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Interactive Profile Directory Institutional Opportunity Profiles & Listings Individuals on the Record as Veteran Advocates Geographic & Regional Profiles at a Glance Organizations and Associations Making a Difference Vets Helping Vets Corporate & Supplier Enterprise Connect Veteran Biz Enterprise INTERACTIVE GUIDE TO PUBLIC/PRIVATE - VETERAN OPPORTUNITY (VO) PROVIDERS

Manufacturing Opportunity Profile Directory

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Page 1: Manufacturing Opportunity Profile Directory

Interactive Profile Directory

Institutional Opportunity Profiles & Listings

Individuals on the Record as Veteran Advocates

Geographic & Regional Profiles at a Glance

Organizations and Associations Making a Difference

Vets Helping Vets

Corporate & Supplier Enterprise Connect

Veteran Biz Enterprise

INTERACTIVE GUIDE TO PUBLIC/PRIVATE - VETERAN OPPORTUNITY (VO) PROVIDERS

Page 2: Manufacturing Opportunity Profile Directory

Give Your Career a Push! Build your career at Cleveland Brothers Equipment Co.

Cleveland Brothers is currently looking for experienced people to fill Technician positions at all our locations.

Individuals that are ready to take their career to the next level. It’s your opportunity to service Caterpillar® equipment using cutting-edge diagnostic and maintenance systems, advanced technologies and high-tech tools. Benefits:

� ��([FHOOHQW�3D\�� �����.�3ODQ� ��*URXS�+HDOWK�,QVXUDQFH� ��9DFDWLRQ�DQG�+ROLGD\V� ��/LIH�DQG�'LVDELOLW\�,QVXUDQFH

If you have the customer service focus, work ethic, and skills, it’s time you think about your future. Contact Cleveland Brothers today to start your future!

ZZZ�&OHYHODQG%URWKHUV�FRP866-778-3870

“Short quote from a technician, coming. Short quote from a technician, coming.”

Page 3: Manufacturing Opportunity Profile Directory

Veterans Opportunity | 5Science & TechnologyScience & Technology

The oil and natural gas industry is expanding exponentially with an increase in regional development,

production and distribution of new energy sources. To fill an increasing demand for workers, efforts are underway to grow the oil and gas workforce by hiring veterans.

Unfortunately, typical hiring practices leave many qualified candidate resumes in the HR office wastebasket. By incorporating technology into one’s job search, a candidate stands a much better chance of being seen. With Quick Response (QR) codes, veterans have an opportunity to leverage new media and mobile to stand out from their competition. QR codes enable a host of practical and useful applications. For instance, linking the QR code on the resume to a candidate video, mobile website or social media website (like LinkedIn) provide a simple and interesting way for recruiters to learn more about a candidate prior to an interview, saving the recruiter time and helping them hone in on most qualified candidates.

Helping Veterans Stand Out in the Hiring ProcessQR Codes

How do I create a QR code?

Mobile technology is opening doors across many industries and job seekers today. Before veterans get started, they should consider what content (video? mobile website? blog? etc.) they would like to deliver to a prospective employer. Then, find a reputable QR code creator, like NeoSphere™ Lite, which will allow you to create a code for free. Make sure to test the code to see that it brings a recruiter to the content that you intend them to see – and is in the right format (meaning optimized for the mobile device). Finally, make sure the QR code easily visible on the resume and include a call to action. For instance, “Scan the code to view my video resume.”

When veterans get creative in their use of QR codes, they will undoubtedly rise above their competition – achieving their desire for interviews and hopefully soon, a new role won’t be far behind. Get started today!

What is a QR code?

Most of us have seen a QR code on the back of our favorite product or within the pages of our favorite magazine. It’s the black and white square box that, when scanned with a barcode reader app (available for free from your phone’s app store), allow the user to access a range of content direct from their phone.

Why use a QR code?

Given the small amount of real estate on a resume and its ability to deliver a variety of content, QR codes have become a great way for job candidates to stand out from the crowd. For example, instead of including a DVD or cluttering a resume with additional information, a veteran can simply create a QR code and direct the hiring manager to scan the code and access the video from their mobile device. You can find a great example of how this can be done here. QR codes provide a simple way to communicate your message in a compelling manner.

By: Laura Marriott, CEO of NeoMedia Technologies

Corporate Info:NeoMedia Technologies, Inc. is the pioneer in 2D mobile barcode technology and infrastructure solutions that enable the mobile barcode ecosystem worldwide. Its solutions have transformed nearly 25 million mobile devices with cameras across 193 countries into barcode scanners, enabling a range of practical and engaging applications. With its suite of products, services and extensive IP portfolio, NeoMedia is able to offer customers a comprehensive end-to-end mobile barcode solution. NeoMedia’s current customers include international brands, agencies, handset manufacturers and platform providers.

Learn more at www.neom.com or visit us at one of the following online destinations:

www.linkedin.com/company/neomedia-technologies

www.twitter.com/neomediainc

www.pinterest.com/neomedia

Page 4: Manufacturing Opportunity Profile Directory

3 | VETERANS OPPORTUNITY June 2014

■ Select Energy Services

In 2007 Select Energy began operations in Gainesville, Texas. Today, Select En-ergy Services is headquartered in Hous-ton, Texas, and has grown to become a company with over $1 billion in revenues and more than 5,000 employees. We have done just that. It’s simple to us. According to the company, “Every day is an opportunity for us to work hard, prove our experience, put safety first and maintain 100% client focus. After all, we believe that is the only way to operate successfully in the oil and gas industry.”

Select Energy provides services to more than 400 customers in every major shale play throughout the United States and Canada. The company reports that it”… delivers innovative and efficient end-to-end

water solutions and well site services to oilfield operators through two primary divisions WaterOne™ and WellOne™.”

Select Energy Services, takes pride in de-claring that its most valuable assets are the more than 5,000 hard working em-ployees — that they refer to as their

team. The company recruits high caliber talent and challenges team members to continue to grow in parallel with the organization. According to Select Energy Services, theirs is “…a culture where people care about the communi-ties where we work and care about each other. We are fast paced, innovative and strive to provide exceptional customer service—24/7.”

For more information contact: Select Energy Services 1820 N I-35 Gainesville, TX 76240 Phone: 940.668.1818 www.selectenergyservices.com

■ NOVA Safety and Health

Consulting, Inc.

Oil & Gas Independent Service Provider

For More Information Contact: Debbie Chiz 1192 Townline Road North East, PA 16428 814.882.4822 (P) 814.725.5556

■ Kinetic Clean Energy, LLC.

Oil and Gas Market Maker 714 Venture Drive, Suite 169 Morgantown, WV 26508 www.keneticcleanenergy.com

■ Pennsylvania Independent Oil

and Gas Association (PIOGA)

Regional Oil and Gas Industry Advocate

The Pennsylvania Independent Oil and Gas Association of Pennsylvania (PIOGA) is the principal nonprofit trade association representing Pennsylvania’s independent oil and natural gas produc-ers, marketers, service companies and related businesses. PIOGA member companies drill and operate the majority of the state’s crude oil and natural gas, including the Marcellus Shale.

PIOGA represents over 950 members, including oil and natural gas producers, drilling contractors, service companies, manufacturers, distributors, professional firms and consultants, royalty owners, and other individuals with an inter-est in Pennsylvania’s oil and gas industry.

For more information: PIOGA 115 VIP Drive, Suite 210 Northridge Office Plaza II Wexford, PA 15090-7906 P: (724) 933-7306 F: (724) 933-7310

VETERAN’S OPPORTUNITY NETWORK: INTERACTIVE PROFILE DIRECTORY

■ Organizations & Associations ■ Business Enterprises ■ Veteran Owned ■ Government

Page 5: Manufacturing Opportunity Profile Directory

2 | VETERANS OPPORTUNITY March 2014

When Daniel Brewer was getting ready to tran-sition out of the U.S.

Navy, he really had no idea what he was going to do for the rest of his life. “I enlisted when I was 18, so I basically grew up in the Navy,” he says. “When I got out at 24, I was like a young person getting out of college. I was still trying to figure out what I wanted to do.”

While in the service, Brewer worked as an aviation electron-ics technician, serving in Norfolk, Jacksonville, Italy, Africa, and Af-ghanistan. He worked a high stress job on the flight line, servicing C-2 Greyhounds and E-2 Hawkeyes.

Once discharged from service he happened to get a job at the Advix manufacturing plant in Leb-anon, Oh., and it was while work-ing there that he learned about Get Skills to Work, a coalition managed by The Manufacturing Institute in partnership with major advanced manufacturers like GE, Boeing, Alcoa, and Lockheed Mar-tin. With a goal of getting 100,000 veterans into advanced manufac-turing jobs by 2015, GSTW seemed to Brewer like a perfect avenue for advancing his career. “I learned about it while studying at Cincin-nati State Technical and Commu-

GET INTO THE ADVANCED MANUFACTURING INDUSTRY

Our industry nationwide sees vets as a preferred workforce.

CAREERS

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3 | VETERANS OPPORTUNITY March 2014

nity College and heard GE was look-ing to hire 1,000 veterans every year for five years,” he says.

He entered the program, taking an aptitude and personality test as well as participating in a certifica-tion program, landing an interview with GE two weeks after getting out of GSTW. “I was the only one in my class with an aviation background,” he says. Today Brewer works as a testing technician for GE in Vandalia, Oh., earning comparable pay to his Navy salary. “It’s almost the exact same job I did in the Navy, just dif-ferent parts.”

Advanced Manufacturing Sector is Looking for Veterans

Brewer’s story isn’t unique. Brett Vassey, president and CEO of the Virginia Manufacturers Association, says right now there is a massive skills gap in advanced manufactur-ing across the nation. He says there is a 56 percent shortage in talent in specialized jobs like tradesmen and technicians.

In Virginia, Vassey says 20 per-cent of the advanced manufacturing workforce is 55 older and that the industry in Virginia alone will need to replace about 40,000 retiring work-ers in the coming years. “It’s a major driver of opportunity,” he says. “Vets may be our saving grace.”

That’s because the industry has moved from being “labor inten-sive to technology intensive,” and veterans often already have those specialized skills.

That’s one reason for the launch of the Get Skills To Work program and others like it. Advanced manu-

facturers are in dire need of com-mitted and talented manpower, and military veterans offer it. Like GSTW, Virginia’s own Military2Manufactur-ing program offers vets a streamlined way to find career information in advanced manufacturing as well as ways to translate their military skills into civilian employment. Military-2Manufacturing has an automated system that translates MSO codes to RSO codes.

“Then we send the vets through an assessment, and if there is a skills

gap, we show them how to get the certification or degree they need to land a job in our industry,” Vassey ex-plains. He admits it has taken awhile for the industry to make sure that military certifications translate in the civilian world. “Industry certifications have finally started ‘cross-walking,’” he says. “We now have reciprocity in the private sector.”

With that reciprocity in place, through programs like GSTW and Military2Manufacturing, Vassey says a vet can acquire two to three

Workers Needed Now

Vassey says that 85 percent of the occupations for which the advanced PDQXIDFWXULQJ�VHFWRU�ZLOO�EH�VHHNLQJ�ZRUNHUV�LQ�WKH�QH[W�ÀYH�\HDUV�DUH� LQ�WKH�PLG�VNLOOV�DUHQD��ZKHUH�LQGXVWU\�VSHFLÀF�VNLOOV�SOXV�H[SHULHQFH�DQG�leadership capacity will make vets especially career-ready in this sector. The following entry-level jobs have high demand now for workers:

• Manufacturing, chemical and industrial maintenance technicians

• Welders

• Machinists

• Fabricators

• Quality control workers

• Transportation service providers

• Logistics personnel

Weil indicates that certain advanced manufacturing sectors have substan-tial demand for employees now. Those include the oil and gas sector with highest demand in Texas, Louisiana, Pennsylvania and Ohio, as well as the bio-tech/medical device industry. “Precision machining,” he adds, “is uni-versally in demand.”

CAREERS

What Can You Make?

One major appeal of advanced manufacturing is not just the transferability of military to civilian skills but also the salaries. According to Vassey, an en-try level manufacturing technician can expect to make wages of $50,000+ per year. With more academic training and industry experience, a vet could HDVLO\�UHDFK�VL[�ÀJXUHV�LQ�WKH�DGYDQFHG�PDQXIDFWXULQJ�VHFWRU��

Page 8: Manufacturing Opportunity Profile Directory

4 | VETERANS OPPORTUNITY March 2014

credentials in six to eight weeks of training that will make him or her employable in an entry level position in advanced manufacturing.

Another training and job place-ment option for veterans seeking careers in Advanced Manufacturing is the Right Skills Now program, a partnership among The Manufac-turing Institute, ACT, the National Institute of Metalworking Skills, and the President’s Council on Jobs and Competitiveness. “This program started in Minnesota at two com-munity colleges,” explains Brent Weil, senior vice president for education and workforce at The Manufacturing Institute. “With 16 weeks of training in CNC machining operations, for example, you can get four industry certifications, and you’ll participate in an eight-week paid internship.”

Meanwhile, the GSTW program, specifically for veterans, can get one certified in advanced manufacturing production in as little as four weeks with four industry certifications. “Many manufacturers across all in-

dustries have made a commitment to hire vets,” Weil says. “They possess so many employability skills needed in this industry.”

“Our industry nationwide sees vets as a preferred workforce,” Vassey says, though he admits veterans will probably have to go to larger compa-nies to encounter a Human Resourc-es department that understands the important skills they bring to the job. “The new veteran is one who prob-lem solves, is entrepreneurial, and a team player,” Vassey adds. “We love people who thrive in change.”

What’s Required of an Entry Level Employee in Advanced Manufacturing?

• Secondary training, typically at the community college level, is necessary for an entry-level advanced manu-facturing position but not an advanced degree.

• Workers need core compe-tencies, including the ability

to do applied mathematics and familiarity with workplace safety and quality assurance practices.

• The ability to take initiative and handle a crisis are critical skills for this industry and ones where vets already have sub-stantial experience.

• Employers are seeking a highly motivated workforce that can fill gaps in employ-ment now.

Where To Find Training and Jobs

For more information on available jobs in the advanced manufacturing sector as well placement assistance, check out these resources:

Get Skills To Work: www.getskillstowork.org

Right Skills Now: www.rightskillsnow.org

Military2Manufacturing: www.manufacturingskillsinstitute.org/ military2manufacturing

Dream It Do It Virginia: www.dreamitdoitvirginia.com/ occupations/military

For more information on schools around the country that offer National Asso-FLDWLRQ�RI�0DQXIDFWXULQJ�(QGRUVHG�0DQXIDFWXULQJ�6NLOOV�&HUWLÀFDWLRQV��FKHFN�RXW�ZZZ�WKHPDQXIDFWXULQJLQVWLWXWH�RUJ�6NLOOV�&HUWLÀFDWLRQ�0�/LVW�0�/LVW��

Advanced manufacturers are in dire need of committed and talented manpower, and military veterans offer it.

CAREERS

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June 2014 VETERANS OPPORTUNITY | 4

■ Independent Oil and Gas Association West Virginia (IOGAWV)

Regional Oil and Gas Industry Advocate IOGA of West Virginia, Inc.

300 Summers Street, Suite 820 Charleston, WV 25301 Voice: (304) 344-9867 Fax: (304) 344-5836 E-mail: [email protected]

■ Asayo Creative, Inc.

Asayo Creative is a bold, innovative marketing and design agency located in

Morgantown, West Virginia. Asayo was founded with one goal in mind — World Domination. Since con-quering the planet is still a few years away, we have instead focused on assembling a group of

the area’s most talented individuals in marketing and design.

Combining experience, motivation, pas-sion for design and an in-depth knowl-edge of web, print, mobile and audio/visual tradition and trends, Asayo Cre-ative will help you develop A Style All Your Own.

Media and Design Services 939 Canyon Road Morgantown, WV 26508 Office: 304.413.0100 Fax: 866.882.4315 [email protected]

■ Morgantown Area Chamber

of Commerce

Regional Business Community Development

The Morgantown Area Chamber of Commerce (MACOC)is a non-pro# t, member based organiza-tion with over 400 members throughout the region and state. Founded in 1920, the Chamber has been active in the pro-gression of Morgantown and serves as the voice of business to local, state and federal government agencies.

Dedicated to the Business, Community and Vision of the Morgantown area, the Chamber offers a wealth of services and knowledge benefits to our members to help them succeed and prosper. Through networking opportunities in our Busi-ness After Hours and variety of other meetings and events, from educational seminars and member-to-member referrals, the Chamber gives you the resources and tools that you need to succeed. We are focused on the future of the Morgantown area and creating a business atmosphere that benefits the development, growth, and expansion of businesses in our area.

For more information: Morgantown Area Chamber of Commerce 1029 University Avenue, Suite 101 Morgantown, WV, 26505 Phone: 304.292.3311 Fax: 304.296.6619 [email protected]

■ ShaleNET

ShaleNET is a 4.96 million dollar United States Department of Labor Education and Training Administration commu-nity based job training grant, aimed at providing job placement assistance, job awareness, career exploration and train-ing for individuals interested in entry level positions in the natural gas indus-try.

Byron Kohut, Ed.D. Director, ShaleNET Western Region Westmoreland County Community College Youngwood, PA 15697-1898 724-696-4593

Western Hub Technician: Elaine Fisher Regions covered by county: Huntington, Fulton, Bedford, Somerset, Cambria, Blair, Fayette, Westmoreland, Indiana, Armstrong, Butler, Greene, Washington, Beaver, Lawrence, Mercer, Clarion, Ve-nango, Crawford, Erie, Warren, Forest, Allegheny, and select counties in New York, Ohio, and West Virginia

David Pistner Director, ShaleNET Eastern Region Pennsylvania College of Technology – DIF 29 One College Avenue Williamsport, PA 17701570-327-4775

Eastern Hub Technician: Wanda Engel Regions covered by county: Mifflin, Centre, Clinton, Lycom-ing, Columbia, Mon-tour, Northumberland, Union, Snyder, Wyoming, Susquehanna, Bradford, Tioga, Sullivan Cameron, Clearfield, Jefferson, Elk, McKean, and Potter

VETERAN’S OPPORTUNITY NETWORK: INTERACTIVE PROFILE DIRECTORY

Page 10: Manufacturing Opportunity Profile Directory

5 | VETERANS OPPORTUNITY June 2014

■ GJK Art

GJK offers the best in fig-urative art painting with distinctive works that reflect American diverse culture and heritage. Within the pages of Veterans Opportunity Magazine, GJK

Art showcases America at work – a special collection of paint-ings depicting US Veter-ans pursuing their op-

For more information: Log on to Facebook

■ American Oil & Gas

Reporter(AOGR)

For Veteran Entrepreneurs seeking to start run or grow a business within the Oil and Gas sector, the American Oil & Gas Reporter (AOGR) is a must read. AOGR dedicated oil and gas publica-tion devoted to the exploration, drilling, and production. The magazine is also an independent industrial trade publication that serves as the Official Publication for 28 associations of independent oil and gas producers and operators.

Each AOGR issue provides valuable insight into the business of oil and gas, with news from association executives and committees, views from Wall Street analysts, and field success stories from industry peers keeping readers in the

know. From chief executives to operations managers and field technicians, AOGR delivers the business, financial and technical information readers need to succeed.

The American Oil & Gas Reporter P.O. Box 343 Derby, Kansas 67037-0343 Phone: 316-788-6271 Fax: 316-788-7568 Toll Free: 800-847-8301

■ Clear Mountain Bank

September 2012: Clear Mountain Bank, Bruceton Mills, West Virginia is rated as a Superior 5-Star bank according to BAU-ERFINANCIAL, Inc., the nation’s leading bank rating and research firm. This rating indicates that Clear Mountain Bank is one of the strongest banks in the na-tion. A recent press release indicates that Clear Mountain Bank has earned this highest rating for the latest 36 consecu-tive quarters. Moreover, to accomplish this feat, Clear Mountain Bank excels in areas of capital, asset quality, profitability and much more.

As noted by, Karen L. Dorway, presi-dent of the rating firm, “Consumers and businesses alike have come to depend on Bauer’s 5-Star rating system as they navigate through their banking choices,” comments “They know to look for the 5-Star logo to ensure that the trust they have in their bank is well-placed. Un-der the leadership of Mr. Brian Thomas, president and CEO, the dedicated team at Clear Mountain Bank has earned that trust and respect.”

Clear Mountain Bank is a locally-owned and managed community bank serving Monongalia, Preston and Garrett coun-ties.

BAUERFINANCIAL, Inc., Coral Gables,Florida, the nation’s leading independent bank and credit union rat-

ing and research firm, has been reporting on and analyzing the per-formance of U.S. banks and credit unions since 1983. No institution pays BauerFinancial to rate it, nor can any choose to be excluded. Consumers may obtain free star-ratings by visiting www. bauerfinan-cial.com.

PO Box 205 Bruceton Mills, WV 26525 Phone: 304-379-2265 Email: [email protected]

■ Cleveland Brothers

Equipment: Heavy Equipment

On Jan. 1 1948, Cleveland Brothers was formed. In 1965, Roy stayed at Cleveland Brothers while Bob moved to New York to pursue other dealer opportunities. Bob and Roy’s father, C.W. “Dad” Cleve-land, was hired as the purchasing agent for the company. Roy’s son, Jay, began working at his father’s company in 1961. In 1963, Bill Kirchhoff married Jean Cleveland, Roy’s Daughter. In 1988, Jay Cleveland Jr. joined the company and is currently president/chief executive offi-cer. Tom Kirchhoff joined the company in 1994 and is currently the executive vice president and chief operating officer of the company. As Jay and Bill’s sons take the same path, Cleveland Brothers remains a family oriented business. Meet-ing the needs of its cus-tomers has always been Cleveland Brothers’ focal point.

VETERAN’S OPPORTUNITY NETWORK: INTERACTIVE PROFILE DIRECTORY

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June 2014 VETERANS OPPORTUNITY | 6

On October 10, 2005 Cleveland Brothers acquired Beckwith Machinery Company. In addition Cleveland Brothers also ac-quired One Call Rentals, a network of Cat Rental Stores in Western Pennsyl-vania and Northern West Virginia. One Call Rentals handles Caterpillar com-pact construction equipment and allied equipment such as air compressors and aerial lifts.

The transition allowed the Cleveland Brothers family of companies to serve 59 Pennsylvania counties in an area that stretches from the Northeast corner of the state throughout all of Central and Western Pennsylvania. Included in this new territory are 17 counties in Northern West Virginia and 2 in Western Mary-land.

Every action the company takes, every decision it makes, is evaluated in terms of the impact on its customers and how they will profit. From the very beginning, Cleveland Brothers has known that for

it to be successful, its customers must succeed. This philosophy has guided the company for over fifty years and placing the customer first will continue to be our focus wanted to see how returning vet-erans were “Our People Make the Dif-ference” being integrated back into the community

For Employment Contact: Dave Greenawalt, Recruiter 4565 William Penn Hwy. Murrysville, PA 15668 (866) 551-4602

■ ■ VetConnections.org

Launched by the Morgantown, West Vir-ginia Chamber of Commerce, President Ken Busz explained in a recent interview with Veterans Opportunity Magazine, that the web based nonprofit began with a visit of then Chairman of the Joint Chief of Staff almost 3 years ago, to

Morgantown. “He wanted to see how veterans make it easier on veterans to find the services and pro-grams that are available to them. Consequently, VetConnection came out of that. According Cham-ber President, Ken Busz, “It has as its root a website that has many of the pro-grams we can locate that veterans and families can take advantage of to help them...if nothing else -it has raised the conscious level of people in this commu-nity to the plight of veterans that they (may not) realize just what a veteran’s they might not know about otherwise.”

VETERAN’S OPPORTUNITY NETWORK: INTERACTIVE PROFILE DIRECTORY

Page 12: Manufacturing Opportunity Profile Directory

Veterans Opportunity | 11Enterprise RoundtableBusiness Enterprise Roundtable

Four Things to Know Before Applying for a LoanWe have all heard the phrase “Cash is King,” and small business owners know that better than anyone. At some point or

another, many small business owners need to apply for financing to keep the cash flowing, hire new employees, expand inventory, and grow the business. Below are four key things you should know before applying for a loan.

Prepare, Prepare, Prepare!

Preparation is key when applying for a loan, and organized preparation is even better. This means that your business plan should be updated, your financial statements should be in order, and you should be able to verify all of the information that you give to your lender. Remember that box of saved business receipts? A lender will expect this information to be organized in a spreadsheet or software, like QuickBooks, to help you better manage your business finances. This preparation will go a long way toward showing that you can manage the lender’s money well, too.

Know How Much YouWant to Borrow

This may seem obvious, but you would be surprised to learn that many small business owners haven’t figured out how much money they really need to borrow. It is very important to know exactly how much you need, what it will be used for, and how you plan to pay it back. No lender wants to hear “I’ll take as much as you can give me.” Your loan request should make sense based on your business history, projections, your specific needs, and the amount of personal investment you have in the business.

Know the Process

Every lending institution has a process for making loans and asking questions up front sets reasonable expectations and shows your lender that you care. You should have a good understanding of the documents you need to submit, the expected timeline, and the different levels of approval. Also, don’t be surprised if your lender has additional questions for you after you submit your complete application. This is typically part of the process, and while it does not guarantee a loan approval, it does keep the process moving.

Remember – Less Isn’t More When Applying for a Loan

Less isn’t more – more is more. When it comes to getting a loan, the more information you provide about your business, the better. Your lender will need the full story and as much background as possible to make a good decision. Remember that your lender is on your side and wants to give you a loan if possible. But checks and balances are important for everyone. Providing your lender with more information will result in a faster decision-making process for both of you.

Bridgeway Capital, located in Pittsburgh, Pa., provides financing and education opportunities to ignite growth across western Pennsylvania. A nonprofit founded in 1990, Bridgeway Capital serves 15 counties and manages $54 million. Since inception it has placed more than 760 loans, injecting $84 million in capital directly into the region, and creating or preserving over 5,000 jobs. With a blend of entrepreneurial vision, regional knowledge and operational expertise, Bridgeway Capital helps make western Pennsylvania a thriving region for all. For more information, call 412-201-2450 or visit our website at www.bridgewaycapital.org.

1 2 3 4

For Small Business Owners:

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Find us on:

Supporting those who have served in the Armed Forces of the United States and their families. VetConnection is a West Virginia

based, non-profit group whose primary mission

is to ensure that returning veterans and their

families are treated with respect and assisted in

building a new life in our community. Our goal is to

connect returning veterans and/or their families

with the appropriate resources that are needed

to provide continuing healthcare, education and

employment opportunities.

VetConnection.org