u.s. small business administration veterans business development “helping veterans succeed”

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U.S. Small Business U.S. Small Business Administration Administration Veterans Business Development Veterans Business Development Helping Veterans Succeed” Helping Veterans Succeed”

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Page 1: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

U.S. Small Business U.S. Small Business AdministrationAdministration

Veterans Business DevelopmentVeterans Business Development

““Helping Veterans Succeed” Helping Veterans Succeed”

Page 2: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Mission StatementMission Statement

To foster enhanced entrepreneurship among To foster enhanced entrepreneurship among eligible veterans by providing increased eligible veterans by providing increased opportunities.opportunities.

To vigorously promote the legitimate interests To vigorously promote the legitimate interests of small business concerns owned and of small business concerns owned and controlled by eligible veterans.controlled by eligible veterans.

To ensure that those concerns receive fair To ensure that those concerns receive fair consideration in purchases made by the Federal consideration in purchases made by the Federal government.government.

Page 3: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Starting and/or Starting and/or Growing a Small Growing a Small BusinessesBusinesses

Page 4: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

What we do for veterans…What we do for veterans…

•Start and/or Grow Small BusinessesStart and/or Grow Small Businesses

•Access CapitalAccess Capital

•Business CounselingBusiness Counseling

•Government ContractsGovernment Contracts

www.sba.gov/vetswww.sba.gov/vets

Page 5: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Starting/Expanding Businesses…

Special considerations are given to veterans under SBA’s Special considerations are given to veterans under SBA’s management and technical assistance programs and guaranty management and technical assistance programs and guaranty loan programs. These special considerations include:loan programs. These special considerations include:

1.1. Liaison personnel in each field office;Liaison personnel in each field office;

2.2. In-depth management counseling and training assistance; In-depth management counseling and training assistance; and and

3.3. Prompt and priority processing of any loan application or Prompt and priority processing of any loan application or financial process.financial process.

(Section 401 of PL 106-50)(Section 401 of PL 106-50)

Page 6: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Starting/Expanding Businesses…

SBA provides a wide range of business SBA provides a wide range of business development information and tools through development information and tools through the Internet. The main Web Pages are:the Internet. The main Web Pages are:

www.sba.govwww.sba.gov

www.sba.gov/trainingwww.sba.gov/training

www.sba.gov/vetswww.sba.gov/vets

www.onlinewbc.gov/militaryspouses.htmlwww.onlinewbc.gov/militaryspouses.html

Page 7: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Starting/Expanding Businesses…Starting/Expanding Businesses…

SBA provides a wide range of business SBA provides a wide range of business development information and tools through the development information and tools through the Internet. The main Web Pages are:Internet. The main Web Pages are:

www.sba.govwww.sba.gov

www.sba.gov/espanolwww.sba.gov/espanol

www.sba.gov/trainingwww.sba.gov/training

www.sba.gov/vetswww.sba.gov/vets

www.onlinewbc.gov/militaryspouses.htmlwww.onlinewbc.gov/militaryspouses.html

Page 8: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Other resources for you…Other resources for you…

Center for Veterans EnterpriseCenter for Veterans Enterprisewww.vetbiz.gov/default2.htmwww.vetbiz.gov/default2.htm

Department of Veterans AffairsDepartment of Veterans Affairswww.va.gov www.va.gov

Center for Women VeteransCenter for Women Veteranswww1.va.gov/womenvetwww1.va.gov/womenvet

Disability Information CenterDisability Information Centerwww.disabilityinfo.gov www.disabilityinfo.gov

Internal Revenue ServiceInternal Revenue Servicewww.irs.gov/businesses/small/index.htmlwww.irs.gov/businesses/small/index.html

Office of Small & Disadvantage Business UtilizationOffice of Small & Disadvantage Business Utilizationwww.va.gov/osdbuwww.va.gov/osdbu

Page 9: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Small Business help for the Small Business help for the Military SpouseMilitary Spouse

WOMEN BUSINESS INSTITUE- provides assistance and/or WOMEN BUSINESS INSTITUE- provides assistance and/or training in finance, management, marketing and the Internet, and training in finance, management, marketing and the Internet, and addresses specialized topics such as home-based businesses and addresses specialized topics such as home-based businesses and welfare-to-work. Provides individual business counseling and tailors welfare-to-work. Provides individual business counseling and tailors its programs to the needs of its constituency.its programs to the needs of its constituency.

www.onlinewbc.gov/militaryspouses.htmlwww.onlinewbc.gov/militaryspouses.html

WOMEN BUSINSS CENTER - provides a full business-training curriculum for every level of business, from start-up to going public. It also offers worldwide networking, chats, bulletin boards, resources and links, mentoring, and even individual counseling.

www.onlinewbc.gov/militaryspouses.htmlwww.onlinewbc.gov/militaryspouses.html

Page 10: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Help with Business Counseling Help with Business Counseling

In-depth business and management In-depth business and management counseling and training assistance for you counseling and training assistance for you or your employees.or your employees.

Through the following programs:Through the following programs:

Small Business Development Centers Small Business Development Centers

Service Corps of Retire ExecutiveService Corps of Retire Executive

Cyber counselingCyber counseling

Online WorkshopsOnline Workshops

Page 11: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

ACCESSING ACCESSING CAPITALCAPITAL

Page 12: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Major SBA Loan Programs

Regular 7(a) Business Loans.Regular 7(a) Business Loans. SBA ExpressSBA Express Community ExpressCommunity Express Patriot ExpressPatriot Express 504504

Page 13: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”
Page 14: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

SBA’s Patriot Express LoanMaximum Loan Amount

$500,000.00

Maximum Guaranty Percentage 75 percent to 85 percent depending on the amount of the loanThe SBA guaranty on a Patriot Express loan may not exceed 85 percent for loans of $150,000 or less Or, may not exceed 75 percent for loans over $150,000

Page 15: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

SBA’s Patriot Express Loan

• Eligibility Criteria

– Must meet standard SBA eligibility

– Must be 51 percent owned/controlled by:

• Veteran (other than dishonorably discharged)

• Service-disabled veteran

• Active Duty Military potential retiree within 24

months of separation and discharging Active Duty

member within 12 months of discharge (TAP eligible)

• Reservist and National Guard (limited to current

members and their spouses)

• Current spouse of above or spouse of service

member or veteran who died of a service-connected

disability

Page 16: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

SBA’s Patriot Express Loan

• Patriot Express Loan Uses:– The Patriot Express Loan may be

used for the following purposes:• Business startup• Business expansion• Equipment purchases• Working capital• Inventory• Business-occupied real-estate

purchases

Page 17: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

SBA’s Patriot Express Loan

• Collateral Requirements– Lenders are not required to take

collateral for loans up to $25,000 – Lenders may use their existing

collateral policy for loans over $25,000 up to $350,000

– Lenders must take available collateral for loans greater than $350,000

Page 18: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

SBA’s Patriot Express Loan• Revolving Lines of Credit

– Revolving loans are allowed up to 7 years with maturity extensions permitted at the outset

– In offering revolving lines of credit and their enhancements, SBA must ensure that borrowers, particularly those accessing SBA guaranteed loans through credit cards, under stand that these funds must be used for business-related purposes

Page 19: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

SBA’s Patriot Express Loan• Interest Rates

– For Patriot Express Loans, the standard 7(a) interest rate restrictions apply:

• A lender may charge up to 2.25 percent over the Prime rate for maturities under seven years

• A lender may charge up to 2.75 percent over the Prime rate for maturities over seven years

• The rates can be 2 percent higher for loans of $25,000 or less

• Or, 1 percent higher for loans between $25,000 or $50,000.

Page 20: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Military Reservist Economic Injury Disaster Loan Military Reservist Economic Injury Disaster Loan

program (MREIDL)program (MREIDL) • Special Assistance to Reservists Ordered to Active Duty During Military Conflict:

Loan terms - Up to 30 years

Loan Amount Limit - $2,000,000

Maximum Interest Rate – 4.000%

Direct Loan – SBA

Filing Period: One year after discharge or release from Active Duty

.

(Section 402 of PL 106-50)

Page 21: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Selling to the Federal Government

Page 22: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

First Thing To Do

Obtain a Data Universal Number System (DUNS) Number

www.dnb.com/us

DUNS Number can be obtained free-of-charge at time of CCR registration (see next slide)

Page 23: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Register Your Business

Central Contractor Registration Database (CCR) Keep Current (Update yearly at

minimum) www.ccr.gov

Online Representations and Certifications Application (ORCA)

https://orca.bpn.gov/

Page 24: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Veteran’s Program

Applies to purchases over $3,000

Self Certified on CCR VA determines Service Disability

No term limits Competitive and sole-source program benefits Subcontracting and Prime Contracting goals FAR 19.14

Service Disabled Veteran Owned Small Business

Page 25: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Know the Rules Federal Acquisition Regulations (FAR)

www.arnet.gov/far

Subpart 8.4 – Federal Supply Schedules

Part 13 – Simplified Acquisitions

Part 14 – Sealed Bidding

Part 15 – Contracting by Negotiation

Part 19 – Small Business Programs

Page 26: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Finding Prime Contract Opportunities

Research Past Purchases‒ GSA Federal Procurement Data Center

https://www.FPDS.gov

Identify Current Procurement Opportunities‒ Federal Business Opportunities (FBO)

www.fbo.gov

Page 27: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Finding Subcontracting Opportunities

Subcontracting Opportunities Directory of Large Prime Contractors

www.sba.gov/gc/sbsd.html

SUB-Nethttp://web.sba.gov/subnet

Page 28: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Joint Ventures & Teams

Investigate Joint Venture/Teaming Arrangements

‒ Excluded from affiliation – 13 CFR 121.103(f)(3)

‒ “bundled” requirement

‒ other than a “bundled” requirement

Page 29: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Market Your Firm

Present your capabilities directly to the federal activities and large prime contractors that buy your products and services

Attend procurement conferences and business expos

Attend Business Matchmaking events

Page 30: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

View Solicitations

Request or download a bid package Obtain copies of relevant specifications

& drawings Understand relevant purchasing regulations Federal Acquisition Regulations:

Micro-purchases (under $3,000)

Simplified Acquisitions (under $100,000)

Bids & Proposals (over $100,000)

Contract clauses

Page 31: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Prepare Your Offer

3 Rules for a solicitation:

-Read it…Read it…Read it!!! Request a Procurement History Attend Pre-Bid Meetings

& Walk-Throughs Get clarification of ambiguities Proofread your proposal Submit it on time!

Page 32: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Contract Award Are you Responsive?

Are you Responsible?‒ Pre-Award Survey: Technical capability & production capability‒ Quality Assurance (QA)‒ Financial: accounts receivable, net worth, cash flow‒ Accounting System‒ System for Qualifying Suppliers‒ Packaging, Marking, Shipping

Page 33: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Contingency Plans Have a back up plan if something goes

wrong Give yourself enough time to react Anticipating Final Inspection Make an appointment before shipping date On-Time delivery Establish a good track record

Contract Performance

Page 34: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Know the paperwork process Keep good records Know your options

‒ Progress payments

‒ Prompt Payment Act

EFT (electronic funds transfer) Accept government credit cards

Getting Paid

Page 35: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Seek Additional Assistance Procurement Technical Assistance Center (PTACs) www.dla.mil/db/procurem.htm

Small Business Specialists www.acq.osd.mil/sadbu

Local District Offices and Resource Partners

www.sba.gov

Local Small Business Development Centers

SCORE www.score.org

Women’s Business Development Centers http://www.onlinewbc.gov/

Page 36: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Helpful Web Sites

DOD Small & Disadvantaged Business Utilization Office

www.acq.osd.mil/sadbu/

Procurement and Technical Assistance Centers

www.sellingtothegovernment.net

Small Business Development Centers www.sba.gov/sdbc/

Page 37: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

More Helpful Web Sites

SBA’s Home Page: www.sba.gov

Government Contracting: www.sba.gov/GC

Site includes links to all major government contracting programs discussed here plus much, much more.

Page 38: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Things To Remember

TARGET YOUR CUSTOMER: Who buys your product or service? How do they buy?

When do they buy?

KNOW THE RULES:

Federal Acquisition Regulations Contract requirements and specifications How to obtain Contract history

PERFORM AS PROMISED: On-time delivery,

Good Quality, at a Fair Price

Page 39: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Service-Disabled Veteran-Owned Small Business Concern

Program

U.S. Small Business Administration

Office of Federal Contract Assistance for Veteran Business Owners

Page 40: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

PROGRAM HISTORY

The VETERANS ENTREPRENEURSHIP and SMALL BUSINESS DEVELOPMENT ACT of 1999 (PL106-50) established an annual Government-wide goal of not less than 3 percent of the total value of all prime contract and subcontract awards for participation by small business concerns owned and controlled by service-disabled veterans.

The VETERANS BENEFITS ACT (VBA) of 2003 (PL108-183) added, in addition to other provisions, a contracting mechanism to enable agencies to reach the 3% prime contracting goal established in1999.

Page 41: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

PROGRAM HISTORY

On May 5, 2004, the SBA issued the Interim Final Rule to implement Section 308 of the VBA of 2003 established a sole source and set-aside procurement program for service-disabled veteran-owned small business concerns (SDVO SBC). Federal Register Vol 69, No. 87, p. 25262

On October 20, 2004, President Bush issued Executive Order 13360 to strengthen opportunities in Federal contracting for Service-Disabled Veteran-Owned Small Business Concerns. Federal Register Vol 69, No. 206, p. 62549

Page 42: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

PROGRAM ELIGIBILITY REQUIREMENTS

Adjudication Size Ownership & Control Highest Position Held

Page 43: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

ELIGIBILITY REQUIREMENTS

The SDV must have a service-connected disability that has been determined by the Dept of Veterans Affairs or DOD

The SDVO SBC must be small under the NAICS code assigned to the procurement

The SDV must unconditionally own 51% of the SDVO SBC

The SDV must control the management and daily operations of the SDVO SBC

The SDV must hold the highest officer position in the SDVO SBC

13 CFR § § 125.8 – 125.10/FAR Part 19.1403(a) - (b)

Page 44: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

TYPES OF CONTRACTS

SET-ASIDE EXEMPTIONS SET-ASIDES SOLE SOURCE SIMPLIFIED ACQUISITIONS

Page 45: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

SET-ASIDE EXEMPTIONS

A contracting activity may not make a requirement available for a SDVO contract if:

1. The requirement would be fulfilled through award to Federal Prison Industries, Inc. or to Javits-Wagner-O’Day Act participating non-profit agencies for the blind and severely disabled.

2. The requirement is currently being performed by an 8(a) participant or SBA has accepted that requirement for performance under the authority of the Section 8(a) Program.

13 CFR § 125.18/FAR Part 19.1404

Page 46: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

SET-ASIDE REQUIREMENTS

A Contracting Officer (CO) may set-aside requirements if:

1. The requirement is not exempted from SDVO contracting.

2. The contracting officer considers setting aside the requirement for 8(a), HUBZone, or SDVO SBC participation before considering setting aside the requirement as a small business set-aside.

4. There is a reasonable expectation that at least two responsible SDVO SBCs will submit offers; and

5. The award can be made at a fair market price.

13 CFR § 125.19/FAR Part 19.1405(a) – (b)

Page 47: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

SOLE SOURCE CONTRACTS

A CO may award a sole source contract if:

1. The requirement is not exempted from SDVO contracting and cannot be set-aside.

2. The CO does not have a reasonable expectation that at least two responsible SDVO SBCs will submit offers.

3. The anticipated award price of the contract, including options, will not exceed:

– $5.0M for manufacturing requirements– $3.0M for all other requirements

4. Award can be made at a fair market price.13 CFR § 125.20/FAR Part 19.1406

Page 48: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

SIMPLIFIED ACQUISITION THRESHOLD

If the requirement is at or below the simplified acquisition

threshold, the CO may set-aside the requirement for

consideration among SDVO SBCs using simplified

acquisition procedures or may award a sole source

contract to an SDVO SBC.

13 CFR § 125.21

Page 49: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

ADDITIONAL CONTRACT REQUIREMENTS

LIMITATIONS ON SUBCONTRACTING JOINT VENTURES NON-MANUFACTURERS

Page 50: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

ADDITIONAL CONTRACT REQUIREMENTS

LIMITATIONS ON SUBCONTRACTING– SDVO SBC Prime or Sub-contractor can subcontract for:

SERVICES CONTRACTS (EXCEPT CONSTRUCTION):– 50% of the contract performance incurred for SDVO SBC personnel

SUPPLY CONTRACTS:– 50% of the cost of manufacturing the supplies

GENERAL CONSTRUCTION:– 15% of the contract performance incurred for SDVO SBC personnel

CONSTRUCTION BY SPECIAL TRADE: – 25% of the contract performance incurred for SDVO SBC personnel

13 CFR §125.6(b)

Page 51: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

ADDITIONAL CONTRACT REQUIREMENTS

Joint Ventures

1 or more other small business concern (SBC)

Each SBC is small under the contract’s North American Industry Classification System code

SDVO SBC must manage the venture

JV must perform applicable percentage of work

13 CFR § 125.15(b)/FAR Part 19.1403(c)

Page 52: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

ADDITIONAL CONTRACT REQUIREMENTS

Non-manufacturers

– The SDVO SBC does not exceed 500 employees– Is primarily engaged in the wholesale or retail trade– Sells to the general public and– Supplies the end item of a small business (unless

requirement is waived by the SBA Administrator)

13 CFR § 125.15(c)/FAR Part 19.1403(d)

Page 53: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

PROTEST PROCEDURES

WHAT? WHO? WHEN? WHERE? HOW?

Page 54: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

PROTEST PROCEDURES

WHAT IS A PROTEST?

A challenge to either:

– SIZE STATUS, in accordance with 13 CFR § 121

– ELIGIBILITY STATUS, in accordance with 13 CFR § 125 Proof of Adjudication Ownership Control

13 CFR §125.26

Page 55: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

PROTEST PROCEDURES

WHO MAY SUBMIT A PROTEST?Sole Source Procurements:

Small Business AdministrationContracting Officer

Competitive Set-Asides:Any interested party

13 CFR § 125.24

Page 56: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

PROTEST PROCEDURES

WHEN ARE PROTESTS SUBMITTED?– Negotiated Procurements:

By Close of Business on the 5th Business Day after Notification of the Apparent Successful Offeror, no later than 5 p.m. est

Sealed Bid Acquisitions:By Close of Business on the 5th Business Day after Bid

Opening, no later than 5 p.m. est

• Any Protest Submitted After the Time Limits is untimely, unless submitted by the CO or SBA.

• Any Protest Submitted Prior to Bid Opening or Notification is Premature.

13 CFR § 125.25 (d)

Page 57: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

PROTEST PROCEDURES

WHERE ARE PROTESTS SUBMITTED?

– CO or SBA submits protest to SBA Associate Administrator for Government Contracting

– Any Concern that submits an offer submits protest to the Contracting Officer

13 CFR § 125.25(d)

Page 58: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

PROTEST PROCEDURES

HOW ARE PROTEST SUBMITTED?– FORMAT:

In writing Be specific Include information to determine timeliness and standing State contract type, e.g., set-aside or sole source Whether the protested concern was the apparent successful offeror Date protested concern submitted its offer State whether sealed bid or negotiated procurement Due date of offers Date protest was submitted to the CO Notice of intent to award date Date of contract award, if applicable Any additional information SBA may need to assist in making determination

13 CFR §§125.25(b) and (e)

Page 59: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

PROTEST PROCEDURES

HOW ARE PROTEST SUBMITTED?– FILING:

BY FAX:– (202) 205-6390

EXPRESS DELIVERY SERVICE or U.S. MAIL (POSTMARKED WITHIN THE APPLICABLE TIME PERIOD)

– The Associate Administrator for Government ContractingU.S. Small Business Administration409 Third Street, SWWashington DC 20416

Attn: Service-Disabled Veteran Status Protest

13 CFR § 125.25(e)

Page 60: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

ADDITIONAL TRAINING

The Defense Acquisition University (DAU) has developed a similar course, CLC 009, that is available on-line to the general public at the DAU Virtual Campus (http://www.dau.mil/).

It is worth one continuous learning point for contracting personnel.

Page 61: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

U.S. Small Business Administration VETERANS BUSINESS DEVELOPMENT OFFICERKentucky District Office

Tommie L. Causey 600 Dr. Martin Luther King Jr. Place Suite 188 Louisville KY 40202 Phone: (502) 582-5588 Fax: (202) 481-5893 E-mail: [email protected]

Page 62: U.S. Small Business Administration Veterans Business Development “Helping Veterans Succeed”

Thank You