Free one-on-one business advising and low-cost training through a nationwide network hosted at universities and colleges.
In plain terms: This tool helps you locate nearby centers that offer personalized business advising and training. You can work with advisors to develop business plans, manage finances, and access capital to start or grow your company.
Free advising with real financial help — find your local center and book an appointment.
SBDCs offer professional, individualized advising and training for anyone starting or growing a business. Use the site to locate your nearest regional center and get help with planning, operations, and capital access.
Key programs
Small Business Development Centers (SBDC)
Provides free business advising, technical assistance, and training to pre-venture entrepreneurs and existing small businesses looking to expand.
Free business training, counseling, and mentoring for veterans, service-disabled veterans, National Guard and Reserve members, and military spouses.
In plain terms: This program offers small business support for veterans, service members, and military spouses. You can connect with a local center to attend workshops, get one-on-one counseling, and receive help writing a business plan.
Why I recommend it: Military spouses qualify too — a lot of people miss that.
The primary federal agency supporting small businesses through counseling, training, capital access, and government contracting assistance.
In plain terms: This federal website helps you start, fund, and grow a small business. You can explore loan options, find local counseling and training, and get certified for government contracting opportunities.
Why I recommend it: Start here for the official rules, then use SCORE or an SBDC for a human to walk you through them.
Comprehensive national guide covering counseling, training, capital, contracting, disaster assistance, and business advocacy resources, with local editions available.
Why I recommend it: Download your state's edition — the local contact list in the back is the useful part.
SBA-funded centers providing training and counseling to women entrepreneurs, with special focus on those who are socially or economically disadvantaged.
In plain terms: This tool helps you find local, government-supported centers that assist women entrepreneurs. You can reach out to a nearby center to get business counseling, training, mentoring, and funding advice to start or expand a business.
Why I recommend it: If you're a woman starting out, this is often the warmest first door.
Plain-language rundown of which insurance types a small business actually needs — general liability, workers' comp, property, and more.
In plain terms: This government guide explains the different types of insurance coverage small businesses need to protect their assets. Use it to learn how policies like general liability and workers' compensation work so you can choose the right coverage for your startup.
Why I recommend it: Start here before you buy anything from a broker. Knowing the four basic policy types keeps you from being upsold.
Sole proprietor, LLC, S corp, or partnership — what each means for taxes, liability, and paperwork.
In plain terms: This guide explains the differences between business structures like sole proprietorships, LLCs, and corporations. You can compare how each option affects your taxes, personal liability, and paperwork before you register your business.
Why I recommend it: Read this before paying a service to form an entity for you. Many owners need less than they are sold.
How to find the federal, state, and local licenses your business type needs, including industry-specific permits.
In plain terms: This government guide outlines the basic legal and operational steps needed to launch a small business. You can use it to research local regulations, choose a business structure, and identify the licenses and permits you need.
Why I recommend it: Local rules trip people up more than federal ones. Check your city and county pages too.
Step-by-step guide to hiring your first employee: EIN, state registration, payroll taxes, and required posters.
In plain terms: This government guide outlines the basic legal and financial steps for hiring workers. You can use it to set up payroll, complete required tax forms, and follow federal and state employment laws.
Why I recommend it: Your first hire is a paperwork event as much as a people event. This is the checklist.
Build a lender-ready business plan section by section, for free.
In plain terms: This free government guide helps you research, structure, and write a business plan from start to finish. You can use downloadable templates and federal market data to calculate startup costs and create a plan for lenders.
From the site: Plan to make your great idea into a great small business using SBA’s data and trend resources, business plan templates and startup cost calculator. Market research and competitive analysis Write your business plan Calculate your startup costs Establish business credit Fund your business Buy an existing business or fra…
Why I recommend it: If you want a loan or a grant, you need this document. Start rough, refine later.
