Small Business Virtual Incubator

Positioning Entrepreneurs For Success


A 501 (c)(3) non-profit organization, is committed to narrowing the racial wealth gap by teaching financial literacy and increasing access to capital of minority-owned small businesses.
The Small Business Virtual Incubator provides a turn-key solution for early stage businesses to meet many of the important credibility factors to access capital such as having a legitimate commercial business address, phone number, website, business credit profile, and much more. We’ll also provide on-going mentoring and support.
Limited space remains. Please apply today for consideration:
1. Apply now: CLICK HERE
2. Interview. This will be a short phone call.
3. Receive a decision. We’ll notify you within just a few days.

What Is Included?

  • FREE: Initial set up of your business including filing with the Secretary of State and obtaining the EIN.
  • FREE: A unique commercial address and mail handling.
  • FREE: Business phone number
  • FREE: URL, website, and email address.
  • FREE: Guidance in setting up a business bank account, CPA relationship, and legal counsel.
  • FREE: QuickBooks to properly track your revenue and expenses as well as producing financial reports.
  • FREE: Assistance in building your business credit profile, adding trade lines, and applying for a business MasterCard (up to $10k credit limit under your EIN).
  • BONUS: Assistance in creating a loan package to obtain at least a $100,000 capital raise-guaranteed.

Also achieve access to unique sources of capital including up to $250,000 from the Chapman Fund.

Financial Literacy

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Small Businesses

Instructor-led curriculum provides participants with practical knowledge, skills-building opportunities, and resources.

14 modules available which are taught by one of our Financial Literacy Educators:

  • Your Money Values and Influences
  • You Can Bank On It
  • Your Income and Expenses
  • Your Spending and Saving Plan
  • Your Savings
  • Credit Reports and Scores
  • Borrowing Basics
  • Managing Debt
  • Using Credit Cards
  • Building Your Financial Future
  • Protecting Your Identity
  • Making Housing Decisions
  • Buying A Home
  • Disasters–Financial Preparation and Recovery


Instructor-led curriculum for aspiring and existing entrepreneurs.  In addition to education, participants have access to a grant-subsidized resource for $100,000+ to start or grow a business.

13 modules available:
  • Is Owning A Business a Good Fit for You?
  • Business Planning for a Successful Business
  • Banking Services
  • Organizational Types
  • Time Management
  • Financial Management
  • Recordkeeping
  • Strong Business Credit
  • Risk Management
  • Insurance
  • Tax Planning and Reporting
  • Selling Your Business and Succession Planning
  • Managing Cash Flow

Entrepreneurship Program

For aspiring and early-stage entrepreneurs.
Entrepreneurs with a concept for a new business and want to start within the next 6 to 12 months as well as start-up businesses in operation less than 2 years that want to develop a plan for more growth, profitability, and access to capital should enroll.


The Entrepreneurship Program is a hands-on, in-depth, four week, on-line course with personalized mentoring designed to provide practical information, tips, exercises and tools to help you be successful.
This course incorporates content from award-winning curriculum and was created by college professors, SBA/SBDC Advisors, SCORE Mentors, and business bankers to assist small businesses in successfully starting entrepreneurial endeavors and accessing capital to reach their potential.


Week One Educational Topic:  Planning for a Successful Business (includes creating a lender compliant business plan and financial projections for the participant).  Want to preview this module with no cost/no obligation?  Simply click here  (
Week Two Educational Topic:  Building Business Credit (includes creating a Personal Financial Statement and credit analysis)
Week Three Educational Topic:  Financial Management (includes a Financial Needs Analysis and corresponding plan)
Week Four Educational Topic:  Banking & Money (includes creating a “Capital Match” to identify the best source(s) of capital based upon each participant’s unique circumstances.


Key deliverables for participants:
  • A lender-compliant business plan with financial projections.
  • An optimized Personal Financial Statement (PFS).
  • Improved business credit profile, i.e., improved Dun & Bradstreet PAYDEX score.
  • A Financial Needs Analysis (FNA) and corresponding financial plan.
  • A “Capital Match” identifying the best source(s) of capital based upon the participant’s unique circumstances.
  • A Certification of Completion acknowledging their diligence and new knowledge.
All participants will have the option, upon completion of the four week course, to receive optional additional assistance to access a minimum of $100,000 guaranteed.


  1. Understand how to properly set up a business regardless if you are pre-launch or a start-up.
  2. Become familiar with how to access capital while understanding different sources of funding.
  3. Create a lender-compliant business plan and loan package.
  4. Gain familiarity on key financial management topics.
  5. Demonstrate an understanding of the differences between personal and business credit and how to leverage the use of the latter under the business’ EIN (versus the owner’s SSN).
  6. Learn how to gain access to a minimum of $100,000 capital raise to start or grow your small business.

Ready to get started?