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Small Business Resources

Who said there’s no such thing as free advice?! San Francisco hosts a wealth of resources and organizations that offer free services to help you achieve your vision and increase your odds of long-term business success.

African American Chamber of Commerce
1006 Webster St
The San Francisco African American Chamber of Commerce (SFAACC) is one of California’s most influential minority business organizations, representing and promoting African American business owners in San Francisco. Through advocacy and economic development, SFAACC is creating a firm economic base that supports the self-determination and survival of African American businesses. SFAACC is a non-profit 501c6 corporation.

Bar Association of San Francisco
301 Battery Street
Since 1946 The Bar Association of San Francisco’s award winning non-profit Lawyer Referral and Information Service (LRIS) has provided the public with referrals to qualified, experienced attorneys. Our multilingual legal interviewers carefully and thoughtfully screen each inquiry to determine the best avenue for the client. In addition to providing referrals in over 100 areas of the law, the LRIS makes referrals to over 250 community, government, and social service agencies. Small businesses can gain assistance with a wide variety of matters including: ADA Compliance, Contracts, Intellectual Property Rights, and Labor Relations. A thirty-minute consultation with an attorney is just $35 (waived for Personal Injury and Worker’s Compensation matters). Call or click to connect with us: (415) 989-1616 or Mediation, arbitration, and fee dispute services are excellent options for businesses as well.

OBDC Small Business Finance
One Market, Spear Tower, Suite 3603
Since 1979 we have empowered small business owners in the Bay Area, beginning in Oakland and expanding to serve the nine Bay Area counties. Through our core services we help small businesses EXPAND in size, INCREASE their profits, and REACH their goals. We are honored to work with successful, innovative, and community-oriented entrepreneurs. We believe in the power of entrepreneurship to transform lives and communities. In the last 10 years we closed 500 loans that totaled more than $29,000,000. Our borrowers have created thousands of new jobs in the Bay Area.

Business Matchingmaking
Business Matchingmaking is celebrating its 10th year of producing no cost events for small business enabling them to pursue procurement opportunities with government agencies and major corporations. They produce regional events as well as the U.S. Government’s Leading All-agency Annual Procurement conference. To date they have facilitated more than $8 billion dollars in contract awards for small business.

Contract Monitoring Division
30 Van Ness, Suite 200
The Contract Monitoring Division (CMD) implements and enforces the Chapter 12B Equal Benefits Ordinance and the Chapter 14B Local Business Enterprise Ordinance adopted by the Board of Supervisors to protect the public interest in equality throughout the City of San Francisco’s governmental contracting process. In order to provide the highest level of public service, the CMD is committed to providing expert assistance to businesses and City departments to ensure this is accomplished fairly, effectively and efficiently.

Covered CA
Millions of Californians will be able to choose affordable, high-quality health insurance coverage offered through Covered California™ that will take effect January 2014. Covered California is a new, easy-to-use marketplace where you and your family may get financial assistance to make coverage more affordable and where you will be able to compare and choose health coverage that best fits your needs and budget. By law, your coverage can’t be dropped or denied even if you have a pre-existing medical condition or get sick.

Department of Emergency Management
30 Van Ness Ave, Suite 3300
The San Francisco Department of Emergency Management (DEM) is responsible for 911 Dispatch, the Emergency Medical Services system, and the myriad of activities involved in preparing for, responding to and recovering from disasters. DEM works with dozens of city and county agencies in the response to and recovery from major emergencies – planning, training, and exercising with them beforehand and coordinating their efforts in the aftermath. The department also partners with and works to support the efforts of community agencies and organizations that have a role in San Francisco’s resilience. Our City’s ability to bounce back from emergencies or disasters depends upon San Francisco businesses, non-profit organizations, congregations, and community-based organizations. DEM works closely with these communities to help ensure their capacity to participate in our rapid and effective recovery.

Department of the Environment
1455 Market Street, Suite 1200
The San Francisco Department of the Environment has many offerings for the small business community. Services range from helping to comply with city ordinances, offering incentives for energy efficiency improvements, and even providing a Green Business seal to those who go above and beyond.  Our programs help businesses with hands-on support, so it’s easy to make the right choice for both your business and our environment. Visit us at our booth at Flavors of San Francisco or at

Department of Public Works
1 Dr. Carlton B. Goodlett Place
City Hall, Room 348
The Department of Public Works is a world-class public works organization that contributes to making San Francisco a beautiful, livable, vibrant, safe and sustainable city. DPW enhances the quality of life in San Francisco by providing outstanding public service.

Entertainment Commission
City Hall, Room 453, 1 Dr. Carlton B. Goodlett Place
A seven member Commission established in 2003, the Entertainment Commission has the powers and duties to accept, review, gather information regarding and conduct hearings for entertainment-related permit applications. Additionally, the Entertainment Commission plans and coordinates the provision of City services for major events for which there is no recognized organizer, promoter, or sponsor.

Golden Gate Business Association
1841 Market Street, 3rd Floor
For over 35 years the Golden Gate Business Association has grown, promoted and increased the visibility of San Francisco Bay Area LGBT businesses and those businesses in the community that support them. With over 30 educational programs and networking events per year, as well as targeted promotion, the GGBA empowers its members to thrive in business. Visit the GGBA website for more information and a full calendar of events.

Golden Gate Restaurant Association
220 Montgomery Street, Suite 990
The Golden Gate Restaurant Association (GGRA) is a non-profit trade association founded in 1936.GGRA’s mission is to celebrate and empower the restaurant community through advocacy, education, marketing, events and training. The GGRA exists to advocate for restaurants’ unique interests. We do that within the corridors of City Hall and through education and training programs to make sure our members are apprised of evolving legislation and stay in compliance. We celebrate and showcase our members through great annual events like Eat Drink SF and SF Restaurant week. Our member community includes restaurants of all sizes and profiles and we have a valuable network of resources to support them through all stages of growth.

Governor’s Office of Business and Economic Development (GoBiz)
The Governor’s Office of Business and Economic Development (GO-Biz) was created by Governor Edmund G. Brown Jr. to serve as California’s single point of contact for economic development and job creation efforts. GO-Biz offers a range of services to business owners including: attraction, retention and expansion services, site selection, permit streamlining, clearing of regulatory hurdles, small business assistance, international trade development, assistance with state government, and much more.

Hispanic Chambers of Commerce of San Francisco
3597 Mission Street
The Hispanic Chambers of Commerce of San Francisco (HCCSF) is an umbrella organization merging the efforts of four small ethnic chambers in the Bay Area. The Nicaraguan-American, Central-American, Guatemalan-American and Latin American & Caribbean chambers united in order to solidify their Hispanic branding, and to provide advocacy, representation, referrals, promotion and better access to capital and services to their members. We empower every Hispanic/Latino small business owner and our membership by providing seminars, workshops, marketing, networking, legislative information and procurement opportunities to our membership. HCCSF stands for promoting business and preserving the traditions of the Hispanic/Latino community.

Inner City Advisors
283 4th Street, Suite 101, Oakland

Through education, professional advising, and investment in small business owners, ICA and Fund Good Jobs improve communities by providing good local jobs to people with high barriers to employment.

JobsNOW! – Human Services Agency
3120 Mission Street
The JobsNOW! Wage Subsidy program provides work opportunities to low-income San Franciscans while offering employers a $5000 wage reimbursement for all new hires of qualified participants.  Employers are reimbursed a maximum of $1000 per month in wage costs, not to exceed $5000 total reimbursement.

Kiva is an international non profit that helps under served, financially excluded, and socially impacful entrepreneurs start or grow their business.   In 2011 they started a US program called Kiva Zip that is focused on the needs of entrepreneurs domestically.  They offer 0% interest loans up to $5,000 that are crowd funded online.  For more information please visit or contact Justin Renfro at

La Cocina
2948 Folsom Street
415.824.2729 x 303
La Cocina provides commercial kitchen space and technical assistance to low-income entrepreneurs who are launching, growing and formalizing their food businesses.

Legal Services for Entrepreneurs, Lawyers’ Committee for Civil Rights 
131 Steuart St., Suite 400, 94105
415.543.9444 ext. 217
Legal Services for Entrepreneurs (LSE) is an economic development project of the Lawyers’ Committee for Civil Rights. LSE provides free legal assistance to low-income individuals who want to start or develop for-profit businesses; and for-profit businesses committed to investing in economically distressed communities.

Mission Economic Development Agency (MEDA)
2301 Mission Street, Suite 301
(415) 282-3334 ext.101

Rooted in the Mission and focused on San Francisco, MEDA’s mission is to strengthen low- and moderate-income Latino families by promoting economic equity and social justice through asset building and community development.

Northeast Community Federal Credit Union
683 Clay Street
Targets low-income and unbanked individuals with their banking needs. One-stop services ranging from registering the Company to writing business plans and applying for loans.

Office of Contract Administration (OCA)
City Hall, Room 430, 1 Dr. Carlton B. Goodlett Place
The Office of Contract Administration/Purchasing of the City and County of San Francisco supports the procurement of the material, equipment, and services that are essential to providing governmental services for the citizens of San Francisco. The contracting and procurement services that Purchasing provides, support the operations of the City departments who provide services to the public.

Office of Economic and Workforce Development
City Hall, Room 448, 1 Dr. Carlton B. Goodlett Place
OEWD supports the ongoing economic vitality of San Francisco. Under the direction of Mayor Ed Lee, OEWD provides city-wide leadership for workforce development, business attraction and retention, neighborhood commercial revitalization, international business and development planning. OEWD’s programs are responsible for strengthening San Francisco’s many diverse neighborhoods and commercial corridors, creating a business climate where companies can grow and prosper and ensuring a continually high quality of life for all San Franciscans.

Office of Financial Empowerment
CurrenC SF is a new direct deposit initiative from the San Francisco Office of Financial Empowerment. We are working with businesses throughout the City to promote widespread participation in direct deposit. By increasing direct deposit enrollment among your employees, you can cut costs related to the printing, processing, and distribution of paper paychecks, and make your business more productive. You will also provide safe financial access to working families, and reduce reliance on check cashers and other fringe financial services. And moving to direct deposit helps to reduce waste and pollution. Simply put, direct deposit is the best way to pay your employees – and we can help! CurrenC SF provides everything you need to increase direct deposit enrollment, including an employer toolkit, marketing materials, guides to payroll products and services, and more:

Office of Labor Standards Enforcement (OLSE)
City Hall, Room 430, 1 Dr. Carlton B. Goodlett Place
The Office of Labor Standards Enforcement (OLSE) enforces labor laws adopted by the San Francisco Board of Supervisors and by San Francisco voters. OLSE ensures that public works contractors comply with prevailing wage regulations, enforces the Minimum Compensation Ordinance and Health Care Accountability Ordinance, and administers the City’s Sweatfree Contracting Ordinance. OLSE also enforces labor laws of general application, including the SF Minimum Wage Ordinance, Paid Sick Leave Ordinance and Health Care Security Ordinance.

Office of Small Business
City Hall, Room 110, 1 Dr. Carlton B. Goodlett Place
The Small Business Commission and Office of Small Business function as the City’s central point of information and assistance to small businesses in San Francisco.  The office provides direct services through customized one-on-one assistance, collaborations with other City agencies and referrals to various small business resources.  By championing “business friendly” policies, the Small Business Commission and its Office of Small Business work to support and enhance an environment where small businesses can succeed and flourish.

OBDC Small Business Finance
One Market, Spear Tower, Suite 3528
Since 1979, we have empowered small business owners in the Bay Area, beginning in Oakland and expanding to serve San Francisco and veteran-owned businesses in California. Through our core services of business advising and loans up to $250,000 to new and existing businesses, we help small businesses expand in size, increase their profits, and reach their goals. We are honored to work with successful, innovative, and community-oriented entrepreneurs. We believe in the power of entrepreneurship to transform lives and communities. In the last 10 years we’ve made 600 loans that totaled more than $41,000,000. Our borrowers have created thousands of new local jobs.

Opportunity Fund Northern California
100 Bush Street, Suite 1550 – 94104
Opportunity Fund advances the economic well-being of working people by helping them earn, save, and invest in their future.  Opportunity Fund provides Small Business Loans, IDA Savings, and Community Real Estate services.

Pacific Community Ventures
51 Federal Street, Suite 402
Pacific Community Ventures creates economic prosperity in low income communities. We achieve this mission through impact investing, entrepreneurship and thought leadership. PCV’s provides the only high quality, custom and affordable small business mentoring program offered in the country and is available small business owners in the San Francisco Bay Area.

Renaissance Entrepreneurship Center
275 Fifth Street
Renaissance provides comprehensive small business training and support services which include small business training classes on the introductory, business planning, and advanced levels, an onsite small business incubator, skill building and industry specific workshops, loan packaging, access to capital, and one on one consulting. Renaissance is also the San Francisco’s US Small Business Administration’s Women Business Center.

San Francisco Business Portal
The San Francisco Business Portal is the primary online resource for starting, running, and growing a business in our City. With comprehensive information and tailored tools, the portal helps you navigate the process and quickly learn what it takes to be compliant.

San Francisco Chamber of Commerce
235 Montgomery Street
The San Francisco Chamber of Commerce is the largest and most inclusive business membership organization in San Francisco. For more than 160 years, the Chamber has served the needs of business and helped create a vibrant San Francisco.

San Francisco Community Board Program
3130 24th Street
Community Boards is the oldest, longest-running public mediation service in the United States that helps San Francisco residents and businesses find peaceful solutions to conflicts through mediation, trainings, facilitation, and help organizations improve their communication and resolution skills. We can help you manage everyday conflicts by containing disputes before they escalate to small claims court. We offer conflict resolution services for a nominal fee. Our mediation services are offered in English, Spanish, Mandarin and Cantonese.

San Francisco Council of District Merchants Associations
3444 Broderick Street
The Council is dedicated to the promotion, preservation and enhancement of San Francisco’s Business Community and brings together nearly twenty diverse neighborhood business organizations, giving small business owners a broad base of support. As a host of San Francisco’s Small Business Week, we help to celebrate the success of small business – the very backbone of San Francisco’s economy.

San Francisco Economic Development Alliance
The San Francisco Economic Development Alliance (SFEDA) is a collaboration of nonprofit organizations that provide training, funding and ongoing support for small and micro businesses in San Francisco. Our mission is to help low- and moderate-income San Franciscans improve their quality of life by strengthening small businesses and micro-enterprises. We achieve this mission by formalizing referrals between organizations, actively advocating at the City level for small businesses, leveraging resources and best practices and maintaining meaningful partnerships.

San Francisco LGBT Community Center 
1800 Market Street

The San Francisco LGBT Community Center’s Small Business Services Program empowers entrepreneurs at any stage, from pre-startup to expansion. We offer free, one-on-one technical assistance, collaborative workshops, an innovative, credit-building microloan program, loan packaging, small business mentorship and referrals to our vast small business development network. Our small business expert provides individualized advice, a needs assessment and the development of an action plan that supports business planning, market strategy, financial modeling, networking opportunities, funding efforts and more. To learn more contact Jacob Gelfand, Manager of Small Business Services at the Center, or 415-865-5645.

San Francisco Locally Owned Merchant Alliance (SFLOMA)
PO Box 29169,
SFLOMA identifies and promotes locally owned independent businesses. Our goal is to educate and inform residents of and visitors to San Francisco, of the positive economic value on the community and the value to the individual of shopping at independent retailers.

San Francisco Public Utilities Commission
525 Golden Gate Ave., 13th Floor
SFPUC, a department of the City and County of San Francisco, is the 3rd largest municipal utility in California and is comprised of three essential 24/7 service utilities: Water: (provide retail drinking water and wholesale water to three Bay Area counties; serving 2.5 million residential, commercial, & industrial customers); Wastewater Services in SF: (collection, treatment, & disposal; only major city in California that operates a city-wide combined sewer system); and Power Services in SF: (green hydroelectric and solar power). Contracting opportunities are available to small and large local and regional businesses through SFPUC’s multi-billion dollars bond-funded and multi-year infrastructure programs, including the Sewer System Improvement Program (SSIP) and the Water System Improvement Program (WSIP), one of the largest water infrastructure programs in the nation and the largest infrastructure program ever undertaken by the City of San Francisco.

San Francisco Small Business Development Center
City Hall, Room 110, 1 Dr. Carlton B. Goodlett Place.
415.937.SBDC (7232)
We provide free, confidential one-on-one customized consulting services and training workshops in English, Spanish and Chinese to established and startup businesses in San Francisco and Northern San Mateo County. Our team of professional consultants are not only counselors but also business owners with diverse backgrounds and expertise in a variety of industries such as restaurant and specialty food service, fashion retail and manufacturing, wholesale, technology and social media, government contracting, among others.

SCORE San Francisco
455 Market Street, Suite 600
SCORE is a non-profit resource partner of the Small Business Administration dedicated to educating entrepreneurs. Our volunteers are working and retired business executives who provide free counseling and low cost workshops to help businesses get started and grow successfully.

SF Made
926 Howard Street
SFMade’s mission is to build and support a vibrant manufacturing sector in San Francisco that sustains companies producing locally made products, encourages entrepreneurship and innovation, and creates employment opportunities for a diverse, local workforce.

Small Business Administration (SBA)
455 Market Street, Suite 600
The Small Business Administration is the federal agency assisting entrepreneurs with financing, training and advocacy. In addition, the SBA works with thousands of lending, educational and training institutions nationwide to benefit businesses.

Small Business Network
P. O. Box 225336
Our mission is to strengthen and unify the voice of the Small Business Community in San Francisco. With a growing membership of 20 business organizations, we represent more than 19,000 small businesses in San Francisco currently.

Southeast Asian Community Center
875 O’Farrell Street
Our mission is to develop and administer programs that lead to economic development and community empowerment for Southeast Asians, low-income residents, and small business owners. Our main programs are: small business technical assistance, Microloans, consumer advocacy, translation services, immigration services, and food distribution. Now in our 39th year of operations, we serve clients throughout the City and make Microloans to small businesses throughout the Greater Bay Area.

State Board of Equalization
121 Spear Street, Ste 460

The San Francisco Community Business Law Center
The BLC is organizing as a nonprofit legal aid program that provides preventive business law resources free of charge for low-income micro-business owners who cannot afford lawyers. Over 40 pro bono workshops are available right now on a comprehensive range of business law topics.  Business law clinics offering free one-hour consultations in San Francisco’s low-income merchant corridors will begin in the second half of 2013, and plans for a staffed business law resource center are in the works for 2014 and beyond.  For further information please see or email

The Supplier Clearinghouse
On behalf of the California Public Utilities Commission (CPUC) and its Supplier Diversity Program, the Supplier Clearinghouse certifies businesses as Women and/or Minority owned Business Enterprises (WMBE, WBE, MBE). The purpose of this certification is to encourage the utility companies regulated by the CPUC to recruit and utilize businesses that are owned and operated by women and minorities. For more information on the Supplier Diversity Program contact 800-253-0500 or

Treasurer / Tax Collector
City Hall, Room 140, 1 Dr. Carlton B. Goodlett Place

Urban Solutions
1167 Mission Street, Suite 200
Urban Solutions is an economic development non-profit organization whose mission is to foster the well-being of disadvantaged communities by helping to increase neighborhood commercial vitality, strengthen small businesses, create jobs and encourage diversity.

VEDC is a leading non-profit small business lender that is changing the way small business lending is done by making it more available, sustainable and impactful. As a national small business lender, VEDC offers small business loans ranging from $50,000 to $250,000 in the Bay Area. VEDC has a 37 year history of supporting small business owners with a goal of creating jobs and small businesses.

USF Gellert Family Business Resource Center
(415) 422-4395
The University of San Francisco’s Gellert Family Business Center provides family-owned businesses with access to networking, an open exchange of strategic and practical family business information and advances in the field of family business research, education, and scholarship.

Working Solutions
440 Pacific Avenue
Working Solutions is a nonprofit organization that provides microloans of $5,000 to $50,000 to entrepreneurs that want to start or grow a local business as well as education, mentoring, advising, and consulting services.