SCOOP Resources

The San Diego County Water Authority’s Small Contractor Outreach and Opportunity Program (SCOOP) is providing the below information to the small business community as a listing of resources for obtaining assistance and guidance on topics including bonding, credit repair, financing, loans, and insurance. SCOOP is not able to endorse or validate the information contained on the below external websites.

Bonding Resources

Resource
Organization  Website
Surety Information Office
The Surety Information Office (SIO) is the information source on contract surety bonds in public and private construction. SIO offers complimentary brochures and CDs and can provide speakers, write articles, and answer questions on contract surety bonds.
National Association of Surety Bond Producers (NASBP) and The Surety & Fidelity Association of America (SFAA) More Information
SBA Surety Bond Guarantee Program
The U.S. Small Business Administration’s (SBA) Surety Bond Guarantee (SBG) program can guarantee bid, performance and payment bonds for individual contracts of $2 million or less for small and emerging contractors who cannot obtain surety bonds through regular commercial channels.
 U.S. Small Business Administration More Information
Surety Bonds Explained
A website resource that explains surety bonds and describes the three type of surety bonds typically required for public works contracting.
 U.S. Small Business Administration More Information

 

Insurance Resources

 Resource                                                                    Organization   Website
SBA Insurance Resources
A website resource that explains business insurance, types of business insurance, tips for buying insurance, and insurance requirements for businesses with employees.
U.S. Small Business Administration More information
Insure U for Small Business
A website resource with helpful information, tips and considerations about insurance for owners of small companies and home-based businesses.
National Association of Insurance Commissioners (NAIC) More Information

 

Financing and Loan Resources

Resource Organization Website
Accion
ACCION San Diego is a non-profit organization striving to bring economic opportunity to small business owners in San Diego County. By providing small business loans and support to entrepreneurs who lack access to traditional forms of credit, our goal is to help them create their dreams, provide for their families and contribute to their communities.
Accion San Diego More Information
CDC Small Business Finance
CDC Small Business Finance is committed to helping small businesses grow throughout California, Arizona and Nevada. In over 30 years CDC has provided more than $8 billion in SBA-504 loans and other funding, resulting in more than 100,000 jobs.
CDC Small Business Finance More Information
SBA Loan Programs
SBA offers a variety of loan programs for small businesses.  The eligibility requirements may differ for each loan program.  Learn more by visiting the SBA’s website.
U.S. Small Business Administration More Information
City of San Diego Small Business Loans
The San Diego Regional Revolving Loan Fund (SDRRLF) and Small Business Micro Revolving Loan Fund (SBMRLF) offer financial assistance to small to mid-size business owners with expanding businesses that require capital, but are unable to meet the terms of traditional banks. The Revolving Loan funds can supplement private financing of new or rehabilitated buildings, fixed machinery and equipment, working capital and soft costs.
City of San Diego Business Finance More Information
Small Business Development Center – National City
The Small Business Development Center (SBDC) provides technical assistance to clients seeking business loans. This can include help filling out a loan application or assistance reviewing a business plan or financial projections.
Small Business Development Center – National City More Information
Small Business Development Center – North County
The Small Business Development Center in Oceanside provides technical assistance to clients seeking business loans. This can include help filling out a loan application or assistance reviewing a business plan or financial projections.
Mira Costa College More Information
SCORE
SCORE counselors provide free and confidential business counseling to both prospective entrepreneurs and existing small business owners throughout San Diego County.  The organization also provides technical assistance to clients seeking business loans.
 SCORE More Information

 

Credit Repair Resources

Resource Organization Website
Credit Repair Counseling
The Small Business Development Center in National City offers no-cost counseling services on the topic of credit repair.
Small Business Development Center – National City More Information
Credit Repair: How to Help Yourself
A website resource that explains what you need to know regarding credit reporting and steps you can take to repair your credit.
Federal Trade Commission More Information
Springboard
Springboard is a non-profit consumer credit management organization formed in 1974 by local business leaders and credit grantors. Their mission is to offer education on the wise use of credit and to serve as an alternative to bankruptcy. They also offer free one-on-one credit counseling.
Springboard Nonprofit Consumer Credit Management More Information
Money Management International
MMI offers free credit and budget counseling to those who need help with budgeting, money management skills, and credit issues. You and your personal credit counselor will work together to assess your current financial situation, develop a realistic spending plan, establish achievable financial goals, and create a personal action plan for success.
Money Management International (formerly Consumer Credit Counseling Service) More Information