Photo of Betty Yee with city of San Francisco in background. The great seal of the state of California.

FINANCIAL MANAGEMENT FOR WOMEN

This toolkit was developed as a resource to assist women of all ages, backgrounds, and financial means equip themselves with the tools to make their money work for them.

FROM THE BUSINESS IDEA TO THE BUSINESS PLAN

Organizations that can assist with starting a business.

Alameda County Small Business Development Center
Provides tools and expertise to business owners interested in accelerating the success of their ventures.
http://acsbdc.org/

Association for Enterprise Opportunity
A services national trade association for micro enterprise that may be able to direct you to a local micro enterprise development agency.
www.microenterpriseworks.org

U.S. Small Business Administration Office of Entrepreneurial Development
Provides a number of financial assistance programs for small businesses.
www.sba.gov

Business Development Center
Provides business support services to aspiring and existing small business owners in West Contra Costa County. Services include one-on-one business consulting, sales and marketing assistance, loan packaging, help obtaining permits and licenses, and general start-up support.
www.wccbdc.org

CEO Women
Provides women with intensive mentoring, coaching, and access to capital needed to start a business.
www.ceowomen.org

EntreWorld
Provides resources covering many topics of interest to entrepreneurs, including starting and growing a business, and supporting entrepreneurship.
www.eventuring.org/eShip/appmanager/eVenturing/eVenturingDesktop

San Francisco Mayor's Economic Development Office, Small Business Advisory Commission
Provides information on marketing, financing, and city regulations; also has a business expansion loan program.
www.sfgov.org

San Francisco Renaissance Entrepreneurship Center
Provides one-on-one consultations and workshops to start-up businesses owned by women or minorities; also offers assistance with loan applications, business plans, and office space.
www.rencenter.org

The Women's Alliance
A national organization of independent community-based members who provide professional attire and career skills training to low-income women and families seeking self-sufficiency.
www.thewomensalliance.org

Women's Initiative for Self Employment
Provides high-potential, lower-income women with the training, resources and on-going support to start and grow their business.
www.womensinitiative.org

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HOW TO FINANCE YOUR BUSINESS

Financial assistance for businesses.

Association for Enterprise Opportunity
A services national trade association for micro enterprise that may be able to direct you to a local micro enterprise development agency.
www.microenterpriseworks.org

CEO Women
Provides women with intensive mentoring, coaching, and access to capital needed to start a business.
www.ceowomen.org

Department of Housing and Urban Development (HUD)
Provides information about available tax benefits for business that are starting, expanding, or relocating in HUD Empowerment Zones.
www.hud.gov

Entre World
Provides resources covering many topics of interest to entrepreneurs, including starting and growing a business, and supporting entrepreneurship.
www.eventuring.org/eShip/appmanager/eVenturing/eVenturingDesktop

My Own Business: A Free Internet Course on Starting a Business
Provides a 12-session course that is intended for both start-up and already operating businesses. The site is fully interactive with audio sound bytes, quizzes, feedback, and a tool to create a business plan.
www.myownbusiness.org

TMC Development Working Solutions
Serving start-up and existing businesses throughout the nine San Francisco Bay Area Counties, TMC is a nonprofit organization that provides underserved micro entrepreneurs with access to capital and resources needed to start or grow a business.
www.tmcworkingsolutions.org

U.S. Small Business Administration
Provides a number of financial assistance programs for small businesses.
www.sba.gov/services/financialassistance

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FEDERAL, STATE, AND LOCAL GOVERNMENT RESOURCES

Federal, state, and local government offices that can assist you in meeting the various tax licensing and permit requirements and more.

FEDERAL

Internal Revenue Service
For employer identification number and for withholding and payroll tax forms to report the income of your business, you may obtain a Federal ID number over the telephone with federal form number SS4 by calling 209-452-4010.
www.irs.gov or 800-829-1040

Small Business Administration
Information on loans, counseling, and training.
www.sba.gov or 800-U-ASK-SBA

Patents and Trademarks Library of Congress
Register your works online.
www.copyright.gov or (703) 557-5813

Import/Export U.S. Department of Commerce, International Trade
Provides access to ITA information on promoting trade and investment, strengthening the competitiveness of U.S. industry, and ensuring fair trade and compliance with trade laws and agreements; export licenses.
www.ita.doc.gov or 800-USA-TRADE

STATE

CalGold
Offers direct Internet links and contact information to state, local, regional, and federal permitting authorities.
www.calgold.ca.gov

California Tax Service Center
Sponsored by the California Fed State Partnership. Our partnership of tax agencies includes Board of Equalization, Employment Development Department, Franchise Tax Board, and Internal Revenue Service.
www.taxes.ca.gov

Franchise Tax Board (FTB)
State income tax and business entity information.
www.ftb.ca.gov or 800-852-5711

Board of Equalization (BOE)
Sellers permit application, sales and use taxes, special taxes and fees, and property tax administration.
www.boe.ca.gov or 800-400-7115

Employment Development Department (EDD)
State payroll tax services and information.
www.edd.ca.gov or 888-745-3886

Secretary of State
Registering corporations and nonprofit organizations.
www.ss.ca.gov or (415) 557-7047

State of California E-Center
One-stop business development web site.
http://business.ca.gov/

Alcoholic Beverage Control (ABC)
Find information about alcoholic beverage licensing and fees.
www.abc.ca.gov

Department of Consumers Affairs
Licensing in more than 200 business and professional categories such as the medical and financial professions.
www.dca.ca.gov or 800-952-5210

California Public Utilities Commission
Licensing for limousines, shuttles, etc.
www.cpuc.ca.gov/puc or (415) 703-2063

Department of Social Services
Licensing for non medical community-care business, child care, and senior home care.
www.dss.cahwnet.gov/cdssweb/default.htm

LOCAL

City Business License Tax Office
Visit the website of the local government in which the business is located for information about local taxes, business licenses and permits, and wage ordinance. Find your local city business license tax office.

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REPORTING AND PAYING TAXES, AND RECORDKEEPING

Government resources that can assist businesses meet their requirements.

U.S. Internal Revenue Service (IRS)
Federal income and payroll taxes specifically business and self employed taxpayers.
www.irs.gov/businesses/small or 800-829-4933

Franchise Tax Board (FTB)
State income tax by business entity type.
www.ftb.ca.gov or 800-852-5711

Board of Equalization (BOE)
Sellers permit application, sales and use taxes, special taxes and fees, and property tax administration.
www.boe.ca.gov or 800-400-7115

Employment Development Department (EDD)
State payroll tax services and information about employees compared to independent contractors.
www.edd.ca.gov or 888-745-3886

California Tax Service Center
Sponsored by the California Federal State Partnership, the partnership of tax agencies includes the Internal Revenue Service, Board of Equalization, Employment Development Department, Franchise Tax Board, and Internal Revenue Service.
www.taxes.ca.gov

California Business Portal
Provides state and federal resources for starting a business, getting a license or permit, registering as an employer, paying taxes online, and more.
http://www.business.ca.gov/Home.aspx

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LOCAL ASSISTANCE

Board of Equalization (BOE)
Local BOE offices serving the cities of San Francisco, Oakland, San Jose, Salinas, Suisun City, Santa Rosa, Eureka and surrounding areas.

Chamber of Commerce
BOE 1st District Chamber of Commerce: Websites
BOE 1st District Ethnic Chambers of Commerce: Websites

Service Corps of Retired Executives (SCORE)/Small Business Development Centers (SBDC)
BOE 1st District SBDC and SCORE: Websites

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PERSONAL FINANCIAL ASSISTANCE RESOURCES

Information for first time homebuyers and for those interested in establishing and maintaining good credit.

HOMEOWNERSHIP PROGRAMS

U.S. Department of Housing and Urban Development (HUD)
Provides programs to increase homeownership, support community developments and increase access to affordable housing.
www.hud.gov/buying

California Department of Housing and Community Development (HCD)
Administers more than 20 programs that award loans and grants for the construction, acquisition, rehabilitation and preservation of affordable rental and ownership housing, homeless shelters and transitional housing, public facilities and infrastructure, and the development of jobs for lower income workers.
www.hcd.ca.gov

California Housing Finance Agency (CalHFA)
Supports the needs of renters and first-time homebuyers by providing financing and programs that create safe, decent, and affordable housing opportunities for individuals within specified income ranges.
www.calhfa.ca.gov

Community Housing Development Corporation of North Richmond
Provides permanent and affordable housing in North Richmond, primarily for current and former residents of the community.
www.chdcnr.com

Mission Economic Development agency (MEDA)
Provides low- and- moderate-income first-time homebuyers with relevant financial education, credit counseling, and information on mortgage assistance programs.
www.medasf.org.

CREDITWORTHINESS

Consumer Credit Counseling
Provides comprehensive financial counseling and education; helps consumers achieve financial independence through debt reduction, homeownership, and improved money management skills.
www.cccssf.org

National Foundation of Credit Counseling
Provides free and low-cost help from a trained, certified counselor who will assist you in determining the best options to meet your individual needs.
www.nfcc.org

CREDIT AGENCIES

To Opt Out of Receiving Pre-Approved Offers of Credit
1-888-5-Opt-Out (1-888-567-8688)

Free Annual Credit Report
www.Annualcreditreport.com or 1-877-322-8228

Equifax
To Report Fraud: 1-800-525-6285
To Order Credit Report: 1-800-685-1111
P.O. Box 105851 Atlanta, GA 30348
www.equifax.com

Experian
To Report Fraud: 1-888-397-3742
To Order Credit Report: 1-888-397-3742
P.O. Box 2104 Allen, TX 75013
www.experian.com

Trans Union
To Report Fraud: 1-800-680-7289
P.O. Box 6790 Fullerton, CA 92834
To Order Credit Report: 1-800-888-4213
P.O. Box 1000 Chester, PA 19022
www.transunion.com

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ADDITIONAL RESOURCES

American Business Women's Association
Provides opportunities for business women of diverse occupations and brings them together to grow through leadership, education, networking support and national recognition.
www.abwa.org

Asian, Inc.
Provides marketing, research, and procurement assistance to Asian American small businesses. www.asianinc.org

Community Development Venture Capital Alliance
Promotes use of venture capital tools to create jobs, entrepreneurial capacity, and wealth to advance the livelihood of low-income people and the economies of distressed communities.
www.cdvca.org

International Entrepreneur Association
Provides useful tools and promotes creativity necessary to start and operate a successful organization or venture.
www.theiea.org

National Association of Women Business Owners
Represents interests of women entrepreneurs in all types of businesses, propelling women entrepreneurs into economic, social, and political spheres of power worldwide.
www.nawbo.org

National Black Business Council, Inc.
Serves as a catalyst and advocate for the creation and development of black-owned businesses serving domestic and global markets.
www.nbbc.org

National Foundation for Women Business Owners
Provides information and statistics on women business owners and their businesses.
www.nfwbo.org

Women's Business Enterprise National Council
Removes barriers in the market place that impede the progress and growth of women-owned and managed businesses.
www.wbenc.org

Women's Initiative for Self Employment
A Bay Area non-profit that provides high-potential, lower-income women with the training, resources and on-going support to start and grow their business.
www.womensinitiative.org

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KEY CONTACTS

To assist with the various requirements for operating a business in California, Resources to Assist California Businesses has been prepared for your reference.

Toolkits