Adventure Tourism EE Presentation, April 9, 2010

What Do
These
Entrepreneurs
Have in
Common?

Confidence?
Competitiveness?

An Idea?

Drive?

Identified
Market Need?

A Plan
of
Action?

Willing to take
Risks?

Focused?

Goal & Objective?

A successful
enterprise

Remember as a start-up
your place in the food chain

Small Business in
Virginia
 Small Businesses constitute
99% of all Virginia businesses.
 Small Businesses create over
60-80% of all new jobs.
 Small Businesses account for
half of the Commonwealth of
Virginia’s contribution to the
U.S. Gross Domestic Product -
a whopping $160 billion.

Virginia is for Business Lovers

• Virginia ranked #1 state for business by
Forbes.com last four years.
• Ranked #1 most business friendly state by
Pollina Corporate Real Estate, Inc. last two years.
• Named #1 best states for business by CNBC.


Ask VBIC = 866-
248-8814

How to Start and Operate
A Business

VA Small Business
Development Center
Network

Who we are:

 A consortium of 29 centers throughout
the Commonwealth that assists small
business owners or managers to
improve and grow their businesses and
would-be entrepreneurs to make the
right decision.

6 Small Business Development
Centers in the
Southwest Region
 MECC SBDC serves Scott, Lee, Wise &
Dickenson Counties and City of Norton

Our Mission is:

 “To foster small business success and grow
Virginia’s economy.”

We are in the “economic development business” –
helping one business at a time.
Become
 More Competitive

 More Cost Effective

 More Profitable

What we do:
 Provide one-on-one, in-depth business
management counseling to any and all who
request assistance. There is no charge for
consultation services and information is strictly
confidential.
 Provide opportunities for affordable workshops,
seminars, conferences, and courses that
provide professional development opportunities
for the small business manager.
 Serve as a referral source to other specialized
business service providers and access to a
variety of sources of capital.

Who are we for:

 The business owner or manager wanting
to expand the business, solve a
business problem, develop a new idea,
explore new markets, needs expansion
capital.
 The aspiring business owner who needs
a business plan, and assistance with
understanding the market, financial
planning, and the legal and technical
requirements for starting a business.

What help is available:
 Create a comprehensive business plan and proforma
financial statements
 Sources of financing and loan application assistance
 Enhancing management skills
 Financial analysis
 Market analysis and marketing
 Business problem solving
 Registration, licensing, certifications (SWaM, eVA)
 Specialized business assistance resources
 PTAC, MTC, VEDP, VSBFA, SBA

Our center has…

 served over 2000 Clients since 1991
 created and retained over 1800 jobs
 created $33 Million in new capital
investments
 generated $16 Million in new sales
 According to independent research,
Virginia businesses that work with their
local SBDC grow 30% faster and create
10 times more jobs than Virginia
businesses in general.

Legal Entity

 One of the most important decisions you
need to make before starting your
business is determining what legal form
your business will take.
 Sole Proprietor
 Partnership
 Corporation
 Limited Liability Company (LLC)

A Business Plan

 Planning is your map to success in the
business world. You need to write a
business plan if you are:
 Starting or buying a business
 Expanding or re-directing your business
 Financing, refinancing or raising equity
capital
 Every business should have a plan
 Fluiddocument
 Review and Up-date the plan regularly

A Business Plan helps you….

 find hidden business flaws and makes you think
carefully about each phase of your business
 analyze and determine those areas of your
business that are dragging the positive parts
down
 gain in-depth knowledge about your business
which will make it easier to answer
lenders’/investors questions
 clarify what is involved in making your business
work successfully

A Business Plan Contains
 Business Description
 Managers & Employees
 Operations & Location
 Market Analysis
 Marketing & Sales
 Your Web Site
 Analyze Your Competition
 Loan Request
 Financials
 Personal Financial Statement
 Balance Sheet
 Income Statement
 Cash Flow Statement

The Plan will help you:

 Move ideas from
your head to paper in
an organized, clear,
convincing manner
 Avoid the most
common mistakes
 Keeps your focus on
key points

How can we assist you?

Phone: 276-523-6529
Fax: 276-523-8139
 tblankenbecler@me.vccs.edu
 www.mecc.edu/sbdc

Turn to SCORE Counselors for
Small Business Advice
Live Your Dream. SCORE Can Help.

Small Business and Leadership


Q: Why is small business so important to the
economy?
A: Small businesses create jobs and fuel growth.

 There are nearly 26,000,000 small businesses
nationwide.
 Small businesses represent 99.7% of all employers.
 Small businesses create 75% of new jobs.
 About 672,000 new small businesses are formed
each year.

Small Business and Leadership


Q: Why is owning a business important to you?

A: Small business represents success on your own terms.

 Be your own boss.
 Bring a new idea to life.
 Achieve your lifelong dream.
 Create financial independence.
 Turn your hobby into a profitable business.

About SCORE


SCORE “Counselors to America’s Small Business” is a national
nonprofit association.
“SCORE provides resources and expertise to maximize the
success of existing and emerging small business”

 Workshops and Seminars
 Face-to-Face counseling
 Online counseling www.score.org
 Free and confidential business advice

About SCORE


Q: How can a SCORE business counselor help?

A: SCORE counselors give real-world advice
that applies to your business.

 Practical advice
 Business planning
 Problem-solving
 Growth strategies
 Confidential sounding board

About SCORE


SCORE business counselors are volunteers. Volunteers
who have achieved business success–and want to help you
succeed in your business.

 Dedicated volunteers
 Confidential advice for your business
 Experienced business owners and executives
 Experts who’ve seen both economic highs and lows
 Pros with expertise in hundreds of disciplines

SCORE Services for You


 Confidential business counseling
 Long-term business mentoring
 Face-to-face brainstorming sessions
 Online email advice available anytime
 Local workshops and seminars

SCORE Services for You


 More than 12,000 counselors nationwide
 Representing over 300,000 years of
business experience
 More than 1,000 locations for counseling
 Ask SCORE online counseling at
www.score.org

SCORE Resource: www.score.org


The SCORE Small
Business Web Site
also offers:

Business Tools—
Workshops, tips and tools
for your business.

How To—Industry
articles and expert
insights.

Turn to SCORE


Steve Willinger
Bristol Chapter Chair
steve@stevewillinger.com
(423) 989-4866 www.bristolscore.org

Growing Your
Business/Marketing
Strategies

Entrepreneur Express
March 18, 2010

MARKETING & ADVERTISING
For The Entrepreneur

Steve Willinger
Small Business Marketing Professional
Social Media Strategist
Bristol, TN

Today's Agenda

• Marketing Today
• Social Networking
• Planning for Success
• Advertising for the Small Business
• Developing a Marketing Budget

A Few Facts

• Advertising is struggling
• Expectations are increasing
• Competition is everywhere
• Time is a scarcity
• Technology has become an integral component

Marketing is. . .

“Everything you do to place your product or service
in the hands of potential customers.”

• Creating a customer
• Keeping a customer

Marketing Plans

• Anticipate future events
• Define a direction
• Create a blueprint

Marketing Plans

“A written plan turns your marketing into
a planned investment
rather than a hopeful risk”

A Good Plan…

• Easy to understand
• Clearly links objectives to strategies
• Specific and measurable
• Flexible
• Provides for checkpoints

The Marketing Plan

• Reality Check
* Current economy
* Understanding success factors
* Challenges your company faces
• Customer Analysis
* Demographics, purchasing behaviors
• Competitive Analysis
* SWOT analysis, competitive changes, challenges

The Marketing Plan

SMART Objectives
• Specific
• Measurable
• Accurate
• Realistic
• Time-based

The Marketing Plan

• Strategies must be linked to the objectives
• Well thought-out strategies can provide discipline
• Minimizes the tendency to react
• Provides a benchmark for measuring success

7 Step Marketing Plan

1. State the purpose of your marketing.
2. Define your target audience.
3. State customer benefits to emphasize.
4. List marketing objectives & strategies
5. Describe your market
6. Establish your budget.
7. Prepare an Action Calendar.

ADVERTISING is . . .

The most “convenient” method of
communicating to your target audience the
benefit of purchasing your product or service.

Fact: Most people ignore advertising

The key is to ensure that they take notice of
yours!

HOW?

Make sure your company is
Recognizable
Location
Regular advertising will build awareness
Constant Focus on Sales and Marketing
Community Involvement
Public Relations
Communication
Customer Service

Make sure your company is
Memorable

How Does Advertising Work?

 Advertising puts your company at the forefront of
people’s minds.
 Advertising either stimulates a purchase or helps to
ensure that people know where to go when they do
decide to purchase.
 Advertising also confirms a customer’s decision that
doing business with you was a good idea

QUESTIONS ASKED . . .

• What is it going to cost?
• What methods would benefit my business
the most?
• Meet with a professional

Advertising Budget Basics

% of lifetime value of customer
% of previous annual sales
% of desired sales
8-10% average retail (b2c)
4-6% average wholesale (b2b)

Marketing & Advertising = Customers

“It’s your turn for Comments and
Questions”
Steve Willinger
Small Business Marketing Professional
Social Media Strategist
(423) 797-0355
smwillinger@gmail.com
stevewillinger.com
linkedin.com/in/stevewillinger
facebook.com/stevewillinger

Tourism Business Development &
Marketing Assistance
Kitty Barker
Development Specialist – Partnership Marketing
Virginia Tourism Corporation
kbarker@virginia.org
276-466-8772

www.vatc.org (industry)
www.virginia.org (consumer)

 19.2 billion in revenue
 supported 210,620 jobs

 provided $1.28 billion in

state and local tax revenue

IMPACT OF TOURISM IN VA - 2008

 Advertising
 Customer Service & Industry Relations
 Electronic Marketing
 Film Office
 Marketing & Promotion
 Public Relations
 Research
 Tourism Development
 Others

VIRGINIA TOURISM CORP. SERVICES

 Wilderness Road Heritage Trail
 Virginia Coal Heritage Trail
 ‘Round the Mountain
 Heartwood
 Spearhead Trails

DEVELOPMENT & PARTNERSHIP
MARKETING

 Planning Assistance
 Marketing Guidance
 Workshops

Business Assistance

• Marketing Leverage Program

Funding

Canoe Rentals and Tours
Fishing and Boating Rentals

Bicycle Tours and Outfitters

Adventure/Nature Camps

TOURISM BUSINESS OPPORTUNITIES

Wineries/Vineyards

Corn Maze
Pumpkin Patch

Pick Your Own

Animal Parks

Herb/Flower Farms

Christmas Trees Farms

Agri-tourism

Bed & Breakfast Inns
Cabins and Cottages

Lodges

Campgrounds

Horse Campgrounds

Horse Stables/Barns

House Boats

Green Lodging

UNIQUE LODGING OPPORTUNITIES

Music/Theater Venues
Artisan Studios/Galleries
Heritage Sites
Tea Rooms
Breweries/Pubs
Eclectic Restaurants
Shopping
Spas

Attractions

Caterers Cleaning Services
Food/Drink Distributors Electricians
Restaurant Equipment Plumbers
Security Systems Pool Maintenance
Convenient Stores Lawn Care
Web Site Designers Auto Repair
Ad Agencies Events Planners
Travel Agencies Florists
Motorcoach Companies Linen Services
Car Rental Offices

ANCILLARY BUSINESSES

6 QUESTIONS YOU SHOULD ANSWER
 What are we trying to accomplish?
 Who is our target audience?
 What message will move our audience?
 What vehicle do we have to deliver the message?
 What are our resources?
 How do we measure our performance/success?

Marketing Tips

MARKETING PLANS CHANGE

 Because of business growth
 Because of research
 Because of economic factors
 Because of technology (social media)
 Because there is always change

Marketing Tips

VIRGINIA’S RECENT AD CAMPAIGN

TARGETING NICHES & GROUPS BY INTEREST

• Traditional Music (Crooked Road)
• Cultural Heritage (Coal Heritage Trail)
• Anglers (Fish Virginia First)
•Outdoor Enthusiasts
•Weddings/Meetings/Group Tours

Marketing Tips

PUBLIC
RELATIONS

Marketing Tips

 Visit www.vatc.org & www.virginia.org
 Sign up for the Dashboard e-newsletter
 Attend at VTC Help Desk event
 Establish relationships with all VTC divisions –
tap into our services (i.e. marketing, advertising,
research, etc.)

LEARN MORE ABOUT VTC SERVICES

Kitty Barker
Development Specialist – Partnership Marketing
Virginia Tourism Corporation

kbarker@virginia.org
276-466-8772

www.vatc.org (industry)
www.virginia.org (consumer)

Financing & Managing
Resources

Helpful Hints for
Financing
Your Business
Scott Peak
Market President

© 2009 Wells Fargo Bank, N.A. All rights reserved. For public use.

Helpful Hint #1
Get Your Financial House In Order

 Obtain a copy of your personal credit report.
• Check for any inaccuracies or mistakes.
• Make certain that all accounts are current and there are no
outstanding judgments or liens.
• If there is any derogatory information, be proactive and prepare to
explain the problems and why the problem is not likely to occur
again.

 Gather personal and/or business records
• For the past three years, including:
• Tax returns, financial statements with schedules and
attachments, and interim year-to-date financial statements.
• Any other financial documents that might help a lender.
• Neatly photocopy all of the documents and prepare them for your
presentation.

82

Helpful Hint #2
Understand What Your Lender is looking for

 Be specific in what you are asking for
• Know how much you need
• Be prepared to support all costs with estimates, invoices, or
contracts
• Never tell a lender that you want to borrow as much money as
possible.
 Primary source of repayment
• Be able to demonstrate how you will pay back the loan
• Debt Service Coverage = Earnings before Interest, Taxes, and
Depreciation / Total Debt Service
• Debt to Income= Debt service / Income available to service
debt
Secondary source of repayment (back up plan)
• Be prepared to be able to demonstrate how your lender will be
paid back if income falls short
• Be prepared to have guarantors and possible collateral
83

Helpful Hint #3

Recognize Your Strengths And Weaknesses
 Bank underwriters are paid to identify risk
• Business owners tend to be optimistic
• Be prepared for scrutiny
• Address your strengths and challenges realistically & honestly
 Most common weaknesses lenders find are:
• Inability to demonstrate repayment ability
• Insufficient collateral
• Lack of management experience
• Insufficient cash injection
• Poor personal credit
 Don't get scared; just get prepared
• Depending on the severity of any particular weakness, you can
often overcome it if you are prepared with a particularly
noteworthy and compensating strength.
84

Sources of Financing
 Credit Cards
o Most expensive
o Credit lines may be cut unexpectedly
o Most risk
 Personal Savings
o Lowest expense
o Lowest risk
o Do not use all of your savings for start up costs
 Bank financing
o Low cost
o Shorter term
o Higher equity requirements
 Small Business Administration guaranteed loans
o Low cost
o Longer terms
o Reduced equity requirements
o Lower risk to partner Banks
o Multiple plans to address real estate, equipment, and working capital
needs
 Non-profit community lenders (People Inc, etc)
85

Why NOW is the Best Time EVER to get a
SBA Loan?

 More companies than ever are eligible
 Tangible net worth <$8.5MM
 Net profits <$3MM in each of last two years
 Transaction costs are at an all time low
 SBA has waived the guarantee fee – usually ~2 points
 Interest rates are at all time lows
 Congress is now acting to increase lending limits,
waive fees, and bolster lending!

86

Advantages to SBA Loans

 Lower down payment
 Up to 90% financing on Owner Occupied Real Estate
 Up to 85% financing on Business Acquisition
 Up to 90% financing on Partner Buy Out
 Longer amortization
 20 – 25 Year Term on Owner Occupied Real Estate
 10 Year Term on Business Acquisition or Refinance
 Can lend with collateral shortfall
 SBA does not have specific LTV
 Must take “All available collateral”

87

Types of Deals Financed

 Acquisition of Owner Occupied Real Estate
 Financing available up to $9MM
 Refinance of Existing Debt
 Up to $2MM
 Must cut payments by 10% or more
 Business Acquisition
 Individual or corporate buyers
 Partner or Management Buy-Outs
 Loans up to $1.75MM
 Start Ups
 Require 30% equity
88

Why Wells Fargo SBA Lending

 Largest lender in United States
 Closed over $900MM in 2009 – three times nearest
competitor
 Experienced Lenders and Underwriters
 Preferred SBA Lender
 Growing while others contract
 2010 Goal - $1.2B
 It’s a marathon not a sprint
 We don’t sell our loans

89

Scott Peak
Market President
Wachovia Bank
601 State St – 3rd Floor
Bristol, VA 24201
(276) 645 – 1230
Scott.peak1@wachovia.com


People Incorporated Financial Services

 Creation of new job opportunities in the Ninth Congressional
District
 An important component of our economic development strategy is
the promotion of our region’s tourism economy. Southwest
Virginia’s many natural assets afford residents with new and
greater economic opportunities, including the creation and
expansion of small, locally owned businesses to serve the
increasing numbers of tourists who visit our area.
 Small business owners and non-profit entities are eligible to apply
for funding through this program for projects that enhance
tourism, create jobs and expand economic development in the
Ninth Congressional District.
 To date, more than ten projects have received financial assistance
as a result of this funding.

Loan Eligibility
 Any Profit or Non-Profit entity that enhances
tourism, creates jobs and expand economic
development in the Ninth Congressional District are
eligible for this loan fund.
 The following restrictions apply:
 A. 10-year term on real property (land and
buildings)
 B. 5-year term on equipment and machinery
 C. No refinancing of existing loans
 D. Loans must be collateralized

NDDF
Ninth District Development
Financing, Inc.
 Loans for start up or expanding a tourism related
business.
 Business must be located within the 9th
congressional district of Virginia.
 Interest rate = Prime Rate

Training and Technical Assistance

 Business Basics Workshop – 3  Customer Service Training – 2
hour hour
 Can I sell it?  Service
 Is it for me?  Attitude
 Can I manage it?  Consistency
 Where’s the money?  Teamwork

 Core Four Training – 12 hour
 Success Planning
 Market Planning
 Cash Flow Planning
 Operations Planning

Contact Information

Crystal Breeding
Business Development Manager
Email: cbreeding@peopleinc.net
(276)619-2291

Other Business
Resources
Sandy Ratliff, Business Services Manager
Virginia Department of Business Assistance
276-676-3768
sandy.ratliff@vdba.virginia.gov

www.vdba.virginia.gov
www.vastartup.org

The Virginia Department
of Business Assistance
VDBA supports economic development in the
Commonwealth by working with new and
existing businesses to provide business and
economic development communities with:

• workforce incentives
• financing
• business information and counseling
• state procurement assistance
• incubator counseling and
• educational opportunities

Business Information Services

To help businesses get started and to grow.

Formation Assistance
 Virginia Business Information Center (VBIC) 1-866-248-8814
Bridges the 26 state agencies, over 100 programs and over 300
forms that may touch a Virginia business
Virginia Central Business Portal
(www.business.virginia.gov)
Covers registration, taxation, licensing
Interactive Business Plan CD
5 Step process to a business plan
 Entrepreneur Express Events
150 Events – 7,500 Trained

Virginia’s Business One Stop
Are you starting a business?
Virginia’s Business One Stop system can help
Winner of the you determine your business formation requirements and can
2009 pre-fill your business registration forms.
Governor's
Technology
Visit http://www.virginia.gov/bos/index.html to
Awards
access the Business One Stop System.
Create a Business One Stop account.
Answer a few brief questions about your business.
Receive a list of action items and pre-filled business
registration forms.

Questions? Contact the Virginia Business
Information Center
1-866-248-8814 (804) 371-0438
vbic@vdba.virginia.gov

Growing Your $ales - State

 Governor’s Executive
Order 33
 $5 billion market
 Access to buyers from 171 state
agencies
 Additional $5 billion from local
governments
 575 localities using eVA system.
 Small Business Goal – 40%
 Over 41,490 registered suppliers
 Over 13,065 participating
buyers

Ask VBIC = 866-
248-8814

• Examples of Purchasing:
– Instant Ice Tea
• 01/01/2009 – 12/31/2009 = $23,455.71 - 46 PO’s
– Novelty – Specialty Advertising Products
• 01/01/2009 – 12/31/2009 = $152,905.34 - 152 PO’s
– Grounds Maintenance: Mowing, Edging, Plant (Not Tree) Trimming,
etc.
• 01/01/2009 – 12/31/2009 = $14,566,567.94 - 1150 PO’s
– Tires and Tubes, Passenger Vehicles
• 01/01/2009 – 12/31/2009 = $72,103.64 - 7 PO’s
– Concessions, Catering, Vending: Mobile and Stationary
• 01/01/2009 – 12/31/2009 = $6,187,712.31- 11,757 PO’s
– Building Maintenance
• 01/01/2009 – 12/31/2009 = $90,611,650.85 - 9285 PO’s
– Earth Moving Equipment Rental
• 01/01/2009 – 12/31/2009 = $8,573,333.24 -621 PO’s
– Cleaning Services, Steam & Pressure
• 01/01/2009 – 12/31/2009 = $3,358,694.55- 303 PO’s

One–on-One Counseling Sessions
Need Based:
– Accessing New Markets/Sales Growth
– Tailored Sales Development Solutions
– Financing Resources
– Social Media for Your Business

To schedule an appointment, contact:

Sandy Ratliff, Business Services Manager
276-676-3768
Email: sandy.ratliff@vdba.virginia.gov

Entrepreneur Workshops
• Launched October 2006
• Partnership with Service
Providers and localities
• Provide information on
available resources to start
and grow a business
• Statewide Program
• Free – ½ Day Session
• Over 7,500 reached
• www.vastartup.org

Growing Your $ales Workshops
 Business Sales Growth Program
 Market Research and Expansion
 Financing
 Growth Management

 Partnered events for SWAM certification and
eVA registration

 Networking of businesses and decision-
makers

Social Media Workshops
You-Link-Twit-Face

Upcoming Events:
• April 14 – Dickenson County
•April 29 – Wytheville
•May 18 – Galax
•June 10 – Washington County

Virginia Jobs
Investment Program
• Workforce recruiting and training
– Create minimum 25 net new jobs within 12 months and
capital investment of at least $1,000,000
– Minimum entry-level wage of $10.00/hr required. Only full-
time jobs are eligible.
• Small business workforce recruiting and training
– 250 employees or less, hiring at least 5 new full time
employees within 12 months of operation and capital
investment of at least $100,000
– Minimum entry-level wage of $10.00/hr required. Only full-
time jobs are eligible.
• Retraining
– Small businesses that are retooling and installing new
technologies
– Company must retrain minimum 10 full-time employees.

Financing Programs
• Direct Lending: In partnership with banks and other
lenders, we provide direct loans in economic
development transactions. We also provide direct
loans under specific programs designed to promote
environmental stewardship and assist licensed
daycare centers and family home providers.
• Indirect Lending: We provide loan guarantees or
other types of credit enhancements to commercial
banks in order to increase access to capital for
businesses.
• Conduit Financing: We are the statewide conduit
issuer of tax-exempt industrial development bonds
for manufacturers and 501c3 organizations.

The VSBFA Does Not Give…
• Grants
• Loans or guaranties of loans without
collateral
• Loans or guaranties of loans without
personal guaranties from all significant
owners

OTHER AVAILABLE RESOURCES
• Virginia Department of Labor – Apprenticeship Program
– Combination of on-the-job training and classroom instruction.
– Advantage of skilled workforce and reduced turnover.
– http://www.doli.virginia.gov

• Virginia Department of Agriculture & Consumer Affairs
– Virginia’s Finest Trademark = Marketing program that promotes foods and
foods products grown in Virginia.
– Facilitates expansion of agricultural businesses.

http://www.vdacs.virginia.gov

Virginia Business Incubator
– 9 Available in Southwest Virginia
– 30 Within Commonwealth
– Business Incubator Benefits
• Facility designed to assist businesses to become
established and sustainable
• Benefits
– Shared premises and business services
– Business advice and mentoring assistance
– More details - http://www.vbia.org/

Business Incubator

Commercial Kitchen
Light Manufacturing Space

Shared Amenities

Virginia Economic Bridge, Inc.
– Non-profit organization to promote the economic vitality of
SWVA and the Commonwealth.
– Virginia’s Business Pipeline – Online searchable database
of more than 24,000 Virginia based companies, business to
business marketing & RFP resource
www.VirginiaBusiness.org
– Virginia’s Linked Workforce Showcase – Designed to create
business partnerships yielding contracts between SWVA
and Northern Virginia by connecting companies in specific
industry sectors.
www.LinkedWorkforceShowcase.org

Starting and Growing a Business

• Business Formation Assistance
– Small Business Development Center Network = www.virginiasbdc.org
– SCORE = www.score.org
– Virginia Business Information Center = 866-248-8814
– Virginia Central Business Portal = www.business.virginia.gov
– Virginia Business Incubator Association = http://www.vbia.org/

Marketing Resources
• SCORE = www.score.org
• Virginia Tourism Corporation = www.vatc.org
• Virginia Economic Bridge, Inc. = www.virginiabusiness.org
• Virginia Department of Agriculture – Virginia’s Finest
Trademark = www.vdacs.virginia.gov

Financing Resources
• Virginia Small Business Financing Authority =
• Small Business Development Center = www.virginiasbdc.org
• Small Business Administration = www.sba.gov
• People Inc. Financial Services = www.businesstart.org
• Local Economic Development Office or Chamber of
Commerce

“If you always do what you’ve
always done, You will always
get what you’ve always got!”

Lets Connect:
Sandy Ratliff
The Virginia Department of Business Assistance
276-676-3768
sandy.ratliff@vdba.virginia.gov

Online:
Twitter: http://twitter.com/sandyratliff
Facebook: http://www.facebook.com/sandy.ratliff
LinkedIn - http://www.linkedin.com/in/sandyratliff
YouTube - http://www.youtube.com/user/vastartup

Survey Completions
Please take a moment to complete our
survey!

CONTACTS
• Sandy Ratliff, Virginia Department of Business Assistance
= 276-676-3768 or VBIC = 866-248-8814
• Tim Blankenbecler, MECC SBDC = 276-523-6529
• Kitty Barker, Virginia Tourism Corporation = 276-466-4653
• Steve Willinger, SCORE = 423-989-4866
• Scott Peak, Wachovia Bank = 276-645-1230
• Crystal Breeding, People Inc. Financial Services = 276-
619-2291
• Carl Mitchell, Virginia Economic Bridge = 540- 731-6800

Adventure Tourism EE Presentation, April 9, 2010

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