SCORE Coastal Carolina

SCORE Coastal Carolina Coastal Carolina SCORE 660

Crystal Coast provides free, confidential business advice and counseling tailored to meet the needs of your small business.

Coastal Carolina SCORE, located on NC's Crystal Coast, provides free, confidential business advice and counseling tailored to meet the needs of your small business and your personal objectives. For a modest fee Crystal Coast also offers workshops for start-up and in-business entrepreneurs.

Operating as usual


Cedar Point and Jacksonville SCORE Roundtables are canceled until December 1. Have a happy Thanksgiving and enjoy time with your family and friends, but be safe and responsible while doing so.

Small Business Saturday happens this Saturday, November 28.  Local Small Businesses give back to our community more than...
10 Ways Small Businesses Benefit the Local Community

Small Business Saturday happens this Saturday, November 28. Local Small Businesses give back to our community more than we realize. A study commissioned by American Express in 2018 showed that 67 cents of every dollar spent at a local small business stayed in the community. But there are more ways as well. See what Paul Nugent, a small business advocate, said about 10 ways small businesses help the local community. So get out there this Saturday and "Shop Big while you Shop Small!"

The benefits of small businesses on a local community are profound. Here are 10 examples to prove it.

COMING EVENTS—National Veterans Small Business Week November 2 through November 6Join the Small Business Administration ...
Financial Strategies for Women Veteran Entrepreneurs

COMING EVENTS—National Veterans Small Business Week November 2 through November 6

Join the Small Business Administration as it celebrates veterans in business through the National Veterans Small Business Week. This year’s theme is #VetBiz Resources in Your Local Community which highlights the breadth of free to low-cost entrepreneurial resources that veteran and military entrepreneurs can access right in their neighborhood – from seeking business counseling services from a local SCORE chapter, to visiting the Veterans Business Outreach Center (VBOC) in their area for help formulating a business plan.
Each day during NVSBW, the SBA will highlight different topics related to the veteran entrepreneurship journey:
o Monday, November 2: Transition Assistance
o Event: “Transitioning from Service to Startup” Facebook video with SBA experts. The video will be published on the Boots to Business page ( at 1 p.m. ET.
o Tuesday, November 3: Entrepreneurial Training
o Event: “Resources for Entrepreneurship Training” Twitter chat with the Institute for Veterans and Military Families (IVMF) at 1 p.m. ET. Join the conversation on the IVMF Twitter Page ( and use #IVMFTwitterChat in all responses
o Wednesday, November 4: Government Contracting
o Event: “Arming Vets to WIN in the Federal Market” webinar with the Veteran Institute for Procurement at 1 p.m. ET. Register here (
o Thursday, November 5: Disaster Assistance
o Event: “Leveraging Your Network and Resources” webinar with the Institute for Veterans and Military Families at 1 p.m. ET. Register here (
o Friday, November 6: Access to Capital
o Event: “Financial Strategies for Women Veteran Entrepreneurs” webinar with LiftFund at 1 p.m. ET. Register here (

Join LiftFund and the U.S. Small Business Administration (SBA) for a webinar to discuss financial strategies for women veteran entrepreneur


We're here at SCORE to help and cheer you on to success as a small business. Small businesses are being severely impacted by the rules put in place to slow the infection. But what's at stake is more than just physical well-being.

We understand that you have put your heart and soul into founding and growing your business with the goal of being your own boss, living your dream, and providing for your family. We also understand that your business also provides a living for your employees as well.

Many businesses have had to change their day to day strategy to accommodate the new distancing requirements that have meant dealing with lower customer volume and different ways of bringing your product or service to market. It's forced you to think outside of the box, and in many respects, you've felt like you had the weight of the world on your shoulders.


SCORE small business roundtables provide a great forum for sharing and discussing your challenges with other small business owners facing similar situations. And if you feel uncomfortable discussing your concerns in a public setting, your SCORE Roundtable facilitator can provide free counsel and advice to you on possible solutions to your dilemma. It's all "free", courtesy of resources provided through the Small Business Administration.

So make arrangements to join the next virtual roundtable. Each week, the Coastal Carolina Chapter of SCORE facilitates three events. Tuesday and Wednesday at 8 a.m. and Friday at 11 a.m.

Hope to see you then!!


Wake up out there, Jacksonville, NC. SCORE mentoring is available in your community. SCORE is a national network of volunteers who have experience in the private sector in many areas and are passionate about sharing their experiences with others interested in starting a business or growing an existing one.

Friday, May 29 from 11 a.m. to noon there will be a small business round table over Zoom that you are invited to. Contact [email protected] for connection information.

Attendance and participation is FREE!!


By now, we hope everyone realizes we're in Phase II of the Covid 19 relief effort. In North Carolina, that means we can look for somebody to cut our hair, and, maybe, someplace to take our significant other out to eat where nobody has to do dishes.

Unfortunately, a number of our small businesses are still left out. This needs to get fixed while they still have businesses to return to.

If you're curious about the rules for restaurants, here's the link:


The SCORE small business round tables in Cedar Point and Morehead City continue to attract small business owners and those interested in starting a new business. At the moment, both of these events are held weekly through a ZOOM meeting from 8 a.m. to 9 a.m.

Cedar Point meets Tuesday morning; Morehead City meets Wednesday morning.

If you're interested in attending one of these, send us your business email address and contact information and we'll send you the link.

There still may be money available for the Paycheck Protection Program.  NC District Office of SBA is sponsoring a webin...
Event Services - Conferencing Outside the Lines

There still may be money available for the Paycheck Protection Program. NC District Office of SBA is sponsoring a webinar Tuesday, May 12.

From: Thomas A. Stith III
District Director
NC District Office

In wake of the COVID-19 disaster declaration, the SBA North Carolina District Office has been working tirelessly to ensure details regarding SBA's disaster assistance programs are distributed to the citizens of North Carolina.
SBA North Carolina District offers
2nd Paycheck Protection Program Webinar

The NC District Office is pleased to announce a second webinar focused on the Paycheck Protection Program (PPP).

You are welcome to join District Director Thomas A. Stith III and members of the district staff on Tuesday, May 12, 2020 from 9 a.m. to 10 a.m.

This event will focus on how eligible small businesses and nonprofits (including faith-based organizations) can apply for the PPP loan to keep their workforce employed during the COVID-19 disaster.

PPP funds are still available so be sure to join us for this presentation with question and answer session.

Register now:

SBA PPP home page:

Treasury Department PPP home page:

Interim Final Rules
Frequently Asked Questions
How to Calculate Loan Amounts

EIDL Inquiries:

If your clients have questions regarding their EIDL application, please be aware that the district office does not have access to the disaster loan database. Such inquiries must be directed to:

SBA Disaster Customer Service Center at 1-800-659-2955 or
TTY 1-800-877-8339 or
Email [email protected].

NC Based Lenders Offering PPP Loans:
NC PPP Lenders

Fintech Companies Participating in PPP Loans:
Fintech Companies Participating in PPP

Join the NC District Office for a webinar on the Paycheck Protection Program. This webinar is intended to provide information to small business owners and nonprofits (including faith-based organizations).who have not yet applied for a PPP loan


Many of you were unsuccessful in gaining any of the hundreds of billions of dollars intended to provide relief to small businesses during this Covid 19 Pandemic Crisis. Unfortunately, the money intended to provide some relief for small businesses in the form of the Disaster Loans and the Paycheck Protection Program (PPP) ran out the 16th.

GOOD NEWS, though!! Congress has appropriated additional money and President Trump signed the appropriation into law this past Friday. US Department of Treasury stated that the additional money should be available Monday April 27.


Here’s the announcement I received in my email from the NC offices of the SBA regarding this program:


SBA COVID-19 Disaster Assistance
By: Thomas A. Stith III
District Director
NC District Office

In the wake of the COVID-19 disaster declaration, the SBA North Carolina District Office has been working tirelessly to ensure details regarding SBA's disaster assistance programs are distributed to the citizens of North Carolina.

Please take this opportunity to review the below messages regarding the newly signed Paycheck Protection Program.

Resumption of the Paycheck Protection Program
President Trump has signed legislation, passed by the U.S. Congress, that will provide an additional $484 billion in funding for various COVID-19 related programs. Of the total, $310 billion will go to replenish the Paycheck Protection Program (PPP) while $60 billion will replenish the Economic Injury Disaster Loan (EIDL) program.

In order to ensure under-served communities are not overlooked, the legislation authorizes appropriations as follows:
• At least $30 billion available for banks and credit unions between $10 - $50 billion in assets; and
• At least $30 billion available for banks and credit unions with less than $10 billion in assets, as well as community financial institutions.

The legislation includes funding to enable smaller types of businesses to access funding that may not have been obtainable previously.
To that end, the SBA North Carolina District Office has provided a listing of North Carolina-based banks, credit unions, and community development financial institutions participating in PPP based on asset-size categories. The listing will be updated as new lenders come on board.

In addition to North Carolina-based PPP lenders, the SBA continues to maintain its general listing of lenders. This listing includes lenders active in SBA lending during the past fiscal year and includes many notable lenders not based in North Carolina.

The Disaster Relief Loans need to be applied for directly through the SBA. The link for the application page is If approved, money will be deposited directly into your business’s checking account.

The Paycheck Protection Plan must be applied for through your bank. I highly recommend you go first to the bank that manages your business banking. If your bank participates, they will be able to sort any issues out with your application since they have specific call center contacts to work with.
Depending on your circumstance, there may be other programs you can qualify for to help keep the lights on.

Again, check first with your business banker. If that does not help, reach out to the Small Business Center at your local community college or contact the SBA at the NC District Office.

SCORE is here to help small businesses through these unprecedented times.If you are looking for ways to give back - SCOR...
Why Join SCORE?

SCORE is here to help small businesses through these unprecedented times.

If you are looking for ways to give back - SCORE needs your help. Our work depends on our amazing volunteers. We are proud to help small businesses, and would love to have you as part of our team. Learn more.

Why Volunteer with SCORE
You can help make dreams come true, while enriching your life. Here are just a few of the benefits of joining our great network of volunteers:

Feel good knowing you helped someone achieve their goals
Give back to your community by helping small businesses thrive
Become a recognized leader in your local business community
Make new friends and network with SCORE volunteers & leaders
Grow professionally and personally with SCORE's training programs

Are you interested in volunteering with SCORE, but don’t think mentoring is the best role for you? There are many ways that you can help. No matter your expertise or amount of time you have to donate, we welcome your assistance.

Please note, following CDC guidance, all SCORE operations are currently open remotely. You can still submit your online application and start volunteering from home. We look forward to meeting you in-person when normal operations are able to resume!

Volunteering with SCORE offers many benefits including networking opportunities with local business experts, local and national recognition, and continuing education and business training opportunities. Learn more about becoming a SCORE volunteer.

Businesses all over the country are shedding workers do to stay at home orders and guidance and designations by the gove...
Coronavirus (COVID-19): Small Business Guidance & Loan Resources

Businesses all over the country are shedding workers do to stay at home orders and guidance and designations by the government that identify "Essential Businesses." Part of the recent 2 trillion dollar relief legislation provided "paycheck protection" that could be used to keep the payroll of these businesses more stable in this time of uncertainty. You can learn more about this program through the SBA at Better still these loans can be forgiven in part if the employer meets certain standards in keeping the current workforce.

go to for more information.

Health and government officials are working together to maintain the safety, security, and health of the American people. Small businesses are encouraged to do their part to keep their employees, customers, and themselves healthy.


President Trump announced a program to assist small businesses impacted by the Corona Virus. We are already seeing event cancellations here on the NC Coast as a result of the need to reduce close human contact. Many small businesses in this area depend on tourists to kickstart their business into the summer months. Reach out to one of us at Crystal Coast SCORE at Carteret Community College in Morehead City. Our volunteer members serve Carteret County, Craven County, Beaufort County, Jones and Onslow County. Our services are generally free, and we love to be able to tell success stories about area small businesses that we had the privilege of helping.

From SCORE National Headquarters--

March 12, 2020

Distribution: All SCORE Volunteers and Staff

SBA To Provide Small Businesses Impacted by Coronavirus (COVID-19) Up to $2 Million in Disaster Assistance Loans

SBA Administrator, Jovita Carranza, issued the following statement today in response to the President's address to the nation:

"The President took bold, decisive action to make our 30 million small businesses more resilient to Coronavirus-related economic disruptions. Small businesses are vital economic engines in every community and state, and they have helped make our economy the strongest in the world. Our Agency will work directly with state Governors to provide targeted, low-interest disaster recovery loans to small businesses that have been severely impacted by the situation. Additionally, the SBA continues to assist small businesses with counseling and navigating their own preparedness plans through our network of 68 District Offices and numerous Resource Partners located around the country. The SBA will continue to provide every small business with the most effective and customer-focused response possible during these times of uncertainty."

Process for Accessing SBA's Coronavirus (COVID-19) Disaster Relief Lending

The U.S. Small Business Administration is offering designated states and territories low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19). Upon a request received from a state's or territory's Governor, SBA will issue under its own authority, as provided by the Coronavirus Preparedness and Response Supplemental Appropriations Act that was recently signed by the President, an Economic Injury Disaster Loan declaration.

Any such Economic Injury Disaster Loan assistance declaration issued by the SBA makes loans available to small businesses and private, non-profit organizations in designated areas of a state or territory to help alleviate economic injury caused by the Coronavirus (COVID-19).

SBA's Office of Disaster Assistance will coordinate with the state's or territory's Governor to submit the request for Economic Injury Disaster Loan assistance.

Once a declaration is made for designated areas within a state, the information on the application process for Economic Injury Disaster Loan assistance will be made available to all affected communities.

SBA's Economic Injury Disaster Loans offer up to $2 million in assistance and can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing.

These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can't be paid because of the disaster's impact. The interest rate is 3.75% for small businesses without credit available elsewhere; businesses with credit available elsewhere are not eligible. The interest rate for non-profits is 2.75%.

SBA offers loans with long-term repayments in order to keep payments affordable, up to a maximum of 30 years. Terms are determined on a case-by-case basis, based upon each borrower's ability to repay.

SBA's Economic Injury Disaster Loans are just one piece of the expanded focus of the federal government's coordinated response, and the SBA is strongly committed to providing the most effective and customer-focused response possible.

For additional information, please contact the SBA disaster assistance customer service center. Call 1-800-659-2955 (TTY: 1-800-877-8339) or e-mail [email protected].
Copyright © 2020. All Rights Reserved.


3615 Arendell Street
Morehead City, NC

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00


(252) 222-6126


Small Business and Entrepreneurship Counseling. Small Business Networking.


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Don't forget this weeks business roundtable in Cedar Point. We meet in the council chambers of the town hall from 8 a.m. to 9 a.m. every Tuesday.
Hope everybody can make the roundtable in Cedar Point Tuesday. Lots of great discussion. Lots of great people. Come take some time to work ON your business.
Small Business Roundtable -- Cedar Point Town Hall July 17 8 a.m. to 9 a.m. Facilitated by the Coastal Carolina SCORE chapter. Attendance is free. Come talk with your peers and exchange ideas about your business and the opportunities and challenges you are facing.
The small business roundtable in Cedar Point will be meeting tomorrow, July 10 from 8 a.m. to 9 a.m. in the Cedar Point Town Hall. Stop by and join the discussion with other area small business owners. Take time to work on your business so you have a better chance for working in your business. See you there!!
Come join the SCORE sponsored business roundtable Tuesday, June 26 from 8 to 9 a.m. Great discussions to learn how to do a better job working on your business so that you can do better in your business.
Come learn how coopetition and partnering can help you business grow at the Small Business Roundtable in Cedar Point, NC this week. we meet each Tuesday from 8 a.m. to 9 the Cedar Point Town Hall. 427 Sherwood Ave, Cedar Point, NC 28584