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2019-04-23 19:18:45

Nathan Bachrach and Amy Wagner
Published 3:21 p.m. ET April 23, 2019 | Updated 3:21 p.m. ET April 23, 2019

This May, Simply Money Advisors is becoming Allworth Financial. As we expand our services to better meet your retirement planning needs, we needed a name that encompasses all that we are.  Don’t worry. We’ll still deliver our same no-nonsense money advice every week in the Simply Money column, presented by Allworth Financial.

Kenneth in Campbell County: I’m thinking about starting my own business and want to make sure I’m still saving for retirement. What are my options?

Answer: Congratulations! Small business owners are the lifeblood of the American economy, so we wish you all the best. We’re also thrilled you’re keeping retirement a priority – sometimes it gets put on the backburner in the early stages of a new business. 

If you’re going to run your business by yourself with no employees, there’s something that’s (fittingly) called a Solo 401(k). This offers tax-deferred growth: you get an up-front tax break now, then pay ordinary income taxes when you withdraw the money in retirement. There are no income or age restrictions for contributions, and you can save up to $56,000 in 2019 ($62,000 if you’re age 50 or older). There’s also a Solo Roth 401(k). Contributions to this account are made with after-tax money, but earnings come out tax free once you’ve held the account for five years and are at least 59 ½. (Note: If you save in both, the contribution limit is a combined limit.)

On the other hand, if you’ll have employees, you’ll need to look at a SEP (Simplified Employee Pension) IRA or a SIMPLE (Savings Incentive Match Plan for Employees) IRA. 

A SEP IRA offers tax-deferred growth and is funded completely by you, the business owner. In 2019, you can contribute up to 25 percent of an employee’s salary, or up to $56,000 (whichever is less). You can choose when to contribute (doesn’t have to be every year), and you would have to contribute the same percentage for all employees. According to the IRS, a SEP IRA is most popular for small businesses with less than 100 employees. A SEP IRA can also be used by a sole-proprietor in lieu of a Solo 401(k).  

A SIMPLE IRA is also tax-deferred, but in this case, most of the funding comes from employee contributions (no employer contribution required). This can take much of the financial burden off you as the business owner. The 2019 contribution limit is $13,000 ($16,000 if age 50 or older).

Here’s The Simply Money Point: Your final decision hinges a lot on whether or not you’ll have employees. A fiduciary financial advisor can go over your options and help you make the best decision for your particular situation.


Simply Money Advisors discuss why it is important to talk openly about money with friends.
Simply Money, Cincinnati Enquirer

Trish and Keith from Batavia: What’s the difference between a money market account and savings account? And which is better for an emergency fund?

Answer: These two types of accounts have a lot in common, but there are a few subtle differences.

A traditional savings account is pretty straightforward. You deposit money and it earns interest. However, a big downside right now is ultra-low interest rates – the national average for a savings account is currently about 0.10 percent APY (annual percentage yield). That means $10,000 would earn just $10 over the course of a year (assuming daily compounding).

A money market account is slightly different. You’ll likely get a better interest rate (the current national average is about 0.21 percent, but local banks and credit unions are paying above one percent in some cases), but there’s a trade-off: you’ll probably need to keep a higher minimum balance in the account. A money market account also provides the option of check writing and/or a debit card, but federal law limits the number of withdrawals to six per month.

Keep in mind that online banks generally offer much higher interest rates than the previously mentioned national averages for both savings accounts and money market accounts, so always do your research at a site like

The Simply Money Point is that both types of accounts are FDIC insured, so choosing between the two comes down to how much you’re putting in the account, how often you need to access the money, the ease with which you can access your money, and the interest rate you can get. Either can work as a place to keep emergency fund money.

Responses are for informational purposes only and individuals should consider whether any general recommendation in these responses are suitable for their particular circumstances based on investment objectives, financial situation and needs. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing, including a tax advisor and/or attorney. Nathan Bachrach and his team offer financial planning services through Simply Money Advisors, a SEC Registered Investment Advisor. Call (513) 469-7500 or email

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2019-04-23 19:30:00

Small businesses are the backbone of a thriving economy. For 35 years, the Hampton Roads Chamber has been honored to present the Small Business of the Year Awards to the community’s most exceptional small businesses. However, each day we are a proud witness of the power of small businesses throughout Hampton Roads. Collectively and individually, they are a tremendous positive influence in the region.

Each small business creates a resilient foundation for not only our local economy, but the state and national economies as well. The U.S. Small Business Administration reported Virginia ranked 12th in the nation for small business employment and 11th in the number of new jobs from new establishments.

We host this annual event to celebrate the hard work, vision and passion it takes to run a successful small business. Without the daily grind of these small businesses by the owners and employees, the economic growth and quality of life in the region would be diminished.

A sterling example of this is Electronic Systems Inc. Since it was awarded the Small Business of the Year award in 1995 it has been a major resource to the region providing leading technology solutions. It has grown to five mid-Atlantic office locations, multiple global brand partnerships and has made significant community contributions.

ESI serves as an example of how small businesses, when provided the right environment, have the power to create jobs, contribute to economic growth and inspire the region with innovation and culture.

As reported by the SBA’s Office of Advocacy, small businesses comprise 99.9% of all businesses and 47.5% of all employment in the United States. Over the past two years, small businesses have experienced a 53% increase of gross sales and revenue, a 30% increase in job growth and a 10% average wage increase.

Last year, 184,956 of Virginia’s small businesses were minority owned, 34,000 new jobs were created and 6,131 companies were involved in trade and export.

The Hampton Roads Chamber has worked with its Small Business Development Center since 1990 to advocate for local small businesses and offer resources to help them achieve their goals. The center provides a variety of services including business counselling, research and analysis.

By supporting and applauding small business achievements, the chamber recognizes this region’s economic development is fueled by small business innovation and advancement. This year, the winners consist of remarkable restaurants, retailers and service providers throughout Hampton Roads.

A few of the winners are considering expansion plans due to the extraordinary business growth they have experienced in the community. We also recognize local entrepreneurs, leaders and startups by presenting the Entrepreneur of the Year Award, the Leadership Award and announcing the Top to Watch Businesses.

The chamber will continue to support small businesses, entrepreneurs and all individuals who contribute to the community and bring new vibrancy and life to the region. All the local winners will be recognized and this year’s regional winner will be announced at the Small Business of the Year award ceremony Thursday, May 2, at the Chesapeake Conference Center.

Bryan K. Stephens is the president and CEO of the Hampton Roads Chamber.

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2019-04-23 16:18:45

Several Coahoma County businessmen learned of a new avenue Monday that they hope will lead them to grab a share of the millions of dollars being …

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2019-04-23 16:30:00

LendingClub, Opportunity Fund and Funding Circle announced on Tuesday (April 23) a collaboration aimed at providing small businesses with more affordable credit.

In a press release, the online lending marketplace LendingClub said that starting in April, it will connect applicants looking for a small business loan to the Opportunity Fund (a nonprofit small business lender) and Funding Circle (a small business lending platform). Opportunity Fund will use LendingClub’s technology to provide online applications for prequalified offers to underserved small business owners, while Funding Circle will use its credit assessment process to fund fast and affordable loans. The aim is to expand efficient access to affordable credit for more small business owners.

“With partners like Opportunity Fund and Funding Circle, we’re creating an ecosystem where LendingClub’s members can take advantage of additional services from trusted providers that can help them generate more savings,” said Scott Sanborn, CEO of LendingClub, in the press release. “This enables us to both deliver greater value to our applicants and capture a new revenue stream for LendingClub, while further simplifying our business and setting the stage for more partnerships and innovations for Club Members.”

Luz Urrutia, CEO of Opportunity Fund, said the partnership with LendingClub is an important part of its plan to grow lending from 13 to 45 states and to lend $1.2 billion by 2023. The loans are intended for women, people of color, immigrants and other underserved entrepreneurs.

“By combining LendingClub’s leading credit technology with Opportunity Fund’s mission-based, high-touch lending model, we hope to dramatically expand access to affordable and responsible capital to underserved small business owners across the country,” Urrutia said in the press release.

LendingClub has been in the process of opening its platform to include integrated offers from its partners. According to the press release, last year the company received more than 14 million applications, but facilitated loans to only a small fraction of them. The integration with Opportunity Fund increases accessibility and fairness for harder-to-underwrite small businesses. The relationship with Funding Circle expands access to low-cost credit for more businesses.


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Our data and analytics team has developed a number of creative methodologies and frameworks that measure and benchmark the innovation that’s reshaping the payments and commerce ecosystem. Check out our April 2019 Unattended Retail Report. 

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2019-04-23 17:03:45

LITTLE ROCK (Talk Business & Politics) — Small business owners from around the state convened in Rogers on Monday (April 22) to meet with U.S. …

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2019-04-23 18:22:30

Image credit: Jer123/Shutterstock

Image credit: Jer123/Shutterstock / Credit: Jer123/Shutterstock

To open the U.S. Small Business Association’s National Small Business Week, set for May 5 to May 11, the federal organization is teaming up with Visa to host the annual Small Business Week Hackathon in Washington, D.C.

From May 3 to May 5, app developers, designers and business owners will work together at the Inclusive Innovation Incubator to build solutions meant to help small businesses deal with major natural disasters like wildfires, earthquakes, hurricanes and snowstorms.

When disaster strikes, small businesses are hit particularly hard, as federal assistance and insurance claims can take a long time to come through.

In recent years, natural disasters have become a more frequent occurrence. Last year, more than a dozen major weather and climate disasters caused more than $1 billion in damages, according to the National Oceanic and Atmospheric Administration. Two major incidents have already broken that threshold as of April 9, 2019, the federal administration reports.

By the end of the three-day event, officials hope developers will come up with concepts that will help small business owners get back on their feet and stay in business following natural disasters.

For this challenge, the SBA tasked participants with focusing on solutions for the numerous hurdles that small businesses face in the immediate and long-term aftermath of a natural disaster. According to event officials, teams will be asked to consider how to help local businesses “restore their revenue streams, finance short- and long-term recovery, establish a robust supply chain, deal with power disruptions, and keep their employees on the payroll.” Points will be awarded for creativity and originality. Teams will work around the clock, from 6 p.m. on May 3 until 9:45 a.m. on May 5, to devise their apps.

Tackling the problem of climate change, natural disasters and their impact on a local economy may sound like a lot to take on in just three days, but participants will have some powerful tools at their disposal. Over the course of the event, each team will have access to various application programming interfaces (API) from the federal government, as well as the Visa Developer Platform.

With the ability to pull data from the SBA’s open data sources and Visa’s financial tech, officials hope one team will be able to turn their laptops and digital know-how into potential real-world solutions.

At the end of the weekend, a group of judges will select the top three apps developed. The judges include SBA Chief Information Officer Maria Roat, Visa Vice President for Global Small Business Nate Smith, Market Editor Michelai Graham, and Janice Jucker, president of Three Brothers Bakery, representing a Houston small business that recovered in the aftermath of Hurricane Harvey in 2017.

SBA Acting Administrator Chris Pilkerton and David Simon, Visa senior vice president for global small business, will hand out the awards, with first place taking home $25,000, second place receiving $15,000 and third place getting $10,000.

Along with the grand prizes, a $5,000 award will go to the Visa API Challenge Winner, and another $5,000 will go to the Authorize.Net API Challenge Winner.

For more than five decades, National Small Business Week has been recognized with a presidential proclamation touting the societal and economic contributions of American small business owners and entrepreneurs. According to the SBA, “more than half of Americans either own or work for a small business, and they create about two out of every three new jobs in the U.S. each year.”

Over the course of the week, various seminars and workshops will be held both in Washington, D.C., and online in an effort to further educate small business owners on topics like social media best practices and digital commerce.

Sunday, May 5 and Monday, May 6 will also feature awards ceremonies to celebrate some of the country’s most successful and impactful entrepreneurs.

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2019-04-23 13:18:45

Just over five years ago LendingClub
announced the launch
of their small business lending operation. It
was their first major vertical outside of personal loans and it generated
considerable excitement in the industry. Here was the leader in online personal
loans going into another underserved vertical and one without a dominant online
market leader.

Today, the company announced that effective immediately it will stop originating small business loans themselves and move to a co-branded experience with both Funding Circle and Opportunity Fund. LendingClub is creating a new ecosystem that will allow more small businesses to be funded.

On Friday of last week, I spoke with Steve Allocca, the President of LendingClub, Bernardo Martinez, the U.S. Managing Director of Funding Circle and Luz Urrutia, the CEO of Opportunity Fund. I first asked Steve why they are making this move. He said, “This move is part of a proactive shift in the evolution of the business model at LendingClub. We want to move towards offering a multi-sided platform to our members with several offerings, some of which we fulfill ourselves and others will be fulfilled by third parties.”

When it comes to the types of small businesses it serves Funding Circle has a similar target market to LendingClub. Although Bernardo pointed out that Funding Circle offers larger loans than LendingClub and a broader range of loan terms. When I asked him for his thoughts on this change by LendingClub Bernardo said, “This move will be critical for Funding Circle’s growth going forward. We have been working with LendingClub on the policy front for many years and we are very much aligned on our values and support of small businesses.”

The Opportunity Fund is the leading non-profit small
business lender working with underserved borrowers, often women or minority
owned businesses. They have had a relationship with LendingClub since 2016
where LendingClub has sent companies that did not fit their underwriting credit
box to Opportunity Fund for a second chance. This pilot program will be
expanded dramatically under this new relationship. Luz Urrutia said, “We have
been incredibly pleased with the repayment rates we have received on the
LendingClub referrals during our pilot program. Rolling out this program will
help us achieve our goal of growing lending to 45 states and $1.2 billion by
2023.” Luz went on to say that she expects LendingClub referrals to eventually
yield one-third of their loan volume.

So, this change does not mean LendingClub is getting out of small business lending. In fact, Steve Allocca said they will continue to invest in marketing activities around small business loans and will maintain their web page at But these loans will no longer be available to their investor partners as all borrowers will be funded by either Funding Circle or Opportunity Fund.

When I asked about other products that LendingClub might
bring to this new marketplace approach Steve was non-committal. Although he did
say they will be pursuing both lending and non-lending opportunities for their
members going forward. But no other products are close to an announcement yet.

My Take

Two years ago, in his keynote
at LendIt Fintech USA 2017
LendingClub CEO Scott Sanborn first
suggested the idea of partnering with other providers and offering their
products on the LendingClub platform. He talked about unleashing the platform
potential like Amazon did in opening up their marketplace to third parties.
This could be the first step in that direction.

Having said that, I don’t think LendingClub would be making this move  if they were really happy with the way their small business loans have been performing. If this was a growing and profitable niche providing strong returns to investors then I don’t see them changing the model like this.

Small business loans seem to have become something of a forgotten vertical at LendingClub. I went back and searched the transcripts of the last four earnings calls and there was not one mention of the term “small business”. Also, the “other” category of loans that LendingClub shares in its quarterly earnings presentations, that loan volume number (which includes small business and auto) has been stagnant at around $200 million a quarter for the last several quarters. So, while we have no direct insight into how the small business loan segment is going I think it is safe to say it is not performing as well as the company had hoped.

With that in mind it is not a surprise that LendingClub has decided to move to a co-branded small business lending operation. And Funding Circle and Opportunity Fund are the logical partners for this. There is a long history with Funding Circle and they were co-founders (along with Prosper) of the Marketplace Lending Association back in 2016. The partnership with Opportunity Fund also fits in nicely with LendingClub’s mission on financial health.

What will be most interesting will be LendingClub’s next move. Here is what Steve Allocca said on that, “As LendingClub continues to scale, it will add high quality partners that align with its mission to meaningfully contribute to its customers’ financial health, by providing them with additional ways to save, while simultaneously providing opportunities to grow its business.” This leaves the next move wide open. But I wouldn’t be surprised to see a move from LendingClub that is something completely new, potentially outside of lending. Stay tuned.

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2019-04-23 14:12:10

Last month, Congress reintroduced the Small Business Reorganization Act (“SBRA”), under which a new subchapter V would be added to chapter 11 of the United States Bankruptcy Code.  This new subchapter would provide small businesses with aggregate liabilities that do not exceed $2,566,050 with an opportunity to resolve outstanding liabilities through a streamlined and cost‑effective chapter 11 bankruptcy proceeding.  The SBRA also offers small business owners the opportunity to preserve their ownership interest in the company, unlike state and federal receiverships or assignments for the benefit of creditors which typically result in the company’s liquidation.  Under the SBRA, with proper planning and execution, a small business can successfully emerge from bankruptcy within several months with a court-approved plan of reorganization.  In short, the immense benefits offered to businesses that file chapter 11 bankruptcies will soon no longer be reserved for only large, well-known companies.

New Chapter 11 Opportunity for Small Businesses

Established companies that find themselves financially or operationally distressed may decide to file a voluntary petition in a United States bankruptcy court to initiate a chapter 11 proceeding.  During the bankruptcy case, the company may institute a number of strategies to, among other things, right-size its balance sheet, reduce its outstanding liabilities, renegotiate its funded debt, improve certain lease and contract terms, and auction off all or a portion of its assets, all while its creditors are barred from initiating or continuing any actions against the company to try to collect their debts.  Many chapter 11 bankruptcy cases culminate with the company confirming a plan of reorganization, which allows the company to exit bankruptcy on stronger footing.  To pay for such a substantial undertaking, at the beginning of the case the company will normally obtain debtor-in-possession financing that includes sufficient funds to pay the company’s bankruptcy professionals.

This is the picture through rose-colored glasses.  For the majority of smaller companies, the burdensome and expensive chapter 11 process can quickly shatter the illusion of reaping the same chapter 11 benefits.  However, on April 9, 2019, six members of the Senate Judiciary Committee reintroduced the SBRA, which was initially introduced on November 29, 2018, and sponsored by Representative Doug Collins and Senate Judiciary Committee Chairman Chuck Grassley.  The SBRA is designed to “take into account the unique needs of small businesses and streamline[] existing reorganization processes.”[1]  If the SBRA is enacted, a small business would have the opportunity to restructure and exit chapter 11 bankruptcy at significantly reduced costs.

Standing Trustee

To ensure that the small business’s reorganization stays on track, the SBRA requires that a “standing trustee” be appointed during the chapter 11 case and remain throughout the plan of reorganization payment period.  The standing trustee has a number of duties, some of which include:

  • accounting for all of the property received by the company;
  • examining and rejecting any claims against the company;
  • conducting a review of the company’s financial condition and business operations;
  • reporting any fraud or misconduct to the bankruptcy court;
  • appearing at the status conference and materially significant hearings;
  • producing a final report of the case for the bankruptcy court;
  • assisting, as necessary, the facilitation of a plan of reorganization;
  • distributing certain company property in accordance with the plan of reorganization; and
  • confirming the company’s adherence to the court-approved plan of reorganization during the payment period.

The company is responsible for paying any fees owed to the standing trustee during the plan’s payment period.  Once the company has concluded making all of its necessary payments under the plan of reorganization, the standing trustee’s services will be terminated.

Retain Ownership

Within the first week of filing for chapter 11, the small business is required to file certain financial documents and statements with the bankruptcy court, along with periodic financial updates throughout the case.  During the chapter 11 proceeding, the company’s management will have the right to continue operating the business, but may be removed for cause, including fraud, dishonesty, incompetence, or gross mismanagement of the company’s affairs.

Additionally, after the bankruptcy court approves the company’s plan of reorganization, so long as “the plan does not discriminate unfairly, and is fair and equitable,” the company will remain in possession of “all property of the estate.”  “[A]ll property of the estate” includes all of the property owned by the company before it filed for bankruptcy, and any property acquired by the company after filing, including earnings received from services.

There are two ways for a company to comply with the “fair and equitable” requirement in the SBRA.  The first option is for the company’s advisors to identify the company’s “disposable income,” meaning income that is not used to maintain and support the company or pay the company’s necessary expenses.  Thereafter, the plan of reorganization must explain how the disposable income will be distributed to the standing trustee during a three- to five‑year period in order to effectuate payments to creditors under the plan of reorganization.  Alternatively, the second option is for the plan of reorganization to require the company to distribute some or all of its property to the standing trustee for the benefit of its creditors.  The plan must demonstrate that such property “is not less” than the projected disposable income during the company’s next three- to five-years.  Of significance, if circumstances change for the company after the plan of reorganization is confirmed by the bankruptcy court, after notice and a hearing, the plan may be modified by the company.

In summary, the SBRA gives small business operators the ability to maintain their ownership interests.  But in exchange, small businesses must pay certain parties-in-interest for a period of three to five years pursuant to a court-confirmed plan of reorganization.

Condensed Chapter 11 Timeline and Substantially Reduced Expenses

Chapter 11 cases commonly take several months, if not years, to complete.  The SBRA proposes to condense the bankruptcy timeline to reduce the small business’s expenses.  For example, no later than 60 days after filing for bankruptcy, the bankruptcy court will hold a status conference “to further the expeditious and economical resolution of [the] case.”  No later than 14 days before the status conference, the company’s counsel is required to file a report that details the steps the company and its advisors have taken to attain a consensual plan of reorganization.

Moreover, unless the company requests an extension related to circumstances outside the company’s control, the plan of reorganization must be filed with the bankruptcy court no later than 90 days after filing for chapter 11 protection.  This 90-day window provides the company with the opportunity to collaborate with creditors and other parties-in-interest in order to reach a consensual agreement.  The 90-day period also provides the small business’s advisors with an ample amount of time to draft the plan, which is required to include the history of the company, financial analyses and projections, and a breakdown of how the company’s property and/or future earnings and income will be transferred to the standing trustee to execute the plan.  This information is normally included in a disclosure statement; however, the SBRA allows a small business to avoid the substantial costs and expenses attendant with preparing and seeking court-approval of a disclosure statement before plan approval is solicited

Once the company completes all of its mandatory payments according to the plan of reorganization, the bankruptcy court will discharge all of the company’s debts.  Thus, the reward for a company that complies with its payment plan is to be granted a clean slate free from prior financial encumbrances.

Next Steps

When the SBRA was first introduced in late 2018, it was referred to the House Committee on the Judiciary and the Senate Judiciary Committee.  Congress has not yet passed the SBRA.  But as a bipartisan, bicameral bill that was developed with the assistance of, among others, the National Bankruptcy Conference, American Bankruptcy Institute, and National Conference of Bankruptcy Judges, proponents of the SBRA are hopeful that the bill will soon be passed and signed into law.

The Restructuring & Insolvency Practice Group at Squire Patton Boggs will continue to monitor developments and opportunities for small businesses to utilize the protections under the SBRA.

[1] Chuck Grassley, U.S. Senator for Iowa, Chairman of the Senate Judiciary Committee, Grassley, Bipartisan Colleagues Introduce Legislation to Help Small Businesses Restructure Debt (Apr. 9, 2019); S. 1091, 116th Cong. (2019); S. 3689, 115th Cong. (2018); H.R. 7190, 115th Cong. (2018).

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2019-04-23 15:02:21

If you are looking to launch and fund a small business—you have options. Here's how to weigh and measure which route might be right for you.

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2019-04-23 15:33:45

WASHINGTON, April 23, 2019 /PRNewswire/ — The U.S. Small Business Administration‘s 2019 National Small Business Week kicks off on May 5 and 6 with awards ceremonies in Washington, D.C. where national award winners, including the naming of this year’s National Small Business Person of the Year, will be recognized and honored for their achievements.

National Small Business Week is an annual event dedicated to recognizing the nation’s top small businesses, entrepreneurs, small business advocates and champions from across the country. Every day, small businesses create 21st century jobs, drive innovation, support our neighborhoods and cities, and increase America’s global competitiveness.

Events throughout National Small Business Week are made possible thanks in part to the support of leading companies and organizers who serve as cosponsors.

SCORE Association

Gold Cosponsor

Silver Cosponsors
Constant Contact

Bronze Cosponsors
Lockheed Martin
UPS Store
Spectrum Reach
AWeber Communications

Supporting Cosponsors
America’s SBDC
National Association of Secretaries of State
National Cyber Security Alliance
Small Business Majority
Small Business Trends
Grow Biz Media
Small Business Edge
National Association of Guaranteed Lenders

For additional information on National Small Business Week, please visit

About the U.S. Small Business Administration
The U.S. Small Business Administration makes the American dream of business ownership a reality. As the only go-to resource and voice for small businesses backed by the strength of the federal government, the SBA empowers entrepreneurs and small business owners with the resources and support they need to start, grow or expand their businesses, or recover from a declared disaster. It delivers services through an extensive network of SBA field offices and partnerships with public and private organizations. To learn more, visit

Cosponsorship Authorization #SBW2019 SBA’s participation in this Cosponsored Activity is not an endorsement of the views, opinions, products or services of any Cosponsor or other person or entity. All SBA programs and services are extended to the public on a nondiscriminatory basis.

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Release Number:  19-20  

SOURCE U.S. Small Business Administration

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