Trinity Valley Community College

Small Business
Development Center 

Michael Ellsberry
SBDC Director

Jennifer Johnston
Business Advisor

Judy Fox
Administrative Assistant

P: 903-675-7403
F: 903-675-4830

Athens Partnership Building
201 W. Corsicana Suite 6
Athens, TX 75751

Business Start Up Guide
Posted: 5/13/2015 4:55:22 PM

Online Business Startup Guide

This small business guide is intended to serve as a roadmap for starting a business. It is both comprehensive and easy to use. It also includes numerous electronic links for additional information. Use this powerful interactive tool, with many supporting resources to help you start a successful business.

Supporting Resources 

Have a Question? 

Table Of Contents


On The Upside 

Getting Started

How to Start a Small Business 
Getting Started 
Types of Business Organizations 
Sole Proprietorship 
Business Plan Outline 
Financial Management 
Concluding Statement 
To Lease or Not To Lease: Things to Know 
Get The Answers 
Learn The Lingo 

Finding The Money You Need

Financing Your Business Start-up 
Finding the Money You Need 
Borrowing Money 
SBA Loan Maturities 
Types of Business Loans 
How to Write a Loan Proposal 
General Information 
Business Description 
Management Profile 
Market Information 
Financial Information 
How Your Loan Request Will Be Reviewed 
SBA Financial Programs 


Government Regulations and Your Business 
Business Licenses 
Certificate of Occupancy 
Business Organization 
Fictitious Business Name 
Protecting Your Idea 
State Registration of a Trademark 
Federal Registration of Trademark and Patent 
Tax Information 
Federal Self­Employment Tax 
Business Insurance 
Sales Tax Number 
Other Considerations 
Unemployment Insurance Tax 
Immigration Act 
Health and Safety 
Workers' Compensation 
Minimum Wage 
Bar Coding 
SBA Assistance

Financial Programs and Other Assistance 
The 7(a) Loan Guaranty Program 
How it Works 
Use of Proceeds 
Terms, Interest Rates and Fees 
Maximum Size Standards 
What You Need to Take to the Lender 
What the SBA Looks for 
Special Loan Guaranty Programs 7(a) Program 
The Contract Loan Program 
The Seasonal Line of Credit Program 
The Builders Line Program 
The Small Asset­Based Line 
The Standard Asset­Based Line 
The Export Working Capital Loan 
U.S. Export Assistance Center (USEAC) 
International Trade Loan 
Defense Loan and Technical Assistance (DELTA) 
SBA 504 Loan Program 
The Certified and Preferred Lenders Program 
The 7(M) Microloan Program 
The Small Business Investment Company Program (SBIC) 
Community Adjustment & Investment Program 
Minority Enterprise Development Program 
Section 8(a) Program 
SBA Pre-Qualification (Pre-Qual) Pilot Loan Program 
Government Contracting Assistance 
Prime Contracts Program 
Subcontracting Assistance Program 
Certificate of Competency Program 
The Size Determination Program 
The Surety Bond Guarantee Program 
Submitting an Application 
Application Review 
The Small Business Innovation Research Program (SBIR) 
Disaster Assistance 
Physical Disaster Business Loans 
Economic Injury Disaster Loans 
Loans for Homes and Personal Property 
Online Women's Business Center 
Building Management Skills With Information 

Local Sources Of Assistance

Small Business Development Centers (SBDCs) 
Women's Business Centers 

The Financial Six C's

Capacity to Pay 

Glossary Of Terms