Small Business Start Up Guide Small Business Administration-Books Pdf

Small Business Start up Guide Small Business Administration
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SMALL BUSINESS,START UP GUIDE,For Northern California. Helping small businesses start grow and succeed,Table of Contents. Choosing the Right Business for You 5,Your Personal Objectives. Your Talents,Your Personality Traits,Quiz Do You Have What It Takes. Considerations in Choosing Your Business,Is Your Business Idea Feasible.
On the Upside,Local State and Federal Business Requirements 10. Business Licenses,Fictitious Business Name,Federal Self Employment Tax. Business Formation,Local Fees,State Taxes,Seller s Permit. Employer Identification Number,Worker s Compensation Insurance. State Withholding Taxes,Federal Withholding Taxes,Patents Trademarks Servicemarks Copyrights.
Licensing and Regulatory Contacts Local Statewide 15. Preparing Your Business Plan 17,Blueprint for Your Business. The Format,Online Resources,Business Plan Outline,2 SBA gov CA SF. Financing Your Business 21,Eligibility Criteria for SBA Guaranteed Loans. Documents Needed to Apply for a Loan,SBA Lending FAQs. SBA San Francisco District 7 a Guaranteed Lenders,SBA Community Advantage Loan Program.
SBA Microloan Program,Alternate Sources of Funding. 504 Certified Development Company Loan Program, SBA Affiliated Management and Technical Assistance Programs 35. SBA Centers,Small Business Development Centers SBDCs. Women s Business Centers, Considerations in Operating a Home Based Business 39. Healthcare 41,Doing Business with the Federal Government 42.
SBA s Online Tools Training Social Media 43,Business Organizations 44. Business and Trade Organizations,Networking Groups. Chambers of Commerce,Small Business Resources 45,SBA gov CA SF 3. 4 SBA gov CA SF,Choosing the Right Business for You. There is no way to eliminate all the risks associated with starting a small business. however you can improve your chances of success with research good planning. and preparation Start by evaluating your strengths and weaknesses as an owner. and manager of a small business, Your Personal What are your personal needs Your financial objectives.
Objectives How will owning a business affect your family Your standard of living. What are you interested in getting out of your business money power. flexibility, Your Talents Do you have any special skills or expertise in a particular industry. How will your talents help you in the development and operation of your. own business, How good are you at making decisions planning and organizing. Do you like to sell Can you sell You will be required to sell and. advertise yourself your company and your products or services. Your Personality Are you a self starter Is your drive strong enough to maintain your. Traits motivation It will be up to you not someone else telling you to. develop projects organize your time and follow through. How well do you get along with different personalities Business owners. need to develop working relationships with a variety of people. customers employees bankers lawyers accountants vendors etc. Are you willing to risk everything you own Will you be able to live with. the fear of loss Will your family,SBA gov CA SF 5,QUIZ Do You Have What It Takes. Take this simple quiz For each question place a check mark by the answer that best identifies. your personality, 1 Are you a self starter 6 How good a worker are you. 1 I do things on my own No one has to tell 1 I can keep going as long as I need to I. me to get going don t mind working hard for something I. 2 If someone gets me started I keep going all want. right 2 I ll work hard for a while but when I ve, 3 Easy does it I don t put myself out until I had enough that s it.
have to 3 I can t see that hard work gets you,2 How do you relate to people. 7 Can you make decisions,1 I like people and can get along with just. about anyone 1 I can make up my mind in a hurry if I. 2 I have plenty of friends and don t need have to It usually turns out okay too. anyone else 2 I can if I have plenty of time I don t like. 3 Most people irritate me to be the one to decide things. 3 Can you lead others 8 Can people trust what you say. 1 I can get most people to go along when I 1 You bet they can I don t say things I. start something don t mean, 2 I can give the orders if someone tells me 2 Sometimes I just say what is easiest. what we should do 3 Why bother if other people don t know. 3 I let someone else get things moving then I the difference. go along if I feel like it,9 Can you stick with it. 4 Can you take responsibility,1 If I make up my mind to do something I.
1 I like to take charge of things and see them don t let anything stop me. through 2 I usually finish what I start if it goes. 2 I ll take over if I have to but I d rather let well. someone else be responsible 3 If it doesn t go well immediately I quit. 3 There s always some eager beaver around, wanting to show how smart s he is I say let 10 How good is your health. 1 I never run down, 5 How good an organizer are you 2 I have enough energy for most things I. want to do, 1 I like to have a plan before I start I m 3 I run out of energy sooner than most of. usually the one to get things lined up my friends,2 I do all right unless things get too. confusing then I quit,3 I just take things as they come.
6 SBA gov CA SF,Quiz Results, If most of your checks are beside the first answers you probably have what it takes to run a business. If most of your checks are besides the second answers you may have some difficulty running a. business Better find a partner who is strong on the points on which you are weak. If most of your checks are next to the third answers even a good partner may not be able to shore. Whether you go it alone or with a partner read on to find out what steps to take next. SBA gov CA SF 7, Considerations in Your experience is most important in considering starting a new business or. Choosing Your purchasing an existing one If you start a new business or purchase an existing. one past experience in that particular industry will help you better understand. your customer market the operating cycle of the business the practices unique to. the trade and it may help you avoid costly mistakes. Before you open your own business consider working or volunteering in a. business similar to the one you want to start or buy in as many positions as. possible This way you can try it out before committing You can also explore. the business by attending association and networking meetings within the. industry and by talking to other entrepreneurs Ask questions Entrepreneurs. love to talk about their businesses, Is Your Business Evaluating the feasibility of a business allows you to make a more informed go. Idea Feasible or no go decision It involves a detailed examination of financial personal and. market realities Some of the key elements that you should explore and honestly. appraise include, Do you have enough money to get your idea off the ground without going. into debt If not where are you going to get your money Do you have. enough cash and the right combination of prior experience credit status. and other tangible assets to secure financing for the venture. Are you willing to take the risks of loss associated with assuming debt. Can the business generate enough revenue to pay its expenses as well as. your desired level of owner profit, Are your management skills adequate for overseeing and developing the.
business operations and market and selling your product or service. Is there a demand for your product or service,8 SBA gov CA SF. Can you really compete and stay competitive with other businesses that. have been at it longer and have an established reputation. Have you done research on market demand or have you just assumed that. people need or want your product or service, Are the rewards from the business both monetary and personal worth the. effort and investment you are going to have to make. What is the worst thing that could happen if you go into business for. yourself Are you capable and willing to deal with the worst possibility. should it occur, On the Upside Here are some of the advantages of small business ownership. You get to be your own boss, Hard work and long hours directly benefit you rather than increasing. profits for someone else,Earnings and growth potential are unlimited.
A new venture is exciting, Running a business provides endless variety challenge and opportunities. SBA gov CA SF 9,Local State and Federal Business Requirements. If you are operating a home based or service business you may think that you. don t have to comply with any of the numerous local state and federal. regulations but in all likelihood you do Avoid the temptation to ignore. regulatory details Doing so may avoid some red tape and expense in the short. term but it can be an obstacle as your business grows result in costly fines or. even cause the sudden closure of your business Take the time to research the. applicable regulations and structure your business so that it will be in compliance. from day one, The following is a checklist of the most common requirements for small. businesses but it is by no means all inclusive Regulations vary by industry and. location If you re in the food service business for example you will have to. meet the standards of the health department If you use chemical solvents you. will have to comply with environmental regulations Being out of compliance in. any aspect of your business could leave you legally unprotected lead to expensive. penalties and jeopardize your business, Business Licenses There are many types of business licenses state local and professional. Depending upon what you do and where you plan to operate most businesses will. be required to have a license of some sort Licenses are administered by a variety. of departments so first check with the Business License Office or the Tax. Collector in the city or county where you plan to do business Please see the table. Licensing and Regulatory Contacts on page 15, To find out if your corporation requires a state license contact.
California State Board of Equalization,800 400 7115 boe ca gov. The Governor s Office of Business and Economic Development GO. Biz Permit Assistance Center,877 345 4633 calgold ca gov. 10 SBA gov CA SF, Fictitious Business Businesses that use a name other than the owner s legal given name must register. Name as a fictitious name with the county as required by the Trade Name Registration. Act Fictitious names are sometimes referred to as doing business as names or. DBAs This does not apply to corporations doing business under their corporate. name or to those practicing any profession under a partnership name. Federal Self Everyone must pay Social Security tax If you are self employed your Social. Employment Tax Security contribution is made through the self employment tax You will also. need to determine how best to report earnings and pay your business taxes. Internal Revenue Service,800 829 1040 irs gov, Business Formation You must decide if your business will be structured as a sole proprietorship. partnership corporation or LLC Partnerships corporations and LLC s should. be legally established using an attorney to develop the contracts If you have. decided to incorporate your business contact the Secretary of State. The Secretary of State s Office,1500 11th Street Third Floor.
Sacramento CA 95814,916 657 5448 sos ca gov, Local Fees Many cities and towns require that you register and pay a fee to do business there. Contact the Tax Collector s Office in the city or county where your business will. be located, State Taxes You must file your state business taxes separately if you are a partnership or. corporation If you are a sole proprietorship you file through your personal. income taxes You can obtain the necessary business tax forms and general. information from the Franchise Tax Board which has local offices throughout. California, Seller s Permit You will need a seller s permit or a resale number if you plan to sell products The. permit allows you to purchase inventory from suppliers without paying taxes To. obtain a permit contact the State Board of Equalization. SBA gov CA SF 11, Employer If you have employees you are required to have an employer identification. Identification number EIN You may also get one if you prefer not to use your Social Security. number in business transactions Contact the IRS to obtain an employer. identification number,Internal Revenue Service,800 829 1040 irs gov.
Workers You are required to carry workers compensation insurance if you have. Compensation employees If an employee is injured on the job this insurance will cover his or. her medical bills for which you would otherwise be liable You can obtain a. policy from many private insurance companies or from the State. Compensation Insurance Fund,California Industrial Relations Department. dir ca gov, State Withholding If you have paid more than 100 in wages to an employee in a given calendar. Taxes quarter you are required to withhold taxes for state disability insurance personal. income taxes unemployment insurance and employment training You must. register for an employer account number Contact the. If you start a new business or purchase an existing one past experience in that particular industry will help you better understand your customer market the operating cycle of the business the practices unique to the trade and it may help you avoid costly mistakes Before you open your own business consider working or volunteering in a

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