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Ask CJ: Laying Out the NH Advantage

Thursday, August 25th, 2011

“I have heard that there are grants available to business owners in NH.  Is that true?  What other economic incentives are available to a NH business owner?”

I get this question pretty frequently from businesses of all sizes and industries.  What is that “NH Advantage” that we keep hearing about? 

NH Division of Economic Development Seacoast Business Services Specialist Christine Davis

Unlike some other states, New Hampshire isn’t known to dangle hefty incentive packages to lure new business into the state.  We don’t offer short term special deals to a prospective company from out of state that isn’t available to our current business owners.  What NH does offer, the NH Advantage, includes such things as our lack of an income tax and sales tax.  Also part of the Advantage is our high standard of living, quality of education, and geographic location.  We also have government agencies such as ours, the Division of Economic Development, that are reachable and responsive. 

Besides the above-mentioned incentives for locating your business in the Granite State, there are a number of other potential NH-based financial incentives.  Large energy consumers may be eligible for a grant that covers the cost of an energy audit.  Our division, www.nheconomy.com, offers free technical assistance, which could include an energy audit (valued at $10,000) to businesses that are spending $100,000 or more on their combined utilities.  The business can take this audit and work with a number of financial institutions, including the NH Community Development Finance Authority (which also has some grant funds for energy audits) to assist them with a cost effective plan to implement these recommended efficiencies.  These funds are limited so you will need to check first on availability. 

The Business Finance Authority (BFA) offers the Business Energy Conservation Loan Fund: http://www.nhbfa.com/BFA_LoanPlans_BizEnergy.html which is financing assistance for energy efficiency improvements.  The USDA Rural Development program, www.rurdev.usda.gov/vt, offers both grant and loan programs for a variety of projects and programs.  You will need to visit their website to see if your business falls within the geographic and industry parameters for the projects they support.  The NH Community Development Finance Authority, www.nhcdfa.org, also offers a tax credit program that provides, “New Hampshire businesses the unique opportunity to invest and target their tax dollars to community development projects throughout the state in exchange for a 75% State Tax Credit through the Tax Credit Program. This program enables businesses to invest cash, securities, or property to fund economic or community development projects in exchange for this 75% tax credit which can be applied against any or all three of the business profits, business enterprise, or insurance premium taxes. The donation also may be eligible for treatment as a state and federal charitable contribution.”

Businesses that are located within an Economic Revitalization Zone may qualify for a tax credit if they are making improvements to the facility and creating new jobs.  You will first need to check with your town or our office, www.nheconomy.com, to see if you are located in an ER Zone.  If so, you may be eligible to receive up to $40,000 in tax credits per year for up to 5 years to be used against your business profits tax and or your business enterprise tax.  It is a complicated formula but our staff will help with the heavy lifting.  This program also has limited credits available but that ceiling was not reached last year.

Non-profits are quite familiar with grants, as many of them need this support in order to function.  Grants are almost always restricted to non-profit entities and when I hear someone tell me they received a call about grant opportunities for businesses (of course in exchange for a fee) I cringe.  There is one grant in NH for businesses and it is the real deal.  The NH Job Training Fund is a matching grant program available to both for-profit and non-profit entities.  Companies can be awarded a cash match that ranges from $750 up to $100,000 for skills enhancement training.  What does that include?  Just about any training that increases the skill set of your employees including computer training, technical training, leadership and management skills training and lean manufacturing to name a few.  Details on this fantastic program can be found at www.nhjobtrainingfund.org

Through the University of NH the Green Launching Pad, www.greenlaunchingpad.org, “is a public and private sector initiative that enables local start-ups to bring green solutions to market.  We discover New Hampshire’s best and brightest, and then support them with the financial resources, business infrastructure, and academic expertise to succeed.”  Companies apply and compete to be selected as a GLP recipient.  Winners not only receive some funding and technical assistance but they also get some great press which has a lot of value. 

Also through UNH is the New Hampshire Innovation Research Center.  Created by the Legislature in 1991, these grant funds are meant, “To increase collaboration, technology development and innovation between New Hampshire businesses and universities.  New Hampshire businesses propose projects in collaboration with researchers, typically at Dartmouth Medical or the University of New Hampshire. Companies then match their project awards to fund the research which often leads to new production methods, new products and sometimes new companies.”  You can visit their website, www.nhirc.unh.edu, to learn more about this program.

Each city, town or county may have its own incentive program for business development.  You would want to reach out to your town manager, mayor or economic development director to see what is available.  You never know until you ask.

Christine J. Davis works for the N.H. Division of Economic Development as a resource specialist serving businesses in Rockingham and Strafford counties. Her role is to provide the support needed for businesses so that they may remain viable and growing entities in the community. Ms. Davis lives in Exeter with her two daughters.  When not performing her work or parenting duties she likes to spend time at the beach and discovering news places and activities in the community with her girls.  She can be reached at Christine.davis@dred.state.nh.us.

Interim Economic Development Director to Explore New Opportunity

Monday, August 8th, 2011

New Hampshire Division of Economic Development Interim Director Roy Duddy announced today that he will be leaving the Department of Resources & Economic Development to take a consulting position in the Public Service of New Hampshire Economic & Community Development Department effective August 19th.

“I’m certainly sad to leave a great group that has accomplished so much over my ten years with the Division of Economic Development, but am extremely excited to take on a new challenge in creating jobs and helping businesses grow,” Duddy said. “I leave steadfast in the belief that the team we’ve built is well prepared to keep moving the economy forward and feel blessed to have served with such dedicated professionals.”

Under Duddy’s direction, the State economic development office has garnered both local and national awards and served thousands of local companies looking to become more energy efficient, explore export opportunities, secure financing and pursue expansion.

In his two years as Interim Division Director, Duddy shepherded the Department of Resources & Economic Development’s participation in the state’s broadband application, presided over the Division’s foray into social media with the development of an award-winning presence on Facebook and Twitter, coordinated the activities of the State’s Procurement Technical Assistance Program that helped local companies secure 940 contracts totaling over $200M and managed the expansion of the state’s energy efficiency options. He also served on a number of boards including the Community Development Finance Authority, New Hampshire Advanced Manufacturing, the Economic Development Advisory Council and the Dartmouth Entrepreneurial Network.

“Roy has been a tremendous advocate for the state’s business community and brought an energy and passion to the position that resulted in some great programs and services,” said New Hampshire Department of Resources & Economic Development Commissioner George Bald. “He deserves a great deal of praise for all that he has done for New Hampshire.”

In his new position with PSNH’s Economic and Community Development Department, Duddy will assist companies with their growth plans and carry out initiatives that create economic activity and jobs.

Ask CJ – Opening a Restaurant: The Bitter and the Sweet

Thursday, August 4th, 2011

“I’m interested in opening up my own restaurant and I’ve heard that it is really tough to get financing to do so.  What might be available, if anything?”

Well, you’re quite right in that it’s often more challenging to secure financing for a restaurant.  The reason, as many people know, is due in part to the perception of a high failure rate for new restaurants.  I myself have heard countless times that 9 out of 10 restaurants fail within the first year of operation.  I was about to cite that “statistic” when I decided to do a little digging to see if it was still valid.  Boy am I glad I did!  A professor from Ohio State University’s hospitality program, H.G. Parsa, had trouble believing those statistics (and couldn’t find a source for the data) so he decided to research the failure rate himself. 

Seacoast Business Services Specialist Christine Davis

Parsa used records from the health department to track 2,500 restaurants in the Columbus, Ohio area over a three year period.  He found that about one in four restaurants close or change ownership within the first year of business.  Over three years, that number rises to three in five (Bloomberg Businessweek, April 16, 2007).  The success rate for chain restaurants isn’t much higher.  New businesses in general face similar failure rates.  It is also worth noting that the failure rate was higher when located in an area with a high concentration of restaurants.

The good news is that you have a better chance at success than commonly perceived.  The not-so-good news is that securing financing for your restaurant is still going to be a challenge.  I spoke with Carol Estes from Optima Bank in Portsmouth to see what she recommends for an aspiring restaurateur.  Carol noted that like any business seeking funding, you will have a better chance of getting funded if you have good credit, collateral, a fall back position (cash in the bank) and 10-15 years of experience in the industry.  Previous successful restaurant ownership will also build your case for financing.

Carol pointed out the SBA’s 504 loan program that provides a fixed rate commercial loan for businesses acquiring property.  If you are planning on buying the building, this might be a good option for you.  The program offers a fixed rate for 20 years for real estate and a 10 year fixed rate for equipment. The customer can purchase the property with as little as 10% down with the bank taking 50% of the loan and the SBA covering the other 40%.  A start-up business would require 15% equity.  The banks like this program as they are able to mitigate their risk while still taking care of their customer’s needs.  Funds can be used to purchase land or purchase or construct a building as well as renovate an existing structure.

I also spoke with Fred Palazzolo of the Granite State Development Corporation, www.granitestatedev.com, in Portsmouth about the SBA’s 504 program.  The GSDC focuses solely on the SBA 504 program and Fred noted that the 20 year rate guarantee in conjunction with the low down payment can be a real help to business owners who are looking to preserve cash and have a predictable loan payment.  Fred also shared with me that a start-up is defined as a business with less than two years in existence.  Single purpose facilities would require an additional 5% equity.  Unlike some other SBA programs, the 504 is not an SBA guarantee on a bank loan but actually a loan that is separate from the bank.  To learn the specifics about this program, you can visit the SBA’s website, www.sba.gov, and click on “loan and grants” under the navigation bar. 

Securing financing for a restaurant is going to be as challenging if not more so than for other types of businesses.  However, if you have the experience, credit and the necessary collateral you have a much better chance of getting the financing you need.  My hat goes off to those who are willing and able to open and maintain a restaurant.  As much as I love to eat, I could never take on that endeavor based on family obligations alone.  Restaurant ownership demands an immense investment of time and energy in addition to the knowledge and funds that are required. 

Christine J. Davis works for the NH Division of Economic Development as a resource specialist serving businesses in Rockingham and Strafford counties. Her role is to provide the support needed for businesses so that they may remain viable and growing entities in the community. Ms. Davis lives in Exeter with her two daughters.  When not performing her work or parenting duties, she likes to spend time outdoors and discovering news places and activities in the community with her girls.  She can be reached at Christine.davis@dred.state.nh.us.

NH’s Business Recruitment Efforts Continue to Attract Attention

Monday, July 11th, 2011

A great Union Leader follow-up to last Friday’s Boston Globe article on New Hampshire’s efforts to attract Massachusetts companies:

Thanks, Boston Globe; NH couldn’t have pitched its business-friendly climate any better
By DENIS PAISTE
New Hampshire Union Leader

No offense taken.

The Boston Globe’s characterization of a New Hampshire business recruiter as a thief and a poacher didn’t upset anyone on this side of the border and doesn’t take away from a key point of the article: New Hampshire is winning business and jobs from Massachusetts.

State Business Recruiter Michael Bergeron has garnered a lot of recent media attention for his persistence, determination and success in attracting companies to New Hampshire.

“I think they wish they had some of the advantages in Massachusetts that New Hampshire has,” Roy Duddy, interim director of the state’s Division of Economic Development, said Friday. As such, Duddy is business recruiter Michael Bergeron’s boss.

The Globe’s statement that Bergeron “even scraped the New Hampshire state seal off his Ford Fusion” stretched the truth, Duddy said.

Economic Development spokesman Steve Boucher said, “We don’t have the state decal on the recruiters’ cars because when you go out of state, you don’t want to spook the company owners, you don’t want to spook the employees of the company,” he said.

“It’s just a real common sense thing more than anything else,” he said.

Bergeron, in a telephone interview Friday, said he was interviewed by a Globe reporter about two weeks ago and was surprised by the front-page treatment the article received.

“They’re describing New Hampshire being proactive in making sales calls, which I think is a good thing,” he said.

Some Globe readers took the paper to task for its wording.

“The Globe seems intent on characterizing Bergeron as a ‘thief’ while suppressing the real issue of an unfriendly business environment in the Bay State. The politicians here speak from both sides of their mouths….” reader “rjkeefe” commented on the boston.com website.

Duddy said the state would take advantage of the momentary notoriety.

“We have a very small budget to do economic development,” he said. “We do very innovative and ingenious things to get the message out about the New Hampshire advantage, and this is just one of them we are going to use as well.”

Bergeron, enjoying a day off Friday with friends at Maine golf course, said he works with fellow recruiter Cindy Harrington and secretary Bonnie Quaile.

“There’s been a general uptick in interest in New Hampshire, I would say since probably late February,” he said. “Certainly more people are looking than last year.”

As for the state seal issue, Bergeron said, the job of removing it was done professionally before he ever crossed state lines.

“We have client confidentiality, so whatever state we are going into we honor the request for confidentiality,” he said.

U.S. Department of Labor Awards NH a $675,000 Job Training Grant

Tuesday, July 5th, 2011

U.S. Senator Jeanne Shaheen (D-NH) has announced that New Hampshire has won a $675,314 competitive On-the-Job (OJT) Training grant from the U.S. Department of Labor.  The award, which will be administered by the New Hampshire Division of Economic Development, will support OJT programs that help unemployed workers gain new skills to find and retain employment.

Shaheen recently introduced legislation with U.S. Senator Thad Cochran (R-MS) designed to expand OJT programs across the country.

“On-the-Job Training programs are a proven way to put people back to work,” said Shaheen, a member of the Committee on Small Business and Entrepreneurship.  “By teaching unemployed workers new skills, these programs not only help people find new jobs, but they help companies in emerging industries find qualified employees.  Under the current system, On-the-Job Training programs are highly underutilized despite being highly effective.  I will continue to work for passage of my legislation so that more states are encouraged to implement these programs.”

Today’s OJT grant is in addition to an initial $972,474 award the state received from the Department of Labor on June 25, bringing New Hampshire’s total to $1,647,788.  New Hampshire was awarded the supplemental grant based on the success it has achieved in implementing the first award, and was one of only four states to receive a supplemental grant.

“The On-the-Job Training grant is great news for both job seekers looking for well-paying career opportunities as well as for New Hampshire employers who are looking for trained and skilled workers in every sector of our economy,” said George Bald, Commissioner of the New Hampshire Department of Resources and Economic Development.  “The award also recognizes the strong partnerships that have been developed between employers, and economic and workforce development system partners.”

Bald said the previous OJT grant awarded to New Hampshire had already produced over 60 new on-the-job training opportunities for long-term unemployed job seekers throughout the state and he expected the new grant to produce 50 or more new opportunities.

OJT grants offer a method to jump start re-employment for dislocated workers experiencing prolonged unemployment, by enabling employers to create training and job opportunities for these individuals. Participants will be given a chance to “earn and learn,” as they develop applicable skills while earning a paycheck. Employers participating in these on-the-job training projects will receive partial reimbursement to offset the cost of training workers. The projects will help workers become proficient in needed skills more quickly, which will serve to encourage employers to hire workers sooner than perhaps initially planned, facilitating the private sector hiring of well-qualified individuals to contribute to their bottom line and spur economic recovery.

Casting Call for NH’s Rising Stars

Wednesday, June 29th, 2011

Check out this great awards program that we’re partnering on with our friends at Business NH Magazine and Stay Work Play – submit your nominations today!!

 Recognize NH’s Rising Stars!!

The Details: Are you a star or do you know a young professional who is? If so, we want to feature that person in Business NH Magazine. We’re looking for nominees for the second annual Rising Stars awards. The awards recognize outstanding young professionals, creative initiatives that keep young professionals working in NH, and the businesses that go the extra mile to recruit and retain them.

Why: Let’s face it, NH needs to attract and keep younger talent. So, Business NH Magazine, Stay Work Play, a nonprofit committed to helping retain 55 percent of the state’s college graduates to stay, work and play in the Granite State, and the NH Division of Economic Development are partnering on a unique competition to highlight the best and brightest professionals 40 and under.

The Process:  There will be six awards. The Coolest Companies for Young Professionals recognizes companies˜small, medium and large”that create outstanding workplaces with innovative programs to attract and retain young professionals.” The Young Professional of the Year award honors an exceptional professional 40 years old or younger who is a rising star in his or her field, has demonstrated leadership and who is committed to giving back to the community. The Young Professional Network Program of the Year honors a stand-out program developed by a young professional group that furthers young professionals professionally or socially and helps young professionals become more connected to their communities. The Stay, Work, Play Leadership award goes to an individual, organization, initiative or program in NH that significantly supports the recruitment and retention of young professionals in the state.

The Deadline: Friday July 29. Applications will be accepted online only by going to www.BusinessNHmagazine.com <http://millyardcommunications.com/index.php?cid=619168&forward=3&curlid=4> and click on the Competitions button.

Eligibility: 2010 winners are not eligible to compete, but we encourage them to nominate their colleagues. The Reward: Winners will be featured in the Young Professionals Guide in the November issue of Business NH Magazine and feted at an awards ceremony the same month.

#NHTelecom Summit a Great Success

Friday, May 13th, 2011

This post was provided by State Broadband Director Carol Miller who was one of the driving forces behind the Telecom Summit – great job by all associated with this event!

The 2011 NH Telecommunication Summit on May 11 at the Radisson in Manchester NH was an exciting gathering of service providers, technology companies, state agencies, regional planning commissions, municipalities and business.  Sponsored by NH Business Review, the NH Division of Economic Development, the New Hampshire Telecommunications Association, Head Networks and G4 Communications.

telecom-summitRoy Duddy, Interim Director, Division of Economic Development welcomed a crowd of close to 150 participants. He thanked everyone for their support and interest in the discussion surrounding expansion of broadband to unserved and underserved communities in the State of NH.

Carol Miller, Director of Broadband Technologies at the Division assumed the role of master of ceremonies keeping attendees on track for the keynote, breakout sessions, and a service provider panel as Industry Leaders share their insight.

“This represents the first time in several years that providers, municipalities, and businesses have gathered to share information and resources about telecommunications,” she said.

The keynote was delivered by Scott Valcourt, UNH on the Network NH Now, and other initiatives that build upon the federally funded assets in construction that will build middle mile fiber to all 10 counties of NH.  The Public Safety Microwave Project encompasses a planned upgrade of state agency facilities to a multi-user platform to free up space on state owned mountain tops for wireless broadband providers.  The New Hampshire Fastroads LLC will bring that fiber to the customer premise in two last mile projects in Rindge and Enfield.   In addition, Valcourt talked about the impact to economic development and the way it will change and enhance telemedicine, education, and job growth opportunities for the people of NH.

Breakout sessions included “Wireless/Cellular Technology Today” by AT&T’s Brian Krause,  “Where’s My Broadband?”  by Michael Blair of the NH Mapping and Planning Program at UNH, “Telecom 101 for Businesses and Municipalities” by Cisco’s Paul Gasparro and “Who Needs Broadband?” hosted by Carol Miller, Director of Broadband Technologies for the State of NH.

The Service Provider Panel was moderated by Matt Cookson, Executive Director of NH High Tech Council.  The Panelists were Brad Scofield, Regional Director of Product Management for Comcast, Jeremy Katz, CEO of segTEL, Gunnar Berg, CEO of Cyperpine Wireless and Bill Meehan Director of Segment Marketing of FairPoint Communications.

Each  panelist described their company products and footprint.  They answered questions about expansion to rural areas, and business incentives to enhance investments in infrastructure.

Allen Voivod of Epiphanies Inc., provided the social media blitz for the Summit thanks to the generous sponsorship of G4 Communications.  Video from the event can be seen online at the following location: http://www.youtube.com/NHEconomy, and photos can be seen at http://on.fb.me/2011TelecomSummit. Read the event’s comments on Twitter by following the hashtag #NHTelecom.

Small Business Matchmaker Scheduled for Nashua

Tuesday, May 3rd, 2011

On Monday May 9th at the Nashua Technology Park from 8:30 a.m. to 4:00 p.m. there will be a Business to Business Matchmaker that will bring together over 150 small business owners with procurement representatives from more than 25 federal agencies and private prime contractors.  

small-business1Last year, hundreds of New Hampshire small businesses were awarded over $438 million in contracts by federal agencies.  This number grows significantly when you consider all of the awards made to small businesses as subcontractors to private prime contractors.  Small business owners throughout New Hampshire have discovered that adding the federal government to their customer list can be a smart business decision. 

Rachael Roderick, Business Development Specialist at the NH district office of the U.S. Small Business Administration, one of several co-sponsors of the event commented, “This is a great opportunity for NH companies to meet directly with several of these organizations to have that initial meeting that can sometimes takes weeks to set up individually.  It is a great way to find out where the opportunities exist for each individually company and who they should follow up with in the future.” 

On May 9th, the majority of the day will be filled with time for small businesses to meet one-on-one with representatives these agencies and prime contractor to explore if their company has a market to pursue future contracting opportunities.    A basic government contracting training session will be available in the afternoon for those new to the subject. This one hour session is designed to demystify the federal procurement process and alert business owners to the one-to-one business support available through the New Hampshire Division of Economic Development’s Procurement Technical Assistance Program, the SBA and its resource partners.   

Online pre-registration is required and available now at www.nhsbdc.org with a fee of $25.00.   

Small businesses that register for the event will be provided a list of the confirmed exhibitors before the event to help them tailor their presentations and target specific agencies or contractors they wish to meet.

Businesses, Government and Providers to Gather at Telecommunications Summit

Monday, April 18th, 2011

Imagine a day without email, teleconferencing, online videos, Google or cell phone access. In today’s world, broadband access is critical—especially to business growth, economic development, education and telemedicine—as we become more reliant on digital communication, from email to teleconferencing and social media.

telecomHow State government, municipalities, businesses and providers can work together to expand and improve broadband access throughout New Hampshire will be the focus of the 2011 New Hampshire Telecommunication Summit, which will be held on Wednesday, May 11 at the Radisson Hotel Manchester Downtown. Sponsored by the NH Division of Economic Development, the NH Telecommunication Association (NHTA), HEADNetworks and NH Business Review, the summit will provide attendees with the opportunity to learn from leaders in the industry and see the latest in voice and data technology.

According to Carol Miller, Director of Broadband Technology for the State of New Hampshire, “This represents the first time in several years that providers, municipalities and businesses will gather to share information and resources about telecommunications. While we’re justifiably proud that New Hampshire ranks second in the nation for households with broadband access, we still have a lot of work to do to expand broadband to rural areas. Businesses tend to locate where broadband is, so making broadband, including wireless, available in rural areas is important to our economy.”

On the agenda will be an address by Scott Valcourt, UNH Adjunct Faculty Member in
Science & Technology Division, Computer Information Systems Program, who will speak on “New Hampshire’s Newest Broadband Initiative.” A panel discussion by New Hampshire service providers on “Statewide Broadband and Business Expansion Incentives” will be moderated by Matt Cookson, executive director of the New Hampshire High Technology Council.

Three breakout sessions—“Wireless/Cellular Technology Today,” “Where’s My Broadband?” and “Telecom 101 for Businesses and Municipalities”— will be offered, as well as lunch and ample time to meet with exhibitors.

Cost to attend the summit is $75 per person, which includes lunch. Registration begins at 7:45 a.m., with the program running from 8:45 a.m. to approximately 2pm. Register online at www.nhtelecom.org/Summit2011. For more information, call NHTA at 1-800-400-NHTA (6482) or email Summit@nhtelecom.org. Sponsorship opportunities are still available.

Lodging is available at the Radisson, which is located at 700 Elm Street in Manchester. Call (603) 625-1000 and use “NHTA” to receive the attendee discount.

Exploring Government Contracting Subject of Small Business Roundtables

Thursday, February 24th, 2011

In FY 2010 New Hampshire small businesses were awarded over $438 million in contracts by federal agencies, state agencies and as subcontractors to prime contractors.  These contracts represent awards to hundreds of small businesses in New Hampshire, who have often worked with the U.S. Small Business Administration (SBA) and the NH Division of Economic Development’s Procurement Technical Assistance Program (NH PTAP) to realize increasing success and profits.  

small_business1As more small business have entered the arena of selling their goods or services to government agencies or prime contractors, a common thread has emerged with successful companies.  The businesses that understand how the process works and how regulatory requirements can be met, are the same businesses who receive contracts in the government contracting marketplace.   

On Wednesday March 9, 2011, in Manchester and Thursday March 17th in Keene, representatives from the U.S. Small Business Administration (SBA), the NH Procurement Technical Assistance Program (PTAP), and SCORE will host a roundtable discussion with area businesses who want to learn more about the process of selling product and services to federal government agencies and their large business prime contractors.  Business owners will also receive an introduction to the resources and services provided by the SBA, NH PTAP and SCORE to assist them if they decide to pursue government contracting with their companies. 

Wednesday March 9, 2011 from 1:00 p.m. to 3:00 p.m.
The Greater Manchester Chamber of Commerce, 54 Hanover Street, Manchester, NH

or 

Thursday March 17, 2011 from 1:00 p.m. to 3:00 p.m.
The Hannah Grimes Center, 25 Roxbury Street, Keene, NH

Each session is free of charge, but attendance is limited and pre-registration is required.

Please contact Rachael Roderick at (603) 225-1603 or Rachael.roderick@sba.gov for additional information or to register.