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Meet the Fall 2025 Grads of Banking on Women!

11/12/2025

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We're here to say a big congrats to our Fall 2025 Graduates!
Launched in 2010, Banking on Women is our entrepreneurship program for women in Utah who are looking to start or grow their own business. The curriculum covers all aspects of running a small business including business planning, market research, marketing, financial management, growth, and leadership. The program is offered in both an in-person cohort as well as a virtual cohort designed specifically for women in rural areas.

Our favorite part? While going through this class, participants often find lifelong connections and friendships with the other women, and that could not be more true with these two groups. These ladies committed 15 weeks of their lives to this program, which included weekly three hour evening classes plus homework, all while juggling businesses, families, and every other responsibility on their plates. It takes a lot of grit to commit to working on your business and taking it to the next level, so these ladies deserve a huge round of applause.

Banking on Women is made possible through our education partnership with Westminster University, and we are grateful for their continued leadership and support. Synchrony also plays a key role in making this program possible through their generous sponsorship and commitment to women entrepreneurs across Utah.

This program is offered each spring and fall. Anyone interested in applying can learn more at www.utahmicroloanfund.org/bankingonwomen. Without further ado, let’s meet our graduates and celebrate the incredible businesses they are building!
Rural Virtual Graduates
Our virtual Banking on Women cohort is designed to support women across Utah, especially those in rural areas or requiring special accommodations. We are always excited to see our cohorts come together with women from all over the state!
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Karry Deter
Deeter Accounting/ Financially Empowered Female

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Financially Empowered Female, developed under Deeter Accounting, helps women entrepreneurs gain confidence and control over their business finances through approachable, hands-on education. They offer workshops, memberships, and coaching focused on practical financial skills, accountability, and strategic growth. Rooted in real-world experience, their mission is to make financial education accessible and empowering for women at every stage of business.
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  • Email: [email protected]
  • Website: www.financiallyempoweredfemale.com
  • Phone: 435-260-0730
Darci Alston
The Mindful Collective

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The Mindful Collective is a mental health practice built to support both clients and providers. For providers, The Mindful Collective offers a flexible and community-oriented workspace that prioritizes independence and collaboration. Shared offices provide a cost-effective alternative to traditional practice settings, with full-time and part-time options available. The collective handles the operations and amenities so providers can focus on what they do best: caring for their clients.
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  • Website: www.themindfulcollectiveutah.com
  • Email: [email protected]
  • Address: 1102 W 60 S, Suite 6, Tooele, UT 84074
Amy Ostermiller
 HSA Home Medical

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HSA Home Medical provides high-quality medical equipment and supplies designed to improve comfort, independence, and quality of life at home. Serving individuals and caregivers throughout Utah, the company offers personalized support and reliable products to meet a wide range of health and mobility needs. With a focus on exceptional service and compassionate care, HSA Home Medical ensures every client receives the right equipment, education, and ongoing assistance to feel confident and supported.

Website: www.hsahomemed.com
Instagram: @HSAHomeMedical
Facebook: HSA Home Medical
Candice Whipple
Lyran Sky Ventures/Success Imaging

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Candice is the founder and CEO of Lyran Sky Ventures, an education, media, and coaching company dedicated to integrating technology, consciousness, and human potential. Her work blends intuitive development with evidence-based tools to help individuals and organizations grow, innovate, and improve their overall well-being. Through multiple brands under the Lyran Sky umbrella, Candice offers coaching, courses, retreats, podcasts, and success imagery resources designed to support people on their personal and professional journeys. 
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Contact:
  •  Email: [email protected]
  • Website: www.successimagery.com
  • LinkedIn: www.linkedin.com/in/candice-whipplesuccessimagery
In-Person Graduates
Our in-person Banking on Women cohort is tailored for women residing in Salt Lake and the surrounding counties, offering an engaging classroom experience at Westminster University in Sugar House. 
Ana Cuéllar Márquez
Ana Cuéllar: Your Trusted Advisor

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Ana Cuéllar is an insurance and financial advisor helping families and professionals protect their health, retirement, and future. With over two decades of experience, she offers domestic and international life insurance, mentorship programs for new agents, and digital tools to support sustainable success in the insurance industry.

​Contact:
  • [email protected]
  • 801-810-5194 
  • Instagram: @anacuellartuasesora
Pam Mares
Thanks for Giving

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Thanks for Giving is a volunteer-powered nonprofit in Salt Lake City that provides full Thanksgiving meals to families in need. Started 14 years ago as a family tradition, it has grown to serve more than 100 families each year across Utah and California. Pam leads the effort with a focus on feeding families, fostering connection, and building community.

Contact:
  • [email protected]
  • 801-680-9478
  • msha.ke/thanksforgiving.com
  • Venmo: @thanks4giving28
Camille Thorpe
Vonda's Quilt Frames

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Camille Thorpe is the owner of Vonda’s Quilt Frames, a business dedicated to creating high-quality, handcrafted quilt frames that support quilters in bringing their projects to life. Her frames are designed with durability, comfort, and ease of use in mind, making quilting more enjoyable for both beginners and experienced makers. Camille’s thoughtful craftsmanship fills a real need in the quilting community and reflects her commitment to helping others pursue their creativity with confidence.

Contact:​
  • Website: www.vondasquiltframes.com
  • FB: www.facebook.com/vondasquiltframes
  • Insta: www.instagram.com/vondas.quilt.frames
Vanessa Rios
​Vlaz Construction

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Vanessa Rios is the owner of Vlaz Construction, a company that specializes in drywall installation, texturing, painting, and coating finishes. She brings skill, reliability, and a strong commitment to getting the job done right, working closely with both homeowners and contractors. Vanessa’s attention to detail and steady communication help clients feel confident throughout every step of the process.

Contact: ​
  • Website: www.vlazconstruction.com
  • Instagram: www.instagram.com/vlaz.construction
  • Facebook: www.facebook.com/profile.php?id=61555029278285
Rainey Parker
Sunshine After the Rain

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Rainey Parker is the founder of Sunshine After The Rain, a coaching practice dedicated to helping individuals navigate personal growth, confidence building, and life transitions. Through supportive guidance and a strengths-based approach, Rainey helps clients gain clarity, set meaningful goals, and create positive forward momentum. Her work is grounded in compassion and empowerment, offering clients a safe space to reflect, grow, and move toward the life they want.

Contact:
  • Email: [email protected]
  • LinkedIn: linkedin.com/in/coachraineyparker
  • Insta: www.instagram.com/sunshineafterthe_rain
  • Podcast Feature: https://rebrand.ly/a14fd8
Jeanette Langston
Benita Jean Murals

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Jeanette Langston is the artist behind Benita Jean Murals, where she creates vibrant, expressive mural work that brings life, color, and personality to homes and businesses. Her art is rooted in storytelling and connection, and she works closely with clients to transform blank walls into meaningful, beautifully crafted pieces. Jeanette’s style blends creativity with intention, making each mural a unique reflection of the people and spaces she serves.
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Contact:
  • Email: [email protected]
  • Website: benitajeanart.com
  • Insta: instagram.com/benita_jean_
Nelly Coromoto Arandia Garcia
Nelly Arandia Official

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Nelly Arandia is the creator behind a premium shapewear brand focused on helping women feel confident, supported, and comfortable in their own skin. Her products are designed with intention and quality in mind, offering solutions that enhance both everyday wear and special occasions. Nelly’s work centers on empowerment and body confidence, creating a space where women can feel seen, celebrated, and uplifted.

Contact:
  • Email: [email protected]
  • Linktree: linktr.ee/Nelly.arandiaofficial
  • Insta: instagram.com/nellyarandiaofficial
Michelane Challenger
Bayside Events

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Michelane Challenger is the owner of Bayside Events, a company dedicated to crafting seamless, meaningful, and stress free events that exceed client expectations. Her mission is reflected in every detail, from planning and coordination to catering and equipment rental. Michelane offers a full suite of services, including wedding and event planning, professional catering, rental equipment, and day-of coordination. She brings calm, organization, and creativity to each gathering, helping clients enjoy their celebrations while she manages the logistics behind the scenes.

Contact:
  • Email: [email protected]
  • ​Website and social TBD
Sheree Vigil
Smile Gorgeous

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Sheree Vigil is preparing to launch Smile Gorgeous LLC, a mobile teeth whitening service designed to bring accessible and affordable treatments directly to clients. Her goal is to help people feel more confident in their smile by offering convenient, professional whitening services in a comfortable and personalized setting. Sheree’s passion for beauty and client care is at the heart of her new venture as she gets ready to bring Smile Gorgeous to the community.
Contact:

  • Email: [email protected]
  • Business Email: [email protected]
  • Phone: 801-739-4331
Vy Ho
V for Veggies

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Vy Ho is the founder of V for Veggies, a mission-driven urban agriculture project that grows culturally specific plant starts for Utah’s diverse communities. As a social worker and agricultural educator, Vy combines her passion for community building with hands-on teaching that helps people learn how to grow their own food and stay connected to the ingredients that matter to them. She will offer plant starts for fruits, herbs, veggies, and flowers that reflect a wide range of global food traditions, giving families access to culturally meaningful varieties that are often hard to find locally. Vy’s long-term goal is to cultivate spaces where food, community, and personal growth all thrive together.

Contact:
Email: [email protected]
Instagram: www.instagram.com/vyforveggies
Efi Neofitos
The Big M/Utah Pipe Doc

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Efi Neofitos is part of The Big M/Utah Pipe Doc, a mission-driven team that views the underground systems of a property as its essential organs that keep a home functioning. Efi specializes in helping property owners understand and navigate diagnostics, education, and full-site restoration after water and sewer failures.
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She believes every Utah family deserves trustworthy guidance and quality restoration that leaves no trace behind. Through her outreach and community education efforts, Efi is helping promote long-term property health and safety across Utah.


Contact:
  • Email: [email protected]
  • Facebook: Big M Plumbing & Excavating 
Thank You to the Westminster University Team

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We’re so grateful for our incredible partners at Westminster University who make this program possible. A special thank-you to Program Manager Deborah Marzano, who leads each cohort, teaches marketing, coordinates every detail, and supports our participants every step of the way.
​

We also thank Dr. Richard Haskell for teaching financials, Professor Chelsea Dye for accounting, and Professor Charlie Warner for her inspiring entrepreneurship classes. We couldn’t do this without you!
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Left to right: Richard Haskell, Chelsea Dye, Deborah Marzano, Charlie Warner
Made by Possible by Synchrony

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Alan Urie Senior Vice President
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VP of Community Development Alysa Peterson
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Since 2010, Synchrony has been an invaluable financial partner of our program, recognizing the vision of empowering women business owners in Utah to thrive. Thanks to their unwavering support, over 25 cohorts have successfully graduated, creating a lasting impact on our entrepreneurial community. Their commitment to fostering success and building meaningful relationships has been instrumental in shaping the program and its participants. Thanks to Synchrony this program is offered via scholarship to each of the participants. ​

​We extend our heartfelt thanks to Synchrony for their exceptional dedication to supporting women in business. This program would not exist without your vision and continued partnership!
Not to Toot our Own Horn...

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Utah Microloan has been a partner of Banking on Women since the very beginning. As a non-profit microlender and Community Development Financial Institution, we are dedicated to make the dreams of small business owners a reality, with a focus on underserved communities across Utah. Growing women business owners has always been a top priority for the UMLF and last year 60% of our loans went to female founders!
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Executive Director - Doug Keefe
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Program Manager of Training and Outreach - Sara Day

Congrats ladies!

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Critical Hit Soda: Where Fantasy Meets Craft Soda on Wheels

8/11/2025

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Some small businesses are built to fill a need, and others are born from pure passion. Critical Hit Soda is both. Created by Beau and Alia Sampson, this family-run soda truck travels to gaming conventions and events across the country, serving up craft sodas with a fantasy twist. From the moment you roll a d20 at their counter to the first sip of a one-of-a-kind flavor, every detail is designed to spark connection, joy, and a sense of adventure. Now, with a new Kickstarter campaign, they are inviting fans to help bring their magical drinks to more people than ever before. Keep reading to learn more!
UMLF: Tell our readers about yourselves:
​Critical Hit: "We’re Beau and Alia Sampson, the husband-and-wife team behind Critical Hit Soda. Lifelong nerds and creatives, we’re also parents of four kids who all pitch in to help run the soda truck. We’ve always loved the energy of gaming conventions…the epic adventures, one-of-a-kind experiences, and the incredible friendships forged along the way.
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​We wanted to create something that added to that magic and gave us a way to build something meaningful together as a family." 
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Beau and Alia Sampson and their four children
UMLF: How did Critical Hit Soda get started and how did you land on the idea of combining gaming culture with craft soda?
PictureTwo con goers pointing out their favorite drinks
Critical Hit: "It all started at Gen Con. We were soaking in the amazing food, drinks, and atmosphere when we suddenly saw a path forward…a way to belong in the world we already loved. What better excuse to visit our favorite conventions every year?

As lifelong nerds, the fantasy theme was immediate. We literally blurted out the name Critical Hit Soda at the same time, and from there it snowballed: a dragon logo, a few drink names inspired by our favorite game… and before we knew it, we were driving from Utah to Tennessee to buy our first soda truck.
We realized soda was the perfect medium for storytelling with friends and family. It’s already a staple at the gaming table…so why not make it magical?"

UMLF: You take your soda truck to gaming conventions and events. What do you love most about connecting with people in person? And why choose a truck vs a traditional storefront?
PictureA happy Gen Con attendee with her fave drink
Critical Hit: "There’s nothing like the moment a customer steps up, rolls a d20 at our counter, and lands a critical hit for a discount. Everyone around them cheers…it’s pure joy and shared camaraderie. That sense of connection is what we love most. The truck gives us the freedom to go where the magic is already happening. We meet people in the heart of their favorite fandoms, creating an immersive and interactive experience that feels more like a quest than a transaction. A storefront would keep us in one place, but a truck? That’s an adventure waiting to happen.

The demand to bring Critical Hit Soda beyond conventions has grown faster than we ever imagined. As a single family with one truck, we just can’t be everywhere at once—but people keep asking, “How can I get this in my hometown?".

Critical Hit Launches Kickstarter Campaign

UMLF: You recently launched a Kickstarter for your Fantasy Soda line. What made you decide to go this route?
Critical Hit: "Our Kickstarter gave us the perfect way to launch nationally while staying true to our roots and supporting things in the gaming community we believe in. It allows us to bring our community into a big, magical moment and offer exclusive perks to the people who’ve supported us from the beginning, while still taking care of the people who may not have the ability to enjoy the conventions with us. As a family of 6 with a small business, it was important for us to include the whole community to the best of our ability." 
UMLF: How do you choose the artists and stories that go on each can? What does the creative process look like from concept to finished product?
Critical Hit: "Every soda we create is treated like a magic item…it should feel like something you’d discover in a game world, not just a drink on a shelf. We start with a flavor concept, then craft a backstory around it, making sure it fits seamlessly into our fantasy universe.
When it comes to choosing the artists, we’re incredibly intentional. Each one brings their own magic to the project. Mark Poole is a legendary name in fantasy illustration, known for his work on Magic: The Gathering and Dungeons & Dragons. Getting to know Mark was such a joy…he made the whole process feel like a few friends just sitting around and dreaming something up together. His classic, storytelling-driven style gave our Mimic flavor exactly the presence we were hoping for.
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Steve Argyle is a longtime friend of Critical Hit Soda. He and his wife order from us at conventions regularly. Even though he was fully booked for the year, he made an exception for us to illustrate the Owlbear can. His dynamic, high-energy style brings the creature to life in a way only Steve can.
And then there’s Kaitlund Zupanic, a local Utah artist whose breathtaking dragons completely won us over. Her gallery, Drawn to Dragons, is located in Provo, and her ability to infuse emotion, grace, and power into her fantasy creatures made her a perfect fit for our Silver Dragon flavor.
 
It’s a collaborative process from start to finish, and by the time a can is complete, it’s not just a drink…it’s a collectible artifact from another world."
UMLF: What are some of the highlights of the campaign that you're especially excited about?
Critical Hit: "Honestly, the best part has been seeing the community show up for this. Inside the campaign itself, we’re thrilled about the Epic Level Adventures we get to offer…once-in-a-lifetime experiences with legends in the community. A luxury cruise with Tracy and Laura Hickman, the creators of Ravenloft, was something people were buzzing about even before the launch.
Finally, being able to offer our sodas and the full experience outside the convention is amazing, but we’ve also packed the campaign with exclusive enamel pins themed like D&D magic items that actually have game mechanics at our truck, collector’s bundles for art lovers who want to support real artists, and so much more.
It’s all so much fun, because we’re building a world, not just a product."
UMLF: How is the Kickstarter helping you grow or evolve the business in new ways?
Critical Hit: "It’s opening the door to getting our drinks into the hands of gamers long after the convention ends, and into places we simply can’t be in person. It’s also leveling up the truck experience with the introduction of our enamel pins. We’ve lost count of how many times people have joked about stat bonuses when rolling for a discount… so now, that’s becoming a reality.
Ultimately, this Kickstarter is just the start. It’s the foundation for even bigger, better things we can bring to our community in the future."
UMLF: What kind of support have you seen from your customers and community during the campaign?
PictureLong lines of fans waiting for their perfect drink
Critical Hit: "It’s been overwhelming in the best way. Our regulars from cons and new people we’ve never met before are sharing the campaign, backing at high levels, and even sending encouraging messages.

​People want this and want to support us and our shared vision. It’s not just about soda…it’s about nostalgia, beauty, creativity, connection, and things we stand for. We’re deeply grateful." 

UMLF: Where can people find your sodas after the campaign wraps up?
Critical Hit: "Kickstarter backers will be the first to receive their fantasy sodas. After that, our goal is to support other small businesses, starting with local game stores, and make our epic cans available in gaming community hubs everywhere.
And of course, we’ll keep touring with the truck…because rolling a d20 for a soda will always be worth it and we love it."

UMLF: What advice would you give to someone thinking about launching their own creative business?
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Critical Hit: "Start with what makes you light up. Then, build systems around that joy. Creative businesses thrive when they’re rooted in authenticity and community. Also…ask for help. Surround yourself with good people and be happy there are others that know more than you do. Use your local resources (like the Utah Microloan Fund!), collaborate with others, and don’t be afraid to take risks. Every great campaign starts with a first step and a few bumps along the way. It’s a living, breathing thing and you have to be willing to adapt. It is the most stressful, most exhausting and most rewarding work you will do and you will come out with the most amazing experiences and amazing new friendships because of it."

UMLF: How has the Utah Microloan Fund helped you? 
Critical Hit: "The Utah Microloan Fund has been an incredible resource for us, not just financially, but in helping us think strategically about growth. Their support gave us the breathing room to take big steps forward with confidence, including investing in our truck and bringing our vision to more events.

They understand what it’s like to be a small, creative business and have been cheering us on every step of the way. Having that kind of partnership means the world to us."
Stay in Touch
Stay in touch with Critical Hit Soda for events, updates on their Kickstarter Campaign, drink ideas, and more! 
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  • Kickstarter Campaign:
    •  www.kickstarter.com/projects/criticalhitsoda/art-soda-crits
  • Website: https://criticalhitsoda.com
  • Instagram: www.instagram.com/criticalhitsoda
  • Facebook: www.facebook.com/CriticalHitSoda/​
  • Youtube: www.youtube.com/@criticalhitsoda
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Women Who Mean Business: Spring 2025 Banking on Women Graduates

5/1/2025

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 We're here to say a big congrats to our Spring 2025 graduates of Banking on Women!
Launched in 2010, Banking on Women is our entrepreneurship program for women in Utah who are looking to start or grow their own business. ​The curriculum covers all aspects of running a small business including business planning, market research, marketing, financial management, growth, and leadership and is offered in both an in-person cohort as well as a virtual cohort for women in rural areas. 

Our favorite part? While going through this class, our participants often find that they make lifelong connections and friendships with the other ladies, which couldn't be more true with these two groups.

 
These ladies committed 15 weeks of their lives to this program, which entailed weekly three-hour night classes + homework all while juggling running their businesses, families, and beyond. It takes a lot of grit to commit to working on your business and taking it to the next level, so these ladies deserve a huge round of applause! 
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Virtual Rural Graduates
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Our virtual Banking on Women cohort is designed to support women across Utah, especially those in rural areas or requiring special accommodations. With classes conveniently hosted on Zoom, we can ensure accessibility for all participants. We are always excited to see our cohorts come together with women from all over the state!

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Katherine Harkness 
Journey through time and discover vintage to new jeeps at The Jeep Guy Museum and make sure to visit their Dirt & Coffee coffee shop. 
  • www.instagram.com/dirtandcoffee
  • https://thejeepguymuseum.com

​📍- Fillmore, Utah

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Lori Nawyn​
​Huckleberry Moose is a happy place with happy things heartcrafted by artist Lori Nawyn. Visit her retail space or order online. 
  • https://lorinawyn.com
  • www.instagram.com/hb_moose

​📍- Hyrum, Utah

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Kimberly Carlile-Brinkerhoff
On The Brink is a developing social enterprise founded by Kimberly, a mom of a child with special needs, that aims to create inclusive job opportunities through an adventure course and RV park where individuals with special needs can earn a fair wage and build valuable work experience.
  • 435-592-2762
  • [email protected]

📍- Cedar City, Utah

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Wendi Shipley
Wendi owns Menchie's Frozen Yogurt in Payson, Utah. Follow her social media to see fun specials and community offerings. 
  • www.menchies.com/locations/frozen-yogurt-payson-u
  • www.instagram.com/menchiespaysonut

📍- Payson, Utah

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Lauren Doucette
Feel Good Body integrates flexible, functional nutrition and fitness for straightforward, holistic health.

  • www.feelgoodbodycoach.com 
  • www.instagram.com/feelgoodbodycoach

📍- Moab, Utah

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Tara Tucker - Beaver, Utah
Tucker High Adventure Tours, owned by Tara Tucker, is a family-run adventure company in Beaver, Utah, offering year-round guided experiences like snowmobiling, UTV tours, and climbing for outdoor lovers of all skill levels.
  • https://tuckerhighadventuretours.com
  • www.facebook.com/tuckerhighadventuretours​

📍- Beaver, Utah


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Jennifer Gulareck 
Legacy Partners is a sustainability-focused company that develops affordable housing solutions like tiny homes and container homes, and builds solar farms to drive innovation in renewable energy and agriculture.
  • www.legacy-partners.us
  • [email protected]​
​​📍- Duschene, Utah​

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Chelsea Rogers
BRONXII offers pet sitting, overnight boarding, grooming, and specialized care to senior dogs, puppies, cat and kittens. 
  • Book now: [email protected]
  •  www.instagram.com/bronxii.thehusky
​​📍- Duschene, Utah
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Banking on Women In-Person Graduates

Our in-person Banking on Women cohort is tailored for women residing in Salt Lake and the surrounding counties, offering an engaging classroom experience at Westminster University in Sugar House. 
In-Person Pitch Night

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Brittany Feala
Brittany owns Lilac Press Co, a bookish lifestyle brand that blends fantasy, fashion, and a little rebellion against the ordinary. Whether you’re a cozy reader, a quote collector, or the main character in your own dark academia novel, she wants to create things you actually want to wear, gift, and fall in love with.
  • www.instagram.com/lilacpress.co

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Kira Brooks
​Moone Light Fades is a mobile barber shop in the Salt Lake Valley specializing in haircuts, shaves, and more.
 
  • Book an appointment
  • www.instagram.com/moonelightfades​
  • www.facebook.com/moonelightfades

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Halee Windley
 Taste SPUDS serves up the best baked potato you will ever have in your life. With flavors like jalapeño popper, Thanksgiving, and more you will be ordering her catering or visiting her truck. 

  • www.facebook.com/TasteSpudsUtah
  • www.instagram.com/tastespudsutah​

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Selama Dickerson
Rollin’ Harvest, founded by Selam Dickerson, is a mobile farmers market that brings fresh, culturally diverse produce directly into neighborhoods while supporting small-scale growers, accepting SNAP/EBT, and breaking down barriers to food access in underserved urban areas.
  • www.instagram.com/farmerselam

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Clarysa Park

Discover Japantown Utah is a community-driven project that celebrates and revitalizes Salt Lake City’s historic Japantown through cultural events, storytelling, and local partnerships, honoring its legacy while creating space for future generations to connect and thrive.
  • www.slcjapantown.com
  • www.instagram.com/slcjapantown
  • [email protected]
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Kerri Clement
Jake’s Bakes is a small, Utah-based business founded by Kerri, a devoted dog mom who turned her love for baking and her pup Jake into a line of homemade, all-natural dog treats. Using only human-grade ingredients and added collagen, Keri creates fun and snacks like Pup Tarts and Canine Cannoli to help dogs feel as loved and spoiled as they deserve.
  • www.instagram.com/jakesbakestreats
  • [email protected]
  • https://jakesbakesllc.com

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Kathleen Sykes
Coming soon - Yardstick Studios, founded by Kathleen Sykes, creates custom-sized sewing patterns for sewists who value high-quality, well-fitting clothing, offering both digital and printed options tailored to individual measurements and designed to make garment-making easier and more rewarding.
  • [email protected]

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Kate Anderson
Ternion Coaching, founded by Kate Anderson, helps individuals and teams build clarity, resilience, and meaningful progress through personalized coaching that blends mindset, strategy, and action.

  • www.instagram.com/ternioncoaching
  • www.ternioncoaching.com

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Deborah Brown
PaRicDe Enterprise & Ministry, LLC is owned and operated by Deborah De’ Brown, an ordained minister and certified holistic practitioner who offers wholistic health products and services, including her handmade De’ Balm, to support natural healing, spiritual wellness, and sensitive skin care.
  • 385-489-4445
  • www.facebook.com/PaRicDe



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Jessica Belmont
Founded by Jessica Belmont, Cookie Keepsake is a luxury, on-site dessert experience that transforms event photos into edible memories using custom-printed cookies, offering guests a fun and personal treat they can take home from weddings, corporate events, and special occasions.
  • [email protected]

Apply Now for our Fall Cohort of Banking on Women

This could be you! Whether you dream of launching a new business or growing the one you already have, our Banking on Women program is here to help you make it happen. Join a community of women entrepreneurs across Utah who are building confidence, gaining essential business skills, and turning their ideas into reality. Our fall cohorts are filling up fast, so don’t wait. Apply now at www.utahmicroloanfund.org/bankingonwomen. The deadline to apply is May 15th.
Thank You to the Westminster University Team
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We are so grateful for our amazing partners at Westminster University who make this program what it is today. A special shoutout to Program Manager Deborah Marzano, who is truly the glue that holds everything together. Deborah not only teaches the marketing sections of the course, but she also leads each cohort, coordinates all the moving parts, and supports the women every step of the way. Thank you for everything you do, Deborah!

​We also want to thank Dr. Richard Haskell for taking on the ever-dreaded (but essential) financials section, Professor Chelsea Dye for teaching accounting, and Professor Charlie Warner for her inspiring intro to entrepreneurship classes. We could not do this without you!

Over A Decade of Impact: Synchrony’s Commitment to Women in Business

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Alan Urie Senior Vice President, VP of Community Dev Alysa Peterson
Since 2010, Synchrony has been an invaluable financial partner of our program, recognizing the vision of empowering women business owners in Utah to thrive. Thanks to their unwavering support, over 25 cohorts have successfully graduated, creating a lasting impact on our entrepreneurial community. Their commitment to fostering success and building meaningful relationships has been instrumental in shaping the program and its participants. Thanks to Synchrony this program is offered via scholarship to each of the participants. ​

​We extend our heartfelt thanks to Synchrony for their exceptional dedication to supporting women in business. This program would not exist without your vision and continued partnership!

Not to Toot Our Own Horn...

Utah Microloan has been a partner of Banking on Women since the very beginning. As a non-profit microlender and Community Development Financial Institution, we are dedicated to make the dreams of small business owners a reality, with a focus on underserved communities across Utah. Growing women business owners has always been a top priority for the UMLF and last year 50% of our loans went to female founders!

Over the years our role in the program has changed but now we are the proud outreach managers of the program, handling the marketing and community engagement about the program to all corners of the state. We also serve as judges for the Pitch Night where each of the ladies pitch their business to a panel. We are so grateful to be a partner of this program!​
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Executive Director Doug Keefe and Program Manager of Training & Outreach Sara Day
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Lucero Hair & Wellness Celebrates Two Fabulous Years

2/21/2025

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PictureOwner Josh Lucero
You know that feeling when parents blink, and suddenly their little one is already two years old? That’s exactly how we feel about Lucero Hair and Wellness! Time has flown by, and in those two years, owner Josh Lucero and his team have been busy working their magic, creating incredible styles for the community. Along the way, they’ve racked up impressive accolades, including Best of Utah's Best Salon of 2024 award.

From the latest haircuts and colors to hair replacements, facials, waxing, beard trims, and shaves, every service is designed to leave you feeling like a million bucks. Best of all, Lucero Hair and Wellness is a gender-free salon, meaning all services are priced by time, not gender—because great hair is for everyone.


But Lucero is more than just a salon—it’s a space for connection and education. Each month, they bring people together for hands-on sessions, sharing the latest trends and techniques to keep the industry evolving. They also host community-focused events, from educational classes to their Gender-Free Haircut Club days, ensuring everyone has access to a welcoming, inclusive space. Here’s to two years of style, impact, and community—cheers to many more! Keep reading to catch up with Josh. 

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UMLF: What have been some of the most rewarding moments since opening your doors? Are there particular achievements or milestones that stand out?

Joshua: "Honestly, the community we have built! It has been so humbling seeing parents bring in their children, people bringing their partners, and just folks loving our mission and vision. It is so rewarding to know that people understand that hair is so personal and makes you feel like your authentic self, no matter your identity. I have loved all the community volunteering we have done. There were over 300 hours that our team did collectively, and the Gender Free Haircut Club event will always reign supreme!"

More Than a Haircut: A Safe Space for LGBTQIA+ Youth

The Gender Free Haircut Club is a recurring community event hosted Joshua, his team, and community volunteers dedicated to providing a safe, affirming space for LGBTQIA+ youth. Open to individuals up to 18 years old this event offers free haircuts, styling, nail painting, light makeup, and the opportunity to select an outfit to wear on stage and take home.
With mentorship from LGBTQIA+ adults, the event fosters connection and representation, showing them they are valued and supported. Reservations are required to ensure smooth scheduling, and while no hair washing or coloring is provided, each haircut is designed to be efficient and affirming.
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The event also features live music, drag performances, giveaways, and a welcoming community atmosphere. Donations and volunteer support help make this initiative possible, reinforcing the message that LGBTQIA+ youth are seen, celebrated, and empowered to thrive.
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UMLF: How has the Salt Lake City community influenced your salon's growth and mission? Are there specific community events or particularly impactful partnerships?

Joshua: "This community has welcomed us with open arms! We couldn't be more grateful for the love and support of so many other businesses and organizations. They have attended events, donated items and money for different parties, and truly just shared us with the ones they love. We have built something that people consider a safe and comfortable "3rd Home", which was my ultimate goal. We have loved partnering with Flourish Therapy, The Utah Pride Center, and The Utah Microloan Fund and love how all of our paths cross."


UMLF: How did the loan from UMLF help bring your vision for Lucero Hair and Wellness to life? Were there any specific challenges it helped you overcome or goals it made possible?

Joshua: "It made the whole dream possible! I wouldn't have been able to get the funding I needed to truly create my dream! I would have had to scrounge a bit or wait even longer to make it come to life. It changed the way I view myself, in terms of "credibility". I am so thankful to the  Utah Microloan Fund!"

UMLF: You also received an Opportunity Boost Grant from the UMLF this year. Congrats! How did you allocate grant funds? Were there specific projects or improvements that the grant made possible?

Joshua: "That grant was such an amazing success for us! We were able to start our Community Inspired Education program, which has been a hit. This program is offered for the community to come in and learn about their hair, skin, or makeup application. We have 7 different classes throughout the year, and they range from all of those topics. Each participant will receive a take-home home with products and tools to find that success at home as well."

UMLF: Have you introduced any new services or products in the past year? How have these additions been received by your clients?

Joshua: "We haven't added any specific services, but we did introduce a new part of the business. We now have 3 Customer Experience Coordinators who handle all the day-to-day interactions and needs of every client. They have truly helped the day flow and increase client retention!

UMLF: Can you tell us about any new team members who have joined recently and how they have they contributed to the salon's dynamic and client experience?

Joshua: "We have brought the Customer Experience Coordinators and a few new stylists who have just made our team more colorful and energetic! They truly light up the studio and make every single person feel welcomed and seen."

UMLF: What are your aspirations for Lucero Hair and Wellness in the coming years? Are there upcoming projects or goals you're excited about?

Joshua: "We have so much on the horizon, and I am so excited to start unfolding it all. Some of it we can't talk about yet, but we will have even more education, more community events, and more presence in the community, and plan to be even more diverse, equitable, and inclusive than we ever have been! 2026 will be a year of GROWTH and I am already planning to share that project by Fall 2025. Stay tuned and connected! We would love to welcome anyone in to receive a truly custom hair experience!"

Stay in Touch!

Website: www.lucerohairandwellness.com
Instagram: www.instagram.com/lucerohair_andwellness
Facebook: www.facebook.com/lucerohairandwellness
Tiktok: www.tiktok.com/@lucerohairandwellness

Book an appointment: 
https://lucero.aurasalonware.com/login
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A Smile Above the Rest - Fine Art Denture Lab

2/3/2025

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Fine Art Denture Lab’s expert-crafted dentures, showcasing lifelike quality and precision in design.

Crafting Smiles for Over Five Decades

Fine ART Denture Lab, LLC is a family-owned dental laboratory located in St. George, Utah, dedicated to crafting high-quality dental prosthetics with exceptional fit and aesthetics. With over five decades of experience in the dental laboratory field, founder Bob, a Navy Vietnam veteran, leads the lab alongside his wife, Terri, a certified dental assistant, and their son, Aaron, a 13-year Navy combat veteran.

​Together, they combine traditional craftsmanship with modern technology and their commitment to excellence ensures that both dental professionals and patients receive what they need to have that million-dollar smile.

​Keep reading to learn more about our February Business of the Month!
The owners of Fine Art Denture Lab, a dedicated husband-and-wife team, standing together in their dental lab, committed to quality craftsmanship and exceptional customer service.
Owners Bob & Terri Vavas
UMLF: Hi Robert! We’re excited to interview you as our Business of the Month. Tell us about yourself. 
​Robert: "My wife, Terri, and I have been married for 32 years. Terri manages the office and handles all our pick-up and delivery. Together, we raised five children and now have numerous grandchildren and great-grandchildren. We own and operate Fine Art Denture Lab.

After being discharged from the Navy in 1973, I attended Dental Laboratory Technician School, specializing in Removable Prosthetics. I have an extensive background in my field—too extensive to list here—but I can say this: in my 52 years in Dental Laboratory Technology, I have worked in labs, managed removable departments, overseen a 20-person full-service lab, and operated my own lab in my home state of Montana. I am also a past president of the Montana Dental Lab Association. Additionally, I’ve worked side by side with the president of the Montana Dental Association at the legislative level.
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Twenty-one years ago, I packed up the family for a vacation without telling them where we were going. When we arrived in St. George, Utah, they all fell in love with it. I told them, “Good, because I’m done with the cold, and this is where we’re moving.” We haven’t regretted a single day—well, maybe on the days when it’s 110+ degrees! I did try (and I would like to stress try) to retire. But retirement and I were not good friends. So, back to the dental lab I went. Quite honestly, I’m doing what I love: helping people smile again and feel good about themselves."
A row of custom dentures mounted on blue and red articulators, with corresponding case documentation, prepared for fabrication at Fine Art Denture Lab.
Precision in Progress
UMLF: Can you share the story behind the founding of Fine ART Denture Lab, LLC? What inspired you to start your own venture?
Robert: "Approximately two and a half years ago, while recovering from COVID at home, I asked my wife what she thought about us opening our own dental lab again. After a moment of silence—and knowing me as only she does—she looked at me and said, “Honey, you and I both know you are a very talented technician whose skills are not being fully utilized. You’re great with customer service, and you know how to run a dental lab. I’ll support you 100%.” She has stood by that promise to this very day, and that moment marked the founding of Fine Art Denture Lab.
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What inspired me (and us) to open our dental lab is simple and, in my opinion, should be the foundation for all business owners: quality and customer service should go hand in hand. Our mission has always been to deliver high-quality dental appliances to our accounts, paired with excellent customer service at a fair price—something that seems to have been forgotten in today’s world. I knew I could do things differently and at a higher quality in my own dental lab while providing our accounts with what I believe doctors and their patients truly deserve.
As a denture wearer myself, I understand the challenges denture wearers face. It allows me to put myself in their shoes, which brings a deeper level of compassion and care to what I do."
UMLF: What range of services does Fine ART Denture Lab provide, and are there specific areas or technologies you specialize in?
Robert: "We started out being a Removable Dental Prosthetics Laboratory, being my specialty. We provide Full Dentures, Partial Dentures (Metal and Acrylic), Immediate Dentures, Flexible Unilateral Partials, Flippers, Nightguards, Mouthguards, Splints, relines, repairs and a variety of other services associated with Removable Appliances. We offer the only Ivoclar IvoBase Injection System (a very superior method of processing Dentures), in Southern Utah. We are well versed with snap on Implant Dentures and Denture Conversions. We are also an All on X screw retained capable Dental Laboratory." 
Cutting-edge digital dental technology, including 3D scanning and CAD/CAM software, used at Fine Art Denture Lab.
Cutting-edge digital dental technology, including 3D scanning and CAD/CAM software, used at Fine Art Denture Lab.
 A set of custom-crafted dentures from Fine Art Denture Lab, designed for comfort and a natural look.Full dentures
UMLF: With over five decades in the dental laboratory field, how have you seen the industry evolve, and how has your experience shaped the services you offer today?
Robert: "Materials have to come first and foremost. I have witnessed the evolution of denture teeth, from porcelain to acrylic to today’s modern four-layer, high-quality composite lifelike denture teeth. Denture acrylics have advanced in the same way. Modern denture acrylics are now complex formulations designed to minimize liquid content, such as in our Ivobase System, which reduces residual liquid to just 0.01%. This system also allows natural mouth fluids to coat the tissue side of the denture more evenly, resulting in greater suction and better fit. Additionally, we now have pucks for milling dentures, which provide exceptionally well-fitting results. Watching the evolution of materials over the years has been truly remarkable.

As for the most significant change on the horizon, it’s undoubtedly the digital age. Analog methods, which have been the gold standard for decades, are gradually giving way to digital technology. Advances in intraoral scanners, dental lab desktop scanners, mills, 3D printers, resins, and CAD/CAM software are shaping the future of the modern dental laboratory. While analog methods will always have a place, digital is clearly the future.
As a dental lab technician who has kept up with industry changes, I’ve always been intrigued by what’s new and exciting. I’m not afraid of technology or innovative products, especially when they deliver on their promises.
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We knew that introducing digital technology into our lab wasn’t just optional—it was essential. Eventually, labs that refuse to embrace digital workflows will fall behind, and I see that happening already. We handle a large volume of digitally sent cases, and if you’re not equipped to accept digital cases, those clients will simply go elsewhere. For us, the decision was a no-brainer."

​UMLF: What future developments or expansions are you planning for Fine ART Denture Lab, and how do you envision the lab evolving in the coming years?
​Robert: "At present, we are developing our Fixed Department, which allows us to manufacture crowns, bridges, and veneers using a variety of high-quality materials—whether handcrafted, milled, or pressed. This expansion also enables us to offer Zirconia as an option for all-on-X implant cases, in addition to our existing materials.

Our vision for the future has remained the same since day one: to develop the premier full-service dental lab in Southern Utah. In the two years and two months since we opened, we have built a strong reputation for quality and exceptional service. Hard work, diligence, and a commitment to following through on our intentions from the very beginning have driven our success. We are now at the point where we receive referrals from dentists to other dentists, which is a testament to our dedication. As long as we keep these values at the forefront and with the continued growth of the Southern Utah area, our vision will continue to take shape. Over the next three years, I see us expanding to include several team members in each department."
A close-up of an Ivotion® denture puck alongside a 3D-milled denture and dental arch, showcasing advanced digital denture fabrication technology.
Ivotion® denture puck alongside a 3D-milled denture and dental arch, showcasing advanced digital denture fabrication technology.
UMLF: How do you feel like the Utah Microloan Fund has helped your business?
Robert: "Without the Utah Microloan Fund, my chances of owning a dental lab again were pretty slim. The loan I received helped me purchase the necessary equipment, cover some remodeling expenses, and fund advertising and printing costs to get started.
When I wanted to add a Digital Department, we had half of the funds needed, and once again, they were there to help us cover the cost of the equipment. Later, when it was time to develop the Fixed Department, we needed a specialized compressor for the mill and a few other essential items. The Utah Microloan Fund was there for us yet again.
They have supported us at every stage, increasing our chances of success. We are incredibly grateful to the Utah Microloan Fund and their pleasant, helpful staff. They have helped us turn a dream into reality."
Stay Connected
  • ​Website: www.fineartdenturelab.com
  • Phone: 435-619-6442
  • ​Email: [email protected]
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Meet the Graduates of Banking on Women Fall 2024

11/19/2024

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We're here to say a big congrats to our Fall 2024 cohorts of Banking on Women!

Launched in 2010, Banking on Women is an entrepreneurship program for women in Utah who are looking to start or grow their own business. ​The curriculum covers all aspects of running a small business including business planning, market research, marketing, financial management, growth, and leadership and is offered in both an in-person cohort as well as a virtual cohort. 

Our favorite part? While going through this class our participants often find that they make lifelong connections and friendships with the other ladies in the class and that couldn't be more true with these two groups.

 
These ladies committed 15 weeks of their lives to this program, which entailed weekly three-hour night classes + homework all while juggling running their businesses, families, and beyond. It takes a lot of chutzpah to commit to working on your business and taking it to the next level, so these ladies deserve a huge round of applause! 

Thank You to the Westminster University Team!

PictureDr. Richard Haskell, Chelsea Dye, Deborah Marzano, and Charlie Warner.
Without the amazing team at Westminster University, this program would not be what it is today. Program Manager Deborah Marzano is the glue that makes the program work. In addition to teaching the marketing sections of the class, Deborah leads each cohort and coordinates everyone and everything that makes the programs happen. She is also the cheerleader, therapist, and momma bear for all of the women when needed! Thank you for all you do Deborah.
​Additional thanks to Dr. Richard Haskell for teaching the ever-dreaded but necessary financials sections, Professor Chelsea Dye for teaching the accounting sections, and Professor Charlie Warner for her informative intro to entrepreneurship classes. 


Over A Decade of Impact: Synchrony’s Commitment to Women in Business

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VP of Community Dev Alysa Peterson, and Alan Urie Senior Vice President
Since 2010, Synchrony has been an invaluable financial partner of our program, recognizing the vision of empowering women business owners in Utah to thrive. Thanks to their unwavering support, over 25 cohorts have successfully graduated, creating a lasting impact on our entrepreneurial community. Their commitment to fostering success and building meaningful relationships has been instrumental in shaping the program and its participants. Thanks to Synchrony this program is offered via scholarship to each of the participants.
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We extend our heartfelt thanks to Synchrony for their exceptional dedication to supporting women in business. This program would not exist without your vision and continued partnership!

Not to Toot Our Own Horn...
Utah Microloan has been a partner of Banking on Women since the very beginning. As a non-profit microlender and Community Development Financial Institution, we are dedicated to make the dreams of small business owners a reality, with a focus on underserved communities across Utah. Growing women business owners has always been a top priority for the UMLF and last year 60% of our loans went to female founders!

Over the years our role in the program has changed but now we are the proud outreach managers of the program, handling the marketing and community engagement about the program to all corners of the state. We also serve as judges for the Pitch Night where each of the ladies pitch their business to a panel. We are so grateful to be a partner of this program!​
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Executive Director Doug Keefe and Program Manager of Training & Outreach Sara Day

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Ability Wholesale Wins Opportunity Boost Grant from Utah Microloan Fund

10/24/2024

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Owner Elham Neilson of Ability Wholesale & Distribution

The Best Night Sleep You Will Ever Have

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Luxury sheets available in 1500 or 820 thread count
Ability Wholesale & Distribution, Inc. is a company that specializes in bringing high-quality bed sheet sets to customers at fairs and festivals across the region. With over 20 years of experience in sales, founder Elham Neilsen has built a business that thrives on delivering exceptional products and customer satisfaction. The company is known for its soft, luxurious bed sheets, which have won over countless repeat customers.

Keep reading to see why she was awarded an Opportunity Boost Grant from the Utah Microloan Fund!

Luxurious Comfort and Style That Won’t Break the Bank

At the heart of Ability Wholesale & Distribution is a passion for providing products that people love. Elham Neilsen is driven by a desire to create not just a successful business, but one that continually delivers value to its customers.

​With a focus on repeat business, Ability Wholesale’s success is fueled by the loyalty of satisfied buyers who return time and again for the comfort and quality of the sheets. As the company grows, profitability and customer satisfaction go hand in hand with the opportunity to create more jobs, which is a key part of Elham’s vision.

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Smiles all around with these sheets

A Little Help Along the Way - Microloans from the Utah Microloan Fund

Elham Neilsen recalls how the Utah Microloan Fund (UMLF) twice helped her purchase the bed sheets she needed to sell at fairs and festivals. She expresses deep gratitude, stating that UMLF was always there to support her business, never failing to lend a hand when it was most needed.

​"They were like angels from heaven looking after us," she says, emphasizing her appreciation for their unwavering assistance. Elham is truly thankful for the crucial role UMLF played in her journey to success.

How COVID Pulled the Covers Over Sales

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The COVID-19 pandemic was a horrible time. No one could talk to anyone, and everyone was living in fear. We were all isolated, unable to visit each other for help or support. It felt like the world was frozen in terror. There was so much chaos. For our business, it was particularly difficult because fairs and festivals—our main way of reaching customers—were either completely shut down or heavily limited. Without these events, it was nearly impossible to connect with people, and that made running the business a real struggle.

How Could an Opportunity Boost Grant Help Ability Post COVID?

With the support of these funds, Elham plans to retain the jobs of her current employees while creating new opportunities for others. The grant will enable her to expand her presence at more fairs and festivals, increasing her reach and, ultimately, her sales.

​By attending additional events, she can introduce her high-quality bed sheet sets to a wider audience, capitalizing on the strong customer loyalty she has built over the years. With more hands on deck, Elham is confident that she can grow her business, creating a larger team of sales staff to help her meet the demand for her popular products.
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Elham's employee Jana selling sheets at the fair

Made Possible by ARPA & SLC Econ Development

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Powered by funds from the American Rescue Plan Act (ARPA) and orchestrated by the Salt Lake City Department of Economic Development, the Salt Lake City Community Grant Program was created to help small businesses, artists, artisans, and nonprofits grappling with the aftershocks of the COVID-19 pandemic. The Utah Microloan Fund applied for this grant to enable us to create the Opportunity Boost Program benefitting our existing clients who needed a little boost to help them grow and stabilize. This is the first grant program of its kind for the UMLF as normally we only provide microloans to the small business community. To be able to just give money vs lend it was a big treat for our team!

Eligibility of Small Business Owners invited to apply for the Opportunity Boost Grant:
  • In business as of March, 23rd 2021.
  • Existing loan client of the Utah Microloan Fund. 
  • Located within Salt Lake City limits.
  • ​A business impacted by the COVID-19 pandemic. 
  • Granted funds fuel a growth plan, with tangible outcomes such as revenue and job growth.

Why Salt Lake City?
Salt Lake City is a very beautiful city. It is a great place to own your own business, and you always get help from the small business association. It is also a great place to work and raise a family. It has both organic growth and an influx of new people. It has stability, and it is a dynamic city with beautiful mountains.
Stay Connected
To find out where Ability Wholesale will be next you can reach them at:
  • Email: [email protected]
  • Phone: (801) 966-2628
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Lucero Hair & Wellness Wins Opportunity Boost Grant from Utah Microloan Fund

10/9/2024

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Lucero Hair & Wellness - Salt Lake City's Inclusive Hair Haven

Joshua Lucero, the visionary behind Lucero Hair and Wellness, has created a salon that focuses on inclusivity and overall well-being for the community. By offering gender-neutral haircuts and billing based on time rather than traditional men’s or women’s cuts, Joshua ensures that all clients feel welcome and respected. Combining his passion for hairstyling with a commitment to health, he provides a holistic beauty experience that nurtures both body and mind, allowing clients to leave feeling rejuvenated and confident. Keep reading to learn why Lucero Hair & Wellness was awarded an Opportunity Boost Grant from the Utah Microloan Fund!
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Owner Joshua Lucero
​Located at 1095 S. State St. in Salt Lake City, this space is not labeled as a “salon” or “barbershop,” avoiding the gendered associations of those terms. Instead, it's a welcoming hair studio where clients can ask for the style they want and walk out with the look they envisioned, hassle-free. An important thing in the LGBTQ+ community and for people who are experiencing a transition in their life. 
“I think that’s one of the first most powerful steps,” Lucero said. “If you can get a haircut and feel like who you are, that’s a huge change for someone. I’ve had so many people tell me, ‘You’ve saved my life.’ Being able to do that for more people, I think is extremely important.
Trimmed by the Pandemic, Growing Back Stronger
Josh experienced significant challenges during the COVID-19 pandemic. His business was forced to close for seven weeks, and even after reopening, he and his team could only work minimally due to restrictions. The impact on the hair industry was profound, with many clients unable or unwilling to come in, leading to a sharp decline in business.

​As the pandemic wore on, Josh faced additional hurdles. He fell ill multiple times, which required him to take extended periods off work. This further delayed his ability to rebuild the business. When he was able to resume, he had to focus on marketing to new clients, as many of his regulars had either moved away or shifted to other services. The pandemic required him to adapt quickly, working harder to regain the trust and confidence of his clientele while navigating the health risks and uncertainty that affected the entire hair industry.
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1095 S State St
I opened a small studio in January of 2020 and had aspirations to open a larger scale of that in the summer, but with the COVID pandemic, that fell through and so did the investors. I continue to work in that studio for 3 years until I was asked to receive funding from UMLF to open our downtown location of Lucero Hair and Wellness. We plan to expand to our second location next fall, in Utah county. Our business is unique in what we offer, and we cater to all people, which allows us to truly scale our business and always be able to serve our guests and communities.
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Josh weathering COVID
A Little Help Along the Way
Josh originally came to the Utah Microloan Fund to apply for funding for his now beloved downtown location. Josh credits the funding he received with helping them open their doors and providing ongoing support along the way. Josh has attended several virtual classes of the UMLF and found the inspiring stories and deep insights shared to be incredibly impactful. The organization’s continued support of a mission close to Josh’s heart, along with their belief in the success of marginalized communities, has been invaluable to the growth of Lucero Hair and Wellness.

How Could an Opportunity Boost Grant Help Lucero Post COVID?

Josh plans to use funds from the Opportunity Boost Grant to launch community classes tailored for marginalized communities, with a specific focus on LGBTQIA+ individuals who faced financial difficulties due to the COVID-19 pandemic. The grant will enable him to expand his offerings by providing not only the courses but also the necessary supplies for participants to continue practicing their new skills at home.
The classes will center around issues such as hair loss, a common struggle resulting from both COVID-19 itself and the associated stress. With the grant's support, Josh will be able to teach participants how to wear wigs and other hair-related items, offering them new ways to feel beautiful and confident.
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Josh teaching a class
In addition to funding the courses, the grant will allow Josh to market these programs through partnerships with organizations like The Utah Pride Center, Flourish Therapy, and other local groups with aligned missions. His aim is to reach trans and non-binary people of color, a community that often lacks access to specialized services in Utah. Through this initiative, Josh hopes to foster a sense of hope and empowerment among those most in need. Way to go Josh!

Made Possible by ARPA & SLC Econ Development

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Powered by funds from the American Rescue Plan Act (ARPA) and orchestrated by the Salt Lake City Department of Economic Development, the Salt Lake City Community Grant Program was created to help small businesses, artists, artisans, and nonprofits grappling with the aftershocks of the COVID-19 pandemic. The Utah Microloan Fund applied for this grant to enable us to create the Opportunity Boost Program benefitting our existing clients who needed a little boost to help them grow and stabilize. This is the first grant program of its kind for the UMLF as normally we only provide microloans to the small business community. To be able to just give money vs lend it was a big treat for our team!

Eligibility of Small Business Owners invited to apply for the Opportunity Boost Grant:
  • In business as of March, 23rd 2021.
  • Existing loan client of the Utah Microloan Fund. 
  • Located within Salt Lake City limits.
  • ​A business impacted by the COVID-19 pandemic. 
  • Granted funds fuel a growth plan, with tangible outcomes such as revenue and job growth.

Why Salt Lake City?
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I love seeing our community come together and support one another. We all have this need to help and to support other community members and seeing how we put aside competition to truly elevate one another is inspiring. I love being able to give back to the LGBTQIA+ community in SLC because it helped me grow as a human and taught me so much about love and resilience. Our city is growing, and I hope that our business will continue to be a staple for all of the growth and years to come.

Stay Connected with Lucero Hair & Wellness:
  • Website: https://lucerohairandwellness.com​
  • Facebook: www.facebook.com/lucerohairandwellness
  • Tiktok: www.tiktok.com/@lucerohairandwellness
  • Instagram: www.instagram.com/lucerohair_andwellness
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Worthfull Media Wins Opportunity Boost Grant

10/1/2024

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Owner Christine Baird

Worthfull Media - Salt Lake City's Boutique Media Production Studio

Worthfull Media is the brainchild of Christine Baird, a media strategist who loves podcasts, hosting, design, and everything in between. After years in corporate sales, Christine did a career 180 and has been working in media production and content strategy since 2014. 
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In 2018, she stepped away from producing that brand and started Worthfull Media. A boutique media production studio that serves seasoned founders, coaches, consultants, speakers, and authors who podcast and YouTube. 
Since then it has grown to support dozens of small businesses, personal brands, and larger endeavors in launching and growing their shows and impact. Keep reading to learn why Worthfull Media was chosen for an Opportunity Boost Grant from the Utah Microloan Fund.

What Makes Worthfull Worth It?

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We LOVE what’s possible when experts share their wisdom through podcasts. We think it’s one of the very best ways to connect our human race and share the knowledge we are learning together. Our core values come from a decade of working closely with recognizable personal brands and seeing the power — and pitfalls — of making media in the digital age. We make shows that share your best ideas and attract your ideal audience without sacrificing your well-being or self-worth. We call it worthfull media.
A Little Help Along the Way
Christine's business grew organically through referrals, eventually expanding to include video editors, audio editors, and show managers. In 2022, she opened a brick-and-mortar studio, made possible by a microloan from the Utah Microloan Fund. This financial support was instrumental not only in establishing the initial studio but also in encouraging Christine to envision the business on a larger scale. Since then, Worthfull has moved to a co-working space where they continue to record, while also pivoting to work with both remote and local clients on seasonal shows and personal brand-anchored projects.
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The Utah Microloan Fund has made the dreams of small business owners a reality since 1991.

Quiet on Set....

Christine faced a significant decline in acquiring new clients during the COVID-19 pandemic, as many clients opted to postpone or cancel their projects. The pandemic caused a general slowdown in ongoing work, which greatly impacted revenue and created uncertainty for her business. Production studios across the industry faced similar challenges, with many halting operations due to safety concerns and restrictions on in-person gatherings. The disruption in production timelines, combined with reduced demand for new content, placed a strain on many studios, including Worthfull Media. Despite these setbacks, Christine remained resilient, finding creative solutions to continue offering media services in a more flexible and remote manner.
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COVID-19 caused major disruptions in the production industry

How Could an Opportunity Boost Grant Help Worthfull Media?

Christine plans to use the granted funds to promote her main contractor, her Show Manager, to the role of Producer. These funds will support the necessary training and skill development, ensuring she is prepared to take over the majority of client work directly. Additionally, the funds will cover a pay raise, which will help Christine close the gap in overhead and streamline operations, positioning the business for sustainable growth.

Made Possible by ARPA & SLC Econ Development

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Powered by funds from the American Rescue Plan Act (ARPA) and orchestrated by the Salt Lake City Department of Economic Development, the Salt Lake City Community Grant Program was created to help small businesses, artists, artisans, and nonprofits grappling with the aftershocks of the COVID-19 pandemic. The Utah Microloan Fund applied for this grant to enable us to create the Opportunity Boost Program benefitting our existing clients who needed a little boost to help them grow and stabilize. This is the first grant program of its kind for the UMLF as normally we only provide microloans to the small business community. To be able to just give money vs lend it was a big treat for our team!

Eligibility of Small Business Owners invited to apply for the Opportunity Boost Grant:
  • In business as of March, 23rd 2021.
  • Existing loan client of the Utah Microloan Fund. 
  • Located within Salt Lake City limits.
  • ​A business impacted by the COVID-19 pandemic. 
  • Granted funds fuel a growth plan, with tangible outcomes such as revenue and job growth.

Why Salt Lake City?

Salt Lake has a really great energy for business owners and economic development. There is a lot of support offered to new and existing businesses of all sizes, and especially as a woman-owned business, I feel a big sense of community that I am grateful for.
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Stay Connected with Worthfull Media

Website: https://worthfullmedia.com
Youtube: Worthfull Media Youtube
Facebook: www.facebook.com/worthfullmedia​
Instagram: www.instagram.com/worthfullmedia​

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Everything Utah Wins Utah Microloan Fund Opportunity Boost Grant

9/18/2024

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Owner Mary Lindsey at her shop Everything Utah located at 311 S State Street in Downtown SLC, Photo by Salt Lake Sideways

Everything Utah - Your One Stop Gift Shop for All Things Utah

Mary Lindsey founded Everything Utah in 2017 with a clear mission: to provide locals with the opportunity to enjoy, benefit from, and support the sharing of Utah's unique identity. Her goal has always been to offer items that highlight the beauty of the state, allowing customers to feel a sense of pride in gifting meaningful and tasteful products that tell Utah's story. This story spans the rich history, the present, and the future of Utah. Through careful curation, Mary has worked to honor this objective by showcasing Utah through diverse perspectives.

The journey has been both rewarding and challenging as she gathers offerings that reflect her vision. In the process, Everything Utah has created jobs for students and seniors who prefer part-time work, contributing significantly to our local tax base. Mary is proud to offer her team a well-earned paycheck, and grateful for the opportunity to give back while pursuing her passion. Keep reading to learn more about why Everything Utah was selected for an Opportunity Boost Grant from the Utah Microloan Fund.

A Little Help Along the Way

After starting my business with $12,000 of my own resources, I reached out to the UMLF on the recommendation of a friend. The experience of applying challenged me to be confident, articulate, and organized in presenting my mission.
​After being approved for a loan I was and am supported in a priceless way. I have been supported in education provided by or introduced to me through the Utah Microloan Fund. I have enjoyed and benefitted from the Banking on Women Program, as well as various workshops that have both educated me as a business person and on a level as an advocate and supporter of many other business owners. I was introduced to the Goldman Sachs 10k Small Business program through the UMLF and completed that program as well.
COVID-19 Strikes the World
PictureMary and a customer during COVID
Everything Utah, like many businesses, was deeply affected by the COVID-19 pandemic. With the city shut down for an extended period, visitation and local foot traffic came to a near halt. Determined to keep the business running, Mary worked from morning until night to ensure minimal payroll costs. The team consisted of a part-time college student, a retired worker supplementing their income, and a ballerina.
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Throughout this challenging time, Mary made the decision not to take a paycheck for an entire year. Despite disruptions in the supply chain, she creatively introduced unique offerings that resonated well with customers. This dedication enabled Everything Utah to generate enough revenue to cover rent and pay its part-time employees—an accomplishment for which Mary is especially grateful.

How Could an Opportunity Boost Grant Help Everything Utah?

PictureGift Baskets Available from Everything Utah
Being granted these funds would be a tremendous help in allowing Mary to add much-needed signage to beautify the facade of the building as well as adding window lighting to help with visibility at night and some new fixtures. These enhancements will increase foot traffic and visibility of this must-see gift shop in downtown SLC. 

In addition, Mary is using the funds to purchase necessary inventory, her well-known gift boxes and bags, and investing in marketing including online ads and brochures. Her goal is to increase awareness of everything Everything Utah has to offer which would attract more visitors, strengthen their presence in the community, and help them grow to the next level of business. 

Made Possible by ARPA & SLC Econ Development

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Powered by funds from the American Rescue Plan Act (ARPA) and orchestrated by the Salt Lake City Department of Economic Development, the Salt Lake City Community Grant Program was created to help small businesses, artists, artisans, and nonprofits grappling with the aftershocks of the COVID-19 pandemic. The Utah Microloan Fund applied for this grant to enable us to create the Opportunity Boost Program benefitting our existing clients who needed a little boost to help them grow and stabilize. This is the first grant program of its kind for the UMLF as normally we only provide microloans to the small business community. To be able to just give money vs lend it was a big treat for our team!
​

Eligibility of Small Business Owners invited to apply for the Opportunity Boost Grant:
  • In business as of March, 23rd 2021.
  • Existing loan client of the Utah Microloan Fund. 
  • Located within Salt Lake City limits.
  • ​A business impacted by the COVID-19 pandemic. 
  • Granted funds fuel a growth plan, with tangible outcomes such as revenue and job growth.

Why Utah?

I am so grateful and proud to offer a lovely, hospitable experience in downtown Salt Lake City. The joy and pride expressed by locals when visiting Everything Utah, feeds my soul. The discovery that visitors experience at Everything Utah brings me tremendous gratitude as I am able to share products, artifacts, foods, treats, and keepsakes that acquaint our shoppers with the people and places that are here in Utah for them to discover.

Stay Connected with Everything Utah

  • Visit the store at 311 S State St, Salt Lake City, UT 84111
  • Website: https://everythingut.com
  • Facebook: www.facebook.com/everythingut
  • Instagram: ​www.instagram.com/everythingutahslc
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Logos Coffee Wins Utah Microloan Fund Opportunity Boost Grant

9/16/2024

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Logos Coffee Bar located inside Emigration Cafe at 1709 E 1300 S, Salt Lake City, UT 84108

Logos Coffee - Specialty Roaster & Coffee Shop in Salt Lake City

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Owner Nick Nelson
Logos Coffee began as a small-batch specialty coffee roasting company in 2018. Owner Nick Nelson initially sold his products at farmer's markets, where he quickly gained a loyal customer base. Building on this success, Logos expanded by launching a full-service coffee cart, which allowed Nick to serve coffee at offices around the city and eventually bring on business partner Eric Lo.

​Their continued growth and commitment to quality eventually led them to open their first retail coffee bar where they now offer a full range of coffee beverages and a welcoming space for the community. Keep reading to learn more about why Logos Coffee was selected for a Utah Microloan Fund Opportunity Boost Grant. 
Logos is Nordic-style specialty coffee, roasted in small batches. We are part of the third wave, bean-to-cup coffee movement. We pride ourselves in our unique and mindful process. Our goal is to be mindful not just in our roasting, but in our green coffee purchasing. When you open a Logos bag, we want you to see the TLC put into every bean. We want it so obvious, that if you dropped a bean on the floor, you’d pick it back up. At Logos, every bean counts.

From Modest Beginnings

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UMLF has been instrumental in our business's growth from the very beginning. Our first SBA loan from UMLF enabled us to launch our coffee cart, which was our first step into the market and allowed us to build a loyal customer base. As our business grew, UMLF supported us again with a second SBA loan, which made it possible for us to open our first retail coffee bar. These loans have not only provided the financial support we needed to expand but also the confidence to pursue our vision. Thanks to UMLF, we've been able to turn our passion for coffee into a thriving business that serves our community.

Riding the Wave of COVID-19

COVID-19 affected businesses and individuals around the world, creating widespread economic challenges. Like many others, Logos Coffee was significantly impacted. The company lost its coffee cart contracts with offices, which had been a major source of revenue. Additionally, sales at farmer's markets declined due to reduced foot traffic and event cancellations. These global and local challenges forced Logos Coffee to adapt by exploring new sales channels and adjusting its business model to remain operational during the pandemic.

Pivoting to Other Opportunities

To say Logos has grown into a powerhouse would be an understatement, as they have grown from a one-kilo roaster in Nick's backyard shed to a mobile coffee counter to selling beans and coffee online and at markets, to now their permanent coffee bar. 

Logos is not only located in a great neighborhood, they are tucked inside popular eatery Emigration Cafe, a match made in heaven! Restauranteur Scott Evans, whose Pago Group took over the space in 2022, wanted to break up the 4,000-square-foot spot into something that made more sense than just one big eatery. Evans said he lives in the neighborhood, “so I know what I hear from my neighbors, which is that a coffee shop that’s walkable would be great" and so the collaboration with Nick and Eric was born. Now diners can get a great coffee during their meals at Emigration but people can also enjoy the stand-alone coffee bar. Brunch here is a must! 

How Could an Opportunity Boost Grant Help Logos?

PictureRoasting Coffee
These funds will enable Logos Coffee to purchase additional green coffee, which is crucial for meeting the growing demand for their products. With a larger inventory of raw materials, the business can scale up production, offer a wider variety of coffee options, and ensure a consistent supply for customers. This will support Logos Coffee's growth by allowing it to serve more clients, enter new markets, and further solidify its brand as a provider of high-quality coffee.

Nick is passionate about sourcing coffee from some of the world’s most renowned coffee-growing regions, including Ethiopia, Nicaragua, Peru, Colombia, and Guatemala. Each are known for producing unique and distinctive coffee profiles, ensuring that the coffee Logos produces reflects a diversity of flavors and origins, offering customers a wide range of high-quality brews. Sourcing from these regions also supports sustainable farming practices and helps uplift local communities.

Made Possible by ARPA & SLC Econ Development

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Powered by funds from the American Rescue Plan Act (ARPA) and orchestrated by the Salt Lake City Department of Economic Development, the Salt Lake City Community Grant Program was created to help small businesses, artists, artisans, and nonprofits grappling with the aftershocks of the COVID-19 pandemic. The Utah Microloan Fund applied for this grant to enable us to create the Opportunity Boost Program benefitting our existing clients who needed a little boost to help them grow and stabilize. This is the first grant program of its kind for the UMLF as normally we only provide microloans to the small business community. To be able to just give money vs lend it was a big treat for our team!

Eligibility of Small Business Owners invited to apply for the Opportunity Boost Grant:
  • In business as of March, 23rd 2021.
  • Existing loan client of the Utah Microloan Fund. 
  • Located within Salt Lake City limits.
  • ​A business impacted by the COVID-19 pandemic. 
  • Granted funds fuel a growth plan, with tangible outcomes such as revenue and job growth.


Why Own a Business in Salt Lake City?

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We love owning a business in Salt Lake City because it’s our hometown, and we've seen firsthand how the city has grown and evolved over the years. The stunning natural beauty and outdoor opportunities draw people here, but what really makes SLC special is its vibrant, supportive community. We're proud to contribute to the local ecosystem by offering high-quality coffee, creating a space where people can connect, and bringing a level of service and quality that you might only expect in larger cities. Being part of SLC's growth and sharing our passion with our neighbors is incredibly rewarding.

What's Next for Logos?

Logos Coffee plans to open a second location, expand its white-label operations, and introduce more health and wellness options.​

Stay Connected with Logos Coffee

  • Website: https://logos.coffee/
  • Instagram: www.instagram.com/logoscoffeeco
  • Facebook: www.facebook.com/logoscoffeeco
  • Contact: https://logos.coffee/pages/contact-1​
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Elm Studios Wins Opportunity Boost Grant from Utah Microloan Fund

9/11/2024

1 Comment

 
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Elm Studios - Award Winning Production Company in the heart of SLC

PictureOwner Evan Moore
Elm Studios started in 2015 as a multimedia studio specializing in audio and video production.  Over the years, owner Evan Moore and his team started to narrow their focus more on the video side of their business, but still offer other media services including photography and digital marketing. Elm Studios has always prided itself on its ties to Salt Lake City and its community and enjoys collaborating with other production companies in order to create the highest quality productions possible.
They have grown from a grassroots company working with local brands and businesses to now also working with major brands and businesses, including Fortune 500 companies. But the team behind Elm still loves to work with small businesses in the community too and can work with a wide range of budgets and size of projects.

Growing with the Utah Microloan Fund

UMLF gave us a loan back in 2015 when nobody else would. We were just creatives with a vision and a dream, but not a lot of backing or history to back us. The loan helped us open a studio, invest in equipment, and jumpstart our business in a major way. We’re not just building a business; we’re building a legacy. With their continued support, we’re excited to keep growing and expanding with our new ventures.

Lights, Camera, Crisis

As we are all painfully familiar, when COVID-19 struck, the world shut down and threw our lives as we knew them into disarray. Some of the hardest-hit industries included events and entertainment, and Elm Studios was no exception. 
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Overnight, I had multiple jobs canceled, and I was unable to work or book projects for the first 3 months of COVID-19 resulting in tens of thousands of dollars in lost revenue.  Film is an industry that requires collaboration and often has dozens of people working together in close proximity so my industry in particular was heavily affected.  After things got better, I had to spend money on ongoing COVID tests for myself and contracted employees to ensure safety while on set.

How Could an Opportunity Boost Grant Help Elm Studios?

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Evan was awarded an Opportunity Boost Grant from the Utah Microloan Fund, allowing him to utilize the funds to upgrade and replace old, outdated equipment for future business opportunities including gear rentals to other creatives. This will offer clients greater value and convenience plus Evan has plans to start the Homies Lighting & Grip, a collective of Gaffers and Grips where he plans to offer commission on rentals to the grip and lighting team. In Evan's opinion, Grips & Gaffers are arguably some of the hardest workers on set, especially in the physical sense.. they are the ones lifting the heavy stands, lights, and pushing heavy carts.  They do make decent rates, but his goal is to help them make a little bit more by giving them a percentage of the rental fee for any gig they work on.  

Elm Studios' future 5-10 year plans include opening a new studio, starting their own film festival and giving their own grants to upcoming filmmakers. 

Made Possible by ARPA & SLC Econ Development

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Powered by funds from the American Rescue Plan Act (ARPA) and orchestrated by the Salt Lake City Department of Economic Development, the Salt Lake City Community Grant Program was created to help small businesses, artists, artisans, and nonprofits grappling with the aftershocks of the COVID-19 pandemic. The Utah Microloan Fund applied for this grant to enable us to create the Opportunity Boost Program benefitting our existing clients who needed a little boost to help them grow and stabilize. This is the first grant program of its kind for the UMLF as normally we only provide microloans to the small business community. To be able to just give money vs lend it was a big treat for our team!

Eligibility of Small Owners invited to apply for the Opportunity Boost Grant:
  • In business as of March, 23rd 2021.
  • Existing loan client of the Utah Microloan Fund. 
  • Located within Salt Lake City limits.
  • ​A business impacted by the COVID-19 pandemic. 
  • Granted funds fuel a growth plan, with tangible outcomes such as revenue and job growth.

Why Salt Lake City?

People always ask me why I don't move to Los Angeles, New York or Atlanta, since those cities have become meccas for the film community. But I just love Salt Lake City too much. The outdoor access speaks to me on a personal level and is also where a good amount of our work is centered around. Telling stories of extreme sports athletes' triumphs and struggles. I am also actively involved in the art community and enjoy having seen our city grow over the two decades that I have called Salt Lake City home. Looking forward, I get excited to think about the Olympics returning to Salt Lake City and the other opportunities that are on the horizon for our city.​
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Stay Connected with Elm Studios

  • Website: https://whoshootsyourfilms.com
  • Instagram: www.instagram.com/elmstudiosslc
  • Facebook: www.facebook.com/elmstudiosslc
  • Email: [email protected]
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2024 Rural Utah Chamber Coalition Conference

7/24/2024

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It's that time of year again, the Rural Utah Chamber Coalition Conference! (Warning don't try and say that five times fast!) This year the annual RUCC conference was hosted in picturesque Bear Lake at the Sunrise Resort and Event Center and was attended by chambers, resource partners, government entities, and learning institutions from across every corner of the state. 

​The beautiful setting was perfect for networking, building relationships, and brainstorming new ways to boost local economies and improve life in rural Utah. We enjoyed workshops, inspiring talks, and hands-on sessions that sparked fresh ideas and energized efforts to support our communities. Not to mention some super fun group activities for the cherry on top! We Utahns are best known for collaboration and working together to better our communities and this conference truly exemplified those goals. 

A Voice for Rural Utah

So what is RUCC? ​The Rural Utah Chamber Coalition is a collaborative partnership that brings together chamber executives, board members, elected leaders, and government liaisons.
Their mission is to address and advocate for the unique challenges facing rural chambers and communities. By offering strategic programming, the coalition aims to drive significant economic development, foster rural innovation, and enhance prosperity for the residents of rural Utah.
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RUCC Board

How They Do It:

  • Hold monthly meetings that provide government updates, information about available grants, and training for chamber executives.
  • Partner with elected leaders to ensure collective, rural voices are heard.
  • Provide valuable resources and expertise to make sure your chamber is a success.
  • Hold an annual conference for entities to come together and learn and collaborate.

Important Takeaways for Rural Development

The conference covered a wide range of topics essential for driving economic development in Utah's rural areas. Attendees learned about the pivotal role of chambers in rural economic development and the significance of building strong relationship capital. They explored future-ready initiatives that highlighted workforce and educational opportunities, exemplified by sessions like FutureReady Utah.
(Please note that all of the nicer non-iPhone photos are thanks to Jeff Raisor of the Richfield Chamber. Thanks Jeff!)
Best practices for recruiting, training, and retaining volunteers were also shared, emphasizing the importance of a strong volunteer base in community efforts. Techniques for engaging community partners to revitalize downtown areas were discussed, alongside methods for building good relationships with elected officials. Attendees also delved into strategies for developing non-dues revenue and securing financial support from municipalities and counties. Insights on creating dynamic programming and unlocking success through strategic sponsorships were provided, along with guidance on developing a thriving visitor economy to leverage tourism for economic benefits.

So in a nutshell??? You can't ask for a better gathering of experts and information!

Statewide Attendance from Key Organizations

This conference wouldn't be what it is without the participation of key stakeholders in Utah's rural areas.
This list includes various chambers of commerce, city councils, government offices, educational institutions, and other organizations dedicated to supporting rural economic development and community prosperity.
  • ashTEC
  • Box Elder Chamber
  • Cache County Chamber
  • Community Outreach and Intergovernmental Relations for Gov Spencer J Cox
  • Eagle Mountain Chamber
  • Governor's Office of Economic Development
  • Kanab Chamber​​​
  • Nephi Chamber
  • Parowon Chamber
  • R6 Regional Council (6 County Economic Development)
  • Richfield Chamber
  • Sanpete County Chamber
  • Saratoga Springs City Council
  • Utah Association of Chambers
  • Utah Inland port
  • Utah Office of Tourism
  • Utah Rising
  • Utah Small Business Credit Initiative (USBCI)
  • While You're In Town
  • ​Representatives from the offices of Mike Lee, John Curtis, Celeste Maloy, Burgess Owens, Blake Moore, and Mitt Romney. 
  • Bear Lake Valley Chamber​
  • Bear River City
  • Beaver, Iron, Garfield (BIG) Chamber
  • Cedar City Chamber
  • Carbon County Chamber
  • Garden City Mayor 
  • Hildale City
  • ​Juab County Economic Development​
  • Latigic​
  • Moab Chamber
  • Rockwood Communications Counsel
  • San Juan County Chamber
  • Spanish Fork/Salem Area Chamber
  • ​Southern Utah University (Workforce & Educational Opportunity)
  • State of Utah Housing
  • Tooele Chamber
  • Utah Division of Wildlife Resources
  • Utah League of Cities and Towns
  • Utah State University Extension & Rural Online Initiative
  • UZONA Chamber
  • Vernal Chamber
  • Women's Business Center of Utah

Work Hard, Play Hard

The RUCC team didn't stop there, they also put together a roster of fun activities for attendees to bond and get to know each other even more. Evening socials, activities like pontoon boat rides, UTV tours, karaoke, and more. 
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Epic Recreation took half of us on a zippy pontoon boat ride across Bear lake and the other half went on a UTV ride through the back country of the Bear Lake mountains. We saw sheep, deer, and the splendor of how beautiful this area truly is! It was a fun way to bond and get to know each other outside of work!

Helping Utahns Together

PictureRuca's Owner Dalena Kelley
We at the Utah Microloan Fund are incredibly honored to be a partner of RUCC and to have the opportunity to mix and mingle with leaders from across Utah. Although based in Salt Lake City, we are committed to embodying the spirit and values of a true statewide organization. Our programs and services, including microloans, business training, and financial literacy workshops, are designed to support entrepreneurs and small businesses throughout Utah, ensuring that every community has the resources they need to thrive. 

It was a special treat to realize that one of our clients, Ruca's, was the main caterer for the conference. Best known for their fresh sandwiches, 
Aebleskivers (Danish Pancake Balls), shakes, and more, Ruca's has become a staple of the Bear Lake food scene. Owning a business in a seasonal tourist town can be difficult, especially for a new business owner. Dalena shared that she got her loan with the UMLF to get her through her first Winter, but now six years later is a mainstay business! If you're visiting town, be sure to visit Ruca's at 284 S Bear Lake Blvd next time you are in town or give Dalena a call for catering!

Thank You to the RUCC Team

Hats off to the RUCC board for putting together such a wonderful conference filled with thought-provoking topics, expert speakers, amazing food, good fun, and networking. ​
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  • Tricia Harris, RUCC Chair
  • Colette Cox, RUCC Vice-Chair & GOEO Rural Outreach Manager
  • Abby Ivory, RUCC Secretary & Economic Development Coordinator of R6
  • Monica Holdaway, Advocacy Chair & Box Elder Chamber President
  • Chris McCormick, RUCC Former Chair & Cedar City Chamber President
  • Joel Brown, RUCC Founder

For Your Next Stay in Bear Lake

Sunrise Resort and Event Center is the perfect place to host your next company retreat, wedding, family reunion, or even a solo vacation. 
Our group often remarked that this conference was like summer camp for adults and made the conference extra special. Thanks to owner Mark Smoot for hosting RUCC!
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Stay in Touch with the Rural Utah Chamber Coalition

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To stay in touch with RUCC or to become a member please visit:
  • Email: [email protected]
  • Website: www.ruralutahcc.org
  • Facebook: RUCC FB Page

​
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HK Brewing Wins Grant from Utah Microloan Fund

7/2/2024

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Owners Kate Lubing & Hannah Hendrickson

HK Brewing Wins Utah Microloan Fund's Opportunity Boost Grant

If you haven't heard the 411, HK Brewing is a force to be reckoned with. Founded and led by two empowered women, their journey into the world of better-for-you beverages began with a shared vision - to create exceptional drinks that not only capture the essence of craftsmanship and creativity but also prioritize health and well-being. One sip of their kombucha, available both with alcohol and without, can tell you that they knocked this out of the park! Keep reading to learn why HK was chosen for an Opportunity Boost Grant. 
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One of many delicious flavors.

Fermenting a Great Business Idea

​​HK Brewing Collective originated in Salt Lake City, UT, where founder Hannah Hendrickson (Han) began brewing in her dorm closet. Joined by industry expert Kate Lubing in 2019, they transformed Han’s dorm project into HK Brewing Collective, expanding the brand to over 150 retailers across 37 states by focusing on great taste, health benefits, and quality brews.
​

Han's Kombucha, their flagship product, is a better-for-you booch challenging preconceived notions of what kombucha is and should taste like. They implement gentle fermentation techniques, low sugar content, and wildly unique flavor profiles, resulting in the most crushable brews that facilitate Darn Good times and tastes - one can at a time.

Salt Lake City's Prettiest Taproom & Bar

Complementing their brewing expertise is the HK Brewing Collective Taproom & Bar, a vibrant space that goes beyond serving beverages, becoming a community hub. Kate and Hannah originally came to the Utah Microloan Fund in the Spring of 2021 for additional funds to help open the taproom and brewing space now known for delectable drinks, beautiful decor, community-centric events, and just all of the vibes possible.
Their goal with the space was to offer a refreshing and health-conscious alternative while fostering a sense of connection among their patrons. From kombucha tastings to live music to drag shows to nonprofit trivia, it creates an immersive experience for all to enjoy.
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HK Brewing is located at 370 Aspen Ave, Salt Lake City, UT 84101
Combined with their loan from Salt Lake City Economic Development, Hannah and Kate were off to the races to build out their dream space located in the Central Ninth/Granary District neighborhood. This move allowed them to have their very own production facility, warehouse, and event space all in one, a huge plus for the growing brand.
The Utah Microloan Fund has been instrumental in the growth of our business. We would not be where we are today without the support from UMLF. We were able to move from a warehouse in the back of another local business to our very own 5200 s​f production facility/warehouse space. We were able to build the foundation we needed to grow our business sustainably & responsibly.

COVID-19 Had Trouble Brewing for HK

While the team was building out their new dream space, COVID was still disrupting the world as we know it. Not only were they unable to purchase key components for production, but even packaging was a chaotic industry at the time. They continually pivoted their business model to stay up to date with global regulations while attempting to keep their business afloat and ride it out as best they could. They turned their homes into makeshift packaging agencies, converting garages and sheds into small fulfillment stations. Not only that, but they had to buy box fridges to store their product and use whiteboards and tables to create systems for both local delivery and pick-up from their homes/storefronts.
Covid hit us hard from many angles. Including but not limited to the following: Many of our retailers/stockists were forced to close which abruptly stopped consistent orders for our product and therefore a major and sudden drop in sales. We also shared major supplier issues with the rest of the world. 
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Making the best of uncertain times.
Despite all of this, the team pushed forward, stayed agile, kept their eye on the prize, and weathered the storm that has so widely ravaged our modern world. Coming out the other side, HK officially opened the doors of their taproom to the public in early 2023. 

How Could an Opportunity Boost Grant Change Their Lives?

PictureBehind the scenes
HK Brewing was invited to apply for an Opportunity Boost Grant in the Spring of 2024 and was told to think of how they could use funds to boost their business post-COVID.  Delighted they instantly knew what they needed, a keg-washer machine. They loved that many businesses were choosing to be sustainable and purchasing in bulk via draft kegs, but as their business grew, they could not keep up with the washing of the kegs themselves. They were driving their kegs every week to a neighboring brewery that allowed them to use their keg washer however, this was not a sustainable solution for the growth of their business. 

Implementing a keg washer will help HK significantly improve production by increasing efficiency, ensuring consistent quality, saving labor, supporting scalability, and reducing resource usage and downtime. A win-win all around!​​

Made Possible by AARPA & SLC Econ Development

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Powered by funds from the American Rescue Plan Act (ARPA) and orchestrated by the Salt Lake City Department of Economic Development, the Salt Lake City Community Grant Program was created to help small businesses, artists, artisans, and nonprofits grappling with the aftershocks of the COVID-19 pandemic. The Utah Microloan Fund applied for this grant program which enabled us to create the Opportunity Boost Program to benefit our existing clients who needed a little boost to help them grow and stabilize post-pandemic. This is the first grant program of its kind for the UMLF as our normal business is providing microloans to the small business community. To be able to just give money vs lend it was a big treat for our team!

Eligibility of Small Owners invited to apply for the Opportunity Boost Grant:
  • In business as of March, 23rd 2021.
  • Existing loan client of the Utah Microloan Fund. 
  • Located within Salt Lake City limits.
  • ​A business impacted by the COVID-19 pandemic. 
  • Granted funds fuel a growth plan, with tangible outcomes such as revenue and job growth.


Stay Connected with HK Brewing

Be sure to follow HK Brewing on all of their platforms so you can stay up to date on all of the events, happenings, and new flavors throughout the year! Cheers!

Website:  https://hkbrewing.com
Facebook: www.facebook.com/hkbrewingco 
Instagram: www.instagram.com/hkbrewingco
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Meet the Graduates of Banking on Women Spring 2024!

6/13/2024

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An Entrepreneurship Program Just For Women

We're here to say a big congratulations to our Spring 2024 cohorts of Banking on Women!

​Sponsored by Synchrony Bank, Banking on Women is an entrepreneurship program designed for women in Utah who are looking to start or grow their own business. ​The curriculum covers all aspects of running a small business including business planning, market research, marketing, financial management, growth, and leadership. Our favorite part? While going through this program our participants often find that they make lifelong connections and friendships with the other ladies in the class. Win win right?


The program is hosted and taught by the amazing staff at Westminster College including Program Lead Deborah Marzano. Without the team at Westminster and their ongoing expertise, this program could not thrive. 

A Triumphant Achievement

So what does the program involve? Each class is packed full of learning, discussion, and working ON their business rather than in it. These ladies committed 15 weeks of their lives to this program which entailed weekly three-hour night classes + homework all while juggling running their businesses, families, and beyond. Banking on Women wraps up with pitch night where each business owner presents their business to a panel of Westminster, Utah Microloan Fund and Synchrony staff and to each other. They made us proud!
In-Person Cohort Pitch Night
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Rural Virtual Cohort Pitch Night & Graduation

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Kafoatu Tonga, Self Maid Cleaning Services
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Angie Bizon, Space Creations
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Shawna Weaver, Weaver & Co
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Danielle Bradford, Yovimpah Spa and Salon

It takes a lot of chutzpah to commit to working on your business and taking it to the next level so these ladies deserve a huge round of applause! ​

Spring 24' In-Person Cohort Graduates

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Dawn Bullock, Utah Braid Shop
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Anya Hart, Hart Lash
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Ahimara Suarez, Delicius
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Jodi Thacker, Riverbend Financial Wellness
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Melanie Call, Bonita Paper Co
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Olivia Sessi, Kenté Cafe
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Falynn Parkin, Sensory Waves
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Bonnie Abele, Red Tent Collective
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Miriam Solen, Weaving Wellness
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Heather Small, Smart Steps Reading

Banking on Women is held twice a year in the Spring and Fall both virtually and in-person. To learn more about the program and to apply: 
www.utahmicroloanfund.org/bankingonwomen

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Local Music Festival Crucialfest Wins Grant from Utah Microloan Fund

5/22/2024

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Photo by Photo: Jessica Bundy of SLUG Magazine

Thirteen Years of Music in Salt Lake City

Jarom Bischoff has been deeply immersed in music for most of his life. In his 20s, he toured extensively across the United States with his band, Loom. Later, he settled in Salt Lake City to complete his degree at the University of Utah, to start a family with his wife and co-creator Tiffany leading to a life shift from touring to creating Crucialfest. CF is a mid-size heavy music festival now celebrating its 13th year running. His exceptional talent for curating artists and love of the Utah music scene are key elements that make up the magic that is Crucialfest. 
Photo Credit: Crucialfest
Photo Credit: Crucialfest
Crucialfest started in 2011. In the few years prior I had seen a lot of really great independent music festivals around the US and thought, why isn't there something like that in Salt Lake City or Utah?

​The festival has been through many iterations through the years but our main purpose is and has always been to cultivate the local music community and foster regional relationships.

Finding the Right Formula

Over the years, Jarom's perspective on curating the event has evolved since the early days. Experimenting with small vs large scale events, 21+ vs all ages, and trying out different beloved venues, all led to finding the secret sauce in pulling off a successful fest. Crucialfest Year 13 now showcases an all-ages fest that unites Salt Lake's heavy music roots with the future of the scene and is "bringing back some of the most influential acts you never got to see or thought you might never see again." 

There is still a chance to grab tickets for the event held this Saturday, May 25th at all-ages venue Soundwell in downtown Salt Lake City, doors open at 3:00pm. 


When attending the fest you can also purchase merch. Jarom curates prints and apparel from local and regional artists themed around Utah counter-culture imagery. He works with local artists, bands, nonprofits, and partners to create unique merch that supports everyone involved including shirts, hoodies, hats, shorts, and more, along with show posters and merch from the past. 
I love being a part of the very unique culture here. Artists and musicians in SLC really need a leg up and I feel good about being able to give that to them.
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Live Events Take a (Stage) Dive During COVID-19 Pandemic

The event industry was hit hard when the pandemic struck in March 2020. In 2020 and 2021, the industry was decimated as lockdowns and restrictions forced the cancellation of concerts, sports events, conferences, and other live gatherings. 

COVID rocked Crucialfest hard (slight pun intended), completely stopping the main festival and any sub-events from happening for a year and a half, and when it did start back up it had to do so in a limited capacity.
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​It was hard initially to get the momentum back but there has been positive growth with people wanting to make up for lost time during the COVID years.
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Pivoting to hosting events in a recent post-pandemic world
Studies have shown that there was a strong pent-up desire from attendees to reconnect and have experiences, resulting in record-breaking attendance numbers for many events and conferences. 

Crucialfest Wins Opportunity Boost Grant from Utah Microloan Fund

Powered by funds from the American Rescue Plan Act (ARPA) and orchestrated by the Salt Lake City Department of Economic Development, the Salt Lake City Community Grant Program was created to help small businesses, artists, artisans, and nonprofits grappling with the aftershocks of the COVID-19 pandemic. The Utah Microloan Fund applied for this grant program which enabled us to create the Opportunity Boost Program to benefit our existing clients who needed a little boost to help them grow and stabilize post-pandemic. This is the first grant program of its kind for the UMLF as our normal business is providing microloans to the small business community. To be able to just give money vs lend it was a big treat for our team!

Eligibility of Small Owners invited to apply for the Opportunity Boost Grant:
  • In business as of March, 23rd 2021.
  • Existing loan client of the Utah Microloan Fund. 
  • Located within Salt Lake City limits.
  • ​A business impacted by the COVID-19 pandemic. 
  • Granted funds fuel a growth plan, with tangible outcomes such as revenue and job growth.​

Jarom was selected for this grant because of his longevity as a client throughout the years, his commitment to creating art and music for our local communities, and so he can invest in making it a viable and long-lasting event for all to enjoy.  

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​Winning this grant from the UMLF will enable us to invest in marketing, advertising, and publicity, aspects that are usually at the bottom of the priority list budget-wise but are vital to our ability to grow.
The UMLF has also enabled Crucialfest to stay afloat over the past few years, taking some pretty serious losses and braving covid, to the point that we are now a profitable, sustainable business.

Attend, Follow, and Stay In Touch with Crucialfest

Bischoff’s best advice for the festival is to “have fun, enjoy yourself, be festive,” he says. “Come with an attitude of respect. Respect artists, respect staff—tip your bartenders. Anytime you come with an attitude of respect, it elevates the event.” 

Be sure to follow Crucialfest on all platforms so you can stay up to date on all of the events, happenings, and music throughout the year! Cheers. 

Website: www.crucialfest.com
Facebook: www.facebook.com/crucialfest
Instagram: www.instagram.com/crucialfest

Follow Crucialfest on Spotify:

https://open.spotify.com/user/1242483974/playlists​
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Hello!Bulk Wins Utah Microloan Fund Grant

5/14/2024

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Creating a Zero-Waste Grocery Store in Salt Lake City

Owner Jamaica Trinnaman opened Hello!Bulk Markets in 2018 after over a decade in the grocery business and seeing far too much waste. The idea of buying what you needed, like you could in a bulk department, fascinated her and made her want to have access to a store where you could buy all sorts of items that way...not just grocery. She then saw stores like these popping up in the UK and Canada and knew she wanted to bring the concept to Utah. From there, Hello!Bulk Market was born.
When I opened my doors, people came out of the woodwork, and bit by bit my concept took off. Awards and media attention followed, but we saw that our customers needed time to adjust to this new way of shopping so profitability proved harder to come by. Regardless, year by year we made huge strides and things looked bright. I never could have guessed what the journey would look like.

Sustainable, Local, & Community-Focused

When choosing products to stock in her store, Jamaica wants to have a good selection but has high standards around her sourcing. Some of the questions she and her team consider when selecting products are:
  • Are we offering environmental savings?
  • Are we offering this product in packaging that is reducing additional packaging waste and helping the planet?
  • What local products can we bring in?
 One aspect Jamaica loves is bringing in local products because with local suppliers, you often create a circular system where items are returned, rewashed, and reused, which is the ultimate goal. 

Some of the food products offered include coffee and tea, rice and grains, spices, condiments, cooking oils, beans, seeds and legumes, fresh nut butters, drinks, candy, eggs, yogurt, salsas, and so much more.
Non-food items include hairy and body care items, laundry products, deodorant, and soap. Also offered are the bags, bottles, and jars that you can use to go zero-waste when picking up your necessities. 

Navigating COVID-19 and Uncertain Times

PictureJamaica & team during COVID
When the pandemic hit grocery was considered an essential business so Hello!Bulk was able to stay open, but only under certain guidelines. Jamaica and her team had to change the entire process of their refill store due to a "self-service" ban. This meant having almost twice the staff on-site to accommodate customer orders, which they handled by wiping down their containers with sanitizer, labeling, and filling and by eliminating self-checkout.
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Sadly, those years were compounded by a road construction project that began just as Hello!Bulk started to show profitability and as their model was returning to their pre-COVID routines, a setback to Jamaica that felt like a kick to the gut!

A start-up is always an adventure, but I look back now to see that the majority of my years in business have been Covid years, and that is a very different kind of adventure. We had problem-solved left and right to get through it and taken on debt to do so. Now we faced a loss of revenue due to what felt like a never-ending project. Climbing out of the hole of the past 4 years is going to take time and support.

Hello!Bulk Wins Opportunity Boost Grant from Utah Microloan Fund

Powered by funds from the American Rescue Plan Act (ARPA) and orchestrated by the Salt Lake City Department of Economic Development, the Salt Lake City Community Grant Program was created to help small businesses, artists, artisans, and nonprofits grappling with the aftershocks of the COVID-19 pandemic. The Utah Microloan Fund applied for this grant program to enabled us to create the Opportunity Boost Program to benefit our existing clients who needed a little boost to help them grow and stabilize. This is the first grant program of it's kind for the UMLF as normally we only provide microloans to the small business community. To be able to just give money vs lend it was a big treat for our team!

Eligibility of Small Owners invited to apply for the Opportunity Boost Grant:
  • In business as of March, 23rd 2021.
  • Existing loan client of the Utah Microloan Fund. 
  • Located within Salt Lake City limits.
  • ​A business impacted by the COVID-19 pandemic. 
  • Granted funds fuel a growth plan, with tangible outcomes such as revenue and job growth. 

Jamaica fit the criteria but also exemplified the tenacity, cleverness, and fortitude to survive so many setbacks during her first years of business. When many may have thrown in the towel and given up, Jamaica kept at it and her dedication has proven she can weather any storm. She is also a huge participant in our small business community through her job at the International Rescue Committee
(IRC) but also her involvement in local events. 

The Future of Hello!Bulk

With the $10,000 in funds from UMLF's Opportunity Boost Grant, Jamaica is ready to take on the future. The grant has assisted her in recovering from the financial distress of the pandemic by funding marketing efforts to help spread the good word of sustainability-focused shopping and to bolster her inventory to improve with products being out of stock. With the help of this grant Jamaica hopes to offer a customer experience similar to pre-Covid days and grow the business in the ways she and her team initially imagined.
Grateful For Help Along the Way
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Regardless of the setbacks of being a small business in SLC right now, I completely value the support of the city programs (especially the staff). There are so many people out there doing the best they can with what they have. People fighting to save these small businesses that have made it through Covid and deserve to be a part of a brighter future. And I don't think a day goes by that a customer, in the market, doesn't tell me how grateful they are to have Hello!Bulk. It's hard to think of closing when we feel so much love around us. 
The Utah Microloan has also helped me by altering the terms of the loan when I could not make the payments. When I have come to UMLF for help it has never felt like anything but a supportive environment. Good people trying their best to help.

Planning Your Visit to the Market

​The idea of a zero-waste grocery store is to do away with wasteful packaging that cannot be reused or recycled. Jamaica's advice?
1) Start small: Don’t overwhelm yourself trying to go “zero waste” overnight. Pick one or two items you can commit to refilling.
2) Just check it out. Most people don’t even bring their containers the first time! There are paper bags for free and you can always just grab a few gummy bears.

To learn more about the process check out Hello!Bulk's How It Works page. 

Shop at Hello!Bulk Market

PictureLaundry items, bags and more.
Hours of Operation:
  • Monday: Closed
  • Tuesday: 11AM - 7PM
  • Wednesday: 11AM - 7PM
  • Thursday: 11AM - 7PM
  • Friday:  11AM - 7PM
  • Saturday: 11AM - 7PM
  • Sunday: 11AM - 7PM

Address: 1185 S 300 W, Salt Lake City, UT 84101
​Web:  www.hellobulkmarkets.com
FB:  www.facebook.com/hellobulkmarkets
Insta: www.instagram.com/hellobulkmarkets​

Hello!Bulk also has a smaller version of the market in a shared market space, located at approximately 2100 S and 2100 E in the Neighborhood Hive.

You can also shop online at https://hellobulk.myshopify.com/ where local customers can arrange for delivery or pickup. Online you can pre-order items and have them ready for pickup, packaged in paper bags and glass containers that are returnable for a deposit.

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UMLF Opportunity Boost Grant Recipient: Kahve Cafe

4/1/2024

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Nestled in the heart of Salt Lake City, within the walls of a charming old Victorian home, lies Kahve Cafe—a haven of Turkish hospitality and culinary delights. But behind this cozy cafe's success lies a tale of resilience, adaptation, and unwavering community support, all embodied by its owner, Elif Ekin.

Resilience Amidst Challenges

The genesis of Kahve Cafe can be traced back to Elif's baklava business, which faced challenges during the pandemic as wholesale accounts dried up as restaurants and shops experienced frequent shutdowns.

​Faced with this setback, Elif seized the opportunity to pivot and ventured into the cafe scene, bringing to life a menu that features Turkish coffee, tea, sweets, and savory treats from her home country of Turkey.

​The onset of COVID-19 brought both trials and triumphs for Kahve Cafe. Through programs like PPP and EIDL, Elif, a single mother, accessed crucial financial support that paved the way for stability and growth opportunities. These funds not only provided a lifeline during uncertain times but also empowered Elif to dream bigger and expand her business endeavors.
Picture of Interior of Kahve Cafe and a selection of Elif's delectable desserts
Interior of Kahve Cafe and a selection of Elif's delectable desserts

Kahve Cafe receives UMLF Opportunity Grant

Picture of Traditional Turkish coffee
Traditional Turkish coffee
Kahve Cafe reached a significant milestone when she became the recipient of an Opportunity Boost Grant from the Utah Microloan Fund. This grant, made possible by Salt Lake City's Community Grant Program through AARPA, represents a crucial step forward for Kahve Cafe amidst the challenges posed by the pandemic. Learn more about the program here: https: www.utahmicroloanfund.org/blogs/slccommunitygrant

This funding will fuel Kahve Cafe's growth trajectory. Elif envisions enhancing the cafe's offerings, investing in new equipment, expanding the grab-and-go line, and bolstering marketing efforts to reach new markets. This strategic investment aims to elevate the cafe's presence and cater to a broader audience.

Economic Resilience in Salt Lake City

Despite the challenges, owning a business in Salt Lake City has been a rewarding experience for Elif and the Kahve Cafe team. The strong sense of community, where patrons feel like extended family, coupled with robust support from local business centers and chambers, especially for women entrepreneurs, fosters an environment conducive to success.

Reflecting on the journey, Elif acknowledges the pivotal role of organizations like the Utah Microloan Fund (UMLF). Participating in programs like Banking on Women and attending classes, Elif counts the UMLF as an invaluable partner, providing guidance and resources as Kahve Cafe has navigated various stages of growth.

As Kahve Cafe continues to flourish, it stands as a testament to Elif Ekin's determination, community collaboration, and entrepreneurial spirit that transforms challenges into opportunities.​ ​The grant not only acknowledges Elif's dedication and resilience but also underscores the community's commitment to nurturing and sustaining local businesses like Kahve Cafe during these uncertain times. Congrats Elif!

Visit Kahve Cafe in Downtown Salt Lake City

Hours of Operation:
  • Monday: Closed
  • Tuesday: 8 AM–5 PM
  • Wednesday: 8 AM–5 PM
  • Thursday: 8 AM–5 PM
  • Friday:  8 AM–5 PM
  • Saturday: 8 AM–5 PM
  • Sunday: 10 AM–3 PM

Address: 57 S 600 E, Salt Lake City, UT 84102
​Web: www.kahvecafeslc.com
FB: www.facebook.com/kahvecafe
Insta: www.instagram.com/kahvecafeslc

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Utah Microloan Fund Receives Community Grant from Salt Lake City Economic Development

3/19/2024

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Salt Lake City's Community Grant Program has emerged as a beacon of hope for small businesses, artists, artisans, and nonprofits grappling with the aftershocks of the COVID-19 pandemic. Powered by funds from the American Rescue Plan Act (ARPA) and orchestrated by the Salt Lake City Department of Economic Development, this program has been instrumental in revitalizing the economic landscape.

Among its beneficiaries is the Utah Microloan Fund, a 501c3 nonprofit and CDFI, which leveraged its grant to spearhead a transformative initiative. By channeling the majority of the grant towards a dedicated grant program for small business owners within Salt Lake City's boundaries, coupled with personalized business advising and financial evaluations, the UMLF will sow the seeds of resilience and growth through their newly created Opportunity Boost Grant.

Helping Salt Lake City Small Businesses Bounce Back

Picture of Todd Anderson, Salt Lake City Economic DevelopmentTodd Anderson, Salt Lake City Economic Development
"The COVID-19 pandemic and related shutdowns were difficult for small businesses and artists, especially those from historically marginalized communities. Small businesses and artists are a fundamental piece of our community and economy, and the City is excited to support their growth and resilience.

​Many nonprofit agencies like the Utah Microloan Fund in Salt Lake City routinely work with small businesses and artists and know how to best support them. By awarding these agencies with grant funding for COVID-19 recovery programs, the City was able to support small business and artist communities that otherwise might have been difficult to reach.”

Utah Microloan Fund, a resource for small business owners for 33 years

Since 1991, the Utah Microloan Fund has made the dreams of entrepreneurs a reality.  Serving as an esteemed SBA microlender, the UMLF has played a pivotal role in fostering entrepreneurship across Utah.  Their mission is two-fold, to offer microloan funding to small business owners who have been overlooked or turned down by traditional funding and to deliver free business education throughout Utah's 29 counties. With a focus on empowering underserved communities, Utahns can count on the UMLF as a friend in business.
In addition to microlending, the Utah Microloan Fund is proud to offer bi-monthly live virtual classes, a digital class library, and Banking on Women, an entrepreneurship program for women business owners to start or grow their own business. These educational offerings are designed to cover all aspects necessary to be a successful entrepreneur including business planning, financials, market research, HR, marketing, etc while also providing networking and collaboration opportunities with other attendees.
In partnership with Westminster University and Synchrony Bank, applications are now open until May 12th for Fall cohorts of Banking on Women, offered both in person as well as virtually for rural counties. 

Partnering with Salt Lake City Economic Development

Picture of Executive Director of Utah Microloan Fund Doug Keefe
UMLF Executive Director Doug Keefe
"The Salt Lake City Economic Development Department Grant Program allows UMLF to compliment its lending and technical assistance offerings with a powerful and impactful tool to help propel its clients to success.  We’ve begun awarding these grants, with an extremely positive response.  We appreciate the opportunity to partner with Salt Lake City to serve the small business community."

Opportunity Boost Grant Creation

Using the funds from the awarded grant, Utah Microloan crafted a grant program where each recipient is eligible to receive up to 20% of their original loan amount, capped at $10,000 per business, fostering a sustainable path forward. The remaining portion of the funds granted to the UMLF serve as a lifeline for administrative support, ensuring seamless program execution and empowering staff to conduct comprehensive strategy sessions with clients.
​This holistic approach showcases the UMLF's commitment to nurturing businesses with tailored resources and expertise, even tapping into external consultants when specialized industry insights are paramount. 


Eligibility of Small Owners invited to apply for the Opportunity Boost Grant:
  • In business as of March, 23rd 2021.
  • Existing loan client of the Utah Microloan Fund. 
  • Operating during the pandemic. 
  • Located within Salt Lake City limits.
  • ​A business impacted by the COVID-19 pandemic. 
  • Supports a growth plan, with tangible outcomes such as revenue and job growth. 

Round 1 Awardees

Picture of Owner Elif Ekin
Owner Elif Ekin

Kahve Cafe

"These funds will enable me to expand our products and finally begin to offer our grab and go line by being able to offer more hours to my kitchen staff dedicated to our grab and go area. It would enable me to purchase extra equipment to build out a second kitchen space so that I can have more staff cooking at a time. It will also enable me to be able to purchase more product such as teas, updated marketing photos and social media content." 
Kahve Cafe

Hello!Bulk Market

"Regardless of the setbacks of being a small business in SLC right now, I completely value the support of the city programs (especially the staff). There are so many people out there doing the best they can with what they have.

People fighting to save these small businesses that have made it through Covid deserve to be a part of a brighter future. And I don't think a day goes by that a customer, in the market, doesn't tell me how grateful they are to have Hello!Bulk. It's hard to think of closing when we feel so much love around us."
Hello!Bulk
Picture of Owner Jamaica Trinnaman
Owner Jamaica Trinnaman

Stay tuned for specific client features and who is selected for our next rounds of funding!
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A Backbone for Wellbeing: Vitae Chiropractic

3/1/2024

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Picture of Dr. Crystal Glaser and patientDr. Crystal Glaser
Step into the world of well-adjusted wellness with our Business of the Month spotlight on Vitae Chiropractic, the brainchild of the Utah native and backbone enthusiast, Dr. Crystal Glaser. Nestled in the heart of West Jordan, Vitae Chiropractic has been aligning stars and spines alike for almost a year now! Keep reading to learn more about this powerhouse women-owned business below. 

UMLF: Hi Crystal, we’re excited to interview you as our Business of the Month! Tell us about yourself.   

Crystal: "After a snowboarding crash, I was getting headaches and numbness in my hands. Nothing seemed to help.  My wife and I had just started dating and she was tired of hearing me complain so she dragged me to her chiropractor. In just a few visits, he had me fixed up and doing exercises on my own with almost no pain at all.  Since then, I have been able to manage migraines without medication through regular chiropractic care (and massage too).  I decided to become a chiropractor shortly after my first visit and moved to Portland, OR to attend the University of Western States.

After graduating with my Doctorate in Chiropractic, I had several positions in Alaska, Nevada, and Utah. During that time, I learned what I like and don’t like in practice and how to get the best results for my patients. After the pandemic cooled off, I knew it was time to use the skills and knowledge I had acquired to build my dream practice."

UMLF:  For those not in the loop, tell us about Vitae Chiropractic and the services you offer.
Crystal: "Vitae Chiropractic combines multiple chiropractic techniques, customized therapeutic exercise programs, massage, and other modalities of care to help patients feel better, move better, and live better.  My approach to patient care is based on my philosophy that a body in motion stays in motion.  We are all in different stages of our movement journey and I try to meet you where you are to get you where you want to be."

UMLF: What are your future goals for Vitae, and how do you envision it evolving?
Crystal: "My short-term goals in practice include growing the office to a $20k/mo revenue by expanding my massage program and helping patients maximize their insurance benefits.  I recently hired a 3rd massage therapist and a part-time employee. My long-term goal is to expand to a second and third location in the next 3-7 years while helping other chiropractors grow in their clinical expertise and move toward their business ownership goals. I hope to elevate the next generation of chiropractors."

UMLF: Can you share a particularly rewarding moment or success story from your journey as a chiropractor and business owner?
Crystal: "Vitae Chiropractic is coming up on one year in business which is a huge win. Year two will be even more exciting.  I recently moved into a brand new 1250sf clinic that I got to design from the ground up. I absolutely love this new space and the potential I see every day I go to work." 

UMLF: How do you feel like the Utah Microloan Fund has helped your business?
Crystal: "I was able to get funding from UMLF a few months ago, securing it with equity from my home. I maximized every dollar of that loan for everything from advertising, equipment, payroll, and rent. This funding has been vital to the continued growth of my practice and allowed me to take big steps toward moving into my own location."
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UMLF:  Lastly, tell us a fun fact about yourself!
Crystal: "My wife and I are about to finalize the adoption of our 7-year-old son. A new business and a new kid in just one trip around the sun has been quite an exciting journey!"

​UMLF: Congrats Crystal! 2024 is going to be an amazing year for you!
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  • ​​Web:  https://vitaechiro4life.com
  • Facebook: www.facebook.com/profile.php?id=100089984761148
  • Insta:  www.instagram.com/vitae_chiropractic
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West Valley Gem - Al Najma Market

2/7/2024

1 Comment

 
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Our featured business for the month of February is Al Najma Market in West Valley City. This unique establishment is not just an ethnic grocery store but also a Halal butcher shop. Offering a diverse range of products, the store caters to the culinary needs of individuals interested in African, Middle Eastern, Arabic, Eastern European, and South Asian cuisines.

The owner, Ibrahim Abdalla, faced challenging circumstances when he fled from his homeland of Sudan, which was plagued by genocide, in 1998. After enduring years in a Jordanian refugee camp, he was granted admission to the United States in 2004. Ibrahim's determination led him to work hard, eventually becoming a U.S. citizen and establishing his own market.

Located at 2665 S Redwood Rd, Al Najma Market provides a unique shopping experience for those seeking authentic products in West Valley City.​

UMLF: What is one of your favorite products you carry?
 Ibrahim: "It’s Garam masala, a spice blend used in Indian cuisine."

UMLF: Entrepreneurship most definitely has its highs and lows. Can you tell us about a challenge you faced as a small business owner and how you overcame it?
Ibrahim: "Before COVID-19 business was great but after COVID it was so hard. The UMLF helped me get back on track." 

UMLF: How do you feel like the Utah Microloan Fund has helped your business?
​Ibrahim: "It is my home they are the best people. I’m so happy with UMLF for helping me with a wonderful loan to build. With it, I got my inventory and merchandise. The UMLF has got my back, thank you for everything they have done for my business." 
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  • ​​Web:   https://al-najma-market.business.site/
  • Address: 2665 S Redwood Rd West Valley City, UT 84119
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Dakota Ridge - Coolest Kids In Town

1/5/2024

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PictureOwner Cheyenne Smith
Expensive, homely, out-of-style rainboots for kids? That idea is about as welcome as a rattlesnake at a square dance! Dakota Ridge owner Cheyenne Smith and her trusty sidekick COO Kylee Mecham said that dog won't hunt so the invention of cowboy rain boots was born. Keep reading to learn about our Business of the Month and what other surprises they have on the way!

​UMLF: Hi Cheyenne, we’re excited to interview you as our January Business of the Month! Tell us about yourself. 
Cheyenne: "Hi! So excited to be included! I am a mom first and foremost, but I also run a few businesses. Dakota Ridge being my passion project! I started my first business to try and find a way to supplement my income because I wanted to stay at home with my daughter instead of going back to the corporate game. I quickly realized I could freelance and make more than I was making at my corporate job."

UMLF:  For those not in the loop on the coolest kid's boots in town, tell us about Dakota Ridge and why you got started.
Cheyenne: "I was working with all of these incredible startup e-commerce businesses and REALLY wanted to try to do it myself. I came up with the idea for DR because I could not for the life of me find rain boots that were cute and single color in my price range so I decided to search for cowboy boot rain boots but then realized quickly they didn’t exist for kids so decided to create them!"
 
UMLF: We see you are also launching adult cowboy rain boots, any other exciting products are readers should know about?
Cheyenne: "Yes! So we are currently crowdfunding here for our adult range, that has been our biggest ask by our customers so we are excited to kick those off! We are also working on new colors and designs hopefully to launch in 2024 as well as some partnerships with some brands you know and love! (shhh it’s a secret on who 😊)." ​

PictureCOO, Kylee Mecham
UMLF: Okay we will keep it on the hush-hush! We noticed that you have an awesome give-back with every purchase on your website, tell us more about that. 
Cheyenne: "Yes! So we want to make sure that we are giving back to our local community and other communities that we touch with our sales. One major one is For the Kids! We love the team there and stand behind the mission they have of giving back to children who may not have the means for meals over the weekends away from school. We are also involved with the Western Sports Foundation and some of their events."
 
UMLF: Entrepreneurship most definitely has its highs and lows. Can you tell us about a challenge you faced as a small business owner and how you overcame it?
Cheyenne: "Not going to lie... I cried this morning haha! So, I think the biggest challenge for me is the constant expenditure of energy right now. We are a small startup with limited cash flow and it feels like we are constantly pushing forward through thick mud and gaining one step at a time but we are gaining momentum! I guess what I’m trying to say is that you work really hard and part of that is incredible and I wouldn’t want to do ANYTHING else.. but sometimes it feels like there is a lot of pushing with limited gain. I know it WILL come one day but some days it feels like I’m just exhausted.
 
Now that said I love everything about the lifestyle of entrepreneurship. The flexibility, and the time it has allowed me to take with my daughter. The thrill of when it actually works.. everything is worth trudging through the sludge to get there. I have learned so much and eventually will be able to run through that sludge!"
 
UMLF: We don't think there is a single entrepreneur out there who hasn't had some good cries so you are not alone! ❤️

UMLF: How do you feel like the Utah Microloan Fund has helped your business?

Cheyenne: "Without the UMLF I would have not been able to afford my second round of inventory or expand into big kid sizes. They are single-handedly responsible for believing in me and my company and giving me the chance to prove that this is going to work! They allowed me to grow last year with the faith they put in me and I am forever grateful for that!
 
UMLF: Lastly, what is one kid’s fashion trend you would love to go away in 2024? 
Cheyenne: "I mean kids are going to be kids and I know they are SOOO easy to get on but I hate crocs haha." 

UMLF: Haha we agree! Thanks Cheyenne! And deff keep us informed when the adult boots drop! 

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  • ​​Web: https://shopdakotaridge.com 
  • Facebook: www.facebook.com/shopdakotaridge
  • Insta: www.instagram.com/shopdakotaridge
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Katsu City: West Jordan's Cutlet Haven

12/1/2023

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We're going to let you know right now, that other Katsu restaurants just aren't going to cut(let) it when you're looking for the tastiest breaded bliss in Utah! Gordon Jung and his family are bringing delicious and authentic Korean delights to lunch and dinner near you. Keep reading to learn more about our December Business of the Month located in the heart of West Jordan! 

UMLF: Hi Gordon, we’re excited to interview you as our Business of the Month! Tell us about yourself. 
Gordon: “Hello, my name is Gordon Jung and I have lived in Utah for twenty-three years. In 2011, I opened Utah's first Korean bakery (Moon Bakery), bringing happiness to many people who missed Korean bread. In 2020, I opened Utah's first Korean pork cutlet restaurant (Katsu City) in Provo, giving many people a treat, and introducing Korean pork cutlets. Now the restaurant has moved from Provo to West Jordan and reopened.”

UMLF: Katsu City has always been a hit with customers, tell us about what made you decide to open a restaurant.
Gordon: “When there were no Korean bakeries in Utah, I opened the first Korean bakery in Utah with the help of UMLF, bringing joy to many people. This time, I knew that many Koreans living in Utah wanted to eat pork cutlet, but there was no proper pork cutlet restaurant, so I opened a store to introduce it to them and other people who wanted to know about Korean pork cutlet.”

UMLF:  What are some of your favorite items on the menu?
Gordon: "Our restaurant has more than 10 menu items, but I especially like “King Katsu, Chicken Katsu, Curry Katsu, and Cheese Katsu.” Generally, other restaurants use dried breadcrumbs (panko) when frying pork cutlets, but at our restaurant, we do not use panko but instead bake the bread ourselves and make fresh bread crumbs to fry the meat, so the taste and quality are very different from dried breadcrumbs."

UMLF: Do you see yourself opening more locations in the future?
Gordon: “No, we do not have a plan yet.”

UMLF: Entrepreneurship most definitely has its highs and lows. Can you tell us about a challenge you faced as a small business owner and how you overcame it?
Gordon: “Speaking of difficulties, of course, there are financial difficulties when sales are low. We thought there were a lot of Americans in Utah who knew Korea well. So we started letting them know about Katsu City, and they came to our store one by one. And as they introduced our store on social media such as Instagram and Facebook, the number of customers increased and we overcame financial difficulties.”

UMLF: How do you feel like the Utah Microloan Fund has helped your business? 
Gordon: “In the process of preparing for Katsu City, I was able to receive timely help with capital shortages due to various inflation caused by the pandemic, which was a great help in opening Katsu City. They are always kind, responsive, understanding, and reasonable. I'm forever grateful for my UMLF team who helped us.”

To visit Katsu City check out: 
  • Their location: 1387 W 9000 S, West Jordan, UT 84088
  • Their menu: www.slcmenu.com/2023/12/02/katsu-city-menu
  • Their Instagram: www.instagram.com/katsucity_ut
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Celebrating Native American Heritage Month

11/27/2023

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Native American Heritage Month, observed throughout November, is a time to honor and celebrate the rich and diverse cultures, traditions, and contributions of Native Americans. This month provides an opportunity for reflection, education, and appreciation, acknowledging the historical significance and undeniable resilience of Native communities. Celebrating Native American Heritage Month is not only an acknowledgment of Utah's past but also a commitment to building a more equitable and culturally informed future.

Utah is home to approximately 60,000 Native Americans, representing more than 50 Tribal Nations, with eight being federally recognized. These Tribes are the Northwestern Band of Shoshone Nation, Confederated Tribes of Goshute, Skull Valley Band of Goshute, Ute Indian Tribe of the Uintah and Ouray Reservation, Ute Mountain Ute Tribe, San Juan Southern Paiute Tribe, Paiute Indian Tribe of Utah and Navajo Nation.  Native history in Utah goes back even further to Ancestral Puebloans who inhabited the Four Corners region from approximately 200 to 1300 CE and left a significant archaeological and cultural footprint. Cedar Mesa, Hovenweep, and Bear Ears National Monument are all notable, can't-miss sites for this. 

The Utah Microloan Fund has a commitment to empowering Native and rural entrepreneurs through providing access to funding, free virtual business education classes, and connection to resources. A big part of our efforts is connecting directly with business owners where they are, and we participated in two awesome events to further this goal.

The first of these was San Juan County Economic Development's Business Bootcamp in the beautiful small town of Blanding, Utah. Here, we engaged with local business owners, sharing insights and fostering connections within the community. The goal of the event was to connect businesses, entrepreneurs & those in start-up phases to the educational & financial resources they need to succeed. In attendance were organizations like the Governor's Office of Economic Development & Tourism, Utah MEP, Southeastern Regional Development Agency, economic development from Grand and San Juan counties, chamber representatives and government officials + more all to share our expertise.
The UMLF was also invited to participate in the National Center for American Indian Development's Native Edge Institute. This institute, dedicated to fostering economic development in Native communities, provided attendees with valuable information on unlocking their exporting potential, leadership, cyber security, the APEX accelerator program, technical assistance, lastly loan programs and access to capital. 
Held in downtown Salt Lake City, it was an awesome day of learning and connection thanks to the National Center for American Indian Enterprise Development (NCAIED). For over 50 years, NCAIED has been helping Native tribes and businesses gain access to economic opportunity and growth. NCAIED is now the largest national Native-specific business organization in the nation.

Thank you to both organizations for inviting the UMLF to participate in your essential events and giving us the chance to learn, teach, and participate. 

To learn more visit the below links: 
  • Native American Heritage Month
  • Utah's Native Nations & Places to Visit
  • Ancestral Puebloans 
  • National Center for American Indian Enterprise Development (NCAIED)
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PROG Development Center Now Open!

11/24/2023

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Hip hip hooray, the PROG Development Center is now open!
The PROG Development Center is without a doubt, an absolute labor of love. For almost two years the PROG team has been brainstorming how they could enact innovative solutions that will catalyze systemic change for the community and searching for the perfect location. Now the fruits of their labor have come to fruition and we couldn't be more excited for this wonderful asset located in the heart of West Valley. 

Their team is simply....wonderful! Their efforts in bringing this project to life are admirable and you can tell how much they care. Beth, Diana, and Franque have deeply engaged with community and resource partners to make sure they intentionally designed their programming and you can feel that throughout the center.
"Thanks to the hard work and support of each individual, Youth Advisory and Steering Council members, colleagues, and partners, the PROG Foundation is now offering youth in the Greater West Valley City a space to access the technology, education, and development opportunities they desire.”
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– Beth Martial, Director of the PROG Development Center.​​
So who is PROG? What does the center entail? 
The PROG Foundation, the non-profit founded by PROG Holdings, Inc. is the force behind this exciting new center. The PROG Holdings Foundation was created to improve lives by increasing access to technology, education, and development that enhances socioeconomic opportunity.

​With the opening of the PROG Development Center, the Foundation has a welcoming space for young adults in the greater West Valley City area to access in-person and hybrid programming, initiatives, and other offerings designed to develop the skills and resources necessary to help positively shape their futures.
What does that look like? 
PROG provides support for high school graduation, access to higher education, linkages for workplace preparation and enriching employment opportunities, and connections to community resources. Through community-based participatory partnerships, the Greater West Valley City youth and local leaders are working across sectors to bring this to life. 
How can you get involved? 
  • Visit the center located at 2875 South Decker Lake Drive, Ste. 150 West Valley City, Utah 84119
  • Check out their programs at https://progfoundation.org/programs
  • Serve on a committee. Current Committees include Career Coaching, Scholarships, Youth Advisory, and Internships. 
  • Learn more about the PROG Foundation at https://progfoundation.org
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