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SCORE

 

National SCORE Association

Address: SCORE Association
409 3rd Street, SW
6th Floor
Washington, DC 20024
Phone: (800) 634-0245
Website: www.score.org/
Notes:               SCORE is a 501 (c) (3) nonprofit organization.   We provide a public service to America by offering small business advice and training. Formed in 1964 to help small businesses flourish.  Provides on-line counseling from counselors all over U.S..
Keywords: National, cyber, counseling

 

Colorado Springs SCORE, Chapter 0206
Address:

2 North Cascade Ave, Ste 110

Colorado Springs, CO  80903
Phone: (719) 636-3074
FAX: (719) 531-9350
E-Mail: rbschutz@codenet.net
Website: www.coloradospringsscore.org/
Keywords: Colorado Springs, counseling, CO Springs

 

Denver SCORE, Chapter 62

Address: 721 19th Street, 4th Floor, Room 426
Denver, CO 80202
Phone:

Counseling:  (303) 844-3985 ext. 213

Office:  (303) 844-3985 ext. 214
FAX: (303) 844-6490
E-Mail: score62@scoredenver.org 
Website: www.scoredenver.org
Notes: SCORE counselors provide free, confidential counseling to help people start, and operate a successful small business.  In addition, four workshops are offered:  Starting Your Own Business ($50), Advice From The Experts ($50), Promote Your Business ($50), and The Business Plan ($65). 
Keywords: Counseling, workshops, CO SCORE

 

Longmont SCORE Office, part of Chapter 62
Address:

Career Development Center

1200 South Street

Longmont, CO  80501
Phone: (303) 682-1071
Keywords: counseling, CO SCORE

 

Pueblo SCORE, Chapter 0110
Address:

c/o Chamber of Commerce

302 N Santa Fe

Pueblo, CO  81003
Phone: (719) 542-1704
E-Mail: comments@puebloscore.org
Keywords: Pueblo, Colorado, CO SCORE, counseling
 

 

Steamboat Springs SCORE Office, part of Chapter 62

Address:
1131 Bob Adams Drive
Steamboat Springs, CO 80437
Phone:  (970) 870-4491
Keywords: Steamboat Springs, CO SCORE,  counseling
 

   

 

 

GOVERNMENT

 

FEDERAL GOVERNMENT

 

INTERNAL REVENUE SERVICE (IRS)

CITY ADDRESS DAYS/HOURS OF SERVICE TELEPHONE
Colorado Springs 2864 S. Circle Dr.
Colorado Springs, CO 80906

Monday-Friday - 8:30 a.m.-4:30 p.m.

 

 

 (719) 579-5227
Denver 600 17th St., 3rd floor
Denver, CO 80202		 Monday-Friday - 8:30 a.m.-4:30 p.m. (303) 446-1675
Ft. Collins 301 S. Howes St.
Ft. Collins, CO 80521		 Monday-Friday - 8:30 a.m.-4:30 p.m. (Closed for lunch 12:30 p.m. - 1:30 p.m.) (970) 221-0688
Grand Junction 400 Rood Ave.
Grand Junction, CO 81502		 Monday-Friday - 8:30 a.m.-4:30 p.m. (Closed for lunch 11:30 a.m. -12:30 p.m.) (970) 241-6265
Non-Profits

P.O. Box 192

Covington, KY  41012-0912

   (877) 829-5500

 

 

Website:  www.irs.gov/
Notes:  An Employer Identification Number (EIN) is used to identify a business entity. Generally, businesses need an EIN.  It can take 1-5 weeks to get an EIN, depending on how it is applied for:  by phone (Business & Specialty Tax Line, (800) 829-4933), FAX, mail, or online (Form SS-4).  No cost.  Income, unemployment, social security, and medicare taxes are filed with the IRS.
Keywords:

EIN, TIN, FEIN, Employer Identification Number, Federal Tax Identification Number,Tax Identification Number, Tax No,  taxes, close business, FUI, FICA, FUTA, Social Security Tax, Medicare Tax, income Tax, Federal Unemployment Insurance, FTD, Federal Tax Deposit, Federal Unemployment Tax

   

Social Security Administration
Address: Office of Public Inquiries
Windsor Park Building
6401 Security Blvd.
Baltimore, MD 21235
Phone: (800) 772-1213
Website:  www.ssa.gov/
Keywords: Social Security

 

U.S. Customs Service
Address:

1300 Pennsylvania Avenue, NW

Washington, D.C. 20229

Phone: (202) 354-1000
Website:  www.customs.ustreas.gov/
Keywords: Import, export, border security, customs, international trade

 

U.S. Department of Commerce
Address:

1401 Constitution Avenue, NW

Washington, DC 20230

Phone:  (202) 482-2000
Website:  www.commerce.gov/
Keywords: Trade, economic development, commerce

  

U.S. Federal Trade Commission (FTC)
Address:

600 Pennsylvania Avenue, N.W.,

Washington, D.C. 20580
Website: www.ftc.gov/
Keywords: Competition, truth in advertising, price fixing, consumer protection

 

U.S. Food and Drug Administration (FDA)
Address:

5600 Fishers Lane

Rockville MD 20857-0001
Phone: 1-888-INFO-FDA (1-888-463-6332)
Website: www.fda.gov/
Keywords: Product regulation, food, drug

        

 

 

COLORADO STATE GOVERNMENT

 

State of Colorado
Phone: (303) 866-5000
Website:

www.colorado.gov/

www.colorado.gov/colorado-doing-business/
Notes: The official source for on-line services and information for Colorado
Keywords: Colorado Business

 

Colorado Attorney General

Address: 1525 Sherman St.   5th floor
Denver, CO 80203
Phone: (303)866-4500
FAX: (303)866-5691
Website: www.ago.state.co.us/
Notes: Enforcement of consumer protection and antitrust laws; prosecution of criminal appeals and some complex white-collar crimes
Keywords: Consumer complaints, attorney general, consumer protection, antitrust

 

Colorado Department of Agriculture
Address: 700 Kipling St., Suite 4000
Lakewood, CO 80215-8000
Phone: (303) 239-4100
FAX: (303) 239-4125 
Website: www.ag.state.co.us/
Keywords: Livestock, Plants, Animal Industry, State Conservation Board, Colorado State Fair, Agriculture

                                  

Colorado Department of Public Health and Environment
Address: 4300 Cherry Creek Drive South
Denver, Colorado 80246-1530
Phone: (303)  692-2000 or 1-800-886-7689
Website: www.cdphe.state.co.us
Keywords: Environment, hazardous waste, air pollution, consumer protection, water quality, public health

 

Colorado Department of Regulatory Agencies
Address:

1560 Broadway, Suite 1550

Denver, CO 80202
Phone: (303) 894-7855
FAX: (303) 894-7885
Website:

www.dora.state.co.us

www.dora.state.co.us/library/databases3 (insurance, real estate, PUC data bases)www.colorado.gov/colorado/permits (state permit and license index)
Notes: Regulates banks, telephone companies, doctors, insurance companies, electricians, plumbers, accountants; state permits and licenses; Civil Rights Division – see Labor and Employment Sections
Keywords: Permits, licenses, regulatory, Dept of Reg, regulated

 

Colorado Department of Revenue
Address:

1375 Sherman Street

Denver, CO  80261
Phone: (303) 238-3278
Website:

www.revenue.state.co.us

www.businesstax.state.co.us/tradenames  (trade name search) www.revenue.state.co.us/TPS_Dir/home  (taxes)
Notes: Customer Service Representatives are available Monday through Friday, 8 a.m. to 4:30 p.m., except state holidays
Keywords: State sales tax, state income tax, SUI, State Unemployment Tax, Dept of Revenue, Dept of Rev

           

Colorado Office of Economic Development and International Trade
Address: 1625 Broadway Suite1700
Denver, CO 80202
Phone: (303) 892-3840
FAX: (303) 892-3848
Website:

www.advancecolorado.com

www.advancecolorado.com/business-finance/index (financing)
Notes: Provides assistance to new and existing companies looking to expand or relocate in Colorado. Also provides a variety of technical assistance services including assistance with site selection, research on economic conditions and comparisons, and coordination with local and regional economic development agencies and services.
Keywords: SBDC, Minority Business, business development, economic development, international trade, financing, enterprise zones, import, export, OEDIT, financing

 

Colorado Secretary of State, Business Division
Address:

1700 Broadway  Ste 200

Denver, CO  80290
Phone: (303) 894-2200;  press 2 for voice
FAX: (303) 869-4864
E-mail: business@sos.state.co.us
Website: www.sos.state.co.us
Links:

www.sos.state.co.us/biz/FileDoc  (reserve business name/ availability search)                        www.sos.state.co.us/pubs/info_center/fees7_01_04.htm (Document Fee Schedule)
Notes: Businesses must register with the Secretary of State – see fee schedule website.  Corporate documents and annual reports are also filed here.  Office Hours - Monday through Friday, 7:30 a.m. - 5:00 p.m.

 

Colorado Secretary of State, Licensing and Enforcement Division
Address:

1700 Broadway  Ste 300

Denver, CO  80290
Phone: (303) 894-2200
FAX: (303) 869-4871
E-mail: licensing@sos.state.co.us
Notes: Issues Bingo/Raffles licenses, commissions notaries public, collects and disseminates information filed by charitable organizations that solicit contributions in Colorado
Keywords: Licenses, notary public, charities, Secretary of State, Sec of State, SOS, bingo, raffles

    

    

 

LOCAL GOVERNMENT

 

City of Denver
Website: www.denvergov.org/
Notes: Official website for the city of Denver.
Keywords: Denver Business, government contracting, purchasing, procurement

 

Denver Excise and Licenses

Address:          

201 W. Colfax Ave.

Denver, CO  80202
Phone:   (720) 865-2740
Website:    www.denvergov.org/business

 

Denver Office of Economic Development
Address:

201 W Colfax, Ste 200

Denver, CO  80202
Phone: (720) 913-1999
FAX: (720) 913-1802
Website: www.milehigh.com/webad/
E-mail: oed@denvergov.org
Notes: Offers regulatory assistance, relocation and expansion services, economic and demographic data, Enterprise Tax-Zone Credit assistance, and international trade assistance for businesses located in Denver or looking to do business in Denver.  Offers compliance assistance with city contracts, small business and disadvantaged business ownership certification, compliance assistance for businesses located at Denver International Airport and manages the Denver Business Assistance Center.
Keywords: Job creation, business assistance, housing options, neighborhood redevelopment, Denver economic development, Denver business development, financing, OED

 

Littleton Business/Industry Affairs Office
Address:

2255 W Berry Ave

Littleton, CO  80165
Phone: (303) 796-3760
Contact: Christian Gibbons, Director
Notes: Must by a Littleton Resident or Business

 

 

LABOR AND EMPLOYMENT

 

Steps When Hiring Employees
1. Determine whether workers will be independent contractors or employees.
2. Establish personnel policies regarding compensation, fringe benefits, termination, grievances, harassment, discrimination, etc.
3. Review federal and state employee regulations such as minimum wage, overtime pay, work hours, employee postings, etc.
4. Apply for a federal employer identification number (FEIN) through the IRS with Form SS-4.
5. Apply for Colorado State wage withholding account through the Colorado Department of Revenue with form CR100.
6. Obtain required employer postings and post so all employees can see them – see U.S. Department of Labor and Colorado Department of Labor
7. Employees must complete form I-9 when hired.  Under Colorado law, employers must verify employee's legal work status and keep documentation (see http://www.mofo.com/news/updates/bulletins/bulletin02205.html)
8. Employees must complete form W-4 when hired.  Employers must submit a copy to the Colorado State Directory of New Hires within 20 days of the hire date.
9. Employers must withhold federal and state income taxes and Social Security/Medicare taxes from employee wages.  Employers must send amount withheld to the IRS and Colorado Department of Revenue.
10. Employers must pay federal and state unemployment insurance – see IRS and Colorado Department of Labor and Employment
11. Check with local authorities to see if there are any tax or registration requirements.
12. Employers must obtain Workers’ Compensation Insurance.
13. Review OSHA requirements for the business.  Develop safety procedures.
14. Review the Americans with Disabilities Act (ADA) requirements for the business.
15. Employers must provide employees with a form W-2 and independent contractors with form 1099 by January 31.  Copies of these forms must be sent to the IRS and Colorado Department of Revenue by February 28.  Some forms must also be filed with the Social Security Administration by February 28.

 

Employer Posting Requirements
Notes: See Colorado Department of labor and Employment and U.S. Department of Labor and Employment websites for posting requirements.  Some of the postings are provided by the government and some are obtained from insurance carriers or private companies.
Keywords: Labor posting

 

Independent Contractor vs. Employee
Notes: In general, independent contractors determine how work is to be performed, have a significant investment in their work, can realize a profit or loss, are responsible for paying their own income taxes, are paid by the job, and have a business to business relationship.  Contact the IRS for final determination.   Generally, employers have to file 1099-MISC with IRS to report payments of $600 or more to independent contractors.
Keywords: ind contractor, employee
  
Colorado Department of Labor and Employment

Civil Rights Division

Address:          

1560 Broadway, Suite 1050
Denver, CO 80202
Phone:  

(303) 894-2997

(800) 262-4548 – Toll Free

FAX:     (303) 894-7830
Website:    www.dora.state.co.us/civil-rights/
Notes: For charges of discrimination or civil rights violations.
Keywords: discrimination, civil rights, Dept of Labor, Dept of Employment, Department of Labor

      

Colorado Department of Labor and Employment

Division of Labor

Address:          

633 17th Street, Suite 200
Denver, CO 80202-3660
Phone:  

(303) 318-8441

(888) 390-7936 – Toll Free
FAX:     (303) 318-8400
Website:    www.coworkforce.com/lab/
Notes: The Colorado Division of Labor administers laws and regulations governing wages, minimum wage, working conditions, youth employment, and certain union issues and grievances.  See website for Employer Posting Requirements. Minimum wage rate (2007 = $6.85) and overtime provisions are applicable to retail and service, commercial support service, food and beverage, and health and medical industries.
Keywords: Minimum wage, wages, union grievances, overtime, employee

 

Colorado Department of Labor and Employment

Unemployment Division

Address:          

251 E 12th Avenue

Denver, CO  80203
Phone:  

(303) 318-9000

(800) 388-5515 – Toll free

Website:    www.coworkforce.com/UIB/
Notes: Unemployment Insurance (UI) provides temporary and partial wage replacement to workers who have become unemployed through no fault of their own. The program is funded by employer paid taxes and provides benefits to those who meet the eligibility requirements of the Colorado Employment Security Act.   UI requires submission of Form CR 100, Colorado Business Registration, to establish a new UI account.
Keywords: unemployment insurance, unemployment tax, tax

        

Colorado Department of Labor and Employment

Workers’ Compensation Division

Address:          

633 17th Street, Suite 400

Denver, CO 80202-3660
Phone:  

(303) 318-8700

(888) 390-7936 – Toll free

Website:   

www.coworkforce.com/DWC/

www.pinnacol.com/ (insurance agency)
Notes: Employers must purchase insurance coverage through a private insurance company or, if qualified, through self-insurance programs. No portion of this cost may be deducted from an employee's wages.
Keywords: workmans comp, insurance

     

Colorado State Directory of New Hires

Address:          

P.O. Box 2920

Denver, CO  80201-2920
FAX: 303-297-2595
Website:   

www.coworkforce.com/DWC/

www.pinnacol.com/ (insurance agency)
Keywords: new hires

 

U. S. Department of Labor Wage & Hour Division

Address:          

US Dept. of Labor

ESA Wage & Hour Division

1999 Broadway, Suite 2445

PO Box 46550

Denver, CO 80201-6550
Phone:   (866) 487-9243
Website:    www.dol.gov
Keywords: min wage, wages, minimum wage

      

U.S. Bureau of Immigration and Customs Enforcement

Address:          

Denver District Office

4730 Paris Street

Denver, CO 80239
Phone:   (800) 357-2099
Website:    www.uscis.gov/
Notes: With a few exceptions, every U.S. employer must have a Form I-9 in its files for each employee.
Keywords: I-9, customs, immigration, work visa, visa

 

U.S. Equal Employment Opportunity Commission (EEOC)

Address:          

Denver Office

303 E 17th Avenue, Ste 510

Denver, CO  80203
Phone:   (303) 866-1300/1301
Website:    www.eeoc.gov/
Notes: Enforces laws against job discrimination and also provides oversight and coordination of all federal equal employment opportunity regulations, practices, and policies.
Keywords: discrimination, EEOC, equal opportunity

 

U. S. Occupational and Safety Health Administration (OSHA)

Address:          

Denver Office

1391 Speer Blvd, Ste 210

Denver, CO  80204-2552
Phone:   (303) 844-5285
Website:    www.osha.gov
Notes: Assures the safety and health of America's workers by setting and enforcing standards.
Keywords: safety, health

 

 

BUSINESS REGISTRATION

 

Trade Names
Notes: Search the Secretary of State website. Registration or changing trade names costs $8.00. Trade names are renewed annually.
Keywords: business name, entity, trade name search

 

Business Registration
Notes: A person doing business under a name other than his full personal legal name must search for an available business or trade name, then register the trade name with the Secretary of State. File Article of Incorporation (corporation), Certificate of Limited Partnership (LLP), or Articles of Organization (LLC) with the Colorado Secretary of State – see fee schedule link below.     
Link: http://www.sos.state.co.us/pubs/info_center/fees7_01_04.htm (CO Sec. of State Fee Schedule for Document Filing)
Keywords: trade name, business name, sole proprietor, LLC, LLP, Corporation

 

 

 

LICENSES AND PERMITS

 

Business Permits/Licenses
Notes: Contact the Department of Regulatory Agencies for state permits and licenses.  Contact the city, county, and HOA where the business is located to determine legality, e.g. CC&R’s, zoning ordinances, permits, and licenses.  Local government departments to consider: Planning, Economic Development, Building Permits, and Zoning.
Keywords: permit, license, zoning, home-based

 

Denver Excise and Licenses

Address:          

201 W. Colfax Ave.

Denver, CO  80202
Phone:   (720) 865-2740
Website:    www.denvergov.org/business

 

Event License
Notes: Single ($8) or multiple event licenses ($4-$16) required for sales at location other than normal place of business are filed with the Department of Revenue.
Keywords: Sales Tax, single event, swap meet, license

 

Retail Sales Tax License
Notes: Required if selling, renting, or leasing product to end user of product.  Form CR-0100 ($16 for 2 year license +$50 deposit) filed with Department of Revenue.  A business with multiple branches in the state must have a separate license for each location (exception mobile businesses and vending machines).   All county and most city sales taxes are collected by the Colorado Department of Revenue.  Exceptions are home-rule cities.  Check city and county government offices to determine license and permit requirements.
Keywords: home-rule, retail

 

Wholesaler License
Notes: Required for selling product to another business that will resell product or use as ingredient in another product to be resold.  Form CR-0100 ($16 for 2-year license) filed with Department of Revenue.  Wholesaler can sell up to $1,000/year in retail sales under Wholesaler License.  If retail sales exceed $1,000/yr, wholesaler only needs a Retail Sales Tax License to use for both retail and wholesale sales.
Keywords: Wholesale, sales tax

 

 

TAXES

 

City Occupational Privilege Taxes/Head Tax
Notes:

Some cities tax individuals who work within the city limits. This tax is collected through

employer and employee contributions.  Set up this tax account with the city clerk’s office. 

Denver – (303) 640-2644

Greenwood Village – (303) 773-0252

Aurora – (303) 695-7090

 
Keywords: Head tax, Privilege tax, city tax

 

Income Tax
Notes: Federal income taxes are reported to the IRS.  If you expect to owe the IRS more than $1,000 you must make federal estimated tax payments during the year.   State income taxes are reported to the Colorado Department of Revenue.
Keywords: IRS, estimated tax payments, taxes

 

Internet Sales Tax

Notes: A Colorado Internet business must collect sales tax on items sold to customers in Colorado.  Sales tax is not collected on Internet sales to customers outside of Colorado.
Keywords: web sales tax

 

Payroll Taxes
Notes: Payroll taxes must be withheld and/or paid if there are employees in the business:  Federal Unemployment Insurance (FUTA), State UI, Social Security (FICA) and Medicare.  The employer’s portion of FICA must be paid by the self-employed.  Employers must withhold federal, state, and local income taxes (based on W-4 employee completes) and the employee’s portion of FICA/Medicare from their employee’s wages.  Wages and withholding are reported annually on a W-2.  Businesses must provide employees with a W-2 by January 31 of the following year.  Order W-2 forms through the IRS.
Keywords: IRS, taxes, W-2, FUI, FUTA, FICA, medicare, social security, withholding, tax, W-4

 

Property Taxes
Notes: Property taxes are paid on real and business personal property.  Contact the county assessor or treasurer in the county where business is located.
Keywords: taxes, business property

 

Sales Tax
Notes: Sales tax must be collected if goods are sold to a consumer in Colorado.  Many cities and counties levy local sales taxes.  There are also home rule entities that collect their own tax – contact local sales tax division.  A Sales Tax I.D. Number is required.  State, county, and city sales taxes are collected by the Department of Revenue.    Businesses with a Wholesaler License do not need to pay sales tax on items purchased for use in a product that will be resold to an end user.  See  www.taxview.state.co.us/ for sales tax rates and sales tax license verification.
Keywords: retail, license, sales tax rates

 

Self-employment Taxes
Notes: Sole proprietors, partners, and members of an LLC must file estimated self-employment taxes if taxes are expected to be more than $1,000 (federal and state separately).  These are paid quarterly to the IRS (income, FICA/medicare – both employer and employee portions) and the Department of Revenue (income).
Keywords: Home-based, sole proprietor, partner

 

Unemployment Insurance Tax
Notes: Unemployment Insurance (FUI, FUTA, SUI) provides temporary and partial wage replacement to workers who have become unemployed through no fault of their own.  Employers may be required to pay this tax to both federal (IRS) and state government agency (Dept. of Labor).  A Colorado UI account is established on form CR-100. 
Keywords: IRS, FUI, SUI, FUTA, SUTA, taxes

 

Use Tax
Notes: A business that purchases tangible personal property in another state for use in Colorado must pay a use tax in Colorado (same rate as sales tax rate).   
Keywords: sales tax

 

 

 

GOVERNMENT CONTRACTING/PROCUREMENT

 

U.S. Government Contracting & Procurement
Website: http://www.ccr.gov/

www.fbo.gov/  (Federal Business Opportunities)
Notes: Central Contractor Registration (CCR)/PRO-Net is the primary vendor database for the U.S. Federal Government.  Both current and potential federal government vendors are required to register in CCR in order to be awarded contracts by the federal government.  CAGE (Contractor & Government Entity) is assigned when register in CCR.  Vendors must update or renew their registration at least once per year to maintain an active status.  Registration does not guarantee business with the federal government.
Keywords: purchasing, procure, CCR, Pro-Net, CAGE, contracts

 

Colorado Government Contracting & Procurement

Address:          

 

State Purchasing Office

633 17th Street, Suite 1520

Denver CO 80202-3609

Phone:   

(303) 866-6100
FAX:                (303) 894-7445
Website:

www.gssa.state.co.us.

www.colorado.gov/colorado-doing-business/do-business-with-state.html
Notes: Vendors who would like to sell goods and services to the state should register for the Bid Information and Distribution System (BIDS) - $30 fee (2006). Vendors can review all competitive purchases conducted by state agencies, institutions, and colleges on the state's Internet web site. Registered BIDS vendors can review and download the Invitations for Bids (IFB), Requests for Proposals (RFP), and Documented Quotes (DQ) directly from the State Purchasing Office’s website.
Keywords: BIDS, contracts, purchasing, procure

 

City of Denver Government Contracting & Procurement

Address:          

 

Denver Purchasing Division

201 West Colfax Avenue, Dept 304

Denver,  CO  80202

Phone:   

(720) 913-8100
FAX:                (720) 913-8101  
Website:

www.denvergov.org/purchasing
Notes: Office hours are 8:00 a.m. to 5:00 p.m., Monday through Friday
Keywords: contracts, purchasing, procure

 

SBA Procurement Seminars
Website:

http://www.sba.gov/
Notes: Topics included are 8 (A) BD Program, SDB Program, HUBZone Program.   Seminars are free of charge.  Contact Karen Murray Young, (303) 844-2607, ext. 257. 
Keywords:  training, contracts, purchasing
 

                      

 

 

BUSINESS START-UP

 

STEPS FOR BUSINESS START-UP
1. Research the structure, location, and potential for the business
2. Determine the legal structure for the business
3. Obtain EIN and research employer responsibilities, if business is to have employees
4. Determine a business name and register trade name/business with the Secretary of State
5. Select site for business and research zoning
6. Determine permit and license requirements
7. Obtain tax accounts and evaluate insurance needs
8. Write a business plan
9. Obtain financing

 

 

BUSINESS PLAN
Business Plan template link:  http://office.microsoft.com/en-us/templates/TC010175201033.aspx?pid=CT101172331033

SBA Business Plan samples and explanations:  http://www.sba.gov/smallbusinessplanner/plan/writeabusinessplan/index.html

 

A business plan (BP) is required for any business seeking financing. However, it is recommended for all businesses. The BP for a start-up requiring financing should have detailed support for any assumptions.  The BP for an acquisition of an existing business that is seeking financing does not need as much detail, but should include the prior 3 years actual financials and projections for the next 2 years.  The BP for a start-up should include:
1. Executive summary with a description of the business, goals, timeline, target markets, differentiation, strategy for success, management team skills and experience, 2-3 year key financial projections, summary of the total project cost and sources for any funding requirements.   Take one point from each section of the business plan.&