1. BUSINESS LIFE CYCLE WHERE ARE YOU? IDEA Have an idea, not sure what to do with it START UP In operation less than one year, or ready to start EXISTING Generating revenue for at least 12 months

2. EDUCATION CLASSES Start Smart: Foundations I 6 weeks Meet once per week, 3 hrs $175, scholarship available Next Level: Foundations II 4 weeks Meet once per week, 3 hrs $200 Plan to Paper: 4 weeks Meet once per week, 3 hrs $100 Foundations I not required Curriculum: Data-driven goal setting and time management techniques to grow your business into its next phase Complete your business plan with guidance from an instructor and your peers Must be a loan client, or completed Foundations I Must enter class with a draft of your business plan Curriculum: “How to start a business” Portland or Hillsboro location East Portland - Fall 2014 IDEA: Have an idea, not sure what to do with it START UP: Beginning or In operation less than one year EXISTING: Generating revenue for at least 12 months I S E

3. EDUCATION SEMINARS CONSULTATION IDEA: Have an idea, not sure what to do with it START UP: Beginning or In operation less than one year EXISTING: Generating revenue for at least 12 months One-time, in-depth Workshops 6 pm, Wednesdays Monthly schedule available online $25 per workshop Subscriptions : $75 for a 4-pack (save 25%) $125, Annual Unlimited Expert presenters, past topics include : Marketing, social media, SEO, taxes, legal structures, and more One-on-One Consultation 50 minute sessions $25 per session By appointment only Open to Loan, IDA clients, and those who complete week 4 of Foundations I LEGAL provided by small business attorney RECORD KEEPING provided by CPAs GENERAL Small Business advising and business plan review from experienced business mentors CREDIT Counseling is open to public S E I

4. FINANCING IDA MATCHED SAVINGS OVERVIEW EXISTING: Generating revenue for at least 12 months Individual Development Account (Grant) Tier 1: Save $1,000, grant match of $3,000 Tier 2: Save $2,000, grant match of $6,000 Used for: fixed business assets only Savings Period: (in joint custodial account) Tier 1: 6 month minimum Tier 2: 13 month minimum Can extend up to 2 years S E START UP: Beginning or In operation less than one year REQUIREMENTS RESIDENT: Oregon BUSINESS: Oregon based NET WORTH: see chart ( requirements exclude your primary home / vehicle) MEDIAN INCOME: see chart SOURCE OF EARNED INCOME EDUCATION: must complete education requirements (Found I or II, 2 seminars, 2 consultation, business plan)

5. IDA MATCHED SAVINGS PROCESS COMPLETE: (while saving) Foundations I or II course 2 consultation sessions 2 seminars (one financial) Business plan APPLICATION: complete and submit with Required documentation: Last year’s tax returns Last 2 months official bank statements Last 2 months of income verification Copy of Oregon ID MEET : with IDA specialist START SAVING

6. FINANCING LOANS OVERVIEW REQUIREMENTS EXISTING: Generating revenue for at least 12 months START UP: $500 - $20,000 EXISTING: $500 - $50,000 (Average $10,500) REPAYMENT: 36 month average INTEREST: 8 - 12%, 2% closing fee DISBURSEMENT: sent directly to vendors S E START UP: Beginning or In operation less than one year RESIDENT: OR or WA CREDIT SCORE: 550 or no credit history CREDIT HISTORY: good for past 12 months ( No active bankruptcy, no open or unpaid collections, tax liens, judgments, or past due child support) NO ACCESS: to traditional credit

7. LOANS PROCESS LOAN INQUIRY: complete online 3 Business days to hear back If inquiry is approved: FILL OUT APPLICATION $30 fee, credit check APPROVAL PROCESS: 60 Business days Can take up to 60 days to receive final approval Underwriting, Review, Loan Committee

8. FINANCING EXISTING: Generating revenue for at least 12 months One Business IDA + LOAN S E START UP: Beginning or In operation less than one year TO GROW YOUR BUSINESS

9. LONG TERM MENTORING SMALL BUSINESS DEVELOPMENT CENTER (SBDC.ORG) Assistance with business planning, accessing capital, booking and taxes, hiring and training, marketing, technology, and more. MICRO MENTOR.ORG Free, online matching service to help you find a business mentor SCORE. ORG Free business counseling RESOURCES

10. BUSINESS DEVELOPMENT Where are you in the Business Life Cycle? IDEA: Have an idea, not sure what to do with it START UP: Beginning or in operation less than one year EXISTING: Generating revenue for at least 12 months Start Smart: Foundations I Seminars Next Level: Foundations II IDA: Matched Savings Loans Qualify (Income Qualification) Tier 1: $3,000 match Tier 2: $6,000 match Qualify Up to $20,000, operating <1yr Up to $50,000, operating >1yr I S E I S S S E E E S SIE PROGRAM OVERVIEW