Nevada SBDC

Are You Business Loan Ready?
2025-10-08 09:00 - 10:00 (America/Los_Angeles) | ONLINE, STATEWIDE, NV, United States
Preparing for a business loan can be time consuming. If you’re a startup, protracted startup, or an existing business owner; I will walk you through the process, so you are prepared and know what you need. In addition we’ll discuss different lending options, including alternative lending and projection based loans.
Penny Garton Sr. Loan Officer for CDC Small Business Finance Based in California, lending Nationwide. Penny is a 37-year veteran of commercial lending, underwriting, and customer service, providing financing to small businesses throughout the United States.
This is part of our State Small Business Opportunity Program (SBOP) program powered by the Governor’s Office of Economic Development (GOED) and funded by the U.S. Department of Treasury.

Health Care Industry Lending
2025-10-15 09:00 - 10:00 | ONLINE, STATEWIDE, NV, United States
Preparing to start or expand your Health Care or Med-Spa business? Let’s discuss what stage you are at, licensed or not yet licensed, and discuss what options are available to you. I will walk you through the process, so you are prepared and know what you need. In addition we’ll discuss different lending options, including alternative lending and projection based loans.

Penny Garton Sr. Loan Officer for CDC Small Business Finance Based in California, lending Nationwide. Penny is a 37-year veteran of commercial lending, underwriting, and customer service, providing financing to small businesses throughout the United States.

Capital Conversations: What Every Business Should Know
2025-10-21 10:00 - 11:00 | ONLINE, STATEWIDE, NV, United States
In today’s economy, access to capital remains one of the most critical—and often misunderstood—elements of small business success. This panel brings together seasoned bankers and lending experts to demystify the financing process and provide actionable insights for entrepreneurs at every stage.
Join us for a candid conversation on the realities of securing funding, from traditional loans and SBA programs to alternative financing options. Panelists will share what lenders look for, how to prepare a strong application, and common pitfalls to avoid.
Whether you’re just starting out or scaling your operations, this session will equip you with the knowledge and confidence to make informed financial decisions.
Expect real-world advice, insider tips, and a chance to ask your most pressing questions. If you’re serious about growing your business, this is one conversation you won’t want to miss.
In collaboration with special speaker, Monica Coburn of Nevada Business Advisors. This is part of our State Small Business Credit Initiative (SSBCI) program powered by the Governor’s Office of Economic Development (GOED) and funded by the U.S. Department of Treasury.

Understanding Nevada's New 401K Mandate
2025-10-30 12:00 - 13:00 | ONLINE, STATEWIDE, NV, United States
Attention small business owners: Nevada’s new 401K mandate requiring employers to offer a retirement savings program has officially gone into effect, and the deadline to comply has now passed. If you haven’t yet implemented a solution, it’s not too late to get on track! Join us for a one-hour webinar on the Nevada Employee Savings Trust (NEST) program, a state-facilitated retirement option designed to help small businesses meet the requirements without the complexity of setting up a traditional 401k. We’ll cover how NEST works, what your responsibilities are as an employer, and how to enroll quickly and easily. This is a great opportunity to ensure compliance and support your employees’ financial well-being.
Zach Conine currently serves as Nevada’s 23rd State Treasurer. Elected on November 6th, 2018, Zach knows that responsible financial management is the key to ensuring long-term growth for the State. As Treasurer, Zach leads a team of more than 45 professionals that are responsible for investing the State’s and many local governments’ money, financing community assets and facilities, processing payments for public agencies and collecting and returning unclaimed property. Additionally, Zach is responsible for Nevada College Savings Plans and administration of numerous scholarship programs and other services that help Nevadans plan, save, and pay for post-secondary education.
In addition to the daily management of the State Treasurer’s Office, Zach serves as a member of the State Board of Finance and the Executive Branch Audit Committee. Zach serves as Chair of the Board of Trustees of the College Savings Plans of Nevada, the Nevada Employee Savings Trust and the Nevada State Infrastructure Bank.
Prior to serving as State Treasurer, Zach built a successful business career in the gaming, finance, and consulting sectors. Over the course of his career, Zach has been committed to creating economic opportunities for local businesses and working families. As co-founder of a consulting business, he has helped dozens of small and medium sized businesses expand, increase efficiencies, and decrease expenses. In doing so, he assisted in the creation and preservation of more than 3,000 jobs in Nevada.

Understanding Cash Flow
2025-11-12 12:00 - 13:00 | ONLINE, STATEWIDE, NV, United States
Understanding how money moves in and out of your business is essential to keeping it healthy. In this session, participants will learn the difference between cash inflow and cash outflow and why tracking both matters. We’ll explore how profit on paper doesn’t always translate to money in the bank—and what that means for day-to-day operations. Through practical examples, you’ll discover how to anticipate and manage the timing of your income and expenses. By learning how to manage your cash effectively, you’ll gain the flexibility to handle slow seasons and unexpected costs with confidence.

Learning the difference between cash inflow and cash outflow
Profit does not always mean you’ll have money in the bank
Managing your cash will offer flexibility to weather slow times and bills that may hit at different times.

Dereck Barrett is a business advisor and entrepreneur with over 20 years of experience in business planning, financing, and growth strategy.
After graduating from the University of Nevada, Reno, he began his career in banking sales, earning national recognition as a top performer.
In 2004, he co-founded and financed his first physical therapy clinic in Southern California. Later he and his wife returned to Reno, purchased a commercial building and started another physical therapy clinic. Dereck expanded the practice to multiple clinics locations and was the market leader before selling his majority interest.
While expanding the practice, Dereck became a commercial real estate broker and has worked in that capacity for the last 7yrs.
He attributes his life’s professional success to entrepreneurship and sincerely loves helping guide entrepreneurs through the challenges of launching, financing, and scaling their companies.

Mastering Your Startup Finances
2025-11-20 12:00 - 13:00 | ONLINE, STATEWIDE, NV, United States
Financial success starts with understanding the key numbers that drive your business. In this training, you’ll learn the difference between revenue, profit, and cash flow—and why each tells a unique story about your business’s health. We’ll walk through simple ways to budget and track your costs, including a practical Excel template you can use right away. You’ll also uncover some of the most common financial pitfalls that trip up small business owners and how to steer clear of them. By building stronger financial habits, you’ll gain the clarity and confidence to make smarter business decisions. This session is ideal for entrepreneurs who want to take control of their finances and plan for long-term growth.

Learn the difference between revenue, profit and cash flow
Simple ways to budget and track your costs (where we could provide a simple excel sheet)
Common financial pitfalls and how to avoid them

Dereck Barrett is a business advisor and entrepreneur with over 20 years of experience in business planning, financing, and growth strategy.
After graduating from the University of Nevada, Reno, he began his career in banking sales, earning national recognition as a top performer.
In 2004, he co-founded and financed his first physical therapy clinic in Southern California. Later he and his wife returned to Reno, purchased a commercial building and started another physical therapy clinic. Dereck expanded the practice to multiple clinics locations and was the market leader before selling his majority interest.
While expanding the practice, Dereck became a commercial real estate broker and has worked in that capacity for the last 7yrs.
He attributes his life’s professional success to entrepreneurship and sincerely loves helping guide entrepreneurs through the challenges of launching, financing, and scaling their companies.

Closing Your Books with Confidence
2025-12-17 11:00 - 12:00 | ONLINE, STATEWIDE, NV, United States
The year is winding down and so are your chances to get your books in order before tax time. Join us for a live training designed specifically for small business owners who want to approach their year-end review with clarity. Whether you’re preparing to meet with your accountant, file taxes, or simply want to know your business numbers inside and out, this session will give you the tools and confidence to finish the year strong.

Taught by Lori Hauck, a Certified Public Accountant licensed in three states. She has over 15 years of experience teaching finance and accounting classes to college students and business professionals. She is an entrepreneur and international speaker on behavioral finance topics. She possesses a talent explaining financial topics to clients, students, and entrepreneurs in ways they can easily understand.

This is part of our State Small Business Credit Initiative (SSBCI) program powered by the Governor’s Office of Economic Development (GOED) and funded by the U.S. Department of Treasury.

Tax Compliance Workshop Series
2026-02-06 17:00 - 19:00 | 8400 W. Sunset Rd #300, 8400 W Sunset Rd #300, Las Vegas, NV, 89113, United States
Session #1
2026-02-06
5:30 PM
– 7:00 PM (PST)

Session #2
2026-02-13
5:30 PM
– 7:00 PM (PST)

Session #3
2026-02-20
5:30 PM
– 7:00 PM (PST)

Session #4
2026-02-27
5:30 PM
– 7:00 PM (PST)

Session #5
2026-03-06
5:30 PM
– 7:00 PM (PST)

Ready to take your business to the next level? Join us for an engaging session packed with valuable insights on the critical legal and financial steps for starting and growing your business. Learn the difference between business and personal taxes, maintain accurate records, select the ideal business structure, and more!
Gain essential knowledge on federal employment tax rules, classifying workers, payroll management, and common federal tax credits for small businesses. Don’t miss this chance to set your business up for success—register today!
Week 1: Income Tax Basics for Small Businesses
Week 2: Income, Expenses, and Accurate Recordkeeping
Week 3: Self Employment Tax, Payroll & Owner Pay
Week 4: Filing Requirements, Forms & Deadlines
Week 5: Tax Planning, Credits, and Working With Professionals
Carmen L. Mendez is a seasoned business executive and tax educator with over 20 years of experience supporting small businesses. She brings hands-on tax leadership from H&R Block, where she managed more than 300 tax professionals across a major metropolitan market and worked directly with small business owners on tax compliance, deductions, and year-round planning. Known for simplifying complex tax topics, Carmen teaches practical, easy-to-follow tax courses designed to help small business owners understand their tax responsibilities, avoid costly mistakes, and make smarter financial decisions.Luis Caldera is a seasoned tax and business professional with many years of experience in personal and corporate tax preparation. He brings extensive expertise in bookkeeping, business administration, and business licensing, helping clients stay compliant while building strong financial foundations. Luis has significant experience working with construction businesses, including construction-specific business licensing, and understands the regulatory and financial challenges unique to the industry. Known for his accuracy, reliability, and client-focused approach, Luis is dedicated to helping individuals and businesses operate efficiently, minimize risk, and achieve long-term success.

Credit Consulting Basics for Small Business Owners
2026-02-10 11:00 - 12:00 | ONLINE, STATEWIDE, NV, United States
Credit Consulting Basics for Small Business Owners
Credit Consulting Basics for Small Business Owners is a foundational, easy-to-follow workshop designed to help entrepreneurs understand how credit works and why it matters for business success. Participants will learn the fundamentals of personal and business credit, how credit scores are calculated, how to read a credit report, and practical steps to improve and repair credit. This session breaks down complex credit concepts into simple, actionable steps so business owners can begin strengthening their credit immediately and position themselves for financing, growth, and long-term stability.
Workshop Overview Topics:

The difference between personal credit and business credit
Why credit matters for loan approvals, interest rates, and vendor terms
Understanding credit scores (FICO vs. VantageScore) and score components
How to read and understand a credit report
Common credit report errors and how to document them and how to dispute issues
Basic steps to establish and build business credit
Creating a simple credit improvement action plan

Key Learning Outcomes:

Understand how personal and business credit work and how they differ
Gain confidence reading and reviewing credit reports
Identify common credit errors and know how to dispute them correctly
Learn which actions improve credit scores the fastest
Develop practical strategies to repair and rebuild credit
Create a clear, realistic action plan to improve credit over time

Meet the Presenter:
Darlene Rose-Shults has owned and operated her own business for nearly a decade and leverages her experiences to help entrepreneurs reach their goals through business planning, identifying new markets, developing and pivoting to in-demand products and services, and growing sales through social and other media. She has a passion for assisting business owners with creating business plans, understanding their credit and creating plans for better business operations. Darlene has an MBA, and her pre-entrepreneur career in higher education gives her the ability to keep clients on task and provide structured advising with demonstrable outcomes.

Financial Foundations: Master Your Numbers in Two Nights
2026-02-24 17:30 - 19:00 | ONLINE, STATEWIDE, NV, United States
Session #1
2026-02-24
5:30 PM
– 7:00 PM (PST)

Session #2
2026-02-25
5:30 PM
– 7:00 PM (PST)

Take control of your business finances with this engaging two-night training focused on understanding your balance sheets, P&L, and more. In this hands-on workshop, you’ll break down key financial concepts into simple, practical terms you can immediately apply to your business. Learn how to read, interpret, and use your financial statements to make smarter decisions and strengthen your financial health. Join us to gain the clarity you need to manage your money with purpose and move your business forward with confidence.
Kathy has over 25 years of experience in small business development as a highly successful entrepreneur as well as a sought-after advisor and trainer by those in all stages of business ownership. Her areas of expertise include business plan counseling, marketing, strategic planning, economic development and business education and training. With over 10 years in banking and other types of financial institutions, Kathy has assisted businesses in financial planning and access to capital through alternative lending sources. Kathy serves as a part-time business advisor and trainer for the Nevada SBDC primarily in Douglas County, Carson City and surrounding areas.
