Women Entrepreneurs

CF Template - Manufacturing with Receivables

CF Template - Manufacturing (Open with Excel)

SCORE Workshop Poster 1st. Qtr. 2014

Taxes Summary for Small Businesses

Taxes Presentation on 3/13/2013

A two-sided flyer designed to instruct prospective clients how to sign up for counseling.  

Printed copies are available in the SCORE Office.



          I’m in the process of establishing a graphic design/web development business. 
Should I form a corporation? 


By Attorney Ruth-Ellen Post

The four most common forms of business structure are:

  • LLC (Limited Liability Company)
  • CORPORATION (Conventional and Subchapter S)

The following outlines provide very general information on some of the main
similarities and differences among these business structures in six key areas:

About the Author

          This column is brought to you by the Merrimack Valley Chapter of SCORE, with 
nearly 70 current and former business executives available to provide free, confidential, 
one-on-one business mentoring and training workshops for area businesses. Call 603-666-7561 or visit merrimackvalley.score.org for information on mentoring, upcoming 
workshops and volunteer opportunities. SCORE is a national, non-profit organization 
and a resource partner of the U. S. Small Business Administration. 


Pittsburgh's New Immigrants: Two Kenyan Women Pave Their Way in Pittsburgh

Sun, 2014-06-08 15:23

In Kenya, May Lebo and Lavender Wachira never would have met, let alone become business partners. They were from different ethnic groups, different social classes and different parts of the country.

But in Pittsburgh, where they attended school, the two Kenyan immigrants were free to team up as entrepreneurs, launch their own cleaning business and plan together for future business endeavors.

Small Business Makeover: SCORE Counselors Study Ex-Teacher’s Tutoring Service

Fri, 2014-06-06 15:21

Patricia “Lee” Bell was teaching 10th-grade English in the 1980s when parents started asking where they could go for SAT test prep. She thought, “Why not me?” and partnered with a math teacher to tutor after school in her home and at the library.

White Mountain Chiropractic & Rehabilitation

Dr. Colby Lamson and Dr. Rachel Morgan
My Location
1102 Route 119
Rindge NH 03461
United States
Year Company Formed
How SCORE Helped

White Mountain Chiropractic & Rehabilitation, with offices in Rindge and New Ipswich, has been nominated as Small Business Success Story of the year by Seacoast SCORE chapter 185 of Portsmouth, New Hampshire.


Dr. Colby Lamson, a New Hampshire native with an undergraduate degree from UNH, and his partner and colleague Dr. Rachel Morgan are thrilled to be returning to New Hampshire after graduating from New York Chiropractic College.  They completed an honors residency program at South Shore Neurological Associates on Long Island, where they specialized in an interdisciplinary approach to chronic pain.  Dr. Lamson and Dr. Morgan had a vision for the 50 year old business that they purchased early this year.  They wanted to preserve all the good things about the practice while adding new treatment tools to improve the outcome for each patient.   In addition to traditional Chiropractic manipulation, they are skilled in the latest soft tissue techniques, functional rehabilitation and physiotherapy.  Doctors Lamson and Morgan at White Mountain Chiropractic & Rehabilitation provide therapies and treatment to patients of all ages for a number of conditions, as well as sports and occupational injuries.  Their goal is to help patients restore their balance and function so that they can achieve their goals and continue doing what they love.

SCORE Advice

Last summer, Dr. Colby Lamson and Dr. Rachel Morgan found a chiropractic practice for sale in the beautiful southern New Hampshire towns of Rindge and New Ipswich and realized that they would need financing to complete the purchase.  They had heard about the free small business counseling offered at SCORE and called Seacoast Chapter 185 for an appointment.  In late August, the doctors met with counselors Lisa Allison and Lindy Morgan (no relation to Dr. Morgan) in the Portsmouth SCORE office.  The counselors looked at the business’s financial statements and listened to the doctors’ plans for the practice.  They determined that the business would probably qualify for a bank loan backed by the SBA and told the doctors what would be needed for their business plan. “I met with these clients five times in four weeks.  Every time I gave them ideas to improve their plan they came right back and exceeded my expectations,” Allison remarked.  The doctors participated in the free Small Business Finance workshop at Seacoast SCORE in Portsmouth.  Also attending were a representative of the sponsoring bank and Amy Bassett, deputy director of the SBA in New Hampshire.  During the break, the doctors approached the banker and she told them that her bank would not consider their application because they had not owned the business for two years.  After the workshop, Bassett and Allison stayed behind to tell the doctors not to be discouraged.  They both believed that the business would be bankable.  “This is just the type of business that local banks want to support within their communities.  I felt optimistic that a smaller bank, with SBA backing, would approve this loan,” said Bassett.

Value of Business Plan

Less than a month after first meeting with SCORE, the doctors had completed their business plan. Dr. Lamson was pleased with the process.  “SCORE was instrumental in preparing us for the loan process. All four banks were thoroughly impressed we arrived on day one with a complete business plan, financial history, and projections substantiated with numbers and facts. With the help of SCORE, we were able to present an actionable plan, as opposed to an idea,” he explained.  The first bank that they presented it to rejected the application but made some suggestions, which they incorporated into the plan.  They then approached three smaller local banks and all of them seemed receptive to the application.  On October 1, Dr. Lamson and Dr. Morgan heard from the first of the three smaller banks.  The application for an SBA backed loan was approved, with the term they had requested and a very reasonable interest rate.  It is fortunate that everyone had worked so fast.  The government shutdown delayed the other loan approvals until the end of October. 


Dr. Lamson and Dr. Morgan began working with Dr. Justin Zellweger during a transition period in January, 2014 before Zellweger relocated to South Carolina. They renamed the business White Mountain Chiropractic & Rehabilitation and opened the doors on February 3, 2014.  They immediately began helping patients manage and alleviate pain, recover from injuries, and deal with chronic conditions.


Just months after White Mountain Chiropractic opened, Dr. Lamson had the opportunity to treat a patient who suffered a lower calf injury during the 17th week of an 18 week training program for the 2014 Boston Marathon. Days of rest and multiple physical therapy visits had not produced any improvement. As a last resort, three days before the marathon, he contacted Dr. Lamson to see if there was anything he could do. The doctor was a bit pessimistic based on the time constraints but agreed to attempt a Graston Technique treatment. After one treatment this patient reports that he was able to run the 26 mile race with full mechanical function and only limited pain, achieving a personal best time.

Business has been growing as patients tell their families, colleagues, friends, and neighbors how Dr. Lamson and Dr. Morgan are helping them.  Dr. Morgan explains, “Each day we come into work, loving what we do. Clinically, we have the opportunity to help people feel and function better. Professionally, we enjoy the pride of succeeding with our team at White Mountain and watching business grow. “


New York Chiropractic College.  They completed an honors residency program at South Shore Neurological Associates on Long Island, where they specialized in an interdisciplinary approach to chronic pain.  They are skilled in the latest soft tissue techniques, functional rehabilitation and physiotherapy.

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