Where your future begins

Self Employment

Status: Archived

Approved Date: June 07, 2018

6/2016

STEP 1:  Provide General Information to Client who expresses interest in Self –Employment. (VR Specialist)

The following information must be shared so the client has an overview of the Self-Employment process and to assist him/her in making an informed choice.

Checklist:

  • Review job readiness factors, address any issues ensure stability prior to referring to self employment specialist.
  • Discuss Advantages and Disadvantages of Self-Employment Form
  • Green and Red Flags for Self Employment Form
  • Explain that VR must ensure that the occupation & self-employment are based on client strengths, limitations, abilities, informed choice and labor market demand.
  • Explain that the local VR Self Employment Specialist will assign the Self-Employment questionnaire to explore the business idea, the client’s disability, possible work accommodations, and financial history. 
  • Explain that the client’s FICO Score, Credit Report and other budget information will be obtained. Client's credit score is NOT used to eliminate the referral to self employment feasibility.
  • Explain that any criminal background information will be discussed. 
  • Explain that an assessment of and aptitude for bookkeeping and business skills will be done. This assessment cannot be waived by the local VR office.
  • Refer for a General Benefits Orientation (if SSI/SSDI recipient). Add the Assessment Support Service: Benefit Orientation to QE2 and authorize if appropriate.
  • Summarize the discussions in QE2.


STEP 2:  Provide In-Depth Self-Employment Exploration. (local VR Self Employment Specialist)

The following items should be used to assist the client in determining whether pursuing a self-employment goal is right for her/him.

Checklist:

  • The Self Employment Questionnaire and Personal Finances Worksheet is completed by the client unless due to disability assistance is needed.
  • Obtain FICO Score (www.creditkarma.com) and Credit Report (www.Annualcreditreport.com). 
  • The Client and the local VR Self Employment Specialist reviews Self Employment Questionnaire and financial information (FICO score, credit report, and Personal Finances Worksheet and  tax returns, if applicable). Can client afford self-employment at this time?
  • Review and discuss Advantages & Disadvantages worksheet as well as the Green and Red Flags worksheet  
  • The disability is explored with a focus on accommodations that may be needed for client to be Self-Employed.
  • Refer the client to the Vocational Evaluator to assess aptitude for bookkeeping and business skills 
  • Refer to Benefits Orientation (SSI/SSDI)
  • Client and Specialist determine whether client wishes to pursue a Feasibility Study. 
  • Discuss criminal history and if applicable request background check.
  • If client and counselor agree to  proceed with Feasibility Study, a referral to VR Self Employment Program Specialist is needed. Email Questionnaire, Finances Worksheets, FICO score, Credit Report, Vocational Evaluation and the criminal background check, if applicable.
  • Review case with Self-Employment Program Specialist and a Program Director.  If all concur, VR Self Employment Specialist refers client for a Feasibility Study.
  • Authorize 18 hours at the hourly rate to the vender along with mileage in excess of 25 miles. (Add QE2 Assessment Support Service: Self Employment Consultation).
  • Coordinate meeting with the Client, the Business Consultant and the VR Self Employment Specialist to discuss Feasibility Study.  
  • If  the Feasibility Study is negative, discuss other options
  • If client decides not to pursue or there are issues to consider before pursuing self-employment, the VR Self Employment Specialist will refer the Client back to originating Specialist.
  • Refer to ATP at start of Business Plan development if client needs accommodations.
  • Refers for Business Plan Development. The VR Self Employment Specialist authorizes for 18 hours at the hourly rate and mileage in excess of 25 miles to Provider using the Assessment Support Service: Self Employment Consultation
  • Develops IPE.
  • Authorizes for Business start-up costs. (Add Community Service: Small Business – appropriate small business service)
  • Ensure all receipts for self employment start up funds are sent to the Self Employment Program Specialist and a copy also maintained in the client's case file. 
  • Submit for high cost fund approval if a purchase of individual item costs over $2000
  • Responsible for performing case closure procedure.
Business Maintenance or Expansion
  • Submit three (3) years of the most recent business tax returns if expanding a business 
  • Submit most recent full year of a tax return if maintaining an existing business.
Reminders:
  • A Feasibility Study is required if client moves ahead with Business idea.
  • If the business idea is feasible, a Business Plan is developed.  The client's needs are determined and funding sources identified.
  • VR provides needed self employment start up expenses, up to $6000.
  • VR cannot purchase real estate or do new construction. 
  • VR does not support non-profit businesses.
  • A client must own 51% of business.
6/2016

STEP 3:  Facilitate Client Self-Employment Services from Feasibility to Closure.  (Self-Employment Program Specialist)

The following supports and services are provided to assist a client make an informed choice and to implement a Self-Employment Plan.

Checklist:

Feasibility

  • Reviews information gathered by local VR Self Employment Specialist.
  • Set up a meeting with self employment team and Self Employment Specialist 
  • If VR would not support a Feasibility Study, case is referred back to  Self Employment Program Specialist to coordinate  face to face or video conference with VR Self-Employment Specialist and the client.
  • If self employment team supports feasibility study, send Self Employment Packet to Business Consultant with required authorization.
  • Sets up meeting with all of the above to determine next step once feasibility completed.
  • Works with client, VR Self Employment Program Specialist, Business Consultant and other providers (Benefits Planner for self-employment, ATP) to facilitate feasibility of self employment goal.
  • Self Employment Program Specialist sets up face to face meeting when plan completed with all involved parties when feasibility is completed.
  • If feasibility is positive move forward with Business Plan. 
  • If not feasible, refer back referring VR Specialist
Business Plan Implementation
  • The Self Employment Program Specialist sets up a meeting with all involved parties to review the completed Business Plan.
  • The Self Employment (SE) Program Specialist will support the client and monitor the client’s progress during the implementation process
  • The SE Program Specialist will refer and advocate for the client to other business funding sources.
  • The SE Program Specialist will problem solve with the client any barriers encountered.
  • The SE Program Specialist will coordinate with the local VR Self Employment Specialist regarding any ATP accommodations.
  • The SE Program Specialist will ensure any training or supports needed are implemented.
  • The SE Program Specialist will coordinate with the client and Benefits provider, if appropriate.
  • The SE Program Specialist will coordinate with the VR Marketing Team to ensure the new business is marketed to appropriate customers.
  • The SE Program Specialist has a minimum of weekly contact during this period.
  • All receipts using VR start up funds will be obtained from the local VR Offices
  • All of the above services will be documented in QE2 as they occur.
Business Monitoring
  • The SE Program Specialist follows up with the Business owner to provide assistance, to address problems and to ensure the new business is progressing as planned.
  • The SE Program Specialist has monthly communication with business owner.
  • Client reports the monthly business income.
  • Monitors the Target Net Monthly Income Goal.
  • The monthly contact is recorded in the file along with the copy of the financial reports.
  • The Self Employment Program Specialist notifies local VR Self-Employment Specialist of progress.
  • Notifies the local VR Self Employment Specialist when client is ready for VR successful closure.
SUPPORTED SELF EMPLOYMENT CHECKLIST

     
Use this checklist in conjunction with the other checklists.
 
All criteria are the same for supported self-employment and for non-supported self-employment. 
If the individual has a guardian, ensure that the guardian supports the idea and is provided with information as the individual moves through the process. 
VR will pay a provider to assist the individual in the self-employment process.
 
Step 1:   VR Specialist
 
Follow Self-Employment Checklist 1-VR Specialist (Share the additional information)
 
·     Provide General Information to supported employment client, family &/or provider who express interest in Self-Employment.
·     VR Specialist explains the VR Self Employment Process so the client can make an informed choice. 
·     Emphasize that this is not a fast process.
·     Explain Supported Self Employment Milestones to provider and guardian.
·     Complete application and eligibility.  
·     Have provider complete VR Profile for Supported Employment.
·     Refer to VR Self-Employment Specialist.
·     Authorize $500 to provider for Self-Employment Discovery Milestone Services.  

 
Step 2:   VR Self Employment Specialist
 
Follow Self-Employment Checklist 2-VR Self-Employment Specialist 
 
·     Provide In-depth Self-Employment Exploration.
·     Additional career exploration may be used to assist the client in determining whether pursuing self-employment goal is right for her/him. (i.e. Interest tests)
·     Discuss the business idea.  Have the individual describe the business in his own words.
·     Discuss the type of help the person thinks she/he will need.
·     Ensure that the Guardian, if applicable, is informed and consents to this exploration.
·     Have provider assist the individual in all the paperwork including the Self Employment Questionnaire, Financial history and credit history (Fico Score), Personal finances Worksheet.   
      (Client may not have financial history or FICO score.  If no credit history, submit without the scores.)
·     Submit all paper work if client wishes to pursue feasibility study to VR Self Employment Program Specialist.
·     Follow all steps for authorization of Feasibility Study and Business Plan.
·     Refer for Benefits Analysis & PASS Development if Feasibility Positive.  Authorize for the BSNA-Work Incentive Plan (WIP) and for PASS Development if Required.
·     Business Plan completed and Business Owner ready to implement business plan.
·     Authorize for Business Start Up Costs.
·     Authorize $1000 for Milestone 1-Implement Business Plan to Provider.
·     Provider submits invoice and report for Milestone 1 when the business equipment is purchased and receipts turned into VR.
·     Authorize $2500 for Milestone 2-Assist client in learning all identified business duties.
·     Provider & Business Owner communicates regularly (minimum every thirty (30) days) with the VR Self Employment Program Specialist.
·     Provider submits invoice and report when client has learned job duties, supports are completely identified and implemented, the client’s billing system is implemented and income is   
         being generated. 
·     Authorize $1500 for Milestone 3-Business Stabilization.
·     Business producing income.
·     Supports are stable including bookkeeping and billing.
·     Provider Invoices for services when stabilization is agreed upon by Client, Provider and VR.  This milestone must be in effect for a minimum of at least 30 days.
·     Authorize- $2000 for Milestone 4
·     Business reaches targeted net income goal.
·     If client is unable to reach net income goal but stabilizes at a lower income level for a minimum of three (3) months, a successful outcome may be considered.
·     All Parties including DD Service Coordinator must agree on closure.
·     Long term support plan is in place.
 
Step 3:   Self Employment Program Specialist
 
Follow Self Employment Checklist 3-Self Employment Program Specialist.
 
 Feasibility and Business Plan Development
 
·     The VR Self-Employment Program Specialist ensures that all meetings include the self-employment along with the Guardian, if applicable, and the Service Provider.
·     The VR Self-Employment Program Specialist ensures that accommodations are utilized by using Provider to assist with paperwork.
·     Notifies Business Consultant that this is a Supported Self-Employment Client.
 
Business Monitoring
 
·     The SE Program Specialist will contact the Business Owner and all of the Owner’s team including the Provider and the Guardian when reviewing business progress.
 

Self-Employment Orientation and In-Depth Self-Employment Exploration and Discussion.

  1. Provide general information on the Self-Employment Process when a client expresses interest so a client can make an informed choice.  If client wishes to pursue Supported Self Employment all steps apply. (See: Checklist 1; Use the Self-Employment tools - Advantages & Disadvantages of Self-Employment and Green Flags/Red Flags {located in Forms & Tools.} )  (If client is requesting Supported Self Employment, use Supported Self Employment Checklist in conjunction with the others.)
  2. If the client wishes to pursue the in-depth exploration of Self-Employment, refers her/him to the Self Employment VR Specialist. 
  3. Document discussion results in QE 2 including the specific red flags and green flags identified.
  4. The client completes the Self Employment Questionnaire with or without assistance. Authorize to a DD provider of client's choice if client is choosing Supported Self Employment.  The VR Specialist and the Client discuss and analyze the Questionnaire.  The purpose is to provide guidance and to address disability and vocational issues that impact the business idea.
  5. The VR Specialist refers the client to a VR evaluator to assess bookkeeping and business skills (See: Checklist 2)
  6. If the client is a Social Security recipient, complete necessary releases and refer to VR Benefits Specialist for a general benefits orientation.
  7. The client completes the personal finance sheets.
  8. If the Client and VR Self Employment Specialist agree to the next step of Feasibility Assessment, contact the Program Specialist for Self Employment to review the self employment packet.
  9. Program Specialist for Self Employment sets up a meeting to review all of the materials for feasibility with the Self Employment Team and the VR Specialist.
  10. Program Specialist for Self Employment completes a TASK entry in QE2 summarizing the basis for the decision of the above meeting.
  11. Self Employment Specialist refers for a Feasibility Assessment. The referral includes all the required information and the authorization for services including mileage over 25 miles.  Enter in QE 2 as Assessment Support-Self-Employment –Consultation (See provider information under forms & tools)
  12. If the client and VR Self Employment Specialist choose not to pursue self-employment at this time, refer the client back to the originating VR Specialist to explore other services. Task note basis of decision and why in QE-2.

Conduct the Feasibility Assessment

  1. The Business Consultant will conduct a Feasibility Assessment.  It will include: a determination if the business concept is feasible:  determination of sufficient demand for a product or service; determination if client possesses the technical, interpersonal and managerial skills to run a business and other information.  It will also include development of: a general market concept feasibility: a general market feasibility; a financial analysis and a SWOT (strengths, weaknesses, opportunities and threats) analysis. 
  2. Business Consultant sends copy of feasibility assessment and an invoice to the VR Self Employment Specialist and to the Program Specialist for Self-Employment.  
  3. The Program Specialist for Self-Employment coordinates a meeting with the Business Consultant, the VR Self Employment Specialist and the Client.  Preferably, the meeting is face-to- face.  If face-to-face meeting is not possible, set up video conferencing or another method of communication
  4. A meeting is required whether the Feasibility Assessment is positive or negative to review the results of the feasibility. 
  5. If the Feasibility Assessment is positive and everyone agrees, authorize to the Business Consultant for development of a business plan.  The Self-Employment Program Specialist  discusses next steps with the client. 
  6. If a decision is made for Business Plan development, the VR Self Employment Specialist meets with the client to provide options for selection of Benefits Planning vender and a referral is then made for Benefits Planning and Analysis.
  7. Client will provide information to the Self-Employment Program Specialist and the Business Consultant in a timely manner.
  8. If the Feasibility Assessment is negative, discuss alternatives with the client and the VR Self Employment Specialist and refer back to originating VR Specialist.

Develop the Business Plan

  1. Business Consultant, Program Specialist for Self Employment, VR Self Employment Specialist and Client will develop a business plan.   
  2. VR Self Employment Specialist authorizes for up to 18 hours for Business Plan Development and milage in excess of 25 miles.
  3. While Business Plan is being developed, the VR Self Employment Specialist refers to ATP if accommodations will be needed.  Reason for referral is marked Self-Employment Consultation.
  4. The Business Consultant submits the completed plan
  5. The Program Specialist cordinates a meeting with the Business Consultant , the client and the VR team and other providers as appropriate to ensure the following criteria are discussed during the meeting:
  • The business idea or concept is sound, based on an appraisal of similar ventures and their result.
  • There is a market for the goods or services to be provided by the business based on an appraisal of the market for the goods or services, market competition, and the recipient’s market strategy.
  • The business venture is financially sound based on an assessment of initial start-up costs, credit and financing availability, and pro forma cash flow and profit/loss statements.
  • The recipient will be able to manage and operate the business based on the consistency between the requirements of the business and the recipient’s unique strengths, resources, priorities, concerns, abilities, capabilities, and interests.

       6. The VR Self-Employment Specialist develops the IPE if the above criteria are met and the client and VR agree to business plan. Both agree on a targeted net monthly income. 

       7.  VR Self-Employment Specialist agrees with the Business Plan.  VR responsibilities are specified on IPE.  Client responsibilities are outlined on the IPE including submitting recipts and the required monthly targeted income information with the VR Program Specialist. Move the client to services initiated-VR Services in QE 2.

       8.  VR Self-Employment Specialist authorizes the appropriate business start-up costs, skill training and/or disability related costs as described in the Business Plan and the ATP report if appropriate.  Submits to High Cost Fund if an individual item costs over $2000.

     9.  Upon completion of purchase of start-up items and the business is operating at the targeted monthly income, place the individual in Services Initiated-Employment follow-up milestone.

Business Plan Implementation

  1. The Self Employment Program Specialist will support the client and monitor the client’s progress during the implementation process.
  2. The Program Specialist will refer and advocate for the client to other business funding sources.
  3. The Program Specialist will problem solve with the client any barriers encountered.
  4. The Program Specialist will coordinate with the VR specialist any ATP accommodations.
  5. The Program Specialist will ensure any training or supports needed are implemented.
  6. The Program Specialist will coordinate with the client and Benefits Planner, if appropriate.
  7. The Program Specialist will coordinate with the VR marketing team to ensure the new business is marketed to appropriate customers.
  8. The Program Specialist has a minimum of weekly contact during this period.
  9. All of the above services will be documented in QE 2 as they occur.

 

Business Monitoring

  1. The Program Specialist follows up with Business owner to review business process to provide assistance, to address problems and to ensure the new business is progressing as planned.
  2. The Program Specialist has monthly communication with business owner.
  3. Client reports the monthly income business is producing.
  4. Monitors the Target Net Monthly Income Goal. This targeted income goal can be revised if agreed upon by the client, VR Specialist and Self Employment Program Specialist.
  5. The monthly contact is recorded in the file along with the copy of the financial reports.
  6. The Program Specialist notifies VR Specialist of progress.
  7. Document all progress in QE 2.

 

Successful Closure

  1. The client submits the monthly financial statement. When the client reaches the Target Net Monthly Income Goal, an outcome may be considered.
  2. If a client is unable to reach the Target Net Monthly Goal, but stabilizes at a lower income level for a minimum of 3 months, a successful outcome may be considered if the client is in aggrement.
  3. For reporting purposes in QE2 never exceed 40 hours for the number of hours the individual is working during the week.

Self Employment Definition:

  • Generate excess cash flow from profitable operations by providing specific goods, products or billable services through at least 51% ownership of the business; earn income directly from one's own trade or profession.
  • Attain financial independence by maximizing earning capacity based on individual disability.

Definitions:

  • Professional Technical Assistance - any training required to start up or maintain a business. Examples include; accounting/Quickbooks, equipment operation, etc. All professional Technical assistance is funded as part of the start up costs and provided by non-contract venders.
  • Self Employment Consultation - services provided by a contracted consultant to complete a feasibility assessment or the development of a written business plan. 
  • Business Plan Implementation/revision — services provided ONLY by contracted consultant for  capability statement, business plan revision and business expansion/stabilization.  
    • Capability Statement - statement required by businesses desiring to acquire federal contracts. Federal contractors are being required to submit a Capability Statement as part of the competitive screening process. 
    • Expansion/stabilization Report - clients already operating a business and in need of support in the growth or stabilization of the business.
    • Business Plan Revision - utilized when revision to a business plan are determined necessary and agreed upon by client and self employment team. 

Nebraska VR Self-Employment funds will not be used for the development of the following business models:

  • Multi-Level Marketing
  • Speculative ventures
  • Illegal or "under the table" business
  • Real Estate
  • Passive ownership (Business Investment-no active management)
  • Commission based sales
  • Hobbies (non-income producing)
  • Dealers of rare coins and stamps
  • Pornographic or illicit business
  • E-Bay sellers
  • Serial plaintiffs (Litigation)
  • Gambling Activities
  • Churches and organizations promoting religious objectives
  • Non-profit or charitable organizations

 

The following planning, client and funding requirements are essential to achieving a successful self employment/small business venture.

Planning Requirements

  • Expert Consultation: Use expert technical consultation when a client is considering self-employment as a vocational option. Private consultants who have the required expertise and have a agreement with the agency provide technical consultation. The amount of consultation varies depending on the complexity of the venture.
  • Business Plan:  Clients are required to develop and submit a written self employment Business Plan. In most cases individuals will be working with the business consultant listed below. The Business Plan is developed by the client with help from the consultant and submitted by the business consultant. The business plan must contain information presented in the Business Plan Outline.
  • Legitimate Employment Outcome: Self employment is an acceptable outcome within the federal definition of ‘employment outcome’ and is encouraged in federal regulations. This outcome is not restricted to only those situations when a person’s disability precludes competitive employment and it should not be considered only as a last resort.

Client Requirements

  • Maximize Potential: The intent of self employment is to maximize the individual’s potential based on disability and to become self-sufficient.
  • Own Business: The client must own or be the majority partner (51%) in the business. Non-profit organizations are not owned by the individual and therefore not supported by the agency.
  • Provide Financial Information: The individual must provide monthly financial information as requested by Nebraska VR Self-Employment Program Specialist .

Funding Requirements and Assistance

  •  Technical assistance and other consultation services to conduct market analysis, to develop business plans, and guidance to  secure resources from sources other than the program for the establishment and operation of the small business enterprise.
  • Expansion of a business. The Program Director of Counseling must approve any request for expansion of an existing business. Approval will be based on whether expansion of the existing business is required to enable the recipient to earn a living wage.  A minimum of three years (3) years of the most recent business federal tax returns must be submitted as part of the approval process. If approved, the requirements below for new business start up expenses, expenses not allowed, and application of resources apply. If business is less than one (1) year old, it is considered a new business start-up.
  • Maintaining an Existing Business. Program financial assistance is available for assistive technology, adaptive devices, specialized equipment, and /or job site modifications which compensate for limitations resulting from a disability and to assist the individual to maintain their self employment.  Most recent full year of business tax returns must be submitted and reviewed to see if business viable.
  • New Business Start-up Expenses. Expenses related to starting a new business include the following and are limited to an establishment period not to exceed six (6) months.
    • Occupational licenses, franchise fees, and business permits including those required by any unit of state or local government.
    • Tools and equipment.
    • Stocks and supplies.
    • Operating costs such as rent, utilities, business liability insurance and advertising.
    • Vehicle acquisition.
    • Professional technical support 

Program financial assistance cannot be used for:

  • Purchase of land or buildings; or
  • Construction, renovation, or remodeling of buildings or space to be used.

The recipient must first apply personal and/or family resources and all financing available through grants or loans to the required business start-up expenses.

  • Program assistance is available for the remaining business start-up expenses, up to the limit in Rule 72. Examples of specific loans available to individuals with disabilities include
    • Nebraska Alternative Financing Program (Administered by Easter Seals)
    • Nebraska Telework Loan Program (Administered by Easter Seals)
    • Small Business Administration  (SBA)
    • Rural Enterprise Assistance Project (REAP)
    • GROW Nebraska
    • Farm Service Agencies
    • US Department of Agriculture
    • Veteran's Administration

Exceptions

The Program Director of Counseling may grant exceptions to the limit on new business start up expenses after considering the following factors:

  • The availability of financing from the Nebraska Department of Economic Development, the Small Business Administration, programs administered United States Department of Agriculture, or other programs and entities experienced in the financing of start-up small businesses;
  • The reasons for the availability or non-availability of financing from the programs and entities listed above;
  • The limit for business start up expenses in Rule 72 along with other resources are insufficient to establish the small business enterprise; and,
  • The availability of other employment options consistent with the recipient’s unique strengths, resources, priorities, concerns, abilities, capabilities, and interests.

Other Considerations

  • Authorize agency funds for business start-up costs to vendors when possible since the state pays no state sales tax while the client would.
  • Assistive technology services (disability related expenses), self employment consultant and business Plan Implementation/Revision are not considered small  business start up items and are not included in the funding limit in Rule 72 for small business start up expenses. 

Business Plan Outline

Use the following outline to prepare a written Business Plan. The Business Plan provides detail for the business start-up. It includes a chart showing all start-up costs and the recommendation on how those will be met. Part of that recommendation will indicate that assistive technology or disability related costs are included and the amount of expected contribution by the agency in the actual business start-up costs.

  • Cover Sheet including; business name, owner name, business address, phone, email, website
  • Description of Business/Executive Summary: limit to 1 page, include:
    • General Business Description
    • Mission Statement/Business Philosophy
    • Goals/Objectives—including Target Net Monthly Income Goal (TNMIG)
    • Target Market
    • General Industry Description--business strength, competitive edge, reason it will succeed
    • Legal Form of Organization
  • Industry Background
    • Product, Services and Markets
    • Competition
    • Location of business
    • Operational Plan
    • Management and Organization
    • Marketing Plan
  • Financial Data
    • Sources and Uses of Funding Table—sources (business owner, Nebraska VR, loans, other), uses (equipment, inventory), etc.
    • Capital Equipment List—include short rationale of need for each item
    • Cash Flow Projections—2 years
    • Break-Even Analysis
    • Projected Profit and Loss\Balance Sheets—2 years
    • Owner Financial Information—Personal Financial Statement
    • Risk Mitigation/Contingency Plan
    • Accounting issues—how records will be kept and who will be responsible *Supporting Documentation
    • Written cost estimates for equipment, services, etc. for which Nebraska VR funds will be used, according to the following guidelines:

      $1,999.99 or less—1 estimate
      $2,000--$4,999.99—2 estimates
      $5,000 and up—3 estimates

    • Samples of Forms, agreements, business organization papers,
    • logos, etc.
    • Photos of products, business location, etc

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