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Resource Guide for the Small Business Owner

 

 

Counseling and Education

 

  Counseling

 

 

Baltimore County Small Business Resource Center 
Counseling available on a variety of topics such as the development of a business plan and obtaining financing.

 

Center for Closely Held Firms - Sellinger School, Loyola College 
Helps family-owned, privately held businesses through seminars, access to specialists in many fields and opportunities to network.

 

Maryland Small Business Development Center 
Individual counseling (no cost) and workshops are offered on a variety of topics. Locate a local office from this directory. On a regular basis a program entitled "The Nuts and Bolts of Starting Your Own Business" is presented at the Towson Branch of the Baltimore County Public Library.

 

Maryland Technology Enterprise Institute (MTECH) - University of Maryland 
Offers courses to high school abd college students and regional business startups.  The institute also offers mentoring and research grants, and sponsors competitions.

 

Service Corps of Retired Executives (SCORE), Counselors to America's Small Business 
Locally held workshops are offered on topics of concern to small business owners. The locations and schedules of these workshops are available on this site.

 

Small Business Counseling at BCPL branches
Obtain assistance with business plan development, marketing, loan preparation and minority business enterprise at an individual, one-hour appointment with an adviser from the Small Business Resource Center. For dates and times, see dateLines, our calendar of events for the following branches: Catonsville, Essex, Parkville, Randallstown, Rosedale, Towson and White Marsh.

 

 

  Educational Opportunities

      

Community College of Baltimore County-Continuing Education and Economic Development
 Offers continuing education for management skills. Designs / implements employee training programs in health care, information.technology,leadership and management training, and workplace literacy among many options

 

Loyola College--Sellinger School of Business and Management 
Graduate and executive programs; part-time education for full time professionals. Courses geared to working managers who are seeking leadership credentials.

 

Private Career Schools
Listing of state-certified courses for refreshing or learning skills.

 

Towson University - Division of Economic and Community Outreach 
Links to a variety of computer training and Information Technology programs.

 

University of  Maryland - Business and Corporate Connections  One stop shop location for information on upgrading employee's skills, finding research partners, starting and growing the company and much more.

 

 

Incubators

 

Technology Advancement Program (TAP) 
University of Maryland's dynamic environment for technology based start-up companies.

 

Technology Council of Maryland 
Maryland's largest technology trade association which brings its members access to the regional technology industry. Provides valuable resources and benefits to help businesses succeed.

 

TowsonGlobal Business Incubator - Towson University
Offers resources such as office facilities, business counseling, and workshops for "early-stage" companies based in Maryland and foreign operations looking to start Maryland branches.

 

University of Maryland, Baltimore County (UMBC)-Research Park and Technology Center 
A 41-acre research and technology community with access to university expertise, students, technology, programs and facilities.

 

 
 

Disaster Preparedness

 

Small Business Administration on Disaster Preparedness
This Small Business Administration site lists topics that business owners should be considering such as:  insurance, computer system back-ups and location of alternate suppliers.

 

Federal Emergency Management Administration
The Federal Emergency Management Administration provides a great deal of information about protecting a company's physical plant. Obtain flood maps on-line.

 

Institute for Business and Home Safety
The Institute for Business and Home Safety is a nonprofit association whose mission is to reduce deaths, injuries, property damage, economic losses and human suffering caused by natural disasters.
Provides extensive information on preparing for earthquakes, floods, freezing weather, hail, hurricanes, tornados and wildfires. 

 

Flirting With Disaster

Finances

 

Tax Issues

 

 

Tax Guide for Small Business [PDF]  Opens in new window
Be aware of the latest tax changes. A helpful downloadable booklet from the Internal Revenue Service.

 

United States Internal Revenue Services--Tax Information for Small Business/Self Employed
Tax information and helpful tips from the Internal Revenue Service.

 

Maryland Comptroller of the Treasury 
Source of Maryland  business income tax information, tax tables, and forms.

 

 

Overview of the requirements in Maryland
 

    

Obtaining Financial Support

 

Baltimore County Department of Economic Development- Small Business Loan Partnership 
Local support for small business.

 

Maryland Comptroller of the Treasury:  Guide to Business Tax Credits

Brief summaries of each of the tax credits for which businesses may be eligible.

 

Maryland Department of Business and Economic Development-Business Financing Programs
Many programs for financial assistance are available. Each available program is described.

 

Direct Loan Programs for Business
Introduction to the Maryland Economic Development Assistance Authority and Fund (MEDAAF) and other programs.

 

Small Business Loan Guarantees
Local agencies are listed

 

Maryland Industrial Partnerships (MIPS) 
MIPS grants are awarded to Maryland companies on a competitive basis. A firm does not need to be technology-oriented  to qualify, but the research must be in a technical or scientific area.  A program of the University of Maryland.

 

 

QuickBooks 2010 for Dummies

 

 

Tax Savvy for Small Business

Franchising

 

Franchise Classroom - Online Tutorial
Created by the Ourso College of Business, Louisiana State University, this clearly written, well organized site offers online training lessons, tools and business resources to help prospective franchisees learn the ropes.

 

Franchise Direct
This comprehensive website deals with franchise opportunities worldwide. The International listings are extensive.Tips as well as research news and articles about latest developments are also provided.

 

Franchise Gator
Franchise opportunities and business-for-sale listings. Top franchising concepts are showcased.

 

Franchise Zone-Entrepreneur Magazine
A comprehensive website that helps the potential franchisee to assess opportunities, find help and how-to information from experts and keep up to date with trends in the field (a feature that is updated daily).  Also features Opportunity Finder, an interactive tool to explore franchise and business opportunities.

  

Franchise Handbook

 

Government Procurement

 

In Baltimore County

 

Baltimore County Purchasing and Disbursements Division - Events Calendar

The Office of Budget and Finance, Purchasing and Disbursements Division regularly schedules procurement outreach (formerly open house) events to provide an opportunity for vendors to:

 

  • Gain an Understanding of the Purchasing Process

  • Meet the County Buyers

  • Ask Questions

  • Learn about Bid Opportunities with the County

  • Review a List of Current Contracts

  • Network with other vendors

 

 

Baltimore County Office of Budget and Finance - Purchasing Section 
Distributes bidder applications for all County purchases, except for the Public Library and Board of Education. Lists currently open bids that are updated weekly.

 

Minority and Women Business Enterprise Online Directory
Use this online directory to search for a certified minority or women owned business to use on Baltimore County or Federal-Aid projects.Includes firms that are certified by the Maryland Department of Transportation (MDOT).

 

In the State

 

eMaryland Marketplace 
The state's primary procurement resource to create solicitations, accept bids and make awards, and purchase goods through on-line catalogs.

 

Maryland Department of General Services - MBE Program 
Frequently Asked Questions sheets on the regulations for contracting with the department.

 

Maryland Department of Transportation - Contract Opportunities 
Provides instructions and contacts.
 

Maryland Department of Transportation--Minority Business Enterprise Program (MBE) 
The state requires companies to be certified through this department. State contracts are awarded when primary contractors meet MBE goals.

 

 

 

In the Federal Government

 

Federal Acquisition Jumpstation
The U.S. Government's one-stop virtual marketplace. Through this single point-of-entry, commercial vendors and government buyers are invited to post, search, monitor and retrieve opportunities solicited by the entire Federal contracting community.

 

FedeBiz
Learn about doing business with the Federal government using electronic data interchange (EDI).

 

U.S. Small Business Administration (SBA) - Central Contractor Registration
An electronic gateway to procurement information - for and about minority-owned, HUBZone, and 8 (a) businesses. Businesses may register online. Also provides a search engine for contracting officers, a marketing tool for small firms and a "link" to procurement opportunities.

 

Vetbiz.gov
The federal web portal for veterans who want to start or expand their business. Information on prime or subcontract opportunities, getting started, marketing, mentoring sources, financing, etc.

 

Womenbiz.gov
This site targets the 5 specific stages that a woman business owner should go through to explore doing business with the government.

 

 

Home Based Business

 

Home Business Magazine
An on-line "zine" for home businesses. Updated daily.

 

Home Business Research.com
Highly regarded mega-site with links to tutorials, research, forums and newsgroups. There is a blog.

 

Independent Homeworkers Alliance
Posting of hundreds of contract and freelance telecommuting work-at-home jobs every day. Membership required. Works closely with United States Chamber of Commerce.

 

United States Social Security Administration - If You're Self Employed
Topics covered include paying Social Security and Medicare taxes; figuring net earnings and family business arrangements.

 

Making Money From Home

 

Human Resources

 

  • Benefits - Health

           

Maryland Comprehensive Standard Health Benefit Plan 
Based on Maryland law that guarantees small business access to health insurance. Offers the guidelines for purchasing the policy that is most appropriate.

 

Maryland Health Insurance Partnership
Provides an incentive for employers with 2-9 employees to offer health insurance for their employees; assists low and moderate income employees of these small employers in obtaining health insurance; promotes access to health care services and rewards participating individuals for efforts to improve their health and/or manage chronic disease.

 

Virtual Compare
A tool to help employers and employees compare health plans offered in the small group market.It is an information source only and does not allow you to apply for insurance on this site, but does provide you contact information for each insurance company and broker/agents who have chosen to register on this site.
 

 

  • Finding Staff

 

BaltimoreCollegetown.org  
An online internship database, resources for businesses and students, and links to area college career centers. Also includes sample projects, evaluation criteria, and sample job descriptions. Developed in part through a grant from the Baltimore County Department of Economic Development.

 

Baltimore County Department of Aging - Senior Employment Service 
Aids employers in developing job opportunities for retired seniors.
 

Baltimore County Department of Economic Development - Workforce Development Division
Assists new and expanding businesses, provides assistance to recruit and retain a skilled workforce, workplace training and education is available as well.

 

Maryland Workforce Exchange 
Pre-screened, job ready applicants available to be interviewed

 

Md. Department of Labor, Licensing and Regulation (DLLR) - Maryland One-Stop Career Centers: Baltimore County 
Helps employers recruit qualified applicants, test applicants, receive tax credits for hiring certain applicants, receive reimbursement for training certain applicants.

 

  • Regulations

 

Baltimore County Human Relations Commission

 

Md. Department of Labor, Licensing and Regulation (DLLR) - Office of Unemployment Insurance 
This site features a Quick Reference Guide [PDF] which allows employer's to accomplish many UI tasks via the Internet.

 

Maryland General Assembly:  Business Regulation in Maryland [PDF] 
Chapter II of this document covers the regulations for Employment and Occupational Safety and Health.

 

Maryland Occupational Safety and Health Program (MOSH) 
Enforces regulations set forth in the Maryland Occupational Safety and Health Act.

 

Worker's Compensation Commission 
The forms, hearing schedules, compensation rates and current news of regulatory changes for the state.

 

  • Training

 

Maryland Workforce Exchange 
On-the-job training program for entry level positions. Tax credits for employers hiring from the program.

 

Community College of Baltimore County - Office of Continuing Education 
Provides business and management development resources that are state-of-the-art and targeted to contemporary business needs.

 

Maryland Technology Extension Service (MTES) 
MTES provides knowledge-based engineering, technical and management solutions for Maryland manufacturers.

 

Private Career Schools
Listing of state-certified courses for refreshing or learning skills.

  

 

International Trade

 

Baltimore County Department of Economic Development - International Trade Assistance 
Provides services for businesses interested in exploring the potential of international trade. Helpful links to Maryland and federal resources are given.

 

Maryland Department of Business and Economic Development- Office of International Operations 
The place to start if you want to export products and services to consumers abroad. Offers trade information and export marketing assistance. One on one assistance is available.

 

United States Export Assistance Center 
Assists Maryland firms in exporting by providing expert counseling and advice, information on markets abroad, international contacts and advocacy services.  The resources of the Commercial Service are combined with the finance expertise of the Small Business Administration, and can provide information on all Federal programs designed to support international trade

 

United States Export-Import Bank (EX-IM BANK)
The official export credit agency of the United States Government. Provides export financing and advice.

 

21st Century Economy

Legal Requirements / Regulations

 

  • Overview

 

Find Information: Law
presented by Baltimore County Public Library
Find local and state codes, laws, and regulations and facts about our courts. Points way to legal assistance through a lawyer or other legal services. Find law libraries, legal forms and terminology, notary services, and legal research resources.

 

Guide to Legal Aspects of Doing Business in Maryland [PDF]  Opens in new window
A general guide to the laws and regulations pertaining to business operations in Maryland. A joint publication of the Office of the Attorney General and the Department of Business and Economic Development.

 

Maryland Department of Business and Economic Development - Permits and Licensing
When starting a business in Maryland, there are a number of resources available for information on business licensing, registration, occupational licenses and other regulatory and compliance issues.

 

Maryland Comptroller of the Treasury - Information and Services for Businesses 
A major starting place for those wanting to do business in Maryland and its Counties.  Information on tax credits, tax due dates, and filing withholding tax returns as well as sales and use tax returns electronically.

 

Maryland Comptroller of the Treasury - Starting a New Business in Maryland 
Source for information on getting a business license and the Federal requirements for tax and wage reporting.

 

Maryland Department of Assessments and Taxation - Checklist for New Business 
To help ensure your business' success, it is important that you familiarize yourself with the basic requirements for starting a business in Maryland. The checklist provides a convenient starting point.

 

Maryland Department of Labor, Licensing, and Regulation 
Maryland's electronic licensing site. Obtain and renew a variety of occupational and professional licenses on-line.

 

Maryland General Assembly:  Business Regulation in Maryland [PDF]  Opens in new window
Legislative handbook describing the regulation of business in areas such as labor requirements; tax structure; fees; occupational health issues and consumer protection laws.
 

 

  •   Legal Forms

 

Baltimore County Bar Association 
County resource for locating an attorney.

 

Maryland Association of Certified Public Accountants 
On-line source for locating an accountant.

 

Maryland Department of Assessments and Taxation - Corporate Charter 
View and print a variety of forms to create, change, end, revive a business.

 

 

  •   Patents, Trademarks, Trade Names

 

Maryland Department of Assessments and Taxation 
Trade names may be registered with this State Agency. Download the form for creating a trade name, fill it in, then mail it.

 

Maryland Secretary of State 
Trademark or Service Mark search and registration. Helpful Frequently Asked Questions section. Print out necessary registration form.

 

Free Patents Online
Search for patents and download in PDF format. Free registration.

 

United States Patent and Trademark Office
The Federal Department of Commerce site for information on patent and trademark registration searches

 

 

  •   Permits, Licenses

 

Baltimore County Department of Permits, Approvals and Inspections 
Baltimore County resource for permit information.

 

Maryland Business License Information System (BLIS) 
One-stop online source for information on the permits and licenses you may need to start, relocate or expand a business in Maryland.

 

Maryland Department of the Environment - Small Business Assistance Program 
Guide to environmental permitting and compliance. Free assistance is available to small businesses.

 

 

  •   Zoning Issues

 

Citizen's Guide to Zoning in Baltimore County 
Baltimore County Department of Planning provides this document. Helpful definitions of the different zoning classifications are given.

 

 

  •   Americans with Disabilities Act

 

American With Disabilities Act (ADA) Home Page This United States Department of Justice site provides access to enforcement, certification, and regulatory information concerning ADA compliance.  Links are provided to other federal agencies with ADA responsibilities. Also provided is the ADA Guide For Small Business.

 

 

 

Legal Guide for Starting and Running a Small Business

 

 

 

 

 

 

 

 

 

 

 

 

Click button below to enter the Legal Forms database

 

Legal Forms database button

 

Please note:  A library card registered with Baltimore County Public Library is needed to use these online resources.

 

Marketing

 

  •   Major Resources

 

Baltimore County Small Business Resource Center 
The local contact for all small businesses located in Baltimore County or wishing to conduct business in the county.

 

Small Business Counseling @ BCPL branches
Obtain assistance with business plan development, marketing, loan preparation and minority business enterprise at an individual, one-hour appointment with an adviser from the Small Business Resource Center. For dates and times, see dateLines, our Calendar of Events for the following branches: Catonsville, Essex, Parkville, Randallstown, Rosedale, Towson and White Marsh.

 

Service Corps of Retired Executives (SCORE), Counselors to America's Small Business 
Individual counseling is available to help the business owner focus on the issues relevant to effective market planning.

 

Maryland Small Business Development Center (SBDC) 
Provides free counseling on business problem solving, business plan development, marketing, loan package preparation to existing businesses and start-ups. Conducts low-cost seminars and workshops on topics of specific interest to small business. A program of the University of Maryland Center for Applied Policy Studies, Towson University, the United States Small Business Administration, and the Maryland Department of Business and Economic Development.

 

 

  •   Demographic Sources

 

Baltimore County Infobank - Demographics
Population, household income, income statistics with emphasis on Baltimore County. A Baltimore County Department of Economic Development site.

 

Baltimore Metropolitan Council - Regional Information Center 
Provides demographic data for Baltimore County.

 

Maryland Office of Planning
This department will create customized reports using population and housing census data. The site features helpful maps of Priority Funding Areas, Land Use/Land Cover as well as Existing and Potential Development Areas

 

  •   Databases

Links to electronic resources that contain valuable business information. A library card registered with Baltimore County Public is needed to use the resources.

 

Hoover's

Provides company details such as description, contact information, competitors and key personnel. This information can be used for client meetings, sales presentations, vendor and partner negotiations, and marketing efforts. News from the business world and scheduled IPOs are also included.
 

Reference USA
Database of over 11 million company profiles including address and phone number, NAIC codes, numbers of employees, sales volume, product lines and corporate structure. Also includes a residential directory. Featured are:

 

  •  US Businesses
  •  US Standard White Pages
  •  US Healthcare
  • US New Businesses
  • Canadian White Pages Canadian Businesses
  • US Consumers/Lifestyles -  This module broadly applies census information from your neighborhood as well as other “public” records (such as what magazines you         subscribe to or memberships that you may have) and makes generalizations about your interests and marketing characteristics.  This information is downloadable for potential marketers.
  • US New Movers/Homeowners

 

 

 

 

  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Reference USA Button

Hoover's

Facebook Era

Minority / Women Assistance

 

Maryland Department of Business and Economic Development - Small Business Resources

 

 

Maryland Department of Transportation--Minority Business Enterprise Program (MBE) 
The state requires companies to be certified through this department. State contracts are awarded when primary contractors meet MBE goals.

Maryland Governor's Office of Minority Affairs

The mission of the Governor's Office of Minority Affairs (GOMA) is facilitating minority business enterprise activities through coordinating and promoting government programs aimed at strengthening and preserving the state’s 200,000 minority and women owned businesses.

 

 

Minority Business Development Agency (MBDA) - United States Department of Commerce
A national site committed to the growth and expansion of minority-owned businesses.

 

 

Minority Business Enterprise - Maryland Department of General Services 
This State agency administers compliance with Maryland's Law regarding procurement and provides a directory of procurement contacts in state offices.

 

 

Spanish Language Site
Small Business Administration site with information on starting a business, obtaining government contracts and financing.
( La Agencia Federal Para el Desarrollo de la Pequeña Empresa )

 

 

Women Entrepreneurs of Baltimore (WEB) 
Provides training, technical assistance and follow-up services for microbusiness start-ups/development in the Baltimore area.

 

 

  

32 Ways To Be A Champion in Business

 

Newspapers / Periodicals

 

Baltimore Business Journal 
Local weekly news as well as links to Business Journals in other cities.

 

BusinessWeek online
Online version of the national weekly.

 

Daily Record 
Maryland business news.

 

Jeffersonian 
County-based weekly with a focus on small business

.

BaltimoreSun.com 
The Baltimore Sun's online presence.

 

StartupDigest.com
A weekly email resource for startups in forty cities, including Baltimore.

 

 

  General Resources

 

Enoch Pratt Free Library: Small Business Corner 
Comprehensive list of resources to help create a business or product or for expanding your existing business

 

University of Maryland, Baltimore County (UMBC) – Research Park and Technology Center 
This is an incubator which provides facilities and services that encourage the formation and survival of startup and growth technology enterprises with links to university research and expertise.

 

Business.gov
A one-stop site managed by the Small Business Administration where businesses can check for all of their compliance needs. Provides compilations of news, information and federal forms from nearly 100 government web sites. Updated regularly. A Business Resource Library provides links to business information and services across federal, state and local governments.

 

United States Small Business Administration - Maryland District Office
Whether you are starting a business or operating an established business, the United States Small Business Administration has a variety of programs to assist you. Counseling offered in the areas of finance, management, technology and procurement.

 

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