![]() 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. 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
![]() 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!
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Crafting Smiles for Over Five Decades
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. 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." 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. 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." ![]() 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. 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." 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
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!![]() 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
Not to Toot Our Own Horn...
Owner Elham Neilson of Ability Wholesale & Distribution The Best Night Sleep You Will Ever Have
Luxurious Comfort and Style That Won’t Break the Bank
A Little Help Along the Way - Microloans from the Utah Microloan Fund
How COVID Pulled the Covers Over Sales
How Could an Opportunity Boost Grant Help Ability Post COVID?
Made Possible by ARPA & SLC Econ Development![]() 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:
Why Salt Lake City?
Stay Connected
Lucero Hair & Wellness - Salt Lake City's Inclusive Hair HavenJoshua 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!
Trimmed by the Pandemic, Growing Back StrongerJosh 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.
A Little Help Along the WayJosh 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. 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![]() 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:
Why Salt Lake City?
Stay Connected with Lucero Hair & Wellness:
Owner Christine Baird Worthfull Media - Salt Lake City's Boutique Media Production StudioWorthfull 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. 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?
A Little Help Along the WayChristine'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. 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. 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![]() 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:
Why Salt Lake City?Stay Connected with Worthfull Media
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 UtahMary 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 WayAfter 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. COVID-19 Strikes the World![]() 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. 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?![]() 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![]() 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:
Why Utah?
Stay Connected with Everything Utah
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
From Modest Beginnings
Riding the Wave of COVID-19COVID-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 OpportunitiesTo 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?![]() 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![]() 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:
Why Own a Business in Salt Lake City?
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
Elm Studios - Award Winning Production Company in the heart of SLC![]() 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
Lights, Camera, CrisisAs 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.
How Could an Opportunity Boost Grant Help Elm Studios?![]() 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![]() 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:
Why Salt Lake City?
Stay Connected with Elm Studios
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
How They Do It:
Important Takeaways for Rural DevelopmentThe 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 OrganizationsThis 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. Work Hard, Play Hard
Helping Utahns Together![]() 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 TeamHats 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.
For Your Next Stay in Bear LakeStay in Touch with the Rural Utah Chamber Coalition
Owners Kate Lubing & Hannah Hendrickson HK Brewing Wins Utah Microloan Fund's Opportunity Boost GrantIf 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.
Salt Lake City's Prettiest Taproom & BarComplementing 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. 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.
COVID-19 Had Trouble Brewing for HKWhile 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.
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?![]() 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![]() 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:
Stay Connected with HK Brewing
An Entrepreneurship Program Just For WomenWe'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 AchievementSo 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 Rural Virtual Cohort Pitch Night & Graduation 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 GraduatesBanking 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 Photo by Photo: Jessica Bundy of SLUG Magazine Thirteen Years of Music in Salt Lake CityJarom 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.
Finding the Right FormulaOver 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. Live Events Take a (Stage) Dive During COVID-19 Pandemic
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 FundPowered 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:
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.
Attend, Follow, and Stay In Touch with CrucialfestBischoff’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.
Creating a Zero-Waste Grocery Store in Salt Lake CityOwner 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.
Sustainable, Local, & Community-FocusedWhen 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:
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![]() 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. 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 FundPowered 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:
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!BulkWith 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
Planning Your Visit to the MarketThe 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![]() Hours of Operation:
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. 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
Kahve Cafe receives UMLF Opportunity Grant
Economic Resilience in Salt Lake CityDespite 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
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![]() "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 yearsSince 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
Opportunity Boost Grant CreationUsing 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:
Round 1 Awardees
Stay tuned for specific client features and who is selected for our next rounds of funding!
![]() 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." 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! ![]() 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.
![]() 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 😊)." ![]() 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!
![]() 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:
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: 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.” – 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?
![]() Now open is the long-awaited Fayette Merc, in you guessed it, Fayette, Utah! Located in the heart of Sanpete County, business owner Breanne Mashek and her family opened a locally-focused mercantile that is a must-stop spot on your next trip. Keep reading to learn more about this new shop located at 9 N. Main St in the old ZCMI! UMLF: Hi Breanne, we’re excited to interview you as our Business of the Month! Tell us about yourself. Breanne: "I'm Breanne Mashek, I’m a serial entrepreneur, mom to two teenagers, wife, and caregiver to my dad - a Vietnam veteran living with dementia. My family and I moved to Utah almost two years ago after traveling throughout the West during Covid. We were looking for a place to start writing our family’s next chapter and here we are in the middle of Utah.“ UMLF: Can you tell us why you chose Fayette and how you came up with the idea for the Merc? Breanne: "We chose Fayette because of this house! (and that it was an acceptable distance my husband Zach felt he could commute to work up North). We looked at just one other property because this one stole all of our hearts and checked all the boxes we were after, so why complicate the search? We wanted a small rural community, a little bit of acreage to dream up big things with, and easy access to the great outdoors which we get to utilize and admire daily. The home’s history and charm really sold us, our house is part of a former ZCMI building, so The Merc has always been a part of Fayette’s history. The decision to revitalize the old and bring it into the 21st Century was a natural one. Utilizing my previous entrepreneurial knowledge, I started doing the work to bring it to reality.” UMLF: What are some of the products you will be featuring in the shop? Breanne: "We are meeting with local producers in Sanpete County and the surrounding areas to get regenerative beef, pork, and chicken (that is, meat raised responsibly on pasture that is good for the soil and better for our health). We also have pasture eggs, homemade baked goods, smoothies, home-brewed kombucha, high-quality skincare items, and convenience snacks that are free of “natural flavors” and seed oils. Hyper-local wherever possible, and just really tasty food that is really good for you.” UMLF: Do you have any long-term goals for the Merc that you can share with us?
Breanne: "We hope to create a community hub where people can meet and enjoy good food together, having farm-to-table dinners and breaking bread while the stars come out at night. Long term, we’d like to start a community garden where we can collectively raise and grow more of our own food together. I see this place as the beginning of creating a secure food network in our county where there are a lot of people interested and invested in the wellness of one another.” UMLF: How has the local community responded? Breanne: "There is a lot of buzz around The Merc’s opening, so I think people are excited. We get people stopping by a lot who have some tie to this place and we love hearing and collecting their stories of what they loved about this place when they were growing up. So more of that, and now with good food while they visit!” 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? Breanne: "This is the first business venture I’ve started that included asking for funding. I was super intimidated and almost let the hurdle of asking squash my dream. Rather than giving up, I started asking a lot of questions to people in my community, people in banking who are really good with numbers and spreadsheets, and attending UMLF’s online classes and orientations. Basically, building a network of competent and caring individuals who are on our team and want to see us succeed.” UMLF: How do you feel like the Utah Microloan Fund has helped your business? Breanne: “It’s been nothing but encouraging and educational. We couldn’t have started this without their help and belief in our vision. We’re super grateful and excited for this new adventure!” To stay in touch with Breanne and visit the Fayette Merc check out:
![]() Our October Business of the Month shines a spotlight on Jolly Circle, a comprehensive bike shop situated in the heart of Springville, Utah, owned by entrepreneur and avid biked Griffin Park. At Jolly Circle, the love for cycling merges seamlessly with a commitment to providing top-notch service, making it a go-to destination for cycling enthusiasts. Whether you're a seasoned rider or a novice exploring the world of biking, Jolly Circle offers a diverse range of services and products, catering to all your biking needs. Keep reading to discover the remarkable journey and offerings of this thriving hub for bike enthusiasts. UMLF: Hi Griffin, we're excited to interview you as our Business of the Month! Tell us about yourself. Jolly Circle: My name is Griffin Park, I'm 27 and I was raised in Springville, Utah, where my bike shop is located. I have been pursuing a degree in exercise science at UVU for the past 4 years as I've been starting and running this business. I love to ride bikes, although I don't get to do it as much as I'd like. I love to ski and be outside. My wife and I just had our first kid, so it's been an adventure trying to grow a business while in school and now with a baby in the house. But I've enjoyed it a lot and I've grown quite a bit. UMLF: Can you tell us about the history and founding of Jolly Circle? What inspired the name and concept behind your business? Jolly Circle: “I started racing bikes at 10 years old, I got a job in a bike shop the day I turned 15 to help me afford to continue racing. In 2017, I was still working in a bike shop in Orem, but I started to do bicycle repair in my neighborhood on the side for some extra money. I did this each year, and it grew each year. In the Spring of 2020 I was doing enough work for me to quit my other job and do bike repair full time here in Springville. Up until 2020 I was doing everything mobile, driving my car around with a tool box and a bunch of parts, fixing bikes at peoples houses. In 2020 I was able to get a little shop space, and make it more of an official business. My idea was to make bikes and bike repair more accessible to people who weren't "bike savvy". Sometimes bike shops can come off a little intimidating/snobby, looking down on those who ride cheaper bikes, or don't know much about bikes. I wanted to have a bike shop that anyone would feel comfortable walking into. My dad was a pretty big influence in my passion for bikes. He started training with me at 9 years old and helped me start racing. When I was young, he created a team with me and some of my buddies, called Jolly Circle Racing. Jolly Circle is the street my dad grew up on, and it kind of became a family brand at that point. I named the shop after that, because that is where I got my start with bicycles.” UMLF: What are some of the services you provide in addition to bike sales? Jolly Circle: “We fix all kinds of bikes, and sell all kinds of bicycle accessories. We also offer bicycle maintenance classes, as well as coaching for young bike racers. We also still do mobile bicycle repair, but now we pick up the bikes and bring them back to the shop for repair.” UMLF: How has the local community responded to your shop? Are there any memorable customer stories you'd like to share? Jolly Circle: “The community has been amazingly supportive of our shop. So many of our customers tell us that they love to support local businesses. We have a great turn out for our community rides when we hold them. My favorite thing is when we have a kid who gets a new bike from us, or gets their bike fixed with us. The moment they hop on the bike and start smiling is so cool to see.” UMLF: Utah is obviously known for its beautiful landscapes and outdoor activities. How does Jolly Circle contribute to promoting biking as a recreational and transportation option in Springville? Jolly Circle: “We host community rides on a semi regular basis. This year we have tried to pick routes that highlight unique or cool things about Springville, like our Art Museum and our many parks. We also try to help the riders to learn new safe routes to navigate the city by bike. I also have plans this winter to create a cycling map of Springville, showing which roads to utilize for transportation by bicycle, and which to avoid. Riding a bike out on the roads, as transportation, for errands, or to commute to school or work can be kind of intimidating. The map will hopefully build some confidence in those who want to make riding a bike a bigger part of their life.” 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? Jolly Circle: “Starting the business in 2020 had its benefits and its drawbacks. It was extremely hard to get our hands on any new bikes, or to even get any accounts opened up with any bike brands. This was due to the extremely high demand for bikes at this time. I also didn't have a large sum of money to put in a large order of bikes, so the bicycle distributing companies did not want to do business with a smaller shop like us. It was also hard to get parts for repairs, because the supply of parts was so strained at that time. In response to this, we focused really hard on repairs, and fixing broken parts, rather than replacing them with new ones. It turned out to be a great thing for the shop, because we were able to bring in a good amount of revenue through repairs, without having to go heavily into debt bringing in a huge order of bikes. It definitely forced me to be ok with the business growing a little slower, which was a good thing with me also being in school full time.” UMLF: How do you feel like the Utah Microloan Fund has helped your business? Jolly Circle: “UMLF helped me to take the next step into becoming a full service bike shop. UMLF allowed me to have opportunity to bring in a full order of new bikes to sell, in addition to the opportunity to renovate a new shop location. Both of these things have helped my business grow quite a bit, and will allow my business to continue to see great growth over the next few years. I'm very grateful for UMLF and for how easy they've been to work with.” To stay in touch with Jolly Circle visit:
A Night of Glamour and Achievement: Women's Business Center of Utah's 23rd Annual Summer Social9/11/2023 The 23rd Annual Summer Social hosted by the Women's Business Center of Utah (WBCUtah) was a night to remember! The night came to life in a vintage Hollywood-themed celebration filled with delectable hors d'oeuvres, silent auction, and an inspirational honor for Becca Hofmann, Northern Entrepreneur of the Year. It was also a night to celebrate the ongoing success of the Women's Business Center of Utah and all of the amazing work they do for women entrepreneurs throughout the state. Stepping into the event was like stepping back in time to the golden age of Hollywood. Our venue for the evening was the beautiful historic Monson Center. The event was held in the Ivory Ballroom, creating an elegant atmosphere that set the stage for an evening of glamour and celebration. ![]() WBCUtah provides individualized business counseling and coaching, extensive training and workshops, guidance in accessing capital, opportunities for networking and community building, an arsenal of business resources, and specialized programs designed to address unique entrepreneurial challenges. Additionally, the center advocates for policies supporting women-owned businesses, fosters mentoring relationships, and offers online resources for accessibility. WBCUtah is dedicated to fostering the success and growth of women-owned enterprises in Utah through its multifaceted and evolving support ecosystem. If you haven't visited utahwomenowned.com or listed your own women-owned business on there, we know what you're doing today! The highlight of the night was the recognition of Becca Hofmann as the Northern Entrepreneur of the Year. Becca's journey showcased the potential of entrepreneurship and the impact of organizations like WBCUtah. The event also offered a valuable networking opportunity, bringing together entrepreneurs, business leaders, and professionals to share ideas and strengthen the community of female entrepreneurs in Utah. The night celebrated entrepreneurship, success, and the remarkable achievements of women in Utah. It was a shining example of how a supportive community, mentorship, and perseverance can pave the way for women to excel in the business world. Can't wait for next year! To learn more about how the Women's Business Center of Utah can help your business, visit https://wbcutah.org/ to learn more! |