Harold Lacy has 20 years experience in commercial banking specializing in small business lending. He has helped more than 700 businesses through his years of experience and relationship with the U.S. Small Business Administration. Since 1989, he has served as an advisor for Denver’s Small Business Development Center and since 1993, teaches Financing Small Businesses at Colorado University. Mr. Lacy is the author of Financing Your Business Dreams with Other People’s Money (Saga Creek Press, 1998) and Venture Capital Made E-Z (Win/Mac CD-ROM, Made E-Z Products, 1999). In addition to being a keynote speaker for the International Franchise Association and the International Association of Black Millionaires, Mr. Lacy has been published in Entrepreneur, Sparetime, Small Business Opportunities, and the Denver Business Journal, as well as appearing on CNBC’s Money Matters and Business for Breakfast, KOA-NBC Denver affiliate.