CINXE.COM
Manage your finances | U.S. Small Business Administration
<!DOCTYPE html> <html lang="en" dir="ltr" prefix="og: https://ogp.me/ns#"> <head> <meta charset="utf-8" /> <link rel="canonical" href="https://www.sba.gov/business-guide/manage-your-business/manage-your-finances" /> <meta property="og:image" content="https://www.sba.gov/themes/custom/sba/dist/img/social/SBASEOImage.jpg" /> <meta property="og:image:alt" content="Small Business Administration logo" /> <meta name="twitter:card" content="summary" /> <meta name="twitter:site" content="@SBAgov" /> <meta name="twitter:title" content="Manage your finances" /> <meta name="twitter:image:alt" content="Small Business Administration logo" /> <meta name="twitter:image" content="https://www.sba.gov/themes/custom/sba/dist/img/social/SBASEOImage.jpg" /> <meta name="google-site-verification" content="Zli_zEgK3XdnsafTS3DT6KSqhuPIb9ID9HzIW6lHAkQ" /> <meta name="Generator" content="Drupal 10 (https://www.drupal.org)" /> <meta name="MobileOptimized" content="width" /> <meta name="HandheldFriendly" content="true" /> <meta name="viewport" content="width=device-width, initial-scale=1.0" /> <link rel="icon" href="/themes/custom/sba/favicon.ico" type="image/vnd.microsoft.icon" /> <link rel="alternate" hreflang="en" href="https://www.sba.gov/business-guide/manage-your-business/manage-your-finances" /> <link rel="alternate" hreflang="es" href="https://www.sba.gov/es/guia-de-negocios/administre-su-empresa/administre-sus-finanzas" /> <title>Manage your finances | U.S. Small Business Administration</title> <link rel="stylesheet" media="all" href="/sites/default/files/css/css_KzI-6cOHCN8dGVJxuxwUA_XIUvcuSBAa98fGO4AqTQQ.css?delta=0&language=en&theme=sba&include=eJxFyEEOgCAMBMAPEXjTIo2gCE3XRv29J-Mcp7exq5tOSuotG-wJfHjKkTIogRnJeRWGZZqkYq7oERvuoDCsBq38-p_oQz33xirlBZZlJtU" /> <link rel="stylesheet" media="all" href="/sites/default/files/css/css_39ocjIkk2u2yKB0SOVxtU5tmRmcS9glSfdTzb2YqRJI.css?delta=1&language=en&theme=sba&include=eJxFyEEOgCAMBMAPEXjTIo2gCE3XRv29J-Mcp7exq5tOSuotG-wJfHjKkTIogRnJeRWGZZqkYq7oERvuoDCsBq38-p_oQz33xirlBZZlJtU" /> <script type="application/json" data-drupal-selector="drupal-settings-json">{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/8645","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"gtm":{"tagId":null,"settings":{"data_layer":"dataLayer","include_classes":false,"allowlist_classes":"","blocklist_classes":"","include_environment":false,"environment_id":"","environment_token":""},"tagIds":["GTM-MSNZZ6M"]},"gtag":{"tagId":"","consentMode":false,"otherIds":[],"events":[],"additionalConfigInfo":[]},"ajaxPageState":{"libraries":"eJxVi1kOAyEMQy_EcqRRGDIhLRBEoMvtW6Gq7XzYlp9lEqGM2wDy9DZD5-7gAo8zLCZzvbbZmyh6rjxMlcEH7zBY6lZQFQj9P3SRtbCqadCBOrSkPvbZILsfcbO2GTJrwmg0gE8cUW3GY1S42SKBM66hZdgxSY7Y7fdvI4ZJa3_LTr1HtQPC5zNkX7m40acOLD6A4gu8cWOH","theme":"sba","theme_token":null},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"linkpurpose":{"domain":"*.sba.gov, https:\/\/www.sba.gov","ignore":"#toolbar-administration a, .usa-footer__social-links a, .sba-document__download a, .document-teaser__content a, .person-link a, .sba-document__translated-file a","purposeDocumentMessage":"Link downloads document","purposeDocumentIconType":"html","purposeDocumentIconPosition":"beforeend","purposeDownloadMessage":"Link downloads file","purposeDownloadIconType":"html","purposeDownloadIconPosition":"beforeend","purposeApp":true,"purposeAppMessage":"Link opens app","purposeAppIconType":"html","purposeAppIconPosition":"beforeend","purposeExternal":true,"purposeExternalNoReferrer":true,"purposeExternalNewWindow":true,"purposeExternalMessage":"Link is external","purposeExternalIconType":"html","purposeExternalIconPosition":"beforeend","purposeMail":true,"purposeMailMessage":"Link sends email","purposeMailIconType":"html","purposeMailIconPosition":"beforeend","purposeTel":true,"purposeTelMessage":"Link opens phone app","purposeTelIconType":"html","purposeTelIconPosition":"beforeend","purposeNewWindow":true,"purposeNewWindowMessage":"Link opens in new window","purposeNewWindowIconType":"html","purposeNewWindowIconPosition":"beforeend","css_url":"\/modules\/contrib\/linkpurpose"},"user":{"uid":0,"permissionsHash":"f7be44e9fad5d4b5a2c7f1b1b89c7d80d19a0f9e578ba53342cf58e236de8d38"}}</script> <script src="/sites/default/files/js/js_ket3GnSPKpCERln1Qw_qudr-bWPKsd88pv0w5bE1CUg.js?scope=header&delta=0&language=en&theme=sba&include=eJxdTFsSwiAMvFApR-osJU2jQBiSqsfX4Uv92NnnbJF279foahSliS-WEC97ZpuqF-x0ask0QscAD_QzZEoXz_6DMNfBkQotrMqFNgdH9vprwf9-xQ2v-eO6Tz4lk4VChzc8QtUkn9OmLofscNG2VTIDU_wO1yxWxewNjPNOuA"></script> <script src="/modules/contrib/google_tag/js/gtm.js?snesiz"></script> <script src="/modules/contrib/google_tag/js/gtag.js?snesiz"></script> <script src="/sites/default/files/js/js_rzUSY4wSEKoj02Rixzzn7C9-SajpP3KM8q0KWBu7jzM.js?scope=header&delta=3&language=en&theme=sba&include=eJxdTFsSwiAMvFApR-osJU2jQBiSqsfX4Uv92NnnbJF279foahSliS-WEC97ZpuqF-x0ask0QscAD_QzZEoXz_6DMNfBkQotrMqFNgdH9vprwf9-xQ2v-eO6Tz4lk4VChzc8QtUkn9OmLofscNG2VTIDU_wO1yxWxewNjPNOuA"></script> <link rel="preload" href="/themes/custom/sba/dist/uswds/fonts/source-sans-pro/sourcesanspro-regular-webfont.woff2" as="font" type="font/woff2" crossorigin> <link rel="preload" href="/themes/custom/sba/dist/uswds/fonts/source-sans-pro/sourcesanspro-semibold-webfont.woff2" as="font" type="font/woff2" crossorigin> <noscript><link rel="stylesheet" href="/themes/custom/sba/dist/uswds/css/noscript.css?snesiz" /> </noscript> </head> <body> <a href="#main-content" class="usa-skipnav"> Skip to main content </a> <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-MSNZZ6M" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript> <div class="dialog-off-canvas-main-canvas" data-off-canvas-main-canvas> <section class="usa-banner" aria-label="Official website of the United States government"> <div class="usa-accordion"> <header class="usa-banner__header"> <div class="usa-banner__inner"> <div class="grid-col-auto"> <img class="usa-banner__header-flag" src="/themes/custom/sba/dist/uswds/img/us_flag_small.png" alt="" width="16" height="11" /> </div> <div class="grid-col-fill tablet:grid-col-auto" aria-hidden="true"> <p class="usa-banner__header-text"> An official website of the United States government </p> <p class="usa-banner__header-action"> Here’s how you know </p> </div> <button class="usa-accordion__button usa-banner__button" aria-expanded="false" aria-controls="gov-banner-default" > <span class="usa-banner__button-text">Here’s how you know</span> </button> </div> </header> <div class="usa-banner__content usa-accordion__content" id="gov-banner-default"> <div class="grid-row grid-gap-lg"> <div class="usa-banner__guidance tablet:grid-col-6"> <img class="usa-banner__icon usa-media-block__img" src="/themes/custom/sba/dist/uswds/img/icon-dot-gov.svg" role="img" alt="" aria-hidden="true" /> <div class="usa-media-block__body"> <p> <strong> Official websites use .gov </strong> <br /> A <strong>.gov</strong> website belongs to an official government organization in the United States. </p> </div> </div> <div class="usa-banner__guidance tablet:grid-col-6"> <img class="usa-banner__icon usa-media-block__img" src="/themes/custom/sba/dist/uswds/img/icon-https.svg" role="img" alt="" aria-hidden="true" /> <div class="usa-media-block__body"> <p> <strong> Secure .gov websites use HTTPS </strong> <br /> A <strong>lock</strong> ( <span class="icon-lock" ><svg xmlns="http://www.w3.org/2000/svg" width="52" height="64" viewBox="0 0 52 64" class="usa-banner__lock-image" role="img" aria-labelledby="banner-lock-description-default" focusable="false" > <title id="banner-lock-title-default">Lock</title> <desc id="banner-lock-description-default">Locked padlock</desc> <path fill="#000000" fill-rule="evenodd" d="M26 0c10.493 0 19 8.507 19 19v9h3a4 4 0 0 1 4 4v28a4 4 0 0 1-4 4H4a4 4 0 0 1-4-4V32a4 4 0 0 1 4-4h3v-9C7 8.507 15.507 0 26 0zm0 8c-5.979 0-10.843 4.77-10.996 10.712L15 19v9h22v-9c0-6.075-4.925-11-11-11z" /></svg ></span> ) or <strong>https://</strong> means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. </p> </div> </div> </div> </div> </div> </section> <div class="usa-overlay"></div> <header class="usa-header usa-header--extended usa-header--extended-megamenu" id="header"> <div class="usa-banner-inner"> <div> <div id="block-notificationmessages" class="block block-notification-message"> <div aria-live="polite" class="visually-hidden" id="notification-message-aria-announcement"></div> <div class="notification-messages"> <section class="usa-site-alert usa-site-alert--info" aria-label="Site alert,"> <div class="usa-alert message--type-global" data-message-id="3"> <div class="usa-alert__body"> <h3 class="usa-alert__heading"> <div class="field__item" data-test="fieldItem">Hurricanes Helene and Milton</div> </h3> <div class="usa-prose field__item" data-test="fieldItem"><p>Need help? <a href="https://www.sba.gov/disaster">Learn about SBA disaster assistance.</a></p> </div> </div> </div> </section> </div> </div> </div> </div> <div class="usa-navbar" data-test="usaNavBar"> <div class="usa-logo site-logo" id="logo"> <a href="https://www.sba.gov/"> <picture> <source srcset="/themes/custom/sba/dist/img/logo-icon.svg" width="73" height="56" media="(max-width: 400px)" /> <img src="/themes/custom/sba/dist/img/logo-horizontal.svg" alt="SBA Home" width="206" height="56"> </picture> </a> </div> <a href="/business-guide/manage-your-business/manage-your-finances" class="language-link sba-language-switcher usa-button is-active" lang="en" hreflang="en" data-drupal-link-system-path="node/8645" aria-current="page">English</a><a href="/es/guia-de-negocios/administre-su-empresa/administre-sus-finanzas" class="language-link sba-language-switcher usa-button" lang="es" hreflang="es" data-drupal-link-system-path="node/8645">Español</a> <button class="usa-menu-btn sba-menu-btn" data-test="menuButton"> <span class="visually-hidden"> Menu </span> <span class="sba-menu-btn__icon"> <span></span> <span></span> <span></span> </span> </button> </div> <nav aria-labelledby="primary-navigation-title" class="usa-nav"> <h2 id="primary-navigation-title" class="visually-hidden">Primary Navigation</h2> <div class="usa-nav__inner"> <button class="usa-nav__close" data-test="navCloseButton"> <img src="/themes/custom/sba/dist/uswds/img/usa-icons/close.svg" alt="close"/> </button> <ul class="usa-nav__primary usa-accordion"> <li data-test="primaryNavMenu" class="usa-nav__primary-item"> <button class="usa-accordion__button usa-nav__link usa-current" aria-expanded="false" aria-controls="extended-mega-nav-section-1"> <span>Business Guide</span> </button> <div id="extended-mega-nav-section-1" class="usa-nav__submenu usa-megamenu" hidden=""> <div class="menu-level-1"> <div class="usa-nav__submenu-item usa-nav__submenu-item--level-1"> <a href="/business-guide" class="usa-nav__link usa-nav__link--level-1" data-drupal-link-system-path="node/4075"> <span>Explore our business guide</span> </a> </div> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-2"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/business-guide/10-steps-start-your-business" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/4061"> <span>10 steps to start your business</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/business-guide/plan-your-business" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/8876"> <span>Plan your business</span> </a> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-3"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/plan-your-business/market-research-competitive-analysis" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8630"> <span>Market research and competitive analysis</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/plan-your-business/write-your-business-plan" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8656"> <span>Write your business plan</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/plan-your-business/calculate-your-startup-costs" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8632"> <span>Calculate your startup costs</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/plan-your-business/establish-business-credit" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8842"> <span>Establish business credit</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/plan-your-business/fund-your-business" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8633"> <span>Fund your business</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/plan-your-business/buy-existing-business-or-franchise" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8642"> <span>Buy an existing business or franchise</span> </a> </li> </ul> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/business-guide/launch-your-business" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/8889"> <span>Launch your business</span> </a> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-3"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/launch-your-business/pick-your-business-location" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8631"> <span>Pick your business location</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/launch-your-business/choose-business-structure" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8640"> <span>Choose a business structure</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/launch-your-business/choose-your-business-name" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8628"> <span>Choose your business name</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/launch-your-business/register-your-business" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8634"> <span>Register your business</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/launch-your-business/get-federal-state-tax-id-numbers" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8636"> <span>Get federal and state tax ID numbers</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/launch-your-business/apply-licenses-permits" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8646"> <span>Apply for licenses and permits</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/launch-your-business/open-business-bank-account" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8635"> <span>Open a business bank account</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/launch-your-business/get-business-insurance" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8641"> <span>Get business insurance</span> </a> </li> </ul> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/business-guide/manage-your-business" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/8921"> <span>Manage your business</span> </a> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-3"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/manage-your-business/manage-your-finances" class="usa-nav__link usa-nav__link--level-3 usa-current is-active" data-drupal-link-system-path="node/8645" aria-current="page"> <span>Manage your finances</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/manage-your-business/hire-manage-employees" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8647"> <span>Hire and manage employees</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/manage-your-business/pay-taxes" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8629"> <span>Pay taxes</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/manage-your-business/stay-legally-compliant" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8638"> <span>Stay legally compliant</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/manage-your-business/buy-assets-equipment" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8639"> <span>Buy assets and equipment</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/manage-your-business/marketing-sales" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8649"> <span>Marketing and sales</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/manage-your-business/ai-small-business" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/53489"> <span>AI for small business</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/manage-your-business/strengthen-your-cybersecurity" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8748"> <span>Strengthen your cybersecurity</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/manage-your-business/prepare-emergencies" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8650"> <span>Prepare for emergencies</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/manage-your-business/recover-disasters" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8826"> <span>Recover from disasters</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/manage-your-business/close-or-sell-your-business" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8648"> <span>Close or sell your business</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/manage-your-business/hire-employees-disabilities" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8866"> <span>Hire employees with disabilities</span> </a> </li> </ul> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/business-guide/grow-your-business" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/9166"> <span>Grow your business</span> </a> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-3"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/grow-your-business/get-more-funding" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8644"> <span>Get more funding</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/grow-your-business/expand-new-locations" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8637"> <span>Expand to new locations</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/grow-your-business/merge-acquire-businesses" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8643"> <span>Merge and acquire businesses</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/grow-your-business/become-federal-contractor" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8653"> <span>Become a federal contractor</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/grow-your-business/export-products" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8655"> <span>Export products</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/grow-your-business/women-owned-businesses" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8654"> <span>Women-owned businesses</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/grow-your-business/native-american-owned-businesses" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8652"> <span>Native American-owned businesses</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/grow-your-business/veteran-owned-businesses" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8651"> <span>Veteran-owned businesses</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/grow-your-business/military-spouse-businesses" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/30577"> <span>Military spouse businesses</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/grow-your-business/lgbtq-owned-businesses" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8701"> <span>LGBTQ-owned businesses</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/grow-your-business/rural-businesses" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8800"> <span>Rural businesses</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/business-guide/grow-your-business/minority-owned-businesses" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8814"> <span>Minority-owned businesses</span> </a> </li> </ul> </li> </ul> </div> </div> </li> <li data-test="primaryNavMenu" class="usa-nav__primary-item"> <button class="usa-accordion__button usa-nav__link " aria-expanded="false" aria-controls="extended-mega-nav-section-2"> <span>Funding Programs</span> </button> <div id="extended-mega-nav-section-2" class="usa-nav__submenu usa-megamenu" hidden=""> <div class="menu-level-1"> <div class="usa-nav__submenu-item usa-nav__submenu-item--level-1"> <a href="/funding-programs" class="usa-nav__link usa-nav__link--level-1" data-drupal-link-system-path="node/4140"> <span>Find funding programs</span> </a> </div> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-2"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/funding-programs/loans" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/9131"> <span>Loans</span> </a> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-3"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/funding-programs/loans/make-payment-sba" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8840"> <span>Make a payment to SBA</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/funding-programs/loans/7a-loans" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8846"> <span>7(a) loans</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/funding-programs/loans/504-loans" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8847"> <span>504 loans</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/funding-programs/loans/microloans" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8848"> <span>Microloans</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/funding-programs/loans/lender-match-connects-you-lenders" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8976"> <span>Lender Match</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/funding-programs/loans/covid-19-relief-options" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/9165"> <span>COVID-19 relief options</span> </a> </li> </ul> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/funding-programs/investment-capital" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/8978"> <span>Investment capital</span> </a> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-3"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/funding-programs/investment-capital/sbic-directory" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/24095"> <span>SBIC directory</span> </a> </li> </ul> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/funding-programs/disaster-assistance" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/9232"> <span>Disaster assistance</span> </a> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-3"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/funding-programs/disaster-assistance/physical-damage-loans" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8801"> <span>Physical damage loans</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/funding-programs/disaster-assistance/mitigation-assistance" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8803"> <span>Mitigation assistance</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/funding-programs/disaster-assistance/economic-injury-disaster-loans" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8802"> <span>Economic Injury Disaster Loans</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/funding-programs/disaster-assistance/military-reservist-loan" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8804"> <span>Military reservist loan</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/funding-programs/disaster-assistance/hurricane-helene" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/56479"> <span>Hurricane Helene</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/funding-programs/disaster-assistance/hurricane-milton" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/57018"> <span>Hurricane Milton</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/funding-programs/disaster-assistance/recovery-center-locations" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/57219"> <span>Recovery Center locations</span> </a> </li> </ul> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/funding-programs/surety-bonds" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/9053"> <span>Surety bonds</span> </a> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-3"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/funding-programs/surety-bonds/surety-bond-agency-directory" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/24096"> <span>Surety bond agency directory</span> </a> </li> </ul> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/funding-programs/grants" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/9256"> <span>Grants</span> </a> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-3"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/funding-programs/grants/state-trade-expansion-program-step" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/9258"> <span>State Trade Expansion Program (STEP)</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/funding-programs/grants/grants-community-organizations" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8722"> <span>Grants for community organizations</span> </a> </li> </ul> </li> </ul> </div> </div> </li> <li data-test="primaryNavMenu" class="usa-nav__primary-item"> <button class="usa-accordion__button usa-nav__link " aria-expanded="false" aria-controls="extended-mega-nav-section-3"> <span>Federal Contracting</span> </button> <div id="extended-mega-nav-section-3" class="usa-nav__submenu usa-megamenu" hidden=""> <div class="menu-level-1"> <div class="usa-nav__submenu-item usa-nav__submenu-item--level-1"> <a href="/federal-contracting" class="usa-nav__link usa-nav__link--level-1" data-drupal-link-system-path="node/4146"> <span>Learn about federal contracting</span> </a> </div> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-2"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/federal-contracting/contracting-guide" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/9496"> <span>Contracting guide</span> </a> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-3"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/federal-contracting/contracting-guide/assess-your-business" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8673"> <span>Assess your business</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/federal-contracting/contracting-guide/basic-requirements" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8676"> <span>Basic requirements</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/federal-contracting/contracting-guide/how-win-contracts" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8684"> <span>How to win contracts</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/federal-contracting/contracting-guide/types-contracts" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8677"> <span>Types of contracts</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/federal-contracting/contracting-guide/size-standards" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8680"> <span>Size standards</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/federal-contracting/contracting-guide/governing-rules-responsibilities" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8678"> <span>Governing rules and responsibilities</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/federal-contracting/contracting-guide/prime-subcontracting" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8692"> <span>Prime and subcontracting</span> </a> </li> </ul> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/federal-contracting/contracting-assistance-programs" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/9373"> <span>Contracting assistance programs</span> </a> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-3"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/federal-contracting/contracting-assistance-programs/small-disadvantaged-business" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8825"> <span>Small Disadvantaged Business</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/federal-contracting/contracting-assistance-programs/women-owned-small-business-federal-contract-program" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8681"> <span>Women-Owned Small Business Federal Contract program</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/federal-contracting/contracting-assistance-programs/veteran-contracting-assistance-programs" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8672"> <span>Veteran contracting assistance programs</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/federal-contracting/contracting-assistance-programs/8a-business-development-program" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8682"> <span>8(a) Business Development program</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/federal-contracting/contracting-assistance-programs/sba-mentor-protege-program" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8679"> <span>SBA Mentor-Protégé program</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/federal-contracting/contracting-assistance-programs/joint-ventures" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8815"> <span>Joint ventures</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/federal-contracting/contracting-assistance-programs/hubzone-program" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8683"> <span>HUBZone program</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/federal-contracting/contracting-assistance-programs/natural-resource-sales-assistance-program" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8685"> <span>Natural Resource Sales Assistance program</span> </a> </li> </ul> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/federal-contracting/counseling-help" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/9368"> <span>Counseling and help</span> </a> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-3"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/federal-contracting/counseling-help/contracting-area-directors" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8694"> <span>Contracting area directors</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/federal-contracting/counseling-help/procurement-center-representative-directory" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8695"> <span>Procurement Center Representative directory</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/federal-contracting/counseling-help/commercial-market-representatives" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8854"> <span>Commercial Market Representatives</span> </a> </li> </ul> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/federal-contracting/contracting-data" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/58463"> <span>Contracting data</span> </a> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-3"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/federal-contracting/contracting-data/small-business-procurement-scorecard" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/58456"> <span>Small business procurement scorecard</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/federal-contracting/contracting-data/disaggregated-data" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/38831"> <span>Disaggregated data</span> </a> </li> </ul> </li> </ul> </div> </div> </li> <li data-test="primaryNavMenu" class="usa-nav__primary-item"> <button class="usa-accordion__button usa-nav__link " aria-expanded="false" aria-controls="extended-mega-nav-section-4"> <span>Learning Platform</span> </button> <div id="extended-mega-nav-section-4" class="usa-nav__submenu usa-megamenu" hidden=""> <div class="menu-level-1"> <div class="usa-nav__submenu-item usa-nav__submenu-item--level-1"> <a href="/sba-learning-platform" class="usa-nav__link usa-nav__link--level-1" data-drupal-link-system-path="node/9246"> <span>Explore our learning platform</span> </a> </div> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-2"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="https://learning.sba.gov" class="usa-nav__link usa-nav__link--level-2"> <span>MySBA Learning</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/sba-learning-platform/boots-business" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/8818"> <span>Boots to Business</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/sba-learning-platform/thrive-emerging-leaders-reimagined" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/8819"> <span>T.H.R.I.V.E. Emerging Leaders</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/sba-learning-platform/empower-grow" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/8812"> <span>Empower to Grow</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/sba-learning-platform/investing-america" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/45653"> <span>Investing in America</span> </a> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-3"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/sba-learning-platform/investing-america/home-repair-construction" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/45661"> <span>Home repair and construction</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/sba-learning-platform/investing-america/government-contracting-subcontracting" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/45657"> <span>Government contracting and sub-contracting</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/sba-learning-platform/investing-america/manufacturing" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/45655"> <span>Manufacturing</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/sba-learning-platform/investing-america/rural-and-agricultural-small-businesses" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/50031"> <span>Rural and agricultural small businesses</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/sba-learning-platform/investing-america/investing-america-featured-stories" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/45652"> <span>Investing in America featured stories</span> </a> </li> </ul> </li> </ul> </div> </div> </li> <li data-test="primaryNavMenu" class="usa-nav__primary-item"> <button class="usa-accordion__button usa-nav__link " aria-expanded="false" aria-controls="extended-mega-nav-section-5"> <span>Local Assistance</span> </button> <div id="extended-mega-nav-section-5" class="usa-nav__submenu usa-megamenu" hidden=""> <div class="menu-level-1"> <div class="usa-nav__submenu-item usa-nav__submenu-item--level-1"> <a href="/local-assistance" class="usa-nav__link usa-nav__link--level-1" data-drupal-link-system-path="node/279"> <span>Find resources in your area</span> </a> </div> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-2"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/local-assistance/resource-partners" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/9352"> <span>Resource Partners</span> </a> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-3"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/local-assistance/resource-partners/small-business-development-centers-sbdc" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8833"> <span>Small Business Development Centers (SBDC)</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/local-assistance/resource-partners/score-business-mentoring" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8834"> <span>SCORE Business Mentoring</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/local-assistance/resource-partners/veterans-business-outreach-center-vboc-program" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8836"> <span>Veterans Business Outreach Center (VBOC) program</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/local-assistance/resource-partners/womens-business-centers" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8835"> <span>Women's Business Centers</span> </a> </li> </ul> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/local-assistance/export-trade-assistance" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/9349"> <span>Export and trade assistance</span> </a> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-3"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/local-assistance/export-trade-assistance/export-finance-managers" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8830"> <span>Export Finance Managers</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/local-assistance/export-trade-assistance/us-export-assistance-centers" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8839"> <span>U.S. Export Assistance Centers</span> </a> </li> </ul> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/local-assistance/federal-contracting-assistance" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/8837"> <span>Federal contracting assistance</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/local-assistance/regional-innovation-clusters" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/8856"> <span>Regional Innovation Clusters</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/local-assistance/veterans-business-development-officers" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/8855"> <span>Veterans Business Development Officers</span> </a> </li> </ul> </div> </div> </li> <li data-test="primaryNavMenu" class="usa-nav__primary-item"> <button class="usa-accordion__button usa-nav__link " aria-expanded="false" aria-controls="extended-mega-nav-section-6"> <span>About SBA</span> </button> <div id="extended-mega-nav-section-6" class="usa-nav__submenu usa-megamenu" hidden=""> <div class="menu-level-1"> <div class="usa-nav__submenu-item usa-nav__submenu-item--level-1"> <a href="/about-sba" class="usa-nav__link usa-nav__link--level-1" data-drupal-link-system-path="node/9369"> <span>Learn about SBA</span> </a> </div> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-2"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/about-sba/sba-locations" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/9641"> <span>SBA locations</span> </a> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-3"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/sba-locations/headquarters-offices" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8970"> <span>Headquarters Offices</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/sba-locations/disaster-field-operations-centers" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8867"> <span>Disaster Offices</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/sba-locations/sba-district-offices" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8841"> <span>District Offices</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/sba-locations/loan-guaranty-centers" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/9375"> <span>Loan and Guaranty Centers</span> </a> </li> </ul> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/about-sba/open-government" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/9266"> <span>Open government</span> </a> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-3"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/open-government/foia" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8703"> <span>FOIA</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/open-government/digital-sba" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8704"> <span>Digital SBA</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/open-government/about-sbagov-website" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/9313"> <span>About the SBA.gov website</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/open-government/sba-privacy-program" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8707"> <span>SBA privacy program</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/open-government/privacy-act-request-guide" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8708"> <span>Privacy Act request guide</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/open-government/information-quality" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/9347"> <span>Information quality</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/open-government/sba-guidance" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8749"> <span>SBA guidance</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/open-government/ai-inventory" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/27208"> <span>AI inventory</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/open-government/made-america-waivers" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/27212"> <span>Made in America waivers</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/open-government/sms-terms-conditions" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/50982"> <span>SMS terms and conditions</span> </a> </li> </ul> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/about-sba/sba-newsroom" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/9239"> <span>SBA Newsroom</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/about-sba/work-sba" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/9237"> <span>Work for SBA</span> </a> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-3"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/work-sba/employee-life" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8719"> <span>Employee life</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/work-sba/jobs-sba" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8718"> <span>Jobs at SBA</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/work-sba/contracting-sba" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8717"> <span>Contracting for SBA</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/work-sba/disaster-response-jobs-sba" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8869"> <span>Disaster response jobs at SBA</span> </a> </li> </ul> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/about-sba/organization" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/9363"> <span>Organization</span> </a> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-3"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/organization/sba-leadership" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8723"> <span>SBA leadership</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/organization/contact-sba" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8724"> <span>Contact SBA</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/organization/sba-initiatives" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/9370"> <span>SBA initiatives</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/documents" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/2434"> <span>Forms and documents</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/organization/observances" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/9481"> <span>Observances</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/organization/performance" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8721"> <span>Performance</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/organization/federal-advisory-committees" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/9760"> <span>Federal advisory committees</span> </a> </li> </ul> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/about-sba/oversight-advocacy" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/9235"> <span>Oversight and advocacy</span> </a> <ul class="usa-nav__submenu-list usa-nav__submenu-list--level-3"> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/oversight-advocacy/office-hearings-appeals" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8961"> <span>Office of Hearings and Appeals</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/oversight-advocacy/office-inspector-general" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8974"> <span>Office of Inspector General</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="/about-sba/oversight-advocacy/office-national-ombudsman" class="usa-nav__link usa-nav__link--level-3" data-drupal-link-system-path="node/8726"> <span>Office of the National Ombudsman</span> </a> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item"> <a href="https://advocacy.sba.gov/" class="usa-nav__link usa-nav__link--level-3"> <span>Office of Advocacy</span> </a> </li> </ul> </li> <li data-test="primaryNavMenu" class="usa-nav__submenu-item usa-nav__submenu-item--level-2"> <a href="/about-sba/information-other-languages" class="usa-nav__link usa-nav__link--level-2" data-drupal-link-system-path="node/29511"> <span>Information in other languages</span> </a> </li> </ul> </div> </div> </li> </ul> <div class="usa-nav__secondary"> <ul class="usa-nav__secondary-links"> <li class="usa-nav__secondary-item" data-test="navSecondaryItem"> <a href="/partners"> For Partners </a> </li> <li class="usa-nav__secondary-item" data-test="navSecondaryItem"> <a href="/about-sba/sba-newsroom"> Newsroom </a> </li> <li class="usa-nav__secondary-item" data-test="navSecondaryItem"> <a href="/about-sba/organization/contact-sba"> Contact us </a> </li> <li class="usa-nav__secondary-item" data-test="navSecondaryItem"> <a href="https://www.sba.gov/about-sba/information-other-languages"> Other languages </a> </li> </ul> <section aria-label="Search component"> <form class="usa-search usa-search--small" role="search" action="/search" method="get"> <label class="usa-sr-only" for="search-field">Search</label> <input class="usa-input" id="search-field" type="search" name="query" /> <button class="usa-button" type="submit"> <img src="/themes/custom/sba/dist/uswds/img/usa-icons-bg/search--white.svg" class="usa-search__submit-icon" alt="Search" /> </button> </form> </section> </div> </div> </nav> </header> <main class="main-content usa-layout-docs usa-section padding-top-0 main-content--sidebar" data-test="mainContent"> <a id="main-content" tabindex="-1"></a> <div class="grid-container"> <div class="grid-row"> <div id="block-sba-breadcrumbs" class="block block-system block-system-breadcrumb-block"> <nav class="usa-breadcrumb" aria-labelledby="system-breadcrumb"> <h2 id="system-breadcrumb" class="usa-sr-only">Breadcrumb</h2> <ol class="usa-breadcrumb__list"> <li class="usa-breadcrumb__list-item " > <a href="/" class="usa-breadcrumb__link"> <span>Home</span> </a> </li> <li class="usa-breadcrumb__list-item " > <a href="/business-guide" class="usa-breadcrumb__link"> <span>Business Guide</span> </a> </li> <li class="usa-breadcrumb__list-item " > <a href="/business-guide/manage-your-business" class="usa-breadcrumb__link"> <span>Manage your business</span> </a> </li> <li class="usa-breadcrumb__list-item usa-current" aria-current="page"> <span>Manage your finances</span> </li> </ol> </nav> </div> </div> <div class=""> <div data-drupal-messages-fallback class="hidden"></div> </div> <div class="grid-row "> </div> <div class="sba-layout-docs sba-layout-docs--sidebar"> <div class="layout-sidebar-first"> <nav aria-labelledby="sidebar-menu-navigation"> <h2 class="visually-hidden" id="sidebar-menu-navigation">Section navigation</h2> <ul class="usa-sidenav"> <li class="usa-sidenav__item first"> <a href="/business-guide/10-steps-start-your-business"> <span>10 steps to start your business</span> </a> </li> <li class="usa-sidenav__item"> <a href="/business-guide/plan-your-business"> <span>Plan your business</span> </a> </li> <li class="usa-sidenav__item"> <a href="/business-guide/launch-your-business"> <span>Launch your business</span> </a> </li> <li class="usa-sidenav__item expanded dropdown active active-trail"> <a class="usa-current" href="/business-guide/manage-your-business"> <span>Manage your business</span> </a> <ul class="usa-sidenav__sublist"> <li class="usa-sidenav__item active active-trail first"> <a class="usa-current" href="/business-guide/manage-your-business/manage-your-finances"> <span>Manage your finances</span> </a> </li> <li class="usa-sidenav__item"> <a href="/business-guide/manage-your-business/hire-manage-employees"> <span>Hire and manage employees</span> </a> </li> <li class="usa-sidenav__item"> <a href="/business-guide/manage-your-business/pay-taxes"> <span>Pay taxes</span> </a> </li> <li class="usa-sidenav__item"> <a href="/business-guide/manage-your-business/stay-legally-compliant"> <span>Stay legally compliant</span> </a> </li> <li class="usa-sidenav__item"> <a href="/business-guide/manage-your-business/buy-assets-equipment"> <span>Buy assets and equipment</span> </a> </li> <li class="usa-sidenav__item"> <a href="/business-guide/manage-your-business/marketing-sales"> <span>Marketing and sales</span> </a> </li> <li class="usa-sidenav__item"> <a href="/business-guide/manage-your-business/ai-small-business"> <span>AI for small business</span> </a> </li> <li class="usa-sidenav__item"> <a href="/business-guide/manage-your-business/strengthen-your-cybersecurity"> <span>Strengthen your cybersecurity</span> </a> </li> <li class="usa-sidenav__item"> <a href="/business-guide/manage-your-business/prepare-emergencies"> <span>Prepare for emergencies</span> </a> </li> <li class="usa-sidenav__item"> <a href="/business-guide/manage-your-business/recover-disasters"> <span>Recover from disasters</span> </a> </li> <li class="usa-sidenav__item"> <a href="/business-guide/manage-your-business/close-or-sell-your-business"> <span>Close or sell your business</span> </a> </li> <li class="usa-sidenav__item last"> <a href="/business-guide/manage-your-business/hire-employees-disabilities"> <span>Hire employees with disabilities</span> </a> </li> </ul> </li> <li class="usa-sidenav__item last"> <a href="/business-guide/grow-your-business"> <span>Grow your business</span> </a> </li> </ul> </nav> </div> <div class="usa-layout-docs__main"> <h1 data-test="title" > <span>Manage your finances</span> </h1> <div id="block-sba-content" class="block block-system block-system-main-block"> <article class="basic-page"> <div> <div class="basic-page__summary" data-test="pageSummary"> Accounting for revenue and expenses can help keep your business running smoothly. Make sure you maintain proper bookkeeping and have a basic knowledge of business finances. </div> <div class="sba-toc sba-standard-margin-spacing"> <hr class="sba-toc__divider-first sba-standard-margin-spacing" role="presentation"> <h2 id="sba-toc-heading" class="sba-toc__heading js-toc-ignore">Content</h2> <nav id="sba-toc__nav" aria-labelledby="sba-toc-heading" class="sba_toc__nav sba-standard-margin-spacing"></nav> <hr role="presentation"> </div> <div class="sba-section-headings"> <h2 class="sba-section-headings" id="start-with-a-balance-sheet"> Start with a balance sheet</h2> </div> <div class="paragraph paragraph--type--text-section paragraph--view-mode--default sba-standard-margin-spacing"> <div class="usa-prose field__item" data-test="fieldItem"><p>The balance sheet is the foundation of managing your finances. It operates as a snapshot of your business financials. It helps you keep track of your capital and provide a cash flow projection for future years.</p> <p>A <a href="https://www.score.org/resource/balance-sheet-template">balance sheet</a> will help you account for costs like employees and supplies. It will also help you track <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="49ea064b-f586-46f1-9095-1a6d50087059" href="/business-guide/manage-your-business/buy-assets-equipment" title="Buy assets and equipment">assets, liabilities, and equity</a>. You can get insights by separating and analyzing segments of your business, like comparing online sales to face-to-face sales.</p> </div> </div> <div class="sba-section-headings"> <h3 class="sba-section-headings" id="cost-benefit-analysis-cba"> Cost-benefit analysis (CBA)</h3> </div> <div class="paragraph paragraph--type--text-section paragraph--view-mode--default sba-standard-margin-spacing"> <div class="usa-prose field__item" data-test="fieldItem"><p>Looking closely at money-in and money-out helps maintain a sustainable balance between profit and loss. From development and operations to recurring and nonrecurring costs, it’s important to categorize expenses in your balance sheet. Then, you can use a cost-benefit analysis, or a process that helps weigh the strengths and weaknesses of a business decision, and put potential recurring benefits and cost reductions in context.</p> <p>A CBA is a technique for making non-critical choices in a relatively quick and easy way. It simply involves adding money in benefits and money in costs over a specified time period, before subtracting costs from benefits to determine success in terms of dollars. This can come in handy with <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="29fe280f-fd24-4d29-ac3e-10a12458711c" href="/business-guide/manage-your-business/hire-manage-employees" title="Hire and manage employees">hiring another employee</a> or an independent contractor.</p> <p>For example, let’s say you’re deciding whether to add outdoor seating for your sausage themed restaurant, Haute Dog. You estimate outdoor seating would add $5,000 in extra profit from sales each year. But, the outdoor seating permit costs $1,000 each year, and you’d also have to spend $2,000 to buy outdoor tables and chairs. Your cost-benefit analysis shows that you should add outdoor seating, because the new benefits ($5,000 in new sales) outweigh the new costs ($3,000 in permitting and equipment expenses).</p> </div> </div> <div class="sba-section-headings"> <h2 class="sba-section-headings" id="pick-a-method-of-accounting"> Pick a method of accounting</h2> </div> <div class="paragraph paragraph--type--text-section paragraph--view-mode--default sba-standard-margin-spacing"> <div class="usa-prose field__item" data-test="fieldItem"><p>Businesses often use either the accrual or cash methods of recording purchases. The accrual method puts transactions on the books immediately upon completing the sale. The cash method only records this once payment has been received.</p> <p>For example, if you make a sale in January and receive the $200 payment in February, an accrual method would allow you to record that on January’s books, while the cash method would require that payment to land on February’s books.</p> <table> <thead> <tr> <th>Method</th> <th>Pros</th> <th>Cons</th> </tr> </thead> <tbody> <tr> <td>Accrual</td> <td> <p>Creates immediate snapshot.</p> <p>Can reduce tax burden.</p> </td> <td> <p>More complex to manage.</p> <p>Potentially deceiving figures.</p> </td> </tr> <tr> <td>Cash</td> <td> <p>Shows cash flow clearly.</p> <p>Easier to understand.</p> </td> <td> <p>Limits predictive value.</p> <p>Less long-term clarity.</p> </td> </tr> </tbody> </table> <p> </p> </div> </div> <div class="sba-section-headings"> <h3 class="sba-section-headings" id="gaap"> GAAP</h3> </div> <div class="paragraph paragraph--type--text-section paragraph--view-mode--default sba-standard-margin-spacing"> <div class="usa-prose field__item" data-test="fieldItem"><p>There are many strategies for preparing financial statements for a small business. Generally accepted accounting principles, known as GAAP or “Gap,” provides a common a way to standardize financial reporting using the accrual method. Private companies aren’t required to follow GAAP. The <a href="https://www.fasb.org/">Financial Accounting Standards Board (FASB)</a> maintains GAAP in the United States.</p> </div> </div> <div class="sba-section-headings"> <h2 class="sba-section-headings" id="get-accounting-help"> Get accounting help</h2> </div> <div class="paragraph paragraph--type--text-section paragraph--view-mode--default sba-standard-margin-spacing"> <div class="usa-prose field__item" data-test="fieldItem"><p>You might want to get help with your accounting. Consider hiring a certified public accountant (CPA), bookkeeper, or using an online service.</p> <p>A CPA will typically cost more than online services, but can normally offer more tailored service for your specific business needs. A bookkeeper can provide basic day-to-day functions at a lower cost, but won’t possess the formal accounting education of a CPA.</p> <p>Ensure that someone can manage the following:</p> <ul> <li>Accounts receivable</li> <li>Accounts payable</li> <li>Available cash</li> <li>Bank reconciliation</li> <li><a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="29fe280f-fd24-4d29-ac3e-10a12458711c" href="/business-guide/manage-your-business/hire-manage-employees" title="Hire and manage employees">Payroll</a></li> </ul> </div> </div> <section id="block-counselormatchcta" class="sba-call-to-action sba-standard-margin-spacing padding-y-0" style="background-color:#ffffff"> <div class="sba-call-to-action__inner"> <div class="sba-call-to-action__content left dark short"> <h3>Need help? Get free business counseling</h3> <div class="sba-call-to-action__links"> <a href="/local-assistance" class="usa-button">Find counselors</a> </div> </div> </div> </section> </div> <footer class="basic-page__footer"> Last updated May 22, 2023 </footer> </article> </div> </div> </div> </div> </main> <footer class="usa-footer usa-footer--big "> <div class="grid-container usa-footer__return-to-top"> <a href="#">Return to top</a> </div> <div> <div class="usa-footer__primary-section"> <div class="grid-container"> <div class="grid-row grid-gap"> <div class="tablet:grid-col-8"> <nav class="usa-footer__nav" aria-labelledby="footer-menu-navigation"> <h3 class="visually-hidden" id="footer-menu-navigation">Footer navigation</h3> <div class="grid-row grid-gap-4"> <div class="mobile-lg:grid-col-6 desktop:grid-col-3"> <section class="usa-footer__primary-content usa-footer__primary-content--collapsible" data-test="footerCol"> <div class="usa-footer__primary-link">About SBA</div> <ul class="usa-list usa-list--unstyled"> <li class="usa-footer__secondary-link"> <a href="/about-sba/organization/contact-sba" data-drupal-link-system-path="node/8724">Contact SBA</a> </li> <li class="usa-footer__secondary-link"> <a href="/about-sba/sba-locations" data-drupal-link-system-path="node/9641">Locations</a> </li> <li class="usa-footer__secondary-link"> <a href="/events" data-drupal-link-system-path="node/83">Upcoming events</a> </li> <li class="usa-footer__secondary-link"> <a href="/about-sba/sba-newsroom" data-drupal-link-system-path="node/9239">Newsroom</a> </li> <li class="usa-footer__secondary-link"> <a href="/blog" data-drupal-link-system-path="node/209">SBA blog</a> </li> <li class="usa-footer__secondary-link"> <a href="/about-sba/organization/sba-leadership" data-drupal-link-system-path="node/8723">Leadership team</a> </li> </ul> </ul> </section> </div> <div class="mobile-lg:grid-col-6 desktop:grid-col-3"> <section class="usa-footer__primary-content usa-footer__primary-content--collapsible" data-test="footerCol"> <div class="usa-footer__primary-link">About the site</div> <ul class="usa-list usa-list--unstyled"> <li class="usa-footer__secondary-link"> <a href="/sitemap" data-drupal-link-system-path="node/24745">Site map</a> </li> <li class="usa-footer__secondary-link"> <a href="/about-sba/open-government/about-sbagov-website/privacy-policy" data-drupal-link-system-path="node/8713">Privacy policy</a> </li> <li class="usa-footer__secondary-link"> <a href="/about-sba/open-government/about-sbagov-website/linking-policy" data-drupal-link-system-path="node/8711">Linking policy</a> </li> <li class="usa-footer__secondary-link"> <a href="/about-sba/open-government/information-quality/plain-language" data-drupal-link-system-path="node/8715">Plain language</a> </li> <li class="usa-footer__secondary-link"> <a href="/about-sba/open-government/about-sbagov-website/accessibility" data-drupal-link-system-path="node/8712">Accessibility</a> </li> <li class="usa-footer__secondary-link"> <a href="/about-sba/open-government/about-sbagov-website/disclaimer" data-drupal-link-system-path="node/8714">Disclaimers</a> </li> </ul> </ul> </section> </div> <div class="mobile-lg:grid-col-6 desktop:grid-col-3"> <section class="usa-footer__primary-content usa-footer__primary-content--collapsible" data-test="footerCol"> <div class="usa-footer__primary-link">Open government</div> <ul class="usa-list usa-list--unstyled"> <li class="usa-footer__secondary-link"> <a href="/about-sba/open-government/foia" data-drupal-link-system-path="node/8703">Freedom of Information Act</a> </li> <li class="usa-footer__secondary-link"> <a href="/about-sba/open-government/about-sbagov-website/no-fear-act" data-drupal-link-system-path="node/8710">No Fear Act</a> </li> <li class="usa-footer__secondary-link"> <a href="https://data.sba.gov">Open data sources</a> </li> <li class="usa-footer__secondary-link"> <a href="/about-sba/open-government/sba-guidance" data-drupal-link-system-path="node/8749">Policies and guidance</a> </li> <li class="usa-footer__secondary-link"> <a href="/about-sba/organization/performance" data-drupal-link-system-path="node/8721">Budget and performance</a> </li> <li class="usa-footer__secondary-link"> <a href="https://www.regulations.gov/">Regulations.gov</a> </li> </ul> </ul> </section> </div> <div class="mobile-lg:grid-col-6 desktop:grid-col-3"> <section class="usa-footer__primary-content usa-footer__primary-content--collapsible" data-test="footerCol"> <div class="usa-footer__primary-link">Oversight</div> <ul class="usa-list usa-list--unstyled"> <li class="usa-footer__secondary-link"> <a href="/about-sba/oversight-advocacy/office-inspector-general" data-drupal-link-system-path="node/8974">Inspector General</a> </li> <li class="usa-footer__secondary-link"> <a href="https://advocacy.sba.gov">Advocacy</a> </li> <li class="usa-footer__secondary-link"> <a href="/about-sba/oversight-advocacy/office-hearings-appeals" data-drupal-link-system-path="node/8961">Hearings and appeals</a> </li> <li class="usa-footer__secondary-link"> <a href="/about-sba/oversight-advocacy/office-national-ombudsman" data-drupal-link-system-path="node/8726">Ombudsman</a> </li> <li class="usa-footer__secondary-link"> <a href="/funding-programs/loans/covid-19-relief-options/preventing-fraud-identity-theft" data-drupal-link-system-path="node/8820">Fraud and identity theft</a> </li> <li class="usa-footer__secondary-link"> <a href="https://www.whitehouse.gov/">WhiteHouse.gov</a> </li> <li class="usa-footer__secondary-link"> <a href="https://www.usa.gov/es/">USA.gov</a> </li> </ul> </ul> </section> </div> </div> </nav> </div> <div class="tablet:grid-col-4"> <div class="footer-sign-up"> <h3 class="usa-sign-up__heading footer-sign-up__heading">Sign up</h3> <p class="footer-sign-up__description">Receive information about upcoming SBA events, news alerts, and program updates.</p> <p class="footer-sign-up__required"> <span class="asterisk">*</span> indicates a required field </p> <div class="sba-district__news-form usa-form block block-sbagov-district block-govdeliverysignupfooterblock" novalidate="novalidate" data-drupal-selector="govdelivery-signup-footer-form"> <form action="/business-guide/manage-your-business/manage-your-finances" method="post" id="govdelivery-signup-footer-form" accept-charset="UTF-8" class="usa-form usa-form--large" novalidate="true"> <div class="form-item js-form-item form-type-email js-form-type-email form-item-email js-form-item-email"> <label for="edit-email" class="usa-input-required usa-label control-label js-form-required form-required is-required">Email</label> <input class="usa-input form-email required" data-drupal-selector="edit-email" type="email" id="edit-email" name="email" value="" size="30" maxlength="254" required="required" aria-required="true" /> </div> <div class="form-item js-form-item form-type-textfield js-form-type-textfield form-item-zipcode js-form-item-zipcode"> <label for="edit-zipcode" class="usa-input-required usa-label control-label js-form-required form-required is-required">ZIP Code</label> <input class="usa-input form-text required" data-drupal-selector="edit-zipcode" type="text" id="edit-zipcode" name="zipcode" value="" size="5" maxlength="5" required="required" aria-required="true" /> </div> <input data-drupal-selector="edit-submit" type="submit" id="edit-submit" name="op" value="Subscribe to SBA emails" class="button button--primary js-form-submit form-submit usa-button" /><input data-drupal-selector="form-yz-9m43sco6jsyiaarghhzsrobjl9n6bhtqwsmaw7y0" type="hidden" name="form_build_id" value="form-Yz_9M43ScO6JsYiAARghHzSrobjL9N6BhtqWSmAw7y0" class="usa-input" /><input data-drupal-selector="edit-govdelivery-signup-footer-form" type="hidden" name="form_id" value="govdelivery_signup_footer_form" class="usa-input" /> </form> </div> <p> Your information will only be used in accordance with our <a href="https://www.sba.gov/about-sba/open-government/about-sbagov-website/privacy-policy">website privacy policy</a>.</p> </div> </div> </div> </div> </div> </div> <div class="usa-footer__secondary-section"> <div class="grid-container"> <div class="sba-footer-grid grid-row grid-gap"> <div class="usa-footer__logo grid-row mobile-lg:grid-col-6 mobile-lg:grid-gap-2"> <div class="mobile-lg:grid-col-auto"> <img class="usa-footer__logo-img" src="/themes/custom/sba/dist/img/sba-logo.svg" alt="" loading="lazy" width="80" height="80" /> </div> <address class="mobile-lg:grid-col-auto usa-footer__address"> <div class="usa-footer__contact-info grid-row grid-gap"> <div class="grid-col-auto"> <div id="block-sbafooteraddress" class="block block-sbagov-footer-address block-id-sbafooteraddress"> <p><strong>U.S. Small Business Administration</strong><br>409 3rd St., SW<br>Washington, DC 20416<br><a href="tel:800-827-5722">800-827-5722</a></p> </div> </div> </div> </address> </div> <div class="usa-footer__contact-links mobile-lg:grid-col-6"> <div class="usa-footer__social-links grid-row grid-gap-1"> <div class="grid-col-auto"> <a class="usa-social-link" href="https://facebook.com/SBAgov" data-test="footerSocialLink"> <img class="usa-social-link__icon" src="/themes/custom/sba/dist/img/sba-icons/facebook.svg" alt="SBA-Facebook" loading="lazy" width="40" height="40"/> </a> </div> <div class="grid-col-auto"> <a class="usa-social-link" href="https://twitter.com/sbagov" data-test="footerSocialLink"> <img class="usa-social-link__icon" src="/themes/custom/sba/dist/img/sba-icons/xlogo.svg" alt="SBA-X" loading="lazy" width="40" height="40"/> </a> </div> <div class="grid-col-auto"> <a class="usa-social-link" href="https://www.youtube.com/sbagov" data-test="footerSocialLink"> <img class="usa-social-link__icon" src="/themes/custom/sba/dist/img/sba-icons/youtube.svg" alt="SBA-YouTube" loading="lazy" width="40" height="40"/> </a> </div> <div class="grid-col-auto"> <a class="usa-social-link" href="https://linkedin.com/company/us-small-business-administration" data-test="footerSocialLink"> <img class="usa-social-link__icon" src="/themes/custom/sba/dist/img/sba-icons/linkedin.svg" alt="SBA-Linkedin" loading="lazy" width="40" height="40"/> </a> </div> <div class="grid-col-auto"> <a class="usa-social-link" href="https://instagram.com/sbagov" data-test="footerSocialLink"> <img class="usa-social-link__icon" src="/themes/custom/sba/dist/img/sba-icons/instagram.svg" alt="SBA-Instagram" loading="lazy" width="40" height="40"/> </a> </div> </div> </div> </div> </div> </div> </footer> </div> <script src="/sites/default/files/js/js_FAcSqlSrsG_Ui26yX0QGwksxP3A-uq-TDq_3Bk3fxqo.js?scope=footer&delta=0&language=en&theme=sba&include=eJxdTFsSwiAMvFApR-osJU2jQBiSqsfX4Uv92NnnbJF279foahSliS-WEC97ZpuqF-x0ask0QscAD_QzZEoXz_6DMNfBkQotrMqFNgdH9vprwf9-xQ2v-eO6Tz4lk4VChzc8QtUkn9OmLofscNG2VTIDU_wO1yxWxewNjPNOuA"></script> </body> </html>