddanMusic 

• Rogers EMS Consulting 

• Rolf Structural Integration 

• Rolling Crone Records 

• RPL Consulting LLC 

• RxsRKives studios 

• S.O.Bees 

• Sageland Consulting 

• Sam Is IT 

• same 

• Sandra Lynn Perkins PLLC 

• Sapphire Lake Market 

• SBG Burien 

• Science Hobbyist 

• Scientific Computing Associates, LLC 

• Scot's Scripts 

• Sea Change Psychotherapy Services 

• Seattle 'Puter Tutor 

• Seattle Bagel Bakery 

• Senza Fili 

• Share the Wealth Productions 

• Sharon Saint Don jewelry 

• Sign Language Blitz 

• Sigrid Asmus 

• Sigrid Elenga Translations and Editing 

• SJ Brooks-Young Consulting 

• Skeleton Creative 

• Small Business Owner 

• Social Roots 

• Soundview Property Solutions 

• Spark PC 

• Spearlogics Solutions LLC 

• Spiritual Wisdom Studio 

• St. Michael's Home Health Care 

• Stratton Kehl Publications Inc. 

• Stratton-Kehl Publications, Inc. 

• Studio Foglio, LLC 

• Susan Bradford Art 

• Sweet Corn Productions 

• SynerGreen 

• Tangled Sky Press 

• Taurus Technical 

• Teanaway Associates 

• Terry West Productions 

• TFE Solutions, Inc 

• The Arete Company 

·The Body Mechanic 

• The Creeping Moon 

• The Land of Canaan Foundation, Inc. 

• The Parenting Project 

• The Pin Cushion 

• The Quiet Gardener 

• The Trimble Team Inc 

• The Write Idea LLC 
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• Thomas Cox & Associates, INc 

• Thorne-Chambers Art 

• Thunderpenny LLC 

• TitanEZ.net 

• TLC Dog Care 

• Totten Tileworks 

• Trescott Research 

• Trigon Consulting 

• Trip Defense 

• Turtle Island Web Design 

• Uncommon Eye 

• University of Washington 

• Vavrek's Graphics 

• Vince Decker Homes 

• Vince's Appliance Service 

·Vintage Books 

• Vintage Gintage 

• Virta Laboratories, Inc. 

• Vision Technology 

• w3d design 

• Walrus Translations 

• Wandering Havoc Games LLC 

• Warm Window Designs 

• Watershed Garden Works 

• WayWord Writing & Editing Services 

• We've Got Mail 

• Wedgwood Montessori 

·Well ness Lab 

• Whidbey Cider Company 

·Whispering Woods 

• White Rabbit Private Investigation 

·Williams Web Solutions of Washington 

• WinCity Custom Software, Inc. 

·Wizard of Ads Asia Gregg 

• Woodsmen Candle Co. 

• WordsWorks 

•Wylde LLC 

•Yak 

• YARNSPOTIING 

• Yoda Soda Woodworking 
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WISCONSIN 

• ACE HARDWARE 

• AI Reed Builders, LLC 

• All American Home Buyers, LLC 

• Andersen Law Office 

·AniNIX 

• Artesian House Bed & Breakfast 

• Artha Sustainable Living Center 

• AtVantage Business Consultants 

• Bachman IT Solutions LLC 

• Back to Basics Builders 

• Barlow & Prepfire 

• Bear Lake Getaway LLC 

• Bear Lake Getaway LLC 

• Bent Oak Farm 

• bilworks 

• Bonnie Brooke Gardens 

• Cevilla Multimedia 

• CFL Financial 

• Chandler and Chandler, Associates, LLC 

• Clocktower Advisors, LLC 

• Co Lab Cooperative 

• CommitChange 

• Common Sense Enterprises, Inc. 

•CORE 

• Creative Techniques 

• Cygnus Home Improvement 

• D.E.Heitsman Concrete Contrs. 

• Debbie Harmon, MDiv/MAPC 

• Dugan Would Works 

• Dugan would works LLC 

• Dunkel & Kraklow Quality Dentistry 

• Ecocountertopsusa 

• Elemental Acupuncture 

• Emily Plants 

• Enemy Anemone 

• Engineering Research 

• Enneagram Solutions 

• Fractured Imagination LLC 

• Fractured Imagination, LLC 

• Freedom Farm 

• Full Circle Designs LLC 

• Furever home cat and home sitting 

• Glacial Springs INC. 

Inc. 

• Great Northern Landholding and Mining 

Company, Inc. 

• Greg's Fences 

• GriffinPro 

• Handyman Bob LeGault 

• Healing Line 

• Hickory Electric 

• Hollister Gardens LLC 

• Homeodynamics LLC 

• HortuSales LLC 

•IBEW-14 

• iCite Communications 

•Illuminate 

• lmmacuCiean Cleaning Service 

• Integrated Therapeutic Massage, LLC 

·janus construction 

·jester Studio 

·john Orchard Law Office 

• jonathan Blick- Audio Engineer 

• Kaltenberg Tree Farm 

• Kate Berg Photography 

• Kathie Hart and Associates 

• Kerlasia SME 

• Knopp!Welhouse Tuning 

• Kufrin Consulting 

• Lakeside Press 

• Lindell Acupuncture 

• Loving Light Healing, LLC 

• M.B. Health & Fitness 

• Mary Berryman Agard & Associates 

• Masaes BYB Designs 

• Maxwell Mansion 

• Mike's Mowing 

• MKE Production Rental 

• Morgan Solar Energy 

• New Moon lie 

• OHG Networking 

• Only Connect. .. Publications 

• Otter Creek valley farm 

• PC & Cell Solutions LLC 

Entertainment 

• Prem Mulberry 

• Professional Accounting Plus 

• Protege Arts, LLC 
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• QS Floors 

• QuasarSystems Inc 

• QuasarSystems, Inc 

• Red Mug Espresso, Inc 

• Redfish Collective 

• River Shores Book Club 

• RIVERWEST LIFE WEB DESIGN 

• Robert giede design 

• Rocky knoll ranch 

• Rusty Nail Design Co 

• Samantha johnson Illustration & Design 

• Santulli Schudda Law & Cox Office,llc 

• Sav-Ur-Ride 

• Serenity Textile Designs, LLC 

• sewmuchstyle.etsy.com 

• Specialty Auto, Inc. 

• stone fern gallery 

• Summerana LLC 

• Sunshine Piano 

• Supporting citizen 

• T. Kraemer's Perfect Cleaning 

• Tamara Adams Publishing 

• Tapestry of Stars Studios 

• TeCe Studio LLC. 

·Tech Lab Inc 

·The Bon Ton Millinery Apartments 

• The silent glide canoeand Kayak Shop LLC 

• Theater RED 

• Theorem Reach 

• TherAdapt Products Inc. 

• Todd Liebsch Web Accessibility 

• Todd Walker, DDS, SC 

• Total Party Kill Games 

• Treedax Services LLC 

·Triple R Consulting. LLC 

• Triptic Gaming 

• Tuna Fisch Fantasies: Art From the Heart 

•Twiggans 

·Two Dawgs 

• Union Cab of Madison 

• Vielibra 

• Vital Nutrition Center 

• West Valley Christmas Trees LLC 

• Westring Construction LLC 

• Westy92 LLC 

• WH F Enterprises LLC 
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WEST VIRGINIA 

• Affordable Housing LLC 

• Almost Heaven Group 

• Best Choice Ice, LLC 

• Changeling Press LLC 

• Criterion Machine Co LLC 

• Independent Contractor 

• L & E Self Storage 

• Locust Hil Farm 

• McCollom Family Farm 

• Montie VanNostrand, Attorney at Law, PLLC 

• TAW Investments, Ltd. 

• TAWinvestments, Ltd. 

• Total IT Management Solutions 

•TPAM 
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WYOMING 

• 64th Street Specialties 

• CMS Inspection 

• Drs. Marshall & Bougsty, Psychologists 

• Excursions Elite Corp. 

·God Inc 

• HSLDesigns 

• Krall Builders 

• Lehnens treehuggers/paintlovers 

• Mountain Drivetrain 

• Mullen Mediation 

• Obliviousluminscenc 

• PDL & Associates 

• Rough n Refined 

• Security Storage 
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Statement for the Record by Kathleen Warnick 

Chair, National Association of Women Business Owners Board 

Senate Small Business and Entrepreneurship Committee Hearing 

"The State of Small Business in America: 

An Update from the U.S. Small Business Administration" 

Tuesday, May 15,2018 

Chairman Risch and Ranking Member Cardin, I would like to submit the following 

statement into the record following the May 15, 2018, hearing where the witness, the Honorable 

Linda E. McMahon, Administrator of the U.S. Small Business Administration, addressed the 

Senate Committee on Small Business and Entrepreneurship on "The State of Small Business in 

America: An Update from the U.S. Small Business Administration (SBA)." As Chair of the 

National Association of Women Business Owners (NA WBO) Board of Directors, I would like to 

provide insight into the state of women small business ownership in America. 

Founded in 1975, NAWBO is the unified voice of America's more than 10 million 

women-owned businesses representing the fastest growing segment of the economy. NA WBO is 

the only dues-based organization representing the interests of all women entrepreneurs across all 

industries. Our organization develops programs that help navigate women entrepreneurs 

through the various stages of their business growth. 

During the hearing, I was very pleased to hear that the SBA will be opening nine new 

Women's Business Centers this year bringing the total nationally to 109 centers, and I was 

especially glad to see that more and more businesses were gaining the capital necessary to grow 

their business. Many of our members have utilized the Women's Business Centers or availed 

themselves of the SBA loan programs. We value the work SBA does to educate and empower 

small business owners and look forward to continuing to work with them. However, there are 

some specific concerns that I would like to bring to the attention of policymakers regarding the 

state of women-owned business in the US economy today. 

This spring members of NA WBO submitted responses to our annual survey of 

membership. With their responses, we have some positive news to report. This year's survey 

shows a positive uptick in the economy for women-owned businesses with more than half of 

respondents, fifty-six percent, saying they plan to increase locations and hire more staff. We are 

excited to see these results continue as we saw similar numbers the previous year. However, 
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there are some areas of concern that I believe Committee members should address as they 

represent their constituents. 

When questioning our members about access to capital, eighty percent responded that 

they do not plan to pursue financing options in 2018. We know the number one concern for 

business owners is access to capital. Unfortunately, our organization is consistently finding that 

women business owners say financing is a daunting task, and after receiving one denial, they 

choose to never play their odds again. Even though it will take capital to scale their business, 

many members do not reach out to their local banks to get a line of credit, and never take 

advantage of any SBA lending programs regardless of whether or not they know about them. In 

fact, fifty-four percent of our members have carried their business costs on a personal credit card 

instead of approaching their local bank. 

While taxes and regulations are still the top issues impacting their business, workforce 

issues, including healthcare and pension reform, ranked as the second most important. While our 

members put these issues on the forefront, our members are ignoring some critical pieces of 

business ownership in today's economic landscape and with the current business vulnerabilities. 

It is startling to see that half of these women have not taken any steps to prevent or prepare for a 

cyber security incident. It is our understanding that cybersecurity remains a pivotal issue for 

Congress, and we hope our statistics will help reinforce the critical need. In addition, although 

many of these women are preparing for retirement through savings, more than half of them have 

not done any succession planning for their business. As the baby boomer population ages, to 

keep a vibrant business climate, we must ensure that businesses have a path forward for the next 

generation. 

I believe our lawmakers need to begin to address some of these critical issues before they 

begin to impede our small business economy. We know our concerns may be only the tip of the 

iceberg. NA WBO represents a diverse subset of all business owners, with members across the 

country, we believe the above results are indicative of a national trend. We need to ensure we are 

educating business owners and creating policies that guarantee these professionals take the steps 

to prepare for these areas of concern. We stand ready to work collaboratively with you on next 

steps. Thank you for your time and consideration. We appreciate all that you do on behalf of the 

nation's small businesses. 
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Senate Committee on Small Business and Entrepreneurship Hearing 

May 15,2018 

Follow-Up Questions for the Record 

Questions for Administrator McMahon 

Chairman Risch 

Boots to Business 

A 2016 Boots to Business whitepaper entitled, "Operation Boots to Business, Veteran 

Entrepreneurship Assessment," stated that "it's critical to collect data on Boots to Business 

program participants over time (longitudinal assessment), to most appropriately capture the 

impact of the Boots to Business program on new venture creation." 

QUESTION 1: 

As no longitudinal assessment currently exists, what measures are the Office of Veterans' 

Business Development taking to ensure that the outcomes of the Boots to Business program are 

being analyzed to allow the SBA to better serve the men and women of our military? 

ANSWER: Last year, SBA contracted for a formative program evaluation of Boots to Business 

(B2B) to gain a better understanding of what factors influence participation in the B2B program. 

Assessing and understanding these factors will help SBA improve the overall program which in 

tum will better serve transitioning service members. The evaluation's aim is to assess "shortterm outcomes" (increase knowledge of entrepreneurship, motivation, confidence, etc.) and how 

well the program helps transitioning service members make an informed decision whether 

business ownership is the right path for them. Installation Transition Service Managers, SBA 

Veteran Business Development Officers located in the District Offices, and SBA Resource 

partners who also teach the B2B course, will provide input for the evaluation. Anticipated 

deliverables are due by September 30'h and include a report of Qualitative Interview Findings, a 

Comparative Analysis of existing survey tools, and a comprehensive report on the Evaluation 

Study Findings. 

VBOC Colocation with SBDC's 

With only twenty Veterans Business Outreach Centers (VBOCs) around the country, aiding 

veterans in rural communities can be a challenge. In my home state of Idaho, the VBOC for 

Region X is hundreds of miles away in Seattle, Washington. Currently, a number ofVBOC's are 

co-located with Small Business Development Centers (SBDC's) and Women's Business Centers 

(WBC's), and struggle to reach many rural areas. 

QUESTION2: 

What impact would co-locating more entrepreneurial development organizations have on the 

SBA' s ability to aid rural veteran entrepreneurs? 
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ANSWER: Reaching all rural entrepreneurs, including veterans, is a priority of this 

Administration. Many of SBA's entrepreneurial development programs have placed a premium 

on reaching these individuals. For example: 

• SBDCs showing a rural focus to qualify for portable assistance grants; 

• Potential new WBC applicants are assessed on their plans to reach rural entrepreneurs; 

• SCORE focus on online training webinars to reach entrepreneurs in remote locations. 

SBA is also working on a program to expand the outreach to women entrepreneurs leveraging a 

user-friendly interactive digital portal, which we would expand to other verticals and further 

enable our outreach to rural entrepreneurs. 

SDVOSBNOSB Certification Status 

As you know, responsibility for the Service Disabled Veteran Owned Small Business and 

Veteran Owned Small Business certification processes is being transferred from the Veterans 

Administration (VA) to SBA. 

QUESTION3: 

What is the status of the transfer and what steps are you taking to improve this program to reduce 

fraud and enhance efficiency? 

ANSWER: SBA and the Department of Veterans Affairs (VA) have set up a joint team to 

explore synergies between the two agencies and maximize the use of the certification program 

across all agencies. The SBA holds monthly meetings with the VA to discuss both the viability 

of the transfer and the process for potentially executing it. These discussions have focused on 

resources, technology, and process analysis. Both agencies are holistically examining this 

endeavor to inform any determinations regarding implementation and potential next steps. 

Federal Procurement: The SBA Set-Aside Program 

Since becoming the Administrator, I know that you have traveled extensively around the country 

visiting small businesses, listening to their concerns, and educating them about the many 

resources the SBA offers. You have also spent time in very remote locations visiting with rural 

small business owners. For instance, last summer you traveled to Alaska to meet with several 

Alaska native corporations and other small business owners around the state. Oftentimes, these 

small businesses can become very dependent on the SBA set-aside program for business, and 

will have a tough time transitioning after they "graduate" or no longer qualifY for a small 

business set-aside. 

QUESTION4: 

Can you talk about the feedback you received about the SBA set-aside program in general while 

visiting with some of these small businesses? 

ANSWER: My travel to areas like Alaska has provided an opportunity to better understand the 

perspective of those that are part of our contracting programs. The federal market is big and very 

competitive. The intent of the 8(a) BD program is to develop firms so that they can compete in 

the federal marketplace, and thus firms are required to increase their efforts to secure non-8(a) 
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contracts as they approach graduation. As contracts get bigger, small firms will need to adapt to 

the changing marketplace and utilize teaming, mentor/protege arrangements, joint ventures and 

subcontracts to maximize their participation. 

QUESTIONS: 

Can you also touch on some of the struggles they face as a rural small business trying to compete 

in the federal procurement system? 

ANSWER: Firms in rural areas have challenges in terms of capital, resources and contract 

opportunities. One important tool to help address those challenges is the HUBZone program, 

which promotes economic activity and employment in underutilized areas, including rural areas. 

Sole Source Authority 

Small business procurement program requirements are complex, which often dissuades 

contracting officers from utilizing them. One such example is the differences in sole source 

authority. The Historically Underutilized Business Zone, Women-Owned, and Veteran-Owned 

sole source justifications vary from the sole source authority for the 8(a) program. 

QUESTION6: 

Would the SBA support bringing parity to the socio-economic contracting programs it 

administers? 

ANSWER: I support increasing access to government contract dollars for small business 

participants in the HUBZone, WOSB, and SDVO programs, to the extent practicable and 

permissible under current law. There is parity among the four small business programs in that all 

four small business programs allow for non-competitive actions in certain situations. However, 

the S(a) programs, due to its business developmental focus, does not have a cap on the dollar 

amount for sole-source actions. If those programs receive a similar sole source authority as the 

8(a) program sole source authority, it may impact whether agencies maintain their current level 

of awards through the 8(a) program. 

QUESTION7: 

Is there a compelling reason why sole source authority should vary among these groups? 

ANSWER: One difference among the programs is that the 8(a) program is a business 

development program, whereas the HUBZone, SDVO, and WOSB programs are not. This means 

that SBA fosters and supports the business development of 8(a) program participants. 

Baseline Subsidy for 7(a) Loan Guaranty Program 

The FY 2019 budget request from SBA did not include a baseline subsidy for the 7(a) loan 

program, a shift from past budget requests that have always included a baseline subsidy for the 

program. This shift means the budget request did not include an announced fee structure for 

borrowers and lenders that would keep the program at zero subsidy. As Chairman, one of my 

main concerns is certaintv in the loan nrmzrams. To that end. SBA would need to make an 
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announcement is crucial for the small businesses and lending participants in this important 

program. 

QUESTIONS: 

Can you commit to this Committee that you will announce a baseline subsidy and a FY 2019 fee 

structure for borrowers and lenders that complies with current statute ahead of October I st? 

ANSWER: The agency will be guided by and will be better able to develop a baseline subsidy as 

the Appropriations committees continue their work on the FY 2019 spending bills. 

The 7(a) Oversight Bill 

For nearly the past three years, almost two of which I have been Chairman, this Committee has 

been working on a reform bill that will modernize oversight of the 7(a) lending program, which 

has grown rapidly over the past several years. I am pleased that this Committee reported a 

bipartisan bill during a markup on March 14th. Prior to its passage, this Committee and the 

House Small Business Committee worked together and consulted not only with industry, but 

with SBA, on substantive and technical changes to improve the bill. Just last week, the House 

passed the bill and now it is the Senate's turn to do the same before sending it to the President's 

desk. 

QUESTION9: 

As Chairman, I am concerned that without a bill to ensure oversight is a top priority with much 

needed modernizations for lenders, borrowers, and the agency, the program will not be as stable 

in the corning years and will face resistance from Congress should SBA continue to ask for 

increases to the size of the program. Can you speak to your support for the lending programs at 

SBA and your opinion of the oversight bills that have been worked on in a bipartisan, bicameral 

way? 

ANSWER: We appreciated the opportunity to work with the committee to provide technical 

assistance and perspective on the legislation, and the inclusion of an agency priority from our 

Congressional Budget Justification. That provision would allow me to address our 7(a) funding 

authority should the program office reach our annual lending capacity. Our Office of Capital 

Access, lending programs, and oversight functions have my full support. 

Working with Advocacy on SBREF A Compliance 

In October of2017, the Consumer Finance Protection Bureau (CFPB) issued its Final Rule 

Regarding Payday, Vehicle Title, and Certain High-Cost Installment Loans ("Small Dollar 

Rule"). The CFPB is one of three agencies that are subject to the requirements of the Small 

Business Regulatory Enforcement Fairness Act (SBREF A), as provided for by the Regulatory 

Flexibility Act (RFA). During the comment period related to the Small Dollar Rule, the SBA's 

Office of Advocacy submitted a letter to the record concluding that "the economic impact of the 

proposed rule on small entities and consumers may be greater than what is indicated in the 

CFPB's Regulatory Flexibility Act (RFA) analysis." Advocacy encouraged the CFPB to 

reevaluate the economic impact of the proposed rule and consider less burdensome alternatives 

for small entities. Advocacy also requested that the CFPB "reconsider its proposal and develop 

requirements that protect the consumers without jeopardizing their access to legitimate credit in 
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states that do not currently regulate payday lending," urging them to perform additional research 

prior to promulgating the regulation. 

In spite of the Office of Advocacy warning the CFPB about the potential consequences of its 

proposed "Small Dollar Rule" on small businesses, CFPB did nothing to reevaluate the rule 

before issuing it. Further, our Committee has heard from many of the Small Entity 

Representatives (SERs) that participated in the SBREFA process conducted by CFPB that none 

of their concerns were considered and none of the less burdensome alternatives they suggested 

were given any credence by CFPB. 

QUESTION 10: 

Although the Office of Advocacy is independent of the SBA, what can "big SBA" do to help 

small businesses who are being railroaded by agencies who refuse to abide by the Regulatory 

Flexibility Act? 

ANSWER: SBA plays a critical role in the Administration's ongoing efforts to reduce regulatory 

barriers to entrepreneurship, innovation, and U.S. competitiveness, and to foster a small 

business-friendly environment by reducing unfair regulatory burdens. That effort is not limited to 

SBA's Office of Advocacy. SBA's Office of the National Ombudsman (ONO), for example, has 

a statutory responsibility to work with agencies to assist small businesses to overcome unfair or 

excessive regulatory compliance or enforcement burdens. In FY20 17, ONO received 460 

comments from 394 small businesses involving 27 agencies and sub-agencies. 

QUESTION 11: 

How can you combine your agency's regulatory reform efforts with Advocacy's govermnentwide regulatory work on behalf of small businesses? 

ANSWER: SBA is engaged in a robust effort to carry out the regulatory reform initiative 

established under Executive Order 13771. SBA's Office of Advocacy is an active participant in 

this initiative through, among other things, the involvement of the Acting Chief Counsel as a 

member of SBA's Regulatory Reform Task Force. Our focus internally is on identifYing SBA 

regulations that can be repealed, replaced or modified because, among other reasons, they are 

outdated, unnecessary, or ineffective; they inhibit job creation; or they impose costs that exceed 

benefits. Small businesses will be the principal beneficiaries of this initiative. But we are also 

committed to reducing regulatory burden govermnent-wide. SBA, through its Office of 

Advocacy and otherwise, has received input from the public on the regulatory burdens present in 

the regulations of other federal govermnent agencies. Some of this input has been communicated 

to us firsthand through our participation in the Regional Regulatory Roundtables held by our 

Office of Advocacy; other input has been received through public comments on SBA's Request 

for Information published in the Federal Register. Through our combined efforts, we provide an 

opportunity for the voice of small business to be heard and addressed. 

Coordination with OIRA 

A common issue facing small businesses is the overall stock and flow of federal regulation. For 

example, small businesses can face the implementation of multiple regulations from several 

agencies within a short period of time. We often hear from small businesses that they lack the 
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resources to withstand this compounding effect as compared to their larger, deeper pocket 

competitors. According to new data from the Mercatus Center at George Mason University, a 10 

percent increase in regulatory restrictions on a particular industry is associated with a decrease of 

about 0.5 percent of the total number of small firms within that industry. By contrast, there is no 

similar change in the number of large firms associated with such an increase in regulation. 

QUESTION 12: 

How has SBA worked with the Office oflnformation and Regulatory Affairs (OIRA), other 

executive branch agencies, and independent regulatory agencies to identify and mitigate harmful 

regulatory "pile-on" effects for small businesses? 

ANSWER: SBA coordinates with OIRA and other rulemaking agencies, through the EO 12866 

interagency review process, to identify the regulations that impact small business and determine 

how such impacts may be lessened, waived, or removed. In addition, the Office of Advocacy, 

through its responsibilities under the Regulatory Flexibility Act, is charged with identifying and 

mitigating significant economic effects upon a substantial number of small entities and works 

closely with OIRA in that effort. SBA's Office of National Ombudsman (ONO) works with each 

agency with regulatory authority over small businesses to ensure that small business concerns 

that receive or are subject to an audit, on-site inspection, compliance assistance effort, or other 

enforcement related communication or contact by agency personnel are provided with a means to 

comment on the enforcement activity. 

QUESTION 13: 

What, if anything, has worked well? Is there room for further improvement? 

ANSWER: We believe that the current process works well, but we are always looking for ways 

to improve it. The President has implemented many regulatory process improvements through 

Executive Order 13771, Reducing Regulation and Controlling Regulatory Costs (January 30, 

2017) and Executive Order 13777, Enforcing the Regulatory Reform Agenda (February 24, 

2017). I have directed SBA's Regulatory Reform Task Force and SBA's Regulatory Reform 

Officer to implement these orders to make regulatory improvements at SBA. 

QUESTION 14: 

From your experience, how do regulatory agencies stay informed of what their counterparts are 

doing? 

ANSWER: There are at least two avenues for determining ongoing or planned regulatory actions 

at other agencies: (l) the Unified Regulatory Agenda, published twice a year; and (2) the 

interagency regulatory review process conducted by the Office of Information and Regulatory 

Affairs under Executive Order 12866, Regulatory Planning and Review. SBA also regularly 

reviews the Federal Register for published proposed and final rules that might have implications 

for SBA and its programs and for small businesses generally. 
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Alternative Sources of Capital 

There is significant interest in innovative options for capital access. Recent research from the 

Mercatus Center at George Mason University found that a majority (55%) of companies said 

they would consider taking a business loan from a nonbank Internet lender, drawn by lower cost 

(54%), better repayment terms (43%), an easier process (42%), and a faster process (37%). 

QUESTION 15: 

What opportunities do you see for small businesses to use non-traditional sources of financing 

such as marketplace lending to augment their access to capital, and how can new and emerging 

digital technologies facilitate that? 

ANSWER: SBA continues our support for new and innovative access to resources for 

entrepreneurs. We recognize that SBA and its programs need to stay relevant and accessible to 

small businesses. SBA is conducting research to better understand marketplace lending and its 

potential relationship to SBA loan programs. 

QUESTION 16: 

Are changes needed in the existing statutory and regulatory enviromnent to foster the 

development of useful Financial Technology (FinTech)? 

ANSWER: SBA is currently reviewing the relevant statutory and regulatory enviromnent to 

assess leverage points where existing Fin Tech solutions might provide responsible, transparent, 

and readily accessible credit solutions. SBA has begun a series of meetings with federal 

regulators and dialogue with online lending platforms to consider opportunities related to small 

business borrowers. SBA's analysis of Fin Tech alternative credit scoring and "credit elsewhere" 

models may lead to more specific views associated with adoption of select marketplace 

practices. 

QUESTION 17: 

Would the SBA support a federal Fin Tech regulatory sandbox for new businesses and small 

businesses? If so, what kind of resources could SBA bring to provide support? 

ANSWER: SBA would consider participation in a federal regulatory sandbox. We could provide 

appropriate resources that include thought leadership related to origination and servicing of 

business loans, policy expertise, and risk management expertise. 

NAFTA and Access to Trade 

In recent years the United States raised its de minimis threshold for imports to $800. Our North 

American Free Trade Agreement (NAFTA) partners, Canada and Mexico, have maintained their 

thresholds at $16 and $50 respectively. These low thresholds by our trading partners serve as a 

barrier to entry for many US small businesses looking to expand into the global marketplace. 

According to the Mercatus Center at George Mason University, over 3.8 million US small 

businesses stand to benefit for an increase in the Canadian and Mexican de minimis thresholds. 
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QUESTION 18: 

How has the SBA worked with the Department of Commerce, United States Trade 

Representative (USTR), NAFT A negotiators, and the respective governments of Canada and 

Mexico to encourage an increase in de minimis thresholds? If no action to date, what could SBA 

do to encourage the addition of this issue to US trade negotiations? 

ANSWER: SBA has participated actively in the interagency Trade Policy Staff Committee 

(TPSC), led by the Office of the U.S. Trade Representative (USTR), in defining the U.S. 

negotiating position on de minimis thresholds for the NAFT A 2.0. talks. Similarly, SBA trade 

policy specialists participated in the U.S. delegation for seven rounds ofNAFTA Modernization 

negotiations, including negotiations of the Customs and Trade Facilitation Chapter, where they 

support the U.S. position that Mexico and Canada significantly increase their respective de 

minimis thresholds. 

Prior to the negotiations, SBA' s Office of International Trade held meetings with senior USTR 

officials to underscore the importance of raising de minimis thresholds among the NAFTA 

partners, because the uneven thresholds disproportionately burden U.S. small business exporters 

and serve to stifle cross-border e-commerce. 

While the NAFT A Modernization negotiations are ongoing, SBA trade policy specialists are 

continuing to: 1) solicit and receive small business views; 2) provide subject matter input to the 

U.S. negotiation team to strengthen our goals on de minimis, among other things; 3) brainstorm 

with USTR on de minimis threshold strategies with respect to Canada and Mexico; and 4) work 

with USTR to ensure that our NAFT A partners afford small business exporters equal access and 

equitable trade benefits from any revision of their de minimis thresholds. 

More broadly, SBA continues to solicit additional information about U.S. small business 

exporter experiences to keep the USTR and the TPSC apprised of small business challenges 

concerning de minimis thresholds. SBA advocates globally for commercially meaningful de 

minimis thresholds by championing ambitious implementation of the WTO Trade Facilitation 

Agreement. 

QUESTION 19: 

To what degree is SBA assistance to small businesses struggling with barriers to entry in trade 

focused on providing financial support versus changes in trade policy, like lower de minimis 

thresholds? From your perspective is the SBA providing a good rate of return to small businesses 

based on its efforts? 

ANSWER: Approximately 98% of America's exporters are small businesses, which account for 

over one-third of all U.S. export dollars, or $730 billion per year. American small businesses 

often lack adequate resources and representation in key global and emerging markets, relative to 

large firms. SBA's international trade assistance to U.S. small business is focused on helping 

solve domestic market failures. First, the State Trade Expansion Program (STEP) funds help "derisk" training for new markets, travel costs, and foreign marketing activities for U.S. small 

businesses that otherwise might not seek or find international buyers. Second, SBA's trade 
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finance loan guarantees help "de-risk" banks loans for U.S. small business that otherwise might 

be turned down for international financing. 

SBA knits together three small business services for: l) connecting with international buyers 

through STEP; 2) providing international finance guarantees through SBA loans; and 3) 

facilitating international customs transactions and release through SBA's international 

negotiations and advocacy, as well as counseling. These three services offer a complementary 

and integrated set of practical solutions for overcoming some of the most fundamental and costly 

obstacles to U.S small business internationalization. 

The Tax Reform Law 

Congress passed a tax reform bill in December 2017 and President Trump signed it into law on 

December 22, 2017. In the first month after tax reform was enacted, the National Federation of 

Independent Business (NFIB) research highlighted several milestones: compensation increases 

for workers were at the highest level in nearly 20 years and a record percentage of owners say 

now is a "good time to expand." Small business owners are reporting improved earnings trends, 

with February's report reaching its second-highest point since 1987. Businesses are making new 

capital outlays and increasing inventories. NFIB's March Small Business Economic Trends 

survey, has the fewest number of small-business owners in 35 years reporting taxes as their 

number one problem. 

QUESTION 20: 

Since passage of the tax reform law, we've heard a lot of commentary about how it's working or 

not working. Administrator McMahon, you've been traveling the country on your Ignite Tour. 

What have you been hearing from small businesses on the ground about the tax reform law and 

how it's benefiting their businesses? 

ANSWER: Before the tax reform law was passed, I heard from so many business owners about 

their desire for tax certainty and lower rates. They told me, as a result of tax reform, they would 

reinvest in their businesses, hire additional workers, purchase new equipment, and add more 

production lines. Since passage of the new law, I have seen the realization of that. Business 

owners feel they can now better plan for the future with greater certainty and understanding of 

the tax structure. 

Rural Small Business Outreach and Support 

Earlier this Congress I held a hearing on the challenges that small businesses and entrepreneurs 

in rural parts of our country face. The Great Recession devastated businesses in all comers of our 

nation, but the recovery and optimism we have seen over the past few years has left many 

businesses and entrepreneurs that are located in rural areas behind. 

QUESTION 21: 

What outreach have you done in rural areas of our country during your time as SBA 

Administrator? What more can the federal government do to ensure that the many family farms 

and companies that operate as small businesses are not left out of the resources that exist to 

support them as work to grow their businesses and support their families and communities? 
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ANSWER: As you know, I have traveled throughout the country over the last year including 

many rural and farming communities. While some challenges are common among business 

owners, like access to capital, for those in rural areas we want to ensure that they have a full 

understanding of the resources of the SBA, as available through our district offices as well as our 

resource partner network. In March, I was honored to travel with U.S. Department of Agriculture 

(USDA) Secretary Perdue in rural Ohio and to sign a Memorandum of Understanding (MOU) 

between the two agencies. The MOU is intended to bring our complementary strengths together 

to provide additional economic opportunities for rural small businesses. These specific areas of 

collaboration will include our lending, contracting and entrepreneurial development programs. 

Cooperation with the USDA 

A few weeks ago SBA signed a Memorandum of Understanding (MOU) with United States 

Department of Agriculture (USDA) Secretary Purdue on rural lending and assistance. One of the 

key facets in successful lending in rural communities is lender confidence in the borrowers. 

QUESTION 22: 

As you have moved forward with this agreement, have you talked with Small Business 

Development Centers (SBDCs) or the Service Core of Retired Executives (SCORE), both of 

whom have MOUs with USDA and could provide valuable assistance in this area? 

ANSWER: Once the details and parameters of our collaboration is finalized between the U.S. 

Department of Agriculture and SBA, our Office of Entrepreneurial Development will then 

engage and follow through with Small Business Development Centers and SCORE. 

QUESTION 23: 

SBDCs are funded on a biennial basis, but SBA has been limiting funding under Continuing 

Resolutions. Can you please explain why this practice is ongoing, despite SBDCs having 

approval for 2 year funding? 

ANSWER: Funding has not been withheld. Under a Continuing Resolution, the SBA provides 

funding as is appropriated, and then allocated to the SBDC program. Although SBDCs funds are 

available for two years, the SBDC program is funded on an annual basis. It is worth noting that 

beginning in FY 2017, the SBA changed the period of performance for the SBDCs cooperative 

agreements to two years. Further, as of June 3, 2018, the SBDCs were carrying in excess of$20 

million of unspent 2017-18 funds in addition to the appropriated $130 million for 2018-19 funds. 

Please note that if unspent, over $5 million of these funds will expire on September 30,2018, 

with the remaining $15 million expiring on December 31,2018. 

QUESTION 24: 

SBDCs are being told to prepare budget proposals based on the President's budget, not based on 

Congressional appropriations. Why is that required? SBDCs have conveyed that this requirement 

is negatively affecting their relationships with their host institutions and it makes hiring and 

program continuity much more challenging. 

ANSWER: SBA is required to follow the guidance provided by the Office of Management and 

Budget (OMB). OMB's Circular A-ll requires federal agencies to plan their budgets in 
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accordance with the President's proposed budget. In turn, SBA requests each SBDC network to 

submit budget proposals sometime in the month of July. When funding is approved by Congress, 

the SBDCs are asked to submit revised budgets that align with the congressionally appropriated 

funds. Using a budget planning amount other than the President's budget could lead to an AntiDeficiency Act violation. 

The SBIR/STTR Pilot Programs 

The Small Business Innovation Research (SBIR) program and the Small Business Technology 

Transfer (STTR) program were reauthorized until FY 2022 in the FY 2016 National Defense 

Authorization Act. However, four pilot programs under the program were not extended under 

that reauthorization and expired on October 1, 2017. These programs, the Phase Flexibility Pilot 

Program, the Phase 0 Proof of Concept Partnership Pilot Program, the Commercialization 

Readiness Pilot Program, and the SBIR/STTR Administrative Funding Pilot Program, are 

supported by a number of senators and agencies who are advocating for them to be reauthorized. 

The SBIR and STIR programs have proven to be an extremely successful public/private 

partnership over the last 30 years. Four pilot programs within the SBIR/STTR programs expired 

on October 1, 2017. As Chairman, I introduced a bill to reauthorize these programs until 2019 

with then-Ranking Member Shaheen, and we reported that bill on March 14th. 

QUESTION 25: 

Can you speak to your thoughts on the SBIR/STTR programs and what you and your staff are 

hearing from agencies about how entrepreneurs and small firms will be adversely affected if 

these pilot programs aren't reauthorized? 

ANSWER: SBA supports the SBIR and STTR programs, as well as the reauthorization of all 

four expired programs. Each of the expired pilot programs provided resources to assist small 

businesses at each stage of the program, for example, with proposal preparation assistance, 

access to a greater number of SBIR awards, or training and technical assistance. The SBIR/STTR 

Administrative Funding Pilot Program had a particularly significant impact on small businesses 

because the majority of participating federal agencies implemented activities that reached 

historically underserved small businesses and entrepreneurs throughout the country by providing 

outreach, assistance in proposal development, training, and commercialization support. 

SBIR Funding Levels 

The Small Business Innovation Research (SBIR) program is a highly competitive, awards-based 

program that encourages domestic small businesses to engage in federal research/research and 

development (RIR&D) that has the potential for commercialization. By including qualified small 

businesses in the nation's R&D arena, high-tech innovation is stimulated and meets its specific 

research and development needs. The program requires agencies who have more than $100 

million in extramural research and development funding to set aside 3.2 percent of that money 

for the SBIR program. SBA manages relationships with II different agencies who operate SBIR 

programs. The Committee has received reports that funding levels for the SBIR program are 

declining, and have been for the past few years. 
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QUESTION 26: 

Given the importance of SBIR program to small businesses across the country, what steps is 

SBA taking to ensure that agencies are meeting their statutory funding requirements to support 

this valuable program? 

ANSWER: SBA has increased its level of analysis of agency reported obligation and spending 

data; however, SBA faces challenges with the collection of this data and with determining the 

basis for an agency's minimum spending requirement, in part due to the nature of the budget 

cycle. Often agencies are not aware of their precise extramural research budget until the third or 

fourth quarter of the fiscal year. SBA will continue to work with the participating agencies to 

address these issues. 

Improvements in the SBIC Program 

QUESTION 27: 

The Small Business Investment Company Program (SBIC) is a reliable job creating tool the SBA 

has for empowering growing small businesses. Would you please share with the Committee your 

assessment of how the program has performed under your tenure and what improvements you 

plan to make to increase domestic small business investment via the SBIA program? 

Additionally, could you share your goals for the program and what your staff is doing to work 

with the SBIC community to ensure its stability and growth? 

ANSWER: In FY 2017, SBICs provided over $5.7 billion in capital to 1,077 small businesses. 

Of these small businesses, 29% either were in low and moderate income areas or were women, 

minority, or veteran owned, representing the highest percentage in these underserved areas over 

the past 5 years. 

The SBIC program seeks to stimulate and supplement the flow of private equity capital and longterm loan funds that small businesses need for the sound fmancing of their business operations 

and for their growth, expansion, and modernization, when such capital and funds are not 

available in adequate supply in the private capital markets. One of the key challenges that SBA is 

addressing to improve the health of the program is to reverse the drop in the demand for SBIC 

licenses. SBA is currently developing a marketing plan to target prospective SBIC applicants 

who are interested in focusing on financings to small businesses located in geographic areas, 

including rural areas that have an inadequate supply of investment capital. 

Consistent with Executive Order 13777, "Enforcing the Regulatory Reform Agenda," another of 

our initiatives is regulatory reform. In May of this year, SBA began holding round tables with 

SBIC program participants to listen to areas of concern and identify ways to reduce or streamline 

regulations and improve the SBIC program. On 05/30/18, SBA hosted a round table in Chicago 

with approximately 20 SBICs. Additional round tables will take place with SBIC third party 

service providers, such as lawyers and accountants, in July 2018, and with SBIC limited partners 

in August 2018. 
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QUESTION 28: 

Finally, can you also provide the most recent data relevant to the SBIC program, including the 

number of licenses issued to first time applicants and the number of licenses issued to subsequent 

license applicants, as well as any data related to SBIC primes? 

ANSWER: In FY 2017, SBA licensed 15 SBICs, one of which was a first time fund. At the end 

ofFY 2017, there were 26 prospective SBIC license applicants that had received an invitation to 

file a formal SBA license application, but had not yet filed because they were still raising private 

investment capital. The prospective applicant total of 26 is the highest number of applicants in 

several years. 

For the six month fiscal period ended March 31, 2018, SBA licensed II SBICs, three of which 

were first time SBICs. The total number of new licensees represents a 22% increase over the 

same six month period in the prior fiscal year. 

SBA's Regulatory Reduction 

President Trump has called for federal agencies to reduce their regulatory burdens. He issued 

Executive Order 13 777, "Enforcing the Regulatory Reform Agenda," requiring that agencies 

repeal two regulations on the books before a promulgating a new regulation. And he issued 

Executive Order 13771, "Reducing Regulation and Controlling Regulatory Costs," designating a 

"Regulatory Reform Officer" at each agency to ensure compliance with regulatory orders. 

Surveys show that small business optimism is soaring largely in part to the reduction of 

regulations and the promise of more regulatory certainty. Previously the consistent top concern 

for businesses - the cost of regulations - now dwindles behind the concern of being able to find 

qualified labor, according to the National Federation oflndependent Business. 

QUESTION 29: 

The President has asked that federal agencies reduce the cost and number of their regulations by 

rescinding two regulations for every new one promulgated. Given the particular burden of 

regulations on small businesses, I know that the SBA takes this order very seriously. What has 

the SBA done to help reduce the impact of its regulations on small businesses? 

ANSWER: SBA continues to implement its comprehensive plan to systematically identify and 

remove unnecessary or burdensome regulations. For example, in FY2017, SBA published a final 

rule titled "Miscellaneous Amendments to Business Loan Programs and Surety Bond Guarantee 

Program," which resulted in a cost savings of$3.6 million. 

QUESTION 30: 

Which specific regulations have you rescinded or plan to rescind? 

ANSWER: SBA has several planned rulemakings we are in the process of analyzing which will 

potentially help reduce costs/burdens on small business. The planned actions are listed in SBA's 

Spring 2018 Semiannual Regulatory Agenda. These include (I) Amendments to International 

Trade Loan Programs, (2) Small Business Investment Company --Regulatory Streamlining and 

Improvements, (3) Streamlining and Modernizing Certified Development Company Program 

(504 Loan Program) Corporate Governance Requirements, and (4) Streamlining and 
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Modernizing the 7(a), Microloan, and 504 Loan Programs to Reduce Unnecessary Regulatory 

Burden. 

QUESTION 31: 

What other regulatory reform efforts are you making? 

ANSWER: In addition to the efforts of our Regulatory Reform Task Force, I and my staff 

frequently hear small businesses' concerns regarding regulations of other Federal regulatory 

agencies, such as the Environmental Protection Agency, Occupational Safety and Health 

Administration, Internal Revenue Service. It is critical that SBA have a confirmed Chief 

Counsel of Advocacy to lead the efforts in reviewing rules by these regulatory agencies, which 

have such outsized effects on small businesses. 

Small Business Cybersecurity 

Cyber criminals are increasingly targeting small businesses, who lack the know-how to fend off 

threats and the capital to get back up after an attack. Ranking Member Cardin and myself sent a 

follow-up letter to the SBA after our cybersecurity hearing asking that SBA move quickly to 

make improvements to the cybersecurity offerings and programming it provides to small 

business owners, including implementing the ideas from the Committee's proposed legislation: 

The MAIN STREET Cybersecurity Act (Peters-Risch), would require NIST to disseminate a 

small business-friendly version of its renowned cybersecurity framework. 

The Small Business Cyber Training Act (Risch, et. al.), would require a certain number of SBDC 

counselors in each office to be certified in giving cyber assistance. This bipartisan bill passed 

committee earlier this year. 

The Small Business Cybersecurity Enhancements Act (Risch-Peters) establishes "cyber 

assistance units" at each SBDC to give small businesses a local point of contact where they can 

share information about cyber threats and breaches. 

QUESTION 32: 

Cyberattacks are increasingly targeting small businesses, who lack the technical expertise and 

the capital to fight off a growing field of criminals- domestic, foreign, and even state-sponsored. 

What is the SBA doing to help small businesses with cyber preparedness? 

ANSWER: In the past year, SBA, working jointly with the Department of Homeland Security 

(DHS), and in consultation with the National Institute of Standards and Technology (NIST) and 

America's Small Business Development Centers (ASBDC), prepared and submitted the "Small 

Business Development Center Cyber Strategy Report" as required under Section 1841 of the 

National Defense Authorization Act for Fiscal Year 2017 (Pub. L. No. 114-328). The purpose of 

that report was to recommend actions to support small businesses throughout the U.S. by 

enhancing and integrating existing federal programs, projects and activities to support SBDCs as 

they work to extend cyber support to U.S. small businesses. In addition, the report supplied 

information on available federal tools and resources that can be used to immediately implement 

and strengthen small businesses' cyber security. Furthermore, recommendations contained in the 

report defined an approach to using current federal resources to improve and extend the support 
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services of SBDCs as they advise and assist small business cyber planning and risk 

management. As you have identified through your legislative proposal, SBA's resource partner 

network could be useful through their counseling and education programs and their engagement 

with small business owners and entrepreneurs. 

QUESTION 33: 

The Committee has introduced legislation to require the SBA to do more to prepare small 

businesses for cyber threats, and sent you a letter on April 30th with ideas from our cybersecurity 

hearing witnesses. Will you commit to reviewing this legislation and recommendations from our 

hearing so that improvements can be made quickly? 

ANSWER: We appreciate the recommendations you shared from the hearing and we will 

certainly continue working with the committee on this issue. 

SBA's Cybersecurity 

SBA' s 2017 report on Management and Performance Challenges highlighted serious problems 

with IT leadership, which has been listed as a problem for five years and remains in the "limited 

progress" category. The SBA's worst IT areas are effective risk management, contingency 

planning, and incident response practices. 

The SBA OIG released a report in November of2017 on the implementation of the Federal 

Information Technology Acquisition Reform Act (FITARA), showing that the SBA has not fully 

implemented just the common baseline requirements. Similarly, a report in March of this year 

from the OIG showed compliance with Federal Information Security Modernization Act 

(FISMA) lacking in the areas of security training, information security monitoring, incident 

response, and others. Discussions in early 2017 with the SBA's new Chief Information Officer 

detailed plans to address the recommendations of the 010, but it does not appear that much 

progress has been made. 

The SBA's Office of Inspector General (OIG) reported in its annual memo on management 

challenges that significant improvement is especially needed in the area of IT security, where 34 

recommendations have been closed, but at least 23 remain. 

QUESTION 34: 

You have made significant progress in the area of IT security, closing more than 30 

recommendations from the OIG in the last fiscal year. However, cyber threats are increasing and 

security in this area is of utmost importance. What are your plans to close the remaining 23 

recommendations on IT security from the OIG? 

ANSWER: SBA has identified cybersecurity as a significant risk, and it remains a top priority at 

SBA. The initial approach taken by our Chief Information Officer (CIO) to address this risk was 

to identify critical long-standing findings and implement corrective actions. The CIO continues 

to make substantial progress in addressing this risk through initiatives like cloud modernization, 

reduction oflegacy IT and improved identity and access management. Specifically, the OCIO 

has established and published the agency's first cybersecurity strategy, which is published 

internally to the agency. This strategy sets the direction for cybersecurity across the agency and 
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introduces cybersecurity services to achieve enterprise visibility and protection. Deployment of 

the Department of Homeland Security's (DHS) Continuous Diagnostics and Mitigation (CDM) 

program have led to improved cyber hygiene across the agency. Patch management, vulnerability 

scanning, 24/7 security monitoring and incident response, along with a dedicated penetration 

testing team will continue to strengthen the security protections and resilience for every IT 

system supporting the SBA. Infusing cyber threat intelligence into protection and response 

activities is another key element in addressing and reducing cyber risks. OCIO has aligned 

training and awareness with current and known threats and regularly conducts agency-wide 

phishing exercises. 

QUESTION 35: 

The SBA has not fully implemented the Federal Information Technology Acquisition Reform 

Act (FITARA) and has not yet complied with Federal Information Security Modernization Act 

(FISMA). How is the SBA working on its own IT systems to better secure the small business and 

individual information that it houses? 

ANSWER: SBA performed a workforce study that identified gaps with IT staff resources across 

the agency and we are developing a plan to address IT competency requirements. A variety of 

changes have been made over the past year which has improved the agency's annual scorecard 

rating, including acquisition approvals and reporting structure. With regard to FISMA, we have 

updated the agency's enterprise cybersecurity policy, which was published last year. We have 

also published and implemented more detailed procedures for the agency's risk management 

framework. 

Agency Transparency & Communications 

The SBA's Office oflnspector General (OIG) held back reports on several of its findings at the 

end of the Obama Administration. Instead, the OIG released findings of problems once President 

Trump took office, attributing them to the new administration. While it is important to audit and 

investigate past actions, the SBA OIG's most recent Semiannual Report to Congress 

demonstrates a variety of waste, fraud, and abuse taking place during the Obama years - not 

what has occurred under Administrator McMahon's leadership: 

-FY 2014 recommendations on the High Risk 7(a) Loan Review Program that were not enacted; 

-Banker embezzlement and acquirement of SBA loans from 203 to 20 14; 

-Mortgage fraud schemes from 2006 to 2011; 

-Bank fraud ofSBA loans from 2011 to 2015 (defaulting in 2014); 

-STEP grant awards from FYs 2011-2015 with inconsistent financial data; 

-FY 2014 goals on Voluntary Early Retirement Authority showed limited progress; 

-FY 2016's Agency Financial Report showed non-compliance with Improper Payments 

Elimination and Recovery Act (IPERA) reporting requirements; 

-Weaknesses in SBA's IT systems are based on filings in November 2016, as compared with FY 

2015 evaluations; 

-SBA improperly approved pay increases for six SES members in 2015 and one in 2014. 
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QUESTION 36: 

The Office oflnspector General's most recent Semiannual Report to Congress shows that you 

inherited a lot of management challenges from the past Administration. How have you helped 

steer the SBA to better control for waste, fraud, and abuse? 

ANSWER: I shared with the committee in my testimony that we have worked very hard to 

address the agency's management challenges, including a specific focus on outstanding Inspector 

General recommendations. Since taking over leadership at the agency, we have dedicated 

specific staff to the task of reviewing the recommendations and facilitating internal agency 

action and then implementation. The focus we've shown and time and effort spent has allowed 

us to close over 170 recommendations in the last year and a half. 

QUESTION 37: 

Will you commit to reporting to us on challenges at the SBA in a timely fashion? 

ANSWER: We will certainly continue to engage with the committee on this. 

Management Challenges 

The SBA's Office oflnspector General (OIG) reported in its annual memo on the most serious 

challenges facing the SBA that of the seven areas measured (small business contracting across 

the federal government, IT leadership, human capital, loan program risk management, 8(a) 

business development, reducing improper payments, disaster assistance, and acquisition 

management) all have made progress in FY 2018. 

SBA has been weak in human capital management for more than a decade, but the most recent 

management report shows "substantial progress," especially in core and leadership 

competencies. Frequent turnover of leadership is the main contributor to this challenge, as well 

as inattention to the problem. Recently, the Office of Human Resources (OHRS) has made 

several improvements, developing new standard operating procedures for discipline, Senior 

Executive Service management, and Senior Leaders. Additionally, OHRS has come up with new 

strategies to continue improving human capital: a 2017-2020 Strategic Workforce Plan and a 

2017-2018 Talent Development Plan. 

QUESTION 38: 

After a decade of struggling with human capital issues, the SBA has made some recent 

improvements in leadership competencies and HR operating procedures. How have you seen 

these new policies improve the SBA? 

ANSWER: The SBA Human Capital Office has seen a major improvement in a number of 

areas. For example, Performance Management and Employee Recognition have contributed to 

Employee Viewpoint Survey scores increasing seven points in the Employee Engagement Index 

over the last two years, and the Partnership for Public Service Best Places to Work Index has 

increased 7.4 points in one year. SBA has supported our managers and supervisors as well as our 

senior leadership by providing developmental opportnnities (e.g., rotational assignments), 

webinars, 360 Assessments and coaching which has stabilized our executive workforce and 

resulted in reduced turnover among executives. SBA managers are better equipped to hold 
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employees accountable for results. Also, managers and supervisors have new tools and resources 

such as supervisory training, revised policies on disciplinary and adverse actions, and the 

creation of the Conflict Resolution Center which have contributed to EEO complaints being at a 

record low. 

QUESTION 39: 

Recently, the SBA developed a Strategic Workforce Plan for 2017-2020 and a Talent 

Development Plan for 2017-2018. How are you seeing these plans improve human capital 

management at the agency? What other plans, policies, or changes are needed to address the 

problems of turnover, discipline, and managing senior employees? 

ANSWER: These two plans are the foundation on which we are building a more effective, 

efficient and accountable organization. Since publication of these plans, we have conducted an 

agency-wide training needs assessment now being used to identify and close skills gaps and to 

make best use of the talents we have in place. We are developing cross-functional teams to 

ensure SBA has the flexibility to address emerging needs in support of the mission. SBA is 

moving forward with plans to enhance our data analytics and project management 

capabilities. Additionally, SBA has proactively created a pipeline of new leaders through 

enhanced developmental opportunities. The Chief Human Capital Officer is working closely 

with our senior managers to address recruitment, retention, and development of talent in 

cybersecurity and mission critical occupations. By ensuring our employees are engaged and 

supported with training and career opportunities, we expect SBA to become an employer of 

choice. 

Internet for Small Businesses 

For decades, internet service was regulated under Title I of the Communications Act, like an 

information service with only light-touch regulation. In 2015, the Obama Administration's FCC 

created "Net Neutrality" rules, regulating the internet under the onerous Title II scheme that was 

created to crush the old "Ma Bell" monopoly. Last year, the Trump Administration's FCC 

returned to the light touch of Title I. However, Senator Markey and others are leading a charge 

to use the Congressional Review Act to disapprove of the FCC's Title I regulatory scheme. 

Senator Thune and neutral scholars, such as those at the Information Technology & Innovation 

Foundation, are calling for Congress to legislate in this area to avoid flip-flopping regulatory 

schemes and burdensome rules. 

QUESTION 40: 

Throughout your small business tour, how have you seen entrepreneurs tapping into the internet? 

ANSWER: As I mentioned in a general discussion on this topic during the hearing, my 

engagement with business owners has primarily been about their interactions with the agency 

and their utilization of our programs and services, whether directly through SBA or through our 

resource partner network. At times, entrepreneurs and business owners have also shared other 

observations or comments issues, but not as much on the topic of e-commerce. In my future 

visits, I would welcome hearing more from business owners. 
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QUESTION 41: 

Do you believe that lighter internet regulations would open up the internet provider field to 

entrepreneurs who would offer an alternative to big internet service provider companies? 

ANSWER: This is an area where I would need to defer to other federal agencies with more of a 

direct jurisdiction over such policies and regulations. 

QUESTION 42: 

Do you agree that more internet provider options keeps prices low for small businesses and 

spreads internet to rural areas, where eCommerce is necessary for entrepreneurs? 

ANSWER: I would certainly welcome your opinion and perspective on this, especially as it 

relates to business owners and entrepreneurs in Idaho. My Ignite Tour has helped me better 

understand the needs and challenges of business owners, to hear from them directly, and to 

represent them at the federal level. I look forward to engaging further on e-commerce related 

issues as part of my continued travel. 

IRS Compliance with the Regulatory Flexibility Act 

Following a 1983 agreement between the Office of Management and Budget (OMB) and the 

Treasury that exempted review of "major legislative regulations," the IRS has avoided reviewing 

its proposed rules, claiming that all are "major legislative" rules. 

Recently, OMB and the Treasury released a memorandum of agreement (MOA) that outlines 

which IRS regulations will finally undergo review by OIRA. This new MOA still only requires 

review on actions that create inconsistencies with other actions by other agencies, those that raise 

a novel legal or policy issue, or those who have an annual non-revenue effect on the economy of 

$100 million or more. The MOA will still do nothing to ensure that the IRS considers small 

businesses when proposing rules, as required by the Regulatory Flexibility Act. 

The Small Business Regulatory Flexibility Improvements Act (Lankford-Risch), would require 

all agencies- including the IRS- to hold panels with small entity representatives any time that a 

proposed rule is determined to have a significant impact on a substantial number of small 

entities. 

The Hearing Small Business Act (Risch) would require the IRS and the Fish and Wildlife 

Service -two agencies that notoriously avoid Regulatory Flexibility Act review- to hold panels 

with small entity representatives when they propose a rule that is determined to have a 

significant impact on a substantial number of small entities. 

QUESTION 43: 

We know that taxes and regulations are two of the biggest problems that small businesses face. 

The IRS systematically avoids considering the impact of its regulations on small businesses, 

compounding these two issues. Would you support legislation that would require the IRS to sit 

down with small entity representatives and discuss the impact of its proposed regulations on 

small businesses? 
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ANSWER: SBA is interested in ensuring that agencies fully consider the economic and other 

impacts of their regulatory and other actions on the small business community, and that they 

provide adequate opportunity for comment on their regulations. Once SBA has a confirmed 

Chief Counsel of Advocacy in place, that individual will be able to assess the need for further 

statutory changes in light of the office's statutory responsibilities under the Regulatory 

Flexibility Act and Small Business Regulatory Enforcement Fairness Act. I look forward to 

hearing those views on any proposed legislation in the context of the Office of Advocacy's role 

in mitigating the economic effects of regulations on small businesses. 
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Senate Committee on Small Business and Entrepreneurship Hearing 

May 15,2018 

Follow-Up Questions for the Record 

Questions for Administrator McMahon 

Ranking Member Cardin 

Contracting goals 

SBA's annual Small Business Procurement Scorecard is an important assessment tool to (1) 

measure how well federal agencies reach their small business and socio-economic prime 

contracting and subcontracting goals, (2) provide accurate and transparent contracting data, and 

(3) report agency-specific progress. According to the FY2017 Small Business Procurement 

Scorecard, the federal government's prime contracting achievement to small businesses totaled 

23.88 percent, surpassing the 23 percent goal. 

While I applaud this effort, there is still room for improvement. The data shows the percentage 

of small business prime contracts awarded to women-owned small businesses, small 

disadvantaged businesses, and businesses located in SBA's Historically Underutilized Business 

Zone (HUB Zone) each declined from 2016, failing to reach their respective 2017 contracting 

goals. 

QUESTION 1: 

Please explain SBA' s efforts to ensure that federal agencies meet - and ideally exceed- the 

agreed upon contracting goals. 

ANSWER: Annually, SBA negotiates with and sets prime contracting goals for each agency. An 

agency's goal may change from year to year based on its needs. SBA ensures that the goals of 

each agency, when combined, will achieve the government-wide statutory goal. These goals 

include each of the socioeconomic categories as well as subcontracting performance. An 

agency's performance in all of these categories contributes towards the agency's scorecard 

grade. SBA works collaboratively with the agencies through the Small Business Procurement 

Advisory Council, which meets monthly to share best practices and other policy updates, and in 

the field through Procurement Center Representatives (PCRs) where SBA has insight into 

specific agency procurements and whether they are set-aside or not for small business. SBA 

monitors the performance goals established for each agency throughout the fiscal year and works 

closely with the PCRs and the Office of Small Disadvantaged Business Utilization (OSDBU) to 

increase awareness of the established goals among the contracting officers of each agency. 

Additionally, SBA is making improvements in certain areas to provide a higher level of 

confidence to contracting officers. For example, SBA is working on creating a certification 

program for women-owned businesses to replace the current self-certification program. 
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The Vets First Program and Kingdomware 

In 2006, Congress passed the Veterans Benefits, Health Care, and Information Technology Act, 

which provides the U.S. Department of Veterans Affairs (VA) with the ability to make set-aside 

and sole source awards to Service-Disabled Veteran-Owned Small Business (SDVOSB) and 

Veteran-Owned Small Business (VOSB). VA refers to this procurement authority as the 

Veterans First Contracting Program ("Vets First"), and these tools and procedures enable VA 

contracting officers to increase business opportunities for veteran entrepreneurs. 

In 2016, the U.S. Supreme Court unanimously ruled in Kingdomware Technologies vs. United 

States that the Vets First mandate broadly applies to all VA contracts, including task orders. 

Specifically, the Court concluded that VA must set aside contracts for VOSBs whenever the 

Rule of Two is satisfied. 

Although the veteran business community believed that the decision would spark increased 

participation ofVOSBs in VA acquisitions, it appears that VA has not fully embraced the 

statutory mandate. In FY 2017, the Department of Veterans Affairs spent only 0.5 percent on 

subcontracting to Service-Disabled Veteran-Owned firms, well below the federal government's 

modest 3 percent goal and far short ofVA's internal small business program goal of5 percent. 

QUESTION2: 

What is SBA's position regarding the Kingdomware decision? 

ANSWER: To our knowledge, the VA has implemented the policy. In FY 2017, the VA 

awarded 19.7% of contract dollars to SDVO small business concerns, in an amount of$5.1 

billion, exceeding the statutory 3% goal. Overall, the VA awarded $5.4 billion, or 20.6%, of their 

small business eligible dollars to VOSB small business concerns. 

QUESTION3: 

Is SBA monitoring and enforcing the Rule of Two on all acquisitions under the Simplified 

Acquisition Threshold (including task orders and acquisitions processed through schedules)? 

ANSWER: Federal Acquisition Regulation requires contracting offices to set-aside acquisitions 

with a value of $250,000 or below, and above $3,500, unless it is determined that there is no 

reasonable expectation of obtaining offers from two or more responsible small businesses that 

are competitive in terms of price, quality, and delivery. When an acquisition is not set-aside for 

small business, agencies have procedures in place in which the director of the office of small and 

disadvantaged business utilization reviews and approves an acquisition that the contracting 

officer has chosen not to set-aside. SBA assigns Procurement Center Representatives (PCR) to 

agencies to help carry out SBA's policies. Each PCR enters into Plans of Operations at each 

buying activity to set coverage and expectations for reviewing proposed acquisitions, which 

includes whether the contracting officer applied the rule of two and set-aside the acquisition for 

small business. PCRs also have authority to review acquisitions processed through schedules and 

task orders, though the GSA's Federal Supply Schedule procedures state that setting aside orders 

is discretionary. 
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QUESTION 4: 

Has SBA raised concerns about VA's inability to meet its subcontracting goals for SDVOSBs? 

ANSWER: We meet and consult with all of the Offices of Small Disadvantaged Business 

Utilization on a monthly basis to talk about small business prime and subcontracting 

performance. Each agency, including VA, receives an annual scorecard grade from SBA, and 

SDVO small business subcontracting is part of that grade, along with the other socioeconomic 

categories. 

QUESTIONS: 

Was SBA consulted by VA regarding its decision to modify the Medical/Surgical Prime Vendor 

Next Generation program (MPSV -NO)? 

ANSWER: SBA has had numerous discussions with the VA about its implementation of the 

program, advocating for the maximum utilization of small business concerns. 

QUESTION6: 

What engagement has SBA had with the VA Office of Small and Disadvantaged Business 

Utilization regarding widespread concerns with how VA implements the Vets First program? 

ANSWER: We engage with the VA OSDBU office on a routine basis. Ultimately, the VA 

contracting officer has a great deal of discretion in deciding whether he or she expects to receive 

at least two fair and reasonably priced offers that represent best value to the United States. 

Section 809 Panel 

The National Defense Authorization Act ofFY 2016 established the Section 809 panel to make 

recommendations about ways to improve the acquisition process of the Department of Defense 

(DOD). According to reports, the Section 809 panel may propose eliminating the Rule of Two 

for many government procurements, which could significantly reduce contract awards to small 

businesses. 

QUESTION7: 

How has the SBA been involved with the Section 809 Panel? 

ANSWER: SBA has provided input to the panel on multiple occasions, formally and 

informally. 

QUESTIONS: 

Has your office been briefed on the Panel's recommendations and their possible impact on the 

small business set-aside programs? If so, what is your position on the proposed 

recommendations? 

ANSWER: The small business section of Volume I of the 809 Panel report recommends that 

DOD do a better job of bringing technology to enhance warfighting capability into the market 

through better communication and outreach and use of programs such as SBIR and the Rapid 
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Innovation Fund. We think the Section 809 panel recognizes that small businesses must also 

continue to provide more routine goods and services to DOD in those areas where small 

businesses excel. 

QUESTION9: 

Has your office been briefed on the Panel's recommendations and their possible impact on the 

small business set-aside programs and the Small Business Innovation and Small Business 

Technology Transfer Programs? If so, what is your position on the proposed recommendations? 

Performance Goals for SBA's Entrepreneurial Development partners 

ANSWER: SBA supports increasing the funding and use of SBIR and other rapid contracting 

authorities for small business. 

QUESTION 10: 

Administrator McMahon, I understand that SBA has been reviewing the performance goals for 

SBA's Entrepreneurial Development partners. What changes are being considered for SBA's 

resource partners? 

ANSWER: As a part of our field alignment efforts, the Office of Entrepreneurial Development 

evaluated our resource partners' performance goals in order to create stronger and measurable 

outcomes that will provide additional resources to entrepreneurs and small businesses across the 

country. The intent is to increase accountability for the partners while ensuring that they focus on 

achieving the jointly agreed-upon outcomes that make a meaningful impact for small businesses 

consistent with the goals documented in the Congressional Budget Justification. 

QUESTION 11: 

Who is managing these changes and goal setting decisions? Who is involved in the working 

groups, committees, or other bodies that are revising or setting these goals? 

ANSWER: The Office of Entrepreneurial Development is the lead office and has consulted with 

leadership ofSBA's resource partners and internal SBA stakeholders to align goals and 

objectives to the Congressional Budget Justification. Those agency stakeholders include our 

Chief Financial Officer, Office of Performance Management, Office of Small Business 

Development Centers, Office of Entrepreneurship Education, Office of Women's Business 

Ownership, and agency leadership. The goals laid out in our CBJ are intended to increase 

counseling and training to entrepreneurs and small businesses. 

QUESTION 12: 

Administrator McMahon, you recently signed an MOU with the Secretary Perdue at the 

Department of Agriculture to help increase lending in rural communities. What efforts are you 

taking to ensure that rural small businesses are not only receiving loans but also the technical 

assistance required to use that capital wisely and build robust, sustainable businesses? 

ANSWER: SBA's Office of Entrepreneurial Development and Office of Capital Access are 

collaborating with USDA to coordinate joint efforts to provide training and technical assistance 

to rural entrepreneurs. The MOU is intended to bring our complementary strengths together to 
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facilitate economic opportunities in lending and contracting, as well as to increase our outreach 

to various communities through our ED programs. 

Lender Match 

During the hearing and in your written testimony, you mentioned the success of Lender Match in 

connecting potential borrowers with local lenders. 

QUESTION 13: 

How is SBA measuring the success of Lender Match? 

ANSWER: SBA considers how many inquiries are made on Lender Match and how many 

matches are made between lenders and potential borrowers because of those inquiries. Our SBA 

Lender Match (www.sba.gov/lendermatch) electronic platform has facilitated over 3.2 million 

inquiries since inception resulting in over 130,000 qualified referrals to lenders for borrowers 

seeking capital. 

Lender Match was touted as an upgrade from the LINC (Leveraging Information and Networks 

to access Capital) pilot program. 

QUESTION 14: 

Can you provide data showing how participation rates have improved under Lender Match as 

opposed to LINC? 

ANSWER: The Lender Match rebranding occurred in June 2017. Since that time we have 

received 5,500 applications from borrowers per month (a 50% increase over the average monthly 

LINC activity) and we have seen 8,500 lenders 'opt-in' per month. 

SBA Staffing 

QUESTION 15: 

The Deputy Administrator position has been vacant since April13, 2018. When does the Trump 

Administration plan on nominating a replacement? 

ANSWER: While potential options continue to be under evaluation, my focus has been on 

ensuring that the agency operates in the most efficient way possible. I have been and remain very 

hands-on with the agency's senior leadership since becoming Administrator, and I will continue 

to make sure that our programs and services are functioning successfully. 

QUESTION 16: 

The SBA organizational chart included in the FY19 Congressional Budget Justification removes 

the Deputy Administrator from having a role overseeing many of the SBA core functions - such 

as the Office of Capital Access and the Office of Entrepreneurial Development. 

Can you please detail the reasons for this change? 

ANSWER: While I would note that the important core function of the Office of Government 

Contracting and Business Development was contained in the referenced chart under the Deputy, 

the agency's most recent Congressional Budget Justification simply defined the strategic plan for 
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the front office reporting responsibility. The organizational chart was intended to show how we 

planned to maximize the skillset, background, and professional experiences of our team in 

leading our various program offices and functions. Notwithstanding that, the Deputy position 

maintains considerable involvement with all programs through engagement with senior staff and 

as part of the agency leadership. 
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Senate Committee on Small Business and Entrepreneurship Hearing 

May 15,2018 

Follow-Up Questions for the Record 

Questions for Administrator McMahon 

Senator Cantwell 

QUESTION 1: 

Administrator, at the May 15 hearing before the Small Business Committee, you agreed to look 

further into the Small-Business set-asides for the various types of logging contracts in the Forest 

Service and get back to me. I wanted to follow up on that promise, and ask that you try to get 

back to me the next 30 days. Particularly, I would like to know about how you'd like set-asides 

to apply to the various contract types moving forward and what would be required to implement 

your vision? 

ANSWER: As you know, in cooperation with the Forest Service, SBA sets policy for the small 

business Timber Set-Aside Program. Over several years, timber has been increasingly distributed 

through the Forest Service's Stewardship Contracting Program, which is not subject to the Small 

Business Set-Aside program. To ensure that small businesses still receive a fair proportion of 

timber sales, the SBA is in discussion with the Forest Service to more closely review the rules of 

and opportunities within the two programs. SBA has tried to better understand and respond to 

concerns raised by small businesses in the timber industry. SBA published an Advanced Notice 

of Proposed Rulemaking in the Federal Register in March 2015 to more clearly define the issues, 

and published a proposed rule in the Federal Register in September 2016 concerning hauling 

costs and the stewardship program. Our program office will continue to review the information 

and comments gathered through that process as we engage the Forest Service and consider a 

potential future rulemaking. 

Net Neutrality 

In 2017, there were more than 34,000 technology start-ups and businesses launched across the 

country. Most of these tech companies are small businesses. 

QUESTION2: 

Does SBA know what percentage of small businesses in the U.S. rely on open internet access to 

reach customers, conduct business, or offer services? 

ANSWER: SBA would need to rely on other federal agencies or private sector entities for such 

research or information. As I mentioned during the hearing, my engagement with business 

owners has primarily been about their interactions with the agency, and their utilization of our 

programs and services, whether directly through SBA or our resource partner network. In 

roundtable discussions or at times during site visits, entrepreneurs and business owners have also 

shared challenges and barriers they face, whether that is access to capital or other issues, like 
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regulations or workplace rules. On the topic of e-commerce, I would welcome hearing from 

business owners in my future visits. 

Community Advantage 

The SBA's Community Advantage (CA) program is an important way the SBA expands access 

to "small dollar" loans to businesses in underserved communities. CA provides nonprofit lenders 

access to 7(a) loan guaranties for loans of $250,000 or less. 

Since they started using CAin 2012, Washington state-based Craft3 has deployed 48 loans 

totaling more than $8.5 million across Oregon and Washington. 

Per program rules, all of these loans are under a cap of$250,000, which is the maximum amount 

the CA can guarantee. Raising the cap would allow CA lenders to better respond to the needs of 

these businesses that are not yet bankable but require loans of greater than $250,000. In my state, 

CA lenders have said that raising the cap would allow them to initiate dozens of deals they 

would otherwise turn away. 

The SBA requires lenders to make CA loans in underserved markets such as low and moderate 

income communities, new or startup businesses, veteran-owned businesses and alike. This has 

the impact of generating a high concentration of loans to targeted underserved areas. 

Additionally, increasing the cap would allow CAlenders to reduce risk to their portfolio for a 

subset of loans with a guarantee, so that they can reserve that risk for higher-impact deals that do 

not have a guarantee. 

QUESTION3: 

Given the overall success of the program, do you support raising the cap from $250,000 to 

$350,000 for CA guaranteed loans? 

ANSWER: SBA is evaluating the Community Advantage Pilot Program to assess its 

performance and to determine whether any changes to the pilot are appropriate at this time. 

The Community Advantage program is still a pilot program. 

QUESTION4: 

Would you support making the Community Advantage program permanent? 

ANSWER: Prior to deciding on the permanency of the program, SBA will continue to analyze 

the program's loan performance and collect feedback from industry. 

Small Business Investment Companies (SBICs) 

The Small Business Investment Company Program is an important financial assistance program 

available through the SBA. SBICs are privately owned and managed investment funds, licensed 

and regulated by SBA. In my state, SBICs are investing in companies that earn millions in 

revenue and account for thousands of jobs. 
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On Tuesday, May 15, 2018, the SBA released its quarterly data on the SBIC program for the 

quarter ending March 31, 2018 -more than six weeks into the next quarter. In the past, the SBA 

office of Investment and Innovations released data for the SBIC program on a monthly basis, 

with the new data released within a week after the end of the month. Other SBA programs 

release data weekly. 

This data allows SBIC stakeholders to better understand industry trends, evaluate the program's 

performance, and identify solutions to any problems that may come up. When data is only 

released quarterly and then delayed for six weeks, it means Congress and the public are getting 

outdated information. 

QUESTIONS: 

What caused this delay? 

ANSWER: Since 2016, SBA has taken approximately six weeks from the end of each fiscal 

quarter to prepare and post public, quarterly SBIC program information on SBA.gov. SBA seeks 

to improve its ability to generate and post this information more quickly with improved 

technology. 

QUESTION6: 

Will you work with the Office of Investment and Innovations to ensure that SBIC data is 

released in a timely fashion? 

ANSWER: Yes. SBA's program office is working to improve its technology and I am fully 

supportive of these efforts. 

A comparison ofFY18 Q2 data against the data from FY17 Q2 shows that overall SBIC 

financing to small businesses is down 18 percent year over year, with a commensurate drop in 

jobs created by SBIC-backed businesses. Moreover, the data released for FY18 Q1 (ending 

December 31, 20 17) showed alarming declines across licensing, financing of companies, 

program management, etc. A fund manager observing these trends could have some 

understandable concerns about pursuing a partnership with the SBA through a license under 

these conditions. 

QUESTION7: 

What in your view has caused this decline? 

ANSWER: The decline in the licensing and financing of companies as it relates to SBICs can be 

largely attributed to market demand. Year-over-year, we have seen a decline in the number of 

new licensing applications received. Declines in SBIC financings correlate to decelerating 

financing activity in the private capital markets. In fact, recent industry information indicates that 

U.S. private equity financings under $25 million experienced a substantial decline for the same 

periods. 
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QUESTIONS: 

Have operational issues, such as delays in purchasing leverage, delays in getting SBIC examined, 

delays in licensing, delays in other regulatory approvals negatively affected the program and its 

ability to facilitate investment? 

ANSWER: Regulatory compliance associated with examinations is an important consideration in 

relation to licensing decisions, approval of leverage commitments, and other regulatory 

approvals. After assuming leadership of the agency last year, we took a close look at the 

agency's SBIC examinations process. Section 310(c) of the Small Business Investment Act, 

requires that SBA examine each SBIC at least every two years. However, we determined that a 

meaningful number of SBICs may not have received timely examinations, and that many 

leveraged SBICs did not have examinations covering a recent period of 18 months. 

QUESTION9: 

What steps is the SBA's Office oflnvestment and Innovation taking to improve these internal 

operation delays? 

ANSWER: We have taken several proactive steps regarding examinations. First, we began 

working to prioritize SBICs requiring examinations, for example those making requests for 

leverage, or for a subsequent SBIC license. Second, we issued a new contract last year to 

supplement SBIC examiners with external examination contractors, and we initiated a 

technology moderuization effort seeking to acquire improved technology that is similar to private 

sector organizations in the private equity industry. Finally, we have initiated a review of the 

examination process that is intended to identify ways to make SBIC examinations more efficient. 
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Senate Committee on Small Business and Entrepreneurship Hearing 

May 15,2018 

Follow-Up Questions for the Record 

Questions for Administrator McMahon 

Senator Shaheen 

Implementing New HUBZone Improvements 

Last year, with the help of Chairman Risch, Congress enacted the Invest in Rural Small Business 

Act to allow more areas to participate in the SBA's HUBZone program. 

As you know, the HUBZone program can make a real difference for small businesses in 

struggling areas. 

For example, Costa Precision Manufacturing is a small business in Claremont, New Hampshire. 

Initially, the company had trouble qualifying for the program due to the one-size-fits-all nature 

of the federal formula. 

But since qualifying, HUBZone status has made a huge difference for the company. It's one of 

just six companies in its industry in the United States with HUBZone status. They've added new 

jobs as a result of new contracting opportunities. 

Unfortunately, this program has struggled to meet its goal of providing 3 percent of federal 

contracting dollars to HUBZone firms. In fact, the federal government reached only 1.67 percent 

in 2016. 

To encourage more participation in the program, the Invest in Rural Small Business Act created 

a new process for Governors to petition the SBA for new areas to be considered HUBZones. 

The SBA has until 2020 to set up this new petition process for qualifying areas and businesses as 

HUBZones. 

QUESTION 1: 

What steps has the SBA taken to ensure that states and localities are aware of the changes made? 

Can you provide an update on the SBA's progress in setting up this new process? 

ANSWER: SBA was able to update the HUBZone Map quickly to extend the expiration date for 

re-designated areas, as required by section 170 I of the National Defense Authorization Act for 

2018, which we think will make a big difference for program participation and bring much 

needed stability to the program. The authority for state Governors to petition SBA to create a 
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HUBZone does not go into effect until January 1, 2020, so SBA plans to propose a rule to 

establish those procedures in 2019. The HUB Zone Office has discussed this and other 

legislative changes to the program in webinars and outreach events and during HUBZone Office 

Hours. 

Coordination with "Opportunity Zones" 

The Treasury Department set up a program under the new tax law that allows state Governors to 

set up "Opportunity Zones." Senator Scott was a champion of this effort to provide tax incentives 

for investment in certain disadvantaged areas, as designated by each state's Governor. 

QUESTION2: 

Have you spoken with the Treasury about aligning this program with the new HUBZone 

petitions so that we can maximize investment in those areas? 

ANSWER: Yes, we have met and will continue to discuss with Treasury ways to align the two 

programs to maximize impact on these communities. The intent is to identifY the overlap 

between the HUBZone and the Opportunity Zones, and while seeking alignment between the two 

zones, also ensure that small businesses located in the areas of intersection can avail themselves 

of the benefits from both the programs. 
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Senate Committee on Small Business and Entrepreneurship Hearing 

May 15,2018 

Follow-Up Questions for the Record 

Questions for Administrator McMahon 

Senator Scott 

SBICs and Opportunity Zones 

I do want to mention that South Carolina is now home to its first SBIC. 

SBICs receive a tax deferment for investing in the Opportunity Zones created by my Investing in 

Opportunity Act. 

That means SBICs are incentivized to invest in economically distressed communities and the 

Americans that call them home. 

It took the South Carolina fund two years to receive its license. I think SBA could speed that 

process up. 

Please answer the following with specificity: 

QUESTION 1: 

What are the existing regulatory barriers, if any, that are hindering SBICs' ability to form in 

states like South Carolina that are predominantly rural with few urban centers? 

ANSWER: SBA does not believe there are regulatory barriers to the formation of SBICs in 

South Carolina. In September 2017, SBA held an SBIC Symposium in Columbia, South 

Carolina, which sought to increase awareness of, and interest in, the SBIC program among the 

South Carolina banking and private equity community. In addition, SBA is currently developing 

a marketing plan to target prospective SBIC applicants who are interested in focusing on 

financings to small businesses in areas that have an inadequate supply of investment capital, such 

as rural areas. Finally, I note that SBA is presently holding roundtables focusing on regulatory 

reform ofthe SBIC program and welcomes suggestions from SBICs and SBIC program 

participants. At the end of May, SBA hosted a roundtable in Chicago with several SBICs. 

Additional round tables will take place with SBIC third party service providers in July 2018 and 

SBIC investors in August 2018. 

I would like to clarify for the record that the South Carolina SBIC's licensing time was 

approximately 9 months from the time SBA accepted the license application until license 

approval, which was typical of other "first time" SBIC license applicants during FY 2018. 

QUESTION2: 

II. If so, what steps are you taking to streamline regulations and licensing requirements for 

SBICs? 
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ANSWER: Regulatory streamlining is a priority for the SBIC program. In November 2017, SBA 

formed a working group to review SBIC program regulations and policies to improve clarity and 

streamline the SBIC program. SBA's regulatory reform effort involves holding roundtables with 

the SBIC program participants to listen to areas of concern and identify ways to improve the 

SBIC program. 

As part of this initiative, in May, SBA held a teleconference with SBIC program participants to 

address questions and issues. SBA also hosted a roundtable in Chicago with several SBICs. 

Additional roundtables will take place with SBIC third party service providers in July 2018 and 

SBIC investors in August 2018. 

SBA licensing requirements are rigorous, and consistent with the process that sophisticated 

private sector investors employ. SBA takes the time necessary to independently evaluate each 

SBIC applicant and conducts thorough due diligence and legal review in areas such as the 

applicant's management team, track record, governance documents, and proposed investment 

strategy. SBA's licensing process is one of the most important risk control tools SBA employs in 

order to avoid losses to the federal government, and by extension, American taxpayers. 

Nevertheless, SBA is committed to streamlining regulations and regulatory processes whenever 

possible. For example, last year, we instituted a monthly standing meeting of the agency's SBIC 

Licensing Committee to create more certainty with respect to the timing of one of the last stages 

in the licensing process. 
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Senate Committee on Small Business and Entrepreneurship Hearing 

May 15,2018 

Follow-Up Questions for the Record 

Questions for Administrator McMahon 

Senator Heitkamp 

QUESTION!: 

I was glad to hear you mention rural communities in your statement. Too often, we do not focus 

enough attention on the strengths of rural areas - strong social capital, work ethic, and a culture of selfreliance and individual initiative. In your statement you specifically mentioned working with Secretary 

Purdue to reach out to rural areas -can you tell us more about what we can expect from this initiative? 

How can SBA leverage the strengths of rural America to assist those willing to take the risks involved 

in starting up or expanding a business? 

ANSWER: The MOU that we have signed with the U.S. Department of Agriculture (USDA) is 

intended to bring our complementary strengths together to provide additional economic opportunities 

for rural small businesses. The specific areas of collaboration include our lending, contracting and 

entrepreneurial development programs. SBA plans to use the extensive distribution capabilities of 

USDA to position and make available capital for rural small businesses while making it easier for rural 

small businesses to obtain certification as they pursue small business contracts from DOD and other 

agencies. Additionally, we are exploring how we can increase our outreach to Native American 

communities leveraging our entrepreneurial development programs. 

QUESTION2: 

What SBA resources will you commit to helping rural areas such as those in my state continue to grow 

and prosper? Can you pledge today that SBA will commit itself to a long-term strategy to assist small 

business formation in rural America? 

ANSWER: Yes, SBA will remain committed to those goals and objectives. SBA's ongoing program 

efforts as well as our efforts resulting from our partnership with USDA focused on helping small 

businesses in rural areas will continue to be carried out through our district office and leadership in 

Fargo, our lender relations specialists in that office, and our area managers in Bismark and Grand 

Forks. 

QUESTION3: 

In your statement you also mentioned working with Secretary Acosta on workforce issues. Can you 

provide an update on your efforts to address workforce retention issues in rural areas? How can SBA 

use its existing resources, such as its counseling and training programs, to encourage businesses to 

adopt policies aimed at attracting and retaining good employees? 

ANSWER: Identifying and retaining a skilled workforce is a significant concern among business 

owners and has been one of the topics I have heard the most about during my travel and small business 

visits this year. I continue to meet and discuss these challenges within the Administration. As we 

develop potential initiatives, I will certainly keep you informed. One of the potential areas we are 

exploring is how we can develop an integrated strategy that provides a clear roadmap for businesses 

and educational institutions to partner with each other to develop skills and resources that are 
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calibrated with market demand. The workforce system helps meet the skills demands of regional 

economies by connecting job seekers with jobs, and connecting business and job creators with the 

talent they need to compete and grow. In coordination with our federal partners, we continue to explore 

what role our resource centers can play in helping train workers leveraging this larger strategy. In the 

meantime, the SBA resource network can continue to assist and guide business owners in the areas of 

job creation and retention. 

QUESTION4: 

Recently, I sent a letter to the President urging him to reestablish the Interagency Committee for 

Women's Business Enterprise. This committee, with a strong chair and representatives from different 

federal agencies and departtnents, could once again work to help the federal government coordinate its 

efforts to assist women business owners. Can you describe SBA' s current efforts to work with other 

agencies and departtnents to assist women's business owners and entrepreneurs? Will you commit 

your office to following up with me to further discuss this issue? 

ANSWER: Let me share some of our activity on women's business development. We have just 

launched an initiative to scale outreach to women entrepreneurs in collaboration with the Departments 

of Treasury and Labor leveraging a state-of-the art digital learning platform. Also, we recently 

armounced a new executive director of the National Women's Business Council. The council serves as 

an independent voice for women entrepreneurs and is comprised of women business owners and 

representatives from national women's business organizations. The council advises Congress, the 

President, and the SBA on challenges facing women business owners and they report armually on 

barriers to success and potential solutions. 

Last year, we appointed a new director of our Office of Women's Business Development. Primarily 

working through SBA's Women's Business Centers, their mission is to enable and empower women 

entrepreneurs through education, counseling, training, and support. This year marks the 30th 

armiversary ofSBA's WBC program. There are over 100 centers across the country and our current 

focus is on expanding our reach within states or to locate centers in states without one. Recently, as 

you know, we announced a new center in Fargo. I appreciate your interest and look forward to further 

engagement. 

QUESTIONS: 

Some of our most promising entrepreneurs are young people saddled with high levels of student debt. 

They face reduced horizons regarding the kinds of jobs they can accept out of college, as well as limits 

on their ability to become entrepreneurs. What is SBA doing to help young entrepreneurs and small 

business owners manage high levels of student debt? 

ANSWER: This is an area where the combination of our SBA lending and resource partners might be a 

helpful resource to a young potential borrower. Through counseling services, our resource partners 

could provide guidance and recommendations that could then help in their eventual interaction with 

our lending partners. 
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Senate Committee on Small Business and Entrepreneurship Hearing 

May 15,2018 

Follow-Up Questions for the Record 

Questions for Administrator McMahon 

Senator Booker 

Small Poultry 

QUESTION1: 

Do you believe that contract poultry and livestock loans, which ostensibly support large 

integrated meat processing companies, are consistent with the mission of the SBA in both 

creating jobs and supporting entrepreneurship? 

ANSWER: By statute, SBA's mission to support U.S. based small business concerns includes 

lending to small farms and agriculture related businesses. Not unlike other supply chain 

industries, small independent farms provide services under contract that ultimately get products 

to the customer through large companies. SBA is currently conducting an in-depth evaluation on 

this industry as it relates to our business loan program policies to ensure that we comply with our 

mission and rules consistent with aiding and assisting small businesses that do not otherwise 

have access to credit. 

QUESTION2: 

The USDA Farm Service Agency (FSA) issued a notice in 2009 to implement some basic 

requirements for banks making guaranteed loans to contract poultry growers. Are you 

considering any steps to implement requirements on poultry and other contract livestock 

production loans that are similar to the basic rules that FSA already has in place? 

ANSWER: As we perform an in-depth evaluation of our and FSA's guaranteed loans and loan 

requirements, we are also examining the practices of other agencies and departments so that we 

can learn and incorporate any practices that will help us meet our mission in the most effective 

and efficient manner. 
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Senate Committee on Small Business and Entrepreneurship Hearing 

May 15,2018 

Follow-Up Questions for the Record 

Questions for Administrator McMahon 

Senator Enzi 

QUESTION 1: 

Last fall, the SBA held a roundtable on this rule, Section I 071 of Dodd Frank referred to as the 

Small Business Data Collection provision. This rule requires financial institutions to collect 

information from credit applications for all small businesses, including minority, and women 

businesses. Examples of data points required for collection includes: location of business, 

purpose ofloan, loan amount applied for and approved for, race, sex, and ethnicity. In addition, 

if at any point the CFPB sees fit, they can require any additional personal information on the loan 

applicant. 

The Office of Advocacy raised some concerns regarding the definition the CFPB would use to 

identifY a small business. As we all know throughout the government, defining what is 

considered a "small business" can be problematic. What concerns do you have with the metrics 

the CFPB will use to identifY a small business? 

ANSWER: The independence of the views and positions of the SBA' s Office of Advocacy is an 

important feature of their work. I will need to defer to them on actions they may have taken on 

this rule, as well as concerns they might have identified. In general, this topic has been raised to 

me in discussion with SBA lending partners, and it is an issue I will continue to monitor. 

QUESTION2: 

It cannot be said enough that the cost of compliance for a rule like this burdens our lending 

community. In order to comply with I 071 small entities will need to build entirely new systems 

to collect these data points. 

What suggestions have you posed to the CFPB to address the cost of compliance concerns? 

ANSWER: With this question as well, I will need to defer to the Office of Advocacy to explain 

their role and any activities they are pursuing in the context of the additional data collection 

requirements. Typically, the Office of Advocacy examines any compliance costs associated with 

the implementation of any new rule or policy impacting small businesses. 

QUESTION3: 

The biggest concern in Wyoming and what I find to be the most troubling issue on section 1071 

is privacy. The rule allows for the publication of these data points, made available to the public, 

and for a state with a population as small as Wyoming, this raises huge privacy concerns. Let's 

say a small business in Fort Laramie, where the population is a little over 200- asks for a loan, 
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the bank collects these data points, the CFPB makes this information available to the publicpotentially exposing very personal information on the loan applicant to the public. I understand 

that this is a huge issue for not only Wyoming, but also several rural states and communities. 

Has the small business community expressed privacy concerns to the SBA on this rule? 

ANSWER: In general discussion with lending partners, this has been raised to me as a concern. 

The Office of Advocacy may be able to offer a more detailed answer on what they have heard 

through their own roundtables. 

QUESTION4: 

As Budget Chairman I spend a great deal of time thinking about our nation's fiscal situation. 

Throughout the course of this Administration, I have spoken with a number of Department heads 

and stressed the need to become a more efficient government. As a former small business owner 

and accountant, I believe that improving the efficacy of government agencies can have a lasting, 

positive effect. Reforms done right across the departments will reduce money going to overhead 

costs and direct more to providing actual assistance to Americans. 

Can you talk about some of the efficiency reforms that you have undertaken and how you believe 

the Small Business Administration can increase efficiency to better serve small businesses? 

ANSWER: This has been a priority of mine since being sworn in as Administrator. I have 

initiated a broad review across all our programs with a goal of providing those services in a more 

efficient and effective way. Our senior leadership team has responded well to that initiative and I 

hold them accountable for key deliverables. Examples include our new contracting certification 

platform which enables a more efficient process for potential contractors; our lender match 

program which connects potential borrowers to lenders; and our new IT platform within our 

disaster program to improve our application process for disaster survivors. 
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Senate Committee on Small Business and Entrepreneurship Hearing 

May 15,2018 

Follow-Up Questions for the Record 

Questions for Administrator McMahon 

Senator Hirono 

Local SBA District Offices 

The Small Business Administration's (SBA's) local district offices provide important supports 

for local small businesses, maintaining connections to local communities and promoting SBA's 

mission of helping Americans start, build, and grow their businesses-wherever they may be 

located. I appreciate your commitment to visiting all 68 district offices, and, as I mentioned 

during your hearing, look forward to coordinating with your office ahead of your visit to the 

Hawaii District Office. 

QUESTION 1: 

Will you please keep us updated on your visit to Hawaii as you continue to plan your visit to our 

state, and share any relevant materials that you plan to distribute to local businesses? 

ANSWER: Yes, we will certainly keep you updated on when I might be able to schedule my 

visit with our Hawaii SBA district office and local businesses. 

QUESTION2: 

Will you work with the Hawaii District Office to identify local small businesses that serve as 

good examples of how SBA resources are supporting local businesses and communities? 

Last year, in response to written questions submitted after your confirmation hearing, you 

committed to ensuring that SBA' s district offices have adequate resources to effectively deliver 

SBA programs and services, and expressed a commitment to supporting enhanced 

communications as well as staff trainings to promote and deliver programs to local communities. 

ANSWER: Yes, our approach for my Ignite Tour travel is to work with our district office staff to 

identify SBA borrowers and businesses for me to interact with in those communities. Also, as 

part of the agency's field alignment project, we are ensuring that all local district offices have 

adequate resources and the local staff is trained to provide superior services to small business 

customers. And we are placing more emphasis on outcome-based metrics so that we can hold the 

offices accountable in how they are delivering services. 

QUESTION3: 

What new initiatives, if any, has SBA undertaken to support local district offices through staff 

trainings? 

ANSWER: Prior to launching the Ignite Tour last year, we held a conference with all of our field 

leadership. The conference was a precursor to the broad field alignment project SBA launched 

last year to facilitate effective communication between SBA headquarters and district offices and 
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to ensure that district office staff are kept abreast of policy changes. Key to this effort is training 

on how best to deliver SBA services in a manner that is consistent across all offices. In addition 

to the annual leadership conference, our lending relations specialists are brought together 

annually for direction and training. 

QUESTION4: 

How has SBA supported these offices in promoting, delivering, and enhancing program 

utilization for local communities? 

ANSWER: As I mentioned in response to the previous question, our field aligmnent project is 

helping to better connect our offices and better deliver our services. 

Natural Disasters in Hawaii 

Recently Hawaii has suffered from several natural disasters-from record rainfall in North Kauai 

and East Honolulu that led to severe flooding and mudslides, to earthquakes and volcanic 

activity that continue to disrupt businesses and communities in East Hawaii and elsewhere. 

QUESTIONS: 

Recognizing that for a state like Hawaii, where our district office is on one island (Oahu) and 

businesses impacted by natural disasters may be on other islands (i.e. Kauai, Hawaii Island), will 

you consider visiting small businesses impacted by natural disasters on Kauai and Hawaii 

Island? 

ANSWER: Following the hurricanes last year, I had the opportunity to visit several regions 

impacted by those storms. With respect to potential travel to Hawaii and our district office, I am 

happy to engage further and consider this request as that travel plan is coordinated. 

QUESTION6: 

Will you work with the Hawaii District Office to identify areas for potential visits? 

ANSWER: Yes, as mentioned previously, we routinely work through our district directors as 

part of our trip coordination. 

Native American Outreach (NAO) 

Local Hawaii businesses and entrepreneurs have benefited from SBA's Entrepreneurial 

Development Programs (ED Programs)-including Native American Outreach (NAO), which 

provides resources to serve businesses in some of the most economically disadvantaged 

communities in our nation. While relatively small compared to other SBA programs, NAO has 

continued to support new and established Native owned businesses, including Native Hawaiian 

businesses, through workshops, seminars, and other trainings. Congress appropriated $2 million 

for NAO in FY2018, but the Administration only requested $1.5 million for the program in 

FY20 19, and $54 million less for all ED Programs next year. 

QUESTION7: 

Have you had the opportunity to meet with businesses that have benefitted from NAO? 
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ANSWER: The SBA recently completed three Tribal Consultations in Alaska, Oklahoma, and 

New Mexico. These consultations were listening sessions about potential changes to the 8(a) and 

HUBZone programs and other issues that Native American business owners face. Additionally, 

senior officials from SBA's Office of Government Contracting and Business Development will 

be attending and speaking at the Native Hawaiian Organization Association (NHOA) Annual 

Conference in August and plan to independently meet with the NHOA Board to better 

understand concerns of the Native Hawaiian business community. All of this feedback will be 

taken into consideration regarding program priorities and direction. 

QUESTIONS: 

Recognizing the difficult tradeoff's you have to make while developing your budget requests, do 

you recognize the positive impact programs like NAO can have on small businesses, and will 

you continue to support these programs with the resources appropriated through Congress? 

ANSWER: Yes. In 2017, we introduced the Native American Entrepreneurial Empowerment 

Workshop program where potential entrepreneurs and business owners have received training to 

pursue their small business dreams and build a foundation for economic growth in their 

communities. In 2017, we assisted 220 individuals with workshops in South Dakota, Nevada, 

Arizona, Minnesota, Iowa, Montana, Arizona, Arkansas, Oklahoma, and New Mexico. 

QUESTION9: 

Do you recognize the positive impact other ED Programs can have on small businesses, and will 

you continue to support them with the resources appropriated through Congress? 

ANSWER: Once appropriated, the SBA will continue to fund programs at appropriated levels. 

QUESTION 10: 

What other initiatives or opportunities, if any, does SBA have plarmed to support Native owned 

businesses in the coming year? 

ANSWER: We are currently planning to provide seven additional Native American 

Entrepreneurial Empowerment Workshops in 2018 to provide specialized training and technical 

assistance to Native American communities for nascent and established entrepreneurs. We are 

coordinating the workshops with other agencies like USDA to reach more Native owned 

businesses throughout the United States. We expect to provide workshops in 2019, although the 

planning process is in the early stages. 

Federal Contracting Opportunities 

Last January during your confirmation process I highlighted the importance of providing federal 

contracting opportunities for small businesses in Hawaii and elsewhere, and asked for your 

commitment to making sure the federal government is meeting the subcontracting goals 

Congress has put into place. In a written response you expressed a commitment to looking at 

why and where subcontracting goals are not being met. You also replied that the SBA 

Administrator has a statutory responsibility to make sure small businesses obtain their fair share 

of federal procurement opportunities wherever those businesses are located. 
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QUESTION 11: 

Can you describe what steps SBA has taken since last year to make sure federal contracting 

opportunities are available to small businesses in Hawaii and elsewhere, and to make sure that 

small businesses are receiving their fair share of federal procurement opportunities? 

ANSWER: We have Procurement Center Representatives that cover procuring activities in 

Hawaii to review acquisitions for bundling and to see if the acquisition should be set aside for 

small businesses. At the federal level, we collaborate with all of the agencies, including those 

with buying activities in Hawaii, and provide a scorecard based on their efforts to meet federal 

contracting goals. 

QUESTION 12: 

Will you continue working to address this issue? 

ANSWER: Yes, we are dedicated to working with all federal agencies to encourage increased 

utilization of small businesses to the maximum extent practicable to fulfill their missions. 

Minoritv Owned Small Businesses 

Last January I also highlighted the importance of supporting minority owned small businesses, 

which locally in Hawaii include Native Hawaiian Organizations (NHOs)-particularly through 

SBA's 8(a) Minority Small Business and Capital Ownership Development Program for 

businesses owned by individuals who are socially and economically disadvantaged. In a written 

response you expressed your belief that all small businesses should have opportunities to provide 

goods and services to the federal government, and that in addition to the 8(a) program you 

wanted to see whether there were other avenues by which SBA could increase participation in 

the marketplace for minorities. 

QUESTION 13: 

Can you provide an update on what SBA has been doing in these areas? 

ANSWER: I have been pleased with the growth and development in a number of our programs, 

and we continue to address these areas. For example, our Emerging Leaders program, a training 

initiative for business growth in historically challenged communities, has seen record 

participation this year. We have recently expanded the reach of our Women's Business Centers 

so as to serve more locations within states and to create centers in states without one. Also, our 

Microloan program has continued to grow this year providing lending opportunities in 

economically underserved areas. Additionally, SBA is in the process of drafting proposed rules 

to amend both the 8(a) and HUBZone programs to make them more efficient and less 

burdensome to both procuring agencies and our small business constituents. We understand our 

oversight responsibilities, but do not seek to impose unnecessary or excessive burdens on the 

small businesses we serve. 

QUESTION 14: 

How has SBA continued to support minority owned small businesses in the United States? 
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ANSWER: In FY 2017, the federal government awarded $40.2 billion in prime contract dollars 

to small disadvantaged businesses (SDB), which is 9.10% of all federal prime contract dollars 

and surpassed the 5% SDB goal. Of that, $16.3 billion, or 3.67% went to 8(a) participants, which 

are firms that SBA certifies to participate in the 8(a) program based on the social and economic 

disadvantage of individuals who own and control the company. 

Veteran Owned Small Businesses 

Veteran Service Organizations (VSOs) have highlighted problems with veterans obtaining access 

to SBA lending programs-something I highlighted during your confirmation process last year 

when you expressed an interest in learning more about SBA's programs that support veterans. 

Last year, I introduced S. 1056, the Veteran Small Business Export Promotion Act, with Senator 

Rounds, which was endorsed by both small businesses and VSOs. S. 1056 would promote U.S. 

exports by simply making permanent in law the SBA' s current policy of waiving up front fees for 

veterans and their spouses applying for SBA's various export-specific Joan programs. The fee 

waiver has changed from year to year, so making it permanent would provide some certainty for 

veteran owned small businesses. 

QUESTION 15: 

Do you believe SBA has taken appropriate steps to support veteran owned small businesses? 

Should SBA be doing more to support veterans? 

ANSWER: The SBA works very hard to support our veteran owned small business community 

and continually seeks out ways to maximize that engagement. On a quarterly basis, our program 

office hosts advisory committees to ensure we stay informed on what's happening in the veteran 

small business community in regard to issues such as federal contracting, access to capital, 

businesses development and commercial supply chain opportunities. 

We also collaborate with public and private sector stakeholders to ensure the programs and 

resources available to veteran and military spouse owned businesses are widely marketed, 

understood and available. Partnerships include; American Legion, U.S. Chamber of Commerce; 

VA Vocational Rehabilitation and Employment; National Veteran Small Business Coalition; 

DoD Transition to Veteran Program Office and Spouse Employment and Career Opportunities 

Program Office. 

Other program highlights include the March celebration of our one-thousandth graduate from the 

Veteran Institute for Procurement (VIP). The success of this program is evident by the large 

number of graduates who have won govermnent contracts, created thousands of jobs and grown 

their businesses. Also, we recently expanded the number of Veteran Business Outreach Centers 

(VBOCs) from 20 to 22. The expansion allows SBA to cover Tennessee, Kentucky, North and 

South Dakota with support and outreach to veteran owned small businesses in those states. 
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QUESTION 16: 

Will SBA supportS. 1056? 

ANSWER: I welcome the opportunity to work with you and your colleagues and provide 

additional technical comments and feedback on the legislation, specifically with regard to how 

any potential fee waivers fit within our aunual budgeting capabilities. 

Small Manufacturing Businesses 

Hawaii has not traditionally been considered a manufacturing base, but its small and independent 

breweries have generated substantial economic impact and created local manufacturing and 

service sector jobs. You previously expressed a willingness to support initiatives that grow 

manufacturing businesses, increase jobs, and help small manufacturers compete in the global 

marketplace. 

QUESTION 17: 

Have you had an opportunity to meet with small manufacturers in the United States during your 

visits to SBA' s local district offices? 

ANSWER: Yes, I have had the opportunity to visit with many small manufacturing businesses 

and owners as part of my roundtables and business visits during my travel. 

QUESTION 18: 

Do you believe SBA has taken appropriate steps to help small manufacturers compete 

domestically and internationally? 

ANSWER: SBA can continue to help small manufacturers in much the same way as all 

businesses, through making sure that they know of and have access to our programs, as well as 

awareness of and access to counseling through our resource partner network. Additionally, 

SBA's Office ofinternational Trade works closely with SBA resource partners and small 

business manufacturers help small businesses take advantage of opportunities in international 

markets. 

STEM Workforce 

Women make up more than half the U.S. population but only a quarter of the STEM workforce, 

and similar disparities exist for minorities and other historically underrepresented groups living 

in the United States. We can and should be doing more to make sure these groups are better 

represented in the STEM workforce, and that we strengthen the STEM pipeline to make sure the 

businesses of future have access to our full talent pool-which will serve to make these 

businesses more competitive in the long run. These are several reasons why I held a field hearing 

on the STEM pipeline in August 2016. 

QUESTION 19: 

What steps has SBA taken to better understand the STEM pipeline and better support the needs 

of small businesses as they relate to STEM? 
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ANSWER: I welcome the opportunity to work with you and learn more about your previous 

hearing and efforts. With respect to the agency's programs, SBA's outreach activities are 

targeted towards increasing the awareness and education needed to assist entrepreneurs with 

obtaining awards from the annual funding of approximately $2.5 billion provided through the 

SBIR and STTR programs. These awards are related to satisfying the research and development 

needs of the federal government. Additionally, SBA's train the trainer activities, SBA SBDCs, 

SBA District Offices, and PT ACs assist small business entrepreneurs, including those with 

STEM backgrounds. 

QUESTION 20: 

What steps, if any, has SBA taken to increase participation in the pipeline among women, 

minorities, and other underrepresented groups? 

ANSWER: SBA's Federal and State Technology (FAST) Partnership program and the Growth 

Accelerator Fund Competition (GAFC) program provide outreach activities that target women 

and minority entrepreneurs, including those in STEM related industries. The FAST and GAFC 

funding opportunity announcements request that entities applying for awards target one or both 

of these groups in the services the prospective award recipient will provide. Furthermore, SBA's 

Office of Investment and Innovation, which oversees the SBIR and STTR programs, conducts 

outreach across the country that encourages women and minority business owners to participate 

in the SBIR and STTR programs. 

QUESTION 21: 

What plans, if any, does SBA have to support businesses by making sure they have the 

employees they need to be competitive in industries that require workers with relevant STEM 

background and training? 

ANSWER: This is an area that the agency can look more closely at through our interagency 

discussions with other federal agencies and our focus on helping small businesses better identify 

and meet workforce demands. 

QUESTION 22: 

Could SBA be doing more to support these businesses? 

ANSWER: In addition to our interagency working group discussions, SBA can also examine 

how counseling provided through our resource partner network may better assist these 

businesses. Further, through SBA' s administrative support of the SBIR/STTR program, small 

businesses can seek and receive funding awards directly from one of the eleven participating 

federal agencies. 

QUESTION 23: 

Could SBA be doing more to examine the pipeline? 

ANSWER: Indirectly, SBA may influence STEM entrepreneurs through SBA's outreach and 

technical assistance associated with the SBIR/STTR, FAST and GAFC programs. SBA will 

continue this form of support for small businesses operating in STEM -related industries. 
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Small Business Innovation Research (SBIR)!Small Business Technology Transfer (STTR) 

Programs 

SBA's Small Business Innovation Research (SBIR) and Small Business Technology Transfer 

(STIR) programs set aside certain percentages offederal research and development funds for 

small businesses, and have supported federal research opportunities for local businesses in 

Hawaii. You previously highlighted the SBA Administrator's critical responsibility of certifying 

that all federal agencies are compliant with statutory commitments to support small businesses, 

and last year expressed a commitment to actively working with agencies to make sure that they 

meet or exceed their small business contracting requirements. 

QUESTION 24: 

What steps has SBA taken since last year to make sure that federal agencies are meeting or 

exceeding these requirements? 

ANSWER: Last year, SBA strengthened its analysis of the data submitted by agencies that 

participate in the SBIR and STTR programs to determine whether those agencies are meeting the 

minimum SBIR and STTR spending requirements. When SBA identifies discrepancies in the 

data reported by the participating agencies, SBA communicates closely with those agencies and 

highlights unresolved issues in SBA's Annual Report on the SBIR and STTR programs. SBA 

will continue to work with the participating SBIR and STTR agencies to assist with program 

compliance. 

QUESTION 25: 

Will you continue working to address this issue? 

ANSWER: Yes, SBA will continue to work with the participating agencies to receive the 

necessary data for SBA to determine whether the agencies are in compliance with the minimum 

spending requirements. 

State Trade Expansion Program (STEP) 

Hawaii remains a gateway to the Asia-Pacific, and the State of Hawaii has used resources under 

SBA's State Trade Expansion Program (STEP) to create the Hawaii State Trade Expansion 

Program, or HiSTEP, which partners with the private sector to give Hawaii small businesses 

access to comprehensive export assistance, counseling and training services, and opportunities to 

showcase their services and products at trade shows. 

I voted to support the creation of STEP in 2010, and have continued to support the program since 

that time-including by supporting its renewal through 2020. However, as with other ED 

Programs, SBA requested much less funding for STEP in FY20 19 than the program received for 

FY2018. 

QUESTION 26: 

You previously expressed an interest in learning more about how STEP and other export 

promotion programs have effectively supported businesses in the United States. Have you had 
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the opportunity to meet with businesses that have benefitted from STEP since you were 

confirmed? 

ANSWER: Yes, I have heard from businesses during my travel and roundtables that have 

participated in the STEP program. In addition, I am regularly updated from our agency staff and 

grants administrators about their outreach to states. The Office oflntemational Trade recently 

started a Site Visit program, where staff visits each STEP awardee every two years. The purpose 

of the program is to physically visit the state to talk with the state STEP director and staff, 

eligible small business concerns (ESBCs), and key stakeholders. While this is a new program, 

we have completed three Site Visits, and we have plans to complete another six before the end of 

the fiscal year. Lastly, we are pleased with the success of Hawaii's State Trade Expansion 

Program (HISTEP). HI STEP has supported over 1 ,200 small businesses with over $4 million in 

sales to new markets from STEP funds. 

QUESTION 27: 

Recognizing the difficult tradeoff's you have to make while developing your budget requests, do 

you recognize the positive impact programs like STEP can have on small businesses, and will 

you continue to support these programs with the resources appropriated through Congress? 

ANSWER: Yes, we recognize the positive impact of the program and will continue supporting 

STEP as funds are appropriated annually for the program. 

QUESTION 28: 

What other initiatives, if any, does SBA have planned to help businesses promote their products 

and services overseas? 

ANSWER: STEP encourages collaboration with other SBA resource programs and partners to 

fully equip small businesses with exporting their products and services for increased profitability 

and market expansion. This involves technical assistance from the SBA Office of International 

Trade on trade barriers, trade agreements and access to 21 U.S. Export Assistance Centers 

(USEACs) export finance and Joan programs co-located with the U.S. Department of Commerce 

and the Export-Import Bank of the United States. It also involves a range of certified 

international business counseling and training services through the Small Business Development 

Centers, Women Business Centers, and Veterans programs. 
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Senate Committee on Small Business and Entrepreneurship Hearing 

May 15,2018 

Follow-Up Questions for the Record 

Questions for Administrator McMahon 

Senator Duckworth 

Veterans Small Business Enhancement Act 

I recently introduced S. 2679, the Veterans Small Business Enhancement Act of2018 to help 

expand economic opportunity for small business owners who are Veterans. Senator Durbin and 

Senator Kennedy joined me in introducing this bipartisan legislation that would allow Veteranowned small businesses to acquire surplus equipment and property that the Federal Government 

does not need. 

Specifically, S. 2679 would require that you coordinate with the Administrator of the U.S. 

General Services Administration (GSA) to provide Veteran-owned small businesses with access 

to surplus property under GSA's Federal Surplus Property Donation Program. As you are aware, 

GSA has overseen distribution ofF ederal surplus property for 15 years in partnership with the 

Small Business Administration (SBA) and State Agencies for Surplus Property (SASP), which 

disburse property to eligible recipients who otherwise may have been unable to acquire it. 

Our bipartisan legislation is nearly identical to a previous version of the Veterans Small Business 

Enhancement Act (S. 1400) that the Conunittee favorably reported by voice vote. The Veterans 

of Foreign Wars and the National Association of State Agencies for Surplus Property have 

endorsed S. 2679. 

QUESTION 1: 

Administrator McMahon, would you agree that when our Veterans return home from their 

service, they deserve our full support as they transition back into civilian life, and that includes 

supporting their efforts to build and manage a small business? 

ANSWER: We owe returning veterans the highest form of gratitude for their service to our 

country. From fighting for freedom to creating jobs, our service members and their spouses are 

an invaluable asset to our communities, and I am proud of the SBA initiatives available to 

support them. 

As you know, the SBA has an Office of Veterans Business Development that actively works 

with veterans through the nationwide Veterans Business Outreach Centers (VBOCs) to provide 

entrepreneurial development services such as business counseling, training, and mentorship. 

Additionally, the SBA offers the Boots to Business entrepreneurial education program that 

provides assistance to transitioning service members for exploring business ownership and selfemployment opportunities. In FY17, SBA trained more than 28,000 veterans through the VBOCs 

and provided transition assistance to more than 17,000 veterans leveraging the Boots to Business 

program. 
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QUESTION2: 

Since small businesses participating in SBA's 8(a) Program have been provided access to 

Federal surplus property for nearly two decades as part of business development assistance, 

would you concur that participating in the Federal Surplus Property Donation Program is 

valuable in helping 8(a) small businesses succeed, and that the approximately 2.5 million 

Veteran-owned small businesses throughout our country would benefit from enacting S. 2679 to 

make sure our heroes may obtain surplus property and equipment that the Federal Government 

has no use for, but which could be incredibly valuable to a Veteran-owned small business? 

ANSWER: When I meet with veteran entrepreneurs, I thank them for their service and 

encourage them to take advantage of all federal opportunities to ensure success. While I am 

most familiar with the initiatives available from the SBA, including our 8(a) program, there are 

programs throughout the federal government that I am certain would be of use to veteran-owned 

small businesses. 

QUESTION3: 

Administrator McMahon, will you commit to supporting the bipartisan effort to pass S. 2679 

during the !15th Congress to help our Veteran-owned small businesses in Illinois, Louisiana and 

throughout the country? 

ANSWER: I welcome the opportunity to work with you and your colleagues to provide 

additional technical comments and feedback on the legislation to best position it to align with the 

abilities of the SBA to support veteran-owned businesses. 

Small Business Investment Company Program 

The SBA's Small Business Investment Company (SBIC) program helps small businesses access 

long-term capital. Congress authorized SBA to partner with private investors to establish 

privately-funded SBICs to help small businesses access to private capital that is critical for 

expanding facilities, buying equipment and creating jobs. If effectively administered, the SBIC 

program represents a win-win initiative for the public and private sectors. However, based on 

recent SBA data, I am concerned that the SBIC program's licensing process is suffering from 

delays that is reducing the number ofSB!Cs, which in tum, reduces the amount of private capital 

small businesses may access. 

QUESTION4: 

Administrator McMahon, please describe in detail how SBA will improve the effectiveness and 

efficiency of the SBIC program's licensing process and share your goals for the coming fiscal 

year in terms of increasing the number ofSBICs that SBA will partner with. In addition, please 

share your view on what actions Congress could take to help SBA increase the number of 

partnerships with SBICs. 

ANSWER: SBA's improvement plans include the following areas: 
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I) Program Participants: SBA is holding roundtables with SBIC program participants to 

identifY areas of concern and ways to improve SBA regulations and procedures to 

improve clarity and modernize the SBIC program. 

2) Outreach: SBA is developing a marketing plan to target prospective SBIC applicants who 

are interested in focusing on financings to small businesses in areas that have an 

inadequate supply of investment capital. 

3) Technology Modernization: SBA has initiated a technology modernization effort seeking 

to acquire improved technology that is commensurate with private sector investment 

entities.