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Small Biz Bulletin - September 2022

Jimmy Rhee

Message from Special Secretary Rhee

On September 21st, my team will host a live Ready, Set, GROW! Procurement Connections Workshop at Horseshoe Casino in Baltimore. After a two-year hiatus, I am very happy that we can once again put procurement officers in the same room with small, minority, women, and veteran entrepreneurs who want to perform in the state contracting arena. There is no other program like the Ready, Set, GROW! workshop. You'll be able to talk with buyers from 12 state agencies, including:  Housing and Community Development, Juvenile Services, State Police, Health, Public Safety & Correctional Services, Environmental Services, University of Maryland, the Transit Administration, Transportation Authority, Motor Vehicle Administrating, Port Authority, and State Highway Administration. In the past, we drew approximately 125 small business owners and entrepreneurs to this free business development event. I hope we see even higher participation this year. Sharpen up your capability statement and bring a fist full of business cards. Maryland is open for business and we look forward to seeing you at the Ready, Set, GROW! Procurement Connections Workshop. 

Jimmy Rhee
Special Secretary

Ready, Set, GROW! Procurement Connections Workshop

SSBCI Chart 2022

For Your Information

State Small Business Credit Initiative Receives New Funding

Governor Hogan recently announced a $198 million infusion of federal relief funds for the State Small Business Credit Initiative (SSBCI). The funds will be used to expand and enhance nine existing state business lending and investment programs. These programs support businesses with limited opportunities for growth, whether due to the pandemic or historic disinvestment. Maryland’s statewide SSBCI initiatives will target communities and areas with a high concentration of small, micro, and Socially and Economically Disadvantaged Individual (SEDI) businesses. The funding will be administered by three state agencies: the Maryland Department of Housing and Community Development (DHCD), the Maryland Department of Commerce, and the Maryland Technology Development Corporation (TEDCO). Use the link below to learn more about the funding and how to apply. 

Maryland's SSBCI Program

Join us at Ready, Set, GROW! on 9/21 and talk with state
representatives about access to the new SSBCI funding. 


Woman Attending Webinar 1

Small Business Training Webinars

Registration is now open for the September session of our Technical Training Classroom webinar series.  We offer two great sessions each month on a variety of topics specifically curated for small, minority, women, and veteran-owned businesses that want to perform in the state contracting arena. The classes are free, you just need to register in advance to receive the participation link. 

If you missed last month's classes, you can download the accompanying slide decks by visiting the the Technical Training Classroom page of our website, or check out our YouTube Playlist to view any of the recorded sessions over the past year.

Technical Training Classroom
Technical Training Classroom YouTube Playlist

WVE Logo

Davis to Join Woman Veteran Entrepreneur Advisory Board

Danielle Davis, Compliance Manager for Maryland's Veteran-Owned Small Business Enterprise Program (VSBE), has been appointed to serve on the Women Veteran Entrepreneur (WVE) of Color Advisory Board. In this role, Danielle will assist with planning, promoting, and executing the 2022-2023 Women Veteran Entrepreneurs of Color Initiative. The initiative encompasses a conference, entrepreneurial boot camp, podcasts, webinars, and a variety of small business training programs. WVE is a component of the Women Owned and Managed Enterprise Network (WOMEN) operated by the Morgan State University Entrepreneurial Development & Assistance Center. Danielle joined the Governor's Office of Small, Minority & Women Business Affairs in November, 2021 and serves as the first VSBE Compliance Manager in the program's history. 

Women Veteran Entrepreneur (WVE) of Color


Sports Wagering

Sports Wagering Regulations -
Opportunity for Public Comment

Maryland is working to expand sports wagering operations statewide. The Sports Wagering Application Review Commission (SWARC) will conduct a competitive process to award up to 20 Class B retail licenses and up to 60 mobile licenses. The proposed regulations governing this process were published in the Maryland Register on August 26, 2022 and written comments will be accepted through September 26, 2022. Public comments will be accepted during a public meeting on September 9, 2022 at the Montgomery Park Business Center starting at 11 am. Individuals who are interested in this new industry are highly encouraged to review the proposed regulations and share their comments, in writing or in person. 

Proposed Regulations (Maryland Register August 26, 2022)
SWARC Public Comment Meeting

Save the date calendar page

Networking & Training Events

Stay connected to the many opportunities for training, networking, and business development that are taking place across Maryland and on virtual platforms. Here is a highlight of some of the events coming up this month. 

09/06/2022 - MBE Application Assistance Workshop
09/07/2022 - Introduction to eMMA for Vendors
09/07/2022 - Liens and Lessons Learned
09/12/2022 - TEDCO's Tech Fair
09/13/2022 - Increasing Your Visibility on eMMA
09/15/2022 - Multi-Chamber Fall Bash
09/18/2022 - 2022 National MED Week: Minority Enterprise Development
09/20/2022 - Maryland Innovation Center End of Summer Bash
09/21/2022 - Ready, Set, GROW! Procurement Connections Workshop
09/21/2022 - 5th Annual BioHealth Capital Region Investment Conference
09/27/2022 - Strategies for Business Networking
09/28/2022 - Responding to Solicitations in eMMA
09/29/2022 - State Procurement 101

Check out the full listing of small business events online at

We Want You

We Want You!

We continually share information curated specifically for small, minority, women, and veteran-owned businesses on our social media platforms. We'll inspire you with our #MotivationMonday series and connect you to a broad range of small business resource organizations. We also share information about loan programs and funding opportunities as well as small business events and training programs. Please join our social media community and follow us on Facebook and Twitter. 


Maryland is OPEN for Business. As a coordinating office for Governor Larry Hogan, the Governor's Office of Small, Minority & Women Business Affairs connects small, minority, women, and veteran-owned businesses to greater economic opportunities. Learn more by visiting our website at goMDsmallbiz.maryland.gov and connect with us on Facebook and Twitter @goMDsmallbiz.

u s small business administration



Release Date: August 23, 2022

Release Number: 22-66

Contact: Press_Office@sba.gov www.sba.gov/news
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SBA Administrator Guzman Announces Grant Awardees for New Pilot Program to Bolster Cybersecurity Infrastructure for Emerging Small Businesses

SBA Awards Nearly $3M in Grants to Help Arkansas, Maryland, and South Dakota Entrepreneurs Combat Rise in Cyberattacks and Threats

WASHINGTON – Today, Administrator Isabella Casillas Guzman, head of the U.S. Small Business Administration (SBA) and the voice for America’s 33 million small businesses in President Biden’s Cabinet, announced nearly $3 million in new funding for three state delegates to help emerging small businesses develop their cybersecurity infrastructure. Arkansas, Maryland, and South Dakota representatives are receiving grants that will help deliver cybersecurity assistance to nascent and startup business owners as part of the SBA’s Cybersecurity for Small Business Pilot Program.

“Cybersecurity is increasingly critical for small businesses and startups as they face rising challenges and cyber risks that could disrupt their operations. As we seek to build a stronger and more inclusive entrepreneurial ecosystem, we must innovate and provide resources to meet the growing, evolving needs of our diverse small businesses. With this new funding opportunity, the SBA is leveraging the strengths across our state governments, territories, and tribal governments to provide services to help small businesses get cyber ready and, in the process, fortify our nation’s supply chains,” said SBA Administrator Guzman.

Awarded States and Institutions are:

Arkansas – Forge Institute – $999,650.66

Maryland – Department of Commerce – $930,155.00

South Dakota – Dakota State University – $999,933.00

“This pilot program catalyzes our efforts to help small businesses combat cybersecurity threats,” said SBA Associate Administrator for the Office of Entrepreneurial Development Mark Madrid. “These grants empower state governments to innovate, develop new resources, and scale solutions to protect more small businesses from harmful cyberattacks.”

About the Cybersecurity for Small Business Pilot Program

Cyberattacks are a growing threat to small businesses and the U.S. economy. According to the FBI’s Internet Crime Report, the cost of cybercrimes against the small business community reached $2.4 billion in 2021.

Small businesses are attractive targets because they have information that cybercriminals want, and they typically lack the security infrastructure of larger businesses.

According to an SBA survey, 88% of small business owners felt their business was vulnerable to a cyberattack. Yet many businesses can’t afford professional IT solutions, have limited time to devote to cybersecurity, or don’t know where to begin.

The Federal budget for the Cybersecurity for Small Business Pilot Program for 2021-2022 is $3,000,000. SBA awarded three awards, with no single award exceeding $1 million. The period of performance for this award is one-year (12 months).

To learn more about SBA’s programs and services related to cybersecurity, visit  www.sba.gov/cybersecurity.

To find additional SBA local resources, visit www.sba.gov/local-assistance.


About the U.S. Small Business Administration

The U.S. Small Business Administration helps power the American dream of business ownership. As the only go-to resource and voice for small businesses backed by the strength of the federal government, the SBA empowers entrepreneurs and small business owners with the resources and support they need to start, grow or expand their businesses, or recover from a declared disaster. It delivers services through an extensive network of SBA field offices and partnerships with public and private organizations. To learn more, visit www.sba.gov.

CRA Baltimore Coalition Members to Attend

2022 National Black and Latino Economic Summit



CRA Baltimore is a coalition working to localize CRA Investments and hold banks accountable for their CRA work in Baltimore City. We act as a watchdog group committed to ensuring that Baltimore City and all Black and Latino communities receive a fair share of CRA investments from the top banks in the region.

The CRA Baltimore has been holding regular meetings with the following banks: TRUIST, M&T, PNC, Bank of America to discuss goals and benchmarks for lending to Black and Latino Businesses under the leadership of Al Pina. Al passed away suddenly in April. However, he planned this meeting and we in Baltimore have been invited to honor his work and legacy and to continue the work he started. Al planned this summit before he passed.

Click image for info.

USBC Explores International Business Opportunities in Morocco

[July 29, 2022] WASHINGTON – USBC President Ron Busby took a weeklong dive into international business development at the invitation of the Moroccan government and the Moroccan American Network. The multi-city tour coincided with the US-Africa Business Summit in Marrakech, which featured delegates from practically every African nation and many American companies interested in expansion to the African continent.

“Our goal – as always – is increasing business opportunities for Black-owned businesses,” said Busby, “whether those opportunities are across the street or across the ocean. Though doing business internationally is not feasible for every business owner, there are legitimate opportunities across the globe, and it is our responsibility to help position Black businesses for those opportunities.”

The opening session of the US-Africa Business Summit featured a videotaped welcome message from Vice President Kamala Harris, representatives of Moroccan King Mohammad VI, the Corporate Council on Africa and the head of the African Development Bank. Breakout sessions covered agriculture, healthcare, energy, entrepreneurship, transportation, logistics, infrastructure and a wide range of social issues that impact business.

Joined by USBC Board Chairman Charles O’Neal and Elhajjam Mohamed, founder of Moroccan American Network and Morocco Day, Busby opened discussions with foreign service veteran US Consul General Lawrence Randolph. Randolph, a Morehouse College graduate, was upbeat about prospects for business opportunities in Morocco. Senior Commercial Specialist Kenza El Amrani joined in our discussions.

Following opening day activities, the first of a series of meetings and press events with Moroccan government officials began, significantly with Mohcine Jazouli, Minister Delegate for Investments, then a brief meeting with Minister of Economy and Finance Nadia Fettah Alaoui among others. A number of these meetings were widely publicized on Moroccan television, in newspapers and across social media. In fact, our guide for the day, Ahmed Larouz, came home to Marrakech from Amsterdam because he learned the USBC would be in attendance!

The next day was huge! The USBC was hosted by the Prime Minister, His Excellency Aziz Ahhannouch for a wide-ranging discussion of opportunities, the planned 2023 Morocco Day and an exchange of proclamations cementing relations between Morocco and the USBC. This was a significant Black History moment!

From Casablanca to Rabat to Marrakech and on to Agadir for the final day of meetings with Souss Massa (region) chamber of commerce president Said Dor and a formal meeting with Karim Achengli, president of the Souss Massa Regional Council. Agadir, coastal resort city and home of Prime Minister Akhannouch, will be the host city for Morocco Day 2023.

“We are optimistic for the future of business opportunities for USBC members who desire to do business on the African continent,” Busby said. “Morocco is a financial giant on the continent with strong banking ties to 39 nations and is considered to be the Gateway to Africa. We are working hard to ensure that Morocco is the gateway for America’s Black-owned businesses to access opportunities in Africa.”


About the U.S. Black Chambers, Inc.

The U.S. Black Chambers (USBC) is the voice of Black business owners and a top advocate for resources and policies that impact Black business owners. To learn more visit: www.usblackchambers.org

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GBBCC Participates in Roundtable with SBA USBC in March

Leaving the Black Business Footprint at the DC Capital - USBC National Conference, July 15, 2022,

(left to right):  Alicea Gay, the Voice USBC's ByBlack Initiative, Debra Keller-Greene, GBBCC Board Chair, and USBC's VP Alisa Joseph.  

From the USBC:

Senate Confirms Judge Ketanji Brown Jackson to Supreme Court in Historic Vote


[April 8, 2022] Washington, D.C. - Today, U.S. Black Chambers, Inc. (USBC) applauds the Senate on confirming Judge Ketanji Brown Jackson to the Supreme Court in a historic vote today. Judge Jackson is the first African American woman confirmed to the highest court in the land by the U.S. Senate. 


Judge Ketanji Brown Jackson received a standing ovation from her supporters in the Senate with Vice President Kamala Harris, presiding over the monumental confirmation, with a 53-47 bipartisan vote.


"Judge Ketanji Brown Jackson's confirmation is a historic moment for this country," said Ron Busby, Sr., President & CEO of USBC. "As a trailblazer and the first Black woman to serve on the Supreme Court, I am confident she will bring sound judgment and make tough decisions to advance our nation's principles of equality and justice."

Photo: This morning, Ron Busby Sr., USBC President & CEO, attended a special swearing in ceremony of Judge Brown Jackson into the U.S. Supreme Court - a historic moment in history! Follow us on social media to view more.

The USBC is proud to have joined other organizations in supporting her nomination and confirmation. Today’s vote represents a significant step forward for diversity in the courtroom, and underscores the importance of our work to ensure diverse representation at all levels of government, corporate America and entrepreneurship.


We thank President Joe Biden for nominating Judge Ketanji Brown Jackson and congratulate her on this lifetime appointment.

u s small business administration



Release Date: March 1, 2022

Release Number: 22-15

Media Contact: Press_Office@sba.gov
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Statement by SBA Administrator Guzman on President Biden’s State of the Union Address

WASHINGTON –  Administrator Isabella Casillas Guzman, head of the U.S. Small Business Administration (SBA) and the voice for America’s 32.5 million small businesses in President Biden’s Cabinet issued today the following statement after President Joseph R. Biden’s State of the Union address:

“Tonight, President Biden delivered a bold vision to the American people of an economy centered around families, workers, and small businesses. Our Union is strong and growing even in the face of major challenges, thanks to the hard work of the American people and significant policy achievements in the first year of the Biden-Harris Administration. Thanks to President Biden’s American Rescue Plan and a successful vaccination program, entrepreneurship has rebounded and is on the rise, and our economy is growing at the fastest pace in nearly 40 years. More Americans are opening new businesses – more than 5.4 million last year alone – and our Main Streets and industrial and manufacturing centers are open and flourishing. And as a result of the Infrastructure Investment and Jobs Act, small businesses will soon have access to new contracting opportunities to help rebuild our nation’s roads and bridges, enabling us to move goods faster to market and strengthen our supply chains.

“While the historic economic progress made is evident, the President has laid out a plan to continue rebuilding our economy towards resilience and sustainability and lowering costs for American families and small businesses. I look forward to working with President Biden and the entire Administration to continue promoting policies that will help small businesses thrive, strengthen our supply chains, and eliminate barriers to good-paying jobs for American workers. We must promote fair competition that will give small business owners opportunities to compete with larger companies for business both here in America and with consumers across the world.

“The future for American small businesses looks bright and at the SBA we’ll continue to work to help entrepreneurs to face down market challenges and to access the capital and resources they need to start, grow, and thrive.”


About the U.S. Small Business Administration

The U.S. Small Business Administration helps power the American dream of business ownership. As the only go-to resource and voice for small businesses backed by the strength of the federal government, the SBA empowers entrepreneurs and small business owners with the resources and support they need to start, grow or expand their businesses, or recover from a declared disaster. It delivers services through an extensive network of SBA field offices and partnerships with public and private organizations. To learn more, visit www.sba.gov.

Maryland State Directory of New Hire


Report new hires

Employers must re-report returning employees as new hires.

All new and returning employees must be reported within 20 days of hire or returning to work.

New hire reporting helps children and families get the child support they need. 
It also helps detect fraud in the unemployment system. 

Reporting new hires online has many benefits:

  • Fast and secure online entry or upload
  • Reports are more accurate, reducing the need to resend reports later

  • It's FREE! No more paper, postage or other material costs!

The Maryland State Directory of New Hire is available to take your new hire reports via our website MD-newhire.com

Phone: (888) 634-4737 | Fax: (888) 657-3534


State of Maryland Financial Resources & Services 

Department of Human Services Resources & Financial Assistance



The Maryland Department of Human Services (DHS) is the state’s primary social service provider. Our mission is to aggressively pursue opportunities to assist people in economic need, provide prevention services, and protect vulnerable children and adults.

DHSs website, https://dhs.maryland.gov/, hosts a wealth of information about the agency’s many services and programs, as well as additional resources, for Maryland families and individuals in need of assistance:

• DHS offers several financial assistance options to support individuals and families experiencing trying times. If eligible, you can receive cash assistance for rent, utilities, and many other emergency financial burdens.


• You do not have to weather the tough times alone. DHS services include, financial, medical, and more. Learn more at  https://dhs.maryland.gov/weathering-tough-times/.

• The Department of Human Services is providing updated information to Marylanders regarding our services, operations, and other important resources during the COVID-19 pandemic. Stay informed by visiting our Coronavirus Covid-19 Resources web page at https://dhs.maryland.gov/coronavirus-covid-19-resources/.

myDHR/myMDTHINK Consumer Portal

Marylanders can get information, apply for DHS programs and services, and check the status of applications online at  mydhrbenefits.dhr.state.md.us/dashboardClient/#/home

SupplementalNutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), formerly known as food stamps, helps low-income households buy healthy food. Click here to download the Income Guidelines. Apply online: Go to https://mydhrbenefits.dhr.state.md.usPeople who have little or no money may qualify for SNAP benefits right away.
TemporaryCash Assistance (TCA) TCA provides temporary cash assistance to families with dependent children. TCA also prepares participants for independence through work programs. Click here to download the Income Guidelines. Apply online: Go to https://mydhrbenefits.dhr.state.md.us/ to file your application.
Officof Home Energy Assistance Programs (OHEP) OHEP offers help to Marylanders who are facing potential energy shut-offs or having difficulty paying their energy bills. You do not need a turn-off notice to qualify for assistance; eligibility for energy assistance is based on your income. Please also contact your Local Home Energy Program Office at https://dhs.maryland.gov/office-of-home-energy-programs/local-home-energy-program-office/  to speak to a dedicated OHEP specialist who will guide you through all your options for energy assistance. Learn more about energy assistance at  https://dhs.maryland.gov/office-of-home-energy-programs/
Emergency Cash Assistance to Families with Children (EAFC) EAFC provides cash assistance to families who have at least one child under the age of 21 living with them, and need emergency paying rent, utilities, or other urgent bills. Apply online: Go to https://mydhrbenefits.dhr.state.md.us/ to file your application.

 Full PDF Download: State of Maryland Resources.pdf

Baltimore City Procurement Database- Interested in doing business in Baltimore? Click here to learn how you can be a city contractor. 

Anne Arundel County Procurement Database- Anne Arundel County has their new contractor database up and running. This database will be a resource to all the agencies when looking for small businesses for procurement opportunities. The Anne Arundel County eProcurement system will be known as P.O.R.T. (Procurement Operations Resource Technology). Click here to learn more. 

State of Maryland Procurement Database- EMMA is the new E Maryland Marketplace Advantage website for procurement opportunities. You can see contract opportunities and contact instructions to help you get connected to the right people. Click here to learn more

MDOT Certification- Ever consider doing business with the State of Maryland? If you have plans to grow, the certification process could open up new opportunities for new revenue. Click here to learn more.

Baltimore Demographics- Ever wonder where to find info on demographics in Baltimore? Click here to see this summary by the Census Bureau.

Maryland Wealth- Interested in seeing stats on Maryland's wealth and its tax revenue for each city and county? Click here to view the report from the Department of Legislative Services Office of Policy Analysis.

Connect with City Leadership- Want to attend a Board of Estimates meeting or Baltimore City Council meeting to hear from our elected officials? Check out the schedule at: http://www.baltimorecitycouncil.com/complete-calendar

U.S. Economy- Interested in how the U.S. economy is doing? Here is the most current information from the U.S. Bureau of Economic Analysis: https://www.bea.gov/news/glance

Maryland Sick and Safe Leave Information
-by Janice Walker-Emeogo

The law states that leave accrues at the rate of one hour for every thirty hours that an employee works. An employee is not entitled to accrue sick and safe leave during (1) a 2 week pay period in which the employee worked fewer than 24 total hours; (2) a 1 week pay period if the employee worked fewer than a combined total of 24 hours in the current and immediately preceding pay period; or (3) a pay period in which the employee is paid twice per month and worked fewer than 26 hours in the pay period. The leave hours provided for under the law are the minimum number of hours an employee is entitled to earn and accrue. An employer may provide more leave for its employees.

Greater Baltimore Black Chamber of Commerce is a 501(c) 6 and 501(c) 3 non-profit organization. 1325 Bedford Avenue, Suite 5941; Pikesville, MD 21282-7510

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