The Small Business Development Center, Which operates under the auspices of Texas Tech University, is partially funded by the U.S. Small Business Administration. Each Sub-Center provides confidential, in-depth counseling to small businesses at no charge in order to promote growth and management improvement in the community. Any opinions, findings, and conclusions or recommendations expressed in this website are those of the author(s) and do not necessarily reflect the views of the U.S. Small Business Administration. All SBDC programs are extended to the public on a nondiscriminatory basis. Reasonable accommodations for persons with mental or physical disabilities will be made if requested at least two weeks in advance. SBA cannot endorse