Money touches every part of running a small business, yet most owners are left to figure it out on their own. Whether you are trying to stretch your dollars, preparing to borrow, or simply wanting a clearer picture of where your money goes, getting back to the basics can make a real difference.
In this class, First Electronic Bank breaks down the core skills that help small business owners stay in control of their finances. We look at how to cut expenses in ways that feel realistic, how to track your spending so you can make informed decisions, and how to create a simple spending plan that helps you prioritize needs over wants. We will also talk about what responsible borrowing looks like and how it can support your business rather than add stress. The goal of this session is to give you practical tools and a clearer roadmap for managing your money day to day. No jargon, no judgment, just straightforward guidance to help you build healthier financial habits and create more breathing room in both your personal budget and your business. Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to help communities throughout Utah by providing business training and funding to entrepreneurs in start-up & existing businesses that do not qualify for traditional funding sources. How are we different from other financial institutions? The UMLF helps people who:
We are designed to support business owners by offering small business microloans and free business education and advising. Our application and loan process is simple and can provide funds for equipment, inventory, or working capital. Learn more at www.umlf.org 
HR issues can get complicated fast, especially when you are focused on running and growing a business. In this class, Jill Shroyer, CEO of Expedition HR, will walk business owners through 10 practical ways to prevent common and costly HR challenges before they turn into bigger problems.
The session will cover practical steps like creating clear and up-to-date job descriptions, understanding key employment law risks, and confidently navigating difficult workplace conversations. Attendees will leave feeling empowered to take immediate action, reduce risk, and build stronger, healthier workplaces while avoiding sticky HR situations. Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to help communities throughout Utah by providing business training and funding to entrepreneurs in start-up & existing businesses that do not qualify for traditional funding sources. How are we different from other financial institutions? The UMLF helps people who:
We are designed to support business owners by offering small business microloans and free business education and advising. Our application and loan process is simple and can provide funds for equipment, inventory, or working capital. Learn more at www.umlf.org 
If opening TikTok or Instagram and staring at a blank “create” screen makes you want to immediately close the app, this workshop is for you. This is a hands-on session taught by Kendall Rodriguez, aka Queen of SLC, who has helped local businesses grow real followings, attract new customers, and turn attention into actual sales through social media. You already know your business is good. Now let’s make sure Utah knows it too!
What is covered:
Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About Kendall: In January 2022, Kendall posted her first TikTok. That summer, an eight-second video she made about a local Utah soda shop unexpectedly went viral, giving her first real traction on social media. Instead of treating it as a one-off moment, she leaned in and started using her platform to highlight how much she loves Utah and how much there actually is to do here. As she spent more time creating, Kendall kept hearing the same narrative online that Utah and Salt Lake City were boring or had nothing going on. That criticism only fueled her motivation to prove otherwise by spotlighting local businesses, events, and experiences. Since then, she has built a hyperlocal following of more than 160,000 across Instagram, TikTok, and Facebook. In June 2025, Kendall left a decade-long career in Power 4 collegiate athletics to pursue social media full-time. Her ability to create engaging, authentic content has led to collaborations with Fortune 100 brands and helped elevate local businesses throughout the Salt Lake community and beyond. About the Utah Microloan Fund: Our mission is to help communities throughout Utah by providing business training and funding to entrepreneurs in start-up & existing businesses that do not qualify for traditional funding sources. How are we different from other financial institutions? The UMLF helps people who:
We are designed to support business owners by offering small business microloans and free business education and advising. Our application and loan process is simple and can provide funds for equipment, inventory, or working capital. Learn more at www.umlf.org 
And how to avoid them! Stop wasting money on marketing that is not working! Learn the biggest mistakes small businesses make and how to fix them. Join Kara Laws of Launched Academy for a no-fluff class designed to help you stop wasting money on marketing that is not working.
In this class, you will learn how to identify broken marketing strategies, understand why your current efforts may be costing you money instead of driving results, and discover what actually increases sales. Kara will walk through common marketing mistakes small business owners repeatedly make and share clear, actionable ways to fix them. You will also learn what truly gets clients excited about your business and how to position your brand so people want to engage, buy, and come back. Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to help communities throughout Utah by providing business training and funding to entrepreneurs in start-up & existing businesses that do not qualify for traditional funding sources. How are we different from other financial institutions? The UMLF helps people who:
We are designed to support business owners by offering small business microloans and free business education and advising. Our application and loan process is simple and can provide funds for equipment, inventory, or working capital. Learn more at www.umlf.org 
Running a small business takes a lot out of you. You are working hard to keep things moving, make the right choices, and show up for your customers, and it can be easy to put your own financial well-being at the bottom of the list. Saving for yourself might feel impossible, but it is one of the most important steps you can take to create stability and lower stress in the long run.
In this class, instructors from First Electronic Bank will walk you through what it really means to pay yourself first and why it matters for entrepreneurs. We will talk about simple, realistic ways to build savings into your routine so you can work toward your goals, handle emergencies with less worry, and slowly improve your standard of living. You will learn how personal financial stability strengthens your business, supports better decision-making, and opens doors when you are ready to grow. Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to help communities throughout Utah by providing business training and funding to entrepreneurs in start-up & existing businesses that do not qualify for traditional funding sources. How are we different from other financial institutions? The UMLF helps people who:
We are designed to support business owners by offering small business microloans and free business education and advising. Our application and loan process is simple and can provide funds for equipment, inventory, or working capital. Learn more at www.umlf.org 
Running a business is hard, we see it every day. You’re spinning a lot of plates, trying to make smart decisions, and probably not giving yourself a ton of grace. Stress might be part of the journey, but it doesn’t have to be all-consuming.
In this class, Charlie Warner of Human|Work will lead a grounded, supportive conversation about the role stress plays in entrepreneurship and how to navigate it in a way that feels manageable. You’ll learn to identify your own stress signals, explore strategies for managing stress that are actually sustainable, and walk away with tools you can start using right away. This isn’t a lecture and there’s no pressure to be anything but yourself. Just a chance to breathe, reflect, and get a little support from someone who understands the realities of small business life. About the Instructor: Charlie (she/they) is a self–described wanderpreneur and loves exploring our human relationships with work. She specializes in strategic alignment and supporting individuals and organizations in orienting to their Core Purpose & Values. She has her MBA and teaches strategy and leadership as an Adjunct Professor. Charlie mentors leaders, entrepreneurs, and anyone interested in aligning their work. Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to help communities throughout Utah by providing business training and funding to entrepreneurs in start-up & existing businesses that do not qualify for traditional funding sources. How are we different from other financial institutions? The UMLF helps people who:
We are designed to support business owners by offering small business microloans and free business education and advising. Our application and loan process is simple and can provide funds for equipment, inventory, or working capital. Learn more at www.umlf.org 
Learn how to get your business in the news! Master media pitching, press releases, and what makes a story stand out.
Join Becca Green of Becca Green Media for a workshop for small business owners. This class is designed to teach folks about the language and lenses journalists use to determine what to cover. We will discuss the framework of what makes a story news, best practices for planning and pitching an event or campaign, how to follow up on your pitch, and run through a brief workshop that explores the mechanics of drafting a press advisory or release. Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to help communities throughout Utah by providing business training and funding to entrepreneurs in start-up & existing businesses that do not qualify for traditional funding sources. How are we different from other financial institutions? The UMLF helps people who:
We are designed to support business owners by offering small business microloans and free business education and advising. Our application and loan process is simple and can provide funds for equipment, inventory, or working capital. Learn more at www.umlf.org 
Curating creativity can be challenging when it comes to social media, emails, and blog content. Intentional Messaging is a class designed to help you create a broad strategy for your message and tone, while adding tactical considerations to make it easier to plan and implement a content calendar for your various channels and stay unified and on-message.
With instructor Becca Green of Becca Green Media, we'll look at the broad strokes of your goals and principles while identifying different buckets of content and mapping out a plan to make it easier to share your message consistently across a variety of channels. Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to help communities throughout Utah by providing business training and funding to entrepreneurs in start-up & existing businesses that do not qualify for traditional funding sources. How are we different from other financial institutions? The UMLF helps people who:
We are designed to support business owners by offering small business microloans and free business education and advising. Our application and loan process is simple and can provide funds for equipment, inventory, or working capital. Learn more at www.umlf.org 
Pricing isn’t just about covering your costs. It’s about telling the story of your product’s value and finding the sweet spot where customers say “yes” and your business thrives. In this workshop with Charlie Warner of Human|Work, we’ll explore how to set prices that align with your brand, attract the right customers, and maximize profit. You’ll learn how to choose the right pricing model, test and refine your price points, and create offers that stand out in the market. Whether you’re launching something new, updating your rates, or simply wanting more confidence in your numbers, this session will give you practical tools to price with clarity, strategy, and impact.
Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to help communities throughout Utah by providing business training and funding to entrepreneurs in start-up & existing businesses that do not qualify for traditional funding sources. The UMLF helps people who:
Understanding how credit works is essential no matter where you are in your business journey. In this class, Patrina Hanesana and Briana Thomas from First Electronic Bank will walk you through the basics of credit, how your credit score is calculated, what lenders look for, and how to read and correct your credit report. You'll learn tips to build or improve your credit, clear up common misconceptions, and understand why your credit matters when it comes to things like loans, renting space, or setting up utilities.
Whether you're just getting started or already established, this class will give you the tools to take control of your credit and make it work for your business. Join us! Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to help communities throughout Utah by providing business training and funding to entrepreneurs in start-up & existing businesses that do not qualify for traditional funding sources. How are we different from other financial institutions? The UMLF helps people who:
We are designed to support business owners by offering small business microloans and free business education and advising. Our application and loan process is simple and can provide funds for equipment, inventory, or working capital. Learn more at www.umlf.org 
If you’ve ever wondered where your money is going or when it’s coming back, this class is for you. Cash flow forecasting is one of the most powerful tools in your business toolkit, and instructor Sarah Barlow of My Tax Collective will show you how to use it without the headache. You’ll learn how to create a forecast that helps you plan ahead, spot trouble before it hits, and make smarter decisions with confidence. Whether you're brand new to your numbers or ready to level up, this session will help you get clear and take control of your small business.
Download our Cashflow template here: Cash Flow Spreadsheet to use throughout the class. Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to help communities throughout Utah by providing business training and funding to entrepreneurs in start-up & existing businesses that do not qualify for traditional funding sources. How are we different from other financial institutions? The UMLF helps people who:
We are designed to support business owners by offering small business microloans and free business education and advising. Our application and loan process is simple and can provide funds for equipment, inventory, or working capital. Learn more at www.umlf.org 
You’ve made your first sale. Now what? Join Kim Tolman, Business Banking Officer at Cyprus Credit Union, for our next class that helps small business owners move from passion to profit. This class will walk you through key steps to building financial stability once you start earning income.
You’ll learn how to set up your banking foundation, understand rates and fees, choose the right financial tools, and identify your ideal customer. Kim will also cover how to track fixed and variable expenses, build reserves, and figure out what you can actually pay yourself. Whether you’re just starting out or working to gain control of your cash flow, this class will help you make informed decisions and lay the groundwork for sustainable growth. Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to help communities throughout Utah by providing business training and funding to entrepreneurs in start-up & existing businesses that do not qualify for traditional funding sources. How are we different from other financial institutions? The UMLF helps people who:
We are designed to support business owners by offering small business microloans and free business education and advising. Our application and loan process is simple and can provide funds for equipment, inventory, or working capital. Learn more at www.umlf.org 
Leadership isn’t about having all the answers. It’s about creating the conditions for others to thrive. In this workshop with Charlie Warner of Human|Work, we’ll talk about what it means to lead with clarity, purpose, and honesty in a small business setting. You’ll learn how to guide your team without micromanaging, build trust, and make decisions that reflect your values. Whether you’re building a team, working with freelancers, or just trying to stay grounded through change, this session will give you tools to lead with confidence and care.
Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to help communities throughout Utah by providing business training and funding to entrepreneurs in start-up & existing businesses that do not qualify for traditional funding sources. How are we different from other financial institutions? The UMLF helps people who:
We are designed to support business owners by offering small business microloans and free business education and advising. Our application and loan process is simple and can provide funds for equipment, inventory, or working capital. Learn more at www.umlf.org 
Imposter syndrome goes beyond self-doubt. It’s that quiet voice that makes us question our value and second-guess our place, even when we’ve earned it. For business owners, it can show up when setting prices, promoting services, or stepping into leadership roles. And the truth is, a lot more people struggle with it than we realize. In this reflective and supportive workshop, Charlie Warner of Human|Work helps participants explore where imposter syndrome comes from, how it shows up in our choices and visibility, and what it takes to move from self-sabotage to self-trust. Through honest stories, mindset shifts, and group conversation, you’ll start to reshape your inner dialogue and feel more grounded in your expertise.
Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to help communities throughout Utah by providing business training and funding to entrepreneurs in start-up & existing businesses that do not qualify for traditional funding sources. How are we different from other financial institutions? The UMLF helps people who:
Negotiation is often seen as a battle to win, but what if it could be a bridge instead? In this workshop with Charlie Warner of Human|Work, we’ll rethink negotiation as a conversation rooted in empathy, clarity, and mutual respect. You’ll learn how to prepare for tough conversations, share what you need without feeling defensive, and approach conflict with curiosity, not control. Whether you're working through client contracts, team issues, or partnerships, this session will give you practical tools to negotiate in a way that protects your values and your boundaries.
Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to help communities throughout Utah by providing business training and funding to entrepreneurs in start-up & existing businesses that do not qualify for traditional funding sources. How are we different from other financial institutions? The UMLF helps people who:
Small business owners often wear all the hats and juggle all the balls—stress is an inevitable part of running a business, but it doesn’t have to be debilitating. This workshop, led by Charlie Warner of Human|Work, offers grounded strategies for understanding, managing, and transforming stress in the entrepreneurial journey. Learn how to recognize your stress signals, develop personal coping mechanisms, and integrate simple, sustainable practices that help you stay centered and resilient amid the demands of leadership.
Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to help communities throughout Utah by providing business training and funding to entrepreneurs in start-up & existing businesses that do not qualify for traditional funding sources. How are we different from other financial institutions? The UMLF helps people who:
It’s easy to feel stuck or scattered when you don’t have a clear path forward. In this hands-on session, Charlie Warner of Human|Work will help small business owners cut through the noise and get focused. You’ll learn how to set goals that actually mean something to you, map out a plan that fits your vision, and build in flexibility for when life throws you a curveball. This workshop will give you a simple, doable framework to move forward with more clarity and confidence.
Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to help communities throughout Utah by providing business training and funding to entrepreneurs in start-up & existing businesses that do not qualify for traditional funding sources. How are we different from other financial institutions? The UMLF helps people who:
Yes, financial health is about numbers, but it’s also about mindset, habits, and the systems that support sustainable growth. In this session, Charlie Warner of Human|Work will guide small business owners through the inner and outer strategies of financial resilience. Participants will explore how personal values shape financial decision-making, develop tools to weather uncertainty and financial trauma, and begin crafting a framework for long-term fiscal strength that supports both business and well-being.
Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to empower underserved communities throughout Utah by providing business training and funding to entrepreneurs in start-up & existing businesses that do not qualify for traditional funding sources. How are we different from other financial institutions? The UMLF helps people who:
Networking doesn't have to feel like a one-sided pitch. In this class with instructor Charlie Warner of Human|Work, we'll explore how to build connections that are grounded in trust, shared values, and real mutual support. You'll learn simple, effective ways to approach networking with more purpose, offer genuine value, and grow relationships that support both your business and your personal goals.
Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to empower underserved communities throughout Utah by providing business training and funding to entrepreneurs in start-up & existing businesses that do not qualify for traditional funding sources. How are we different from other financial institutions? The UMLF helps people who:
Watch this virtual class that will demystify franchise buying, giving you the tools to confidently launch your own business. We’ll cover how to find the RIGHT franchise for you and the process of purchasing a franchise, including due diligence, financing, franchisor support, and negotiations. Whether you’re just exploring the idea or ready to take the plunge, we’re here to give you the tools to own your future and kickstart your journey into entrepreneurship. Let’s get started and turn that dream into a reality.
Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to empower underserved communities throughout Utah by providing business training and funding to entrepreneurs in start-up & existing businesses that do not qualify for traditional funding sources. How are we different from other financial institutions? The UMLF helps people who:
About the Instructor: As President of Exit Factor of SLC & Utah County, Diane Hartz Warsoff empowers small to mid-size business owners to maximize their company's value. With over eight years of experience leading Transworld Business Advisors of Utah County, an award-winning business brokerage firm, she possesses the expertise to guide entrepreneurs through the entire business lifecycle – from acquisition and growth to successful exit. Diane is a Certified Business Intermediary (CBI), Certified Exit Planning Advisor (CEPA), and a Licensed Realtor, with certifications in LEAN process improvement and franchise consulting. Her extensive background in commercial finance and nonprofit management further enhances her ability to provide strategic guidance and achieve optimal outcomes for her clients. 
In this session, we walk through the essentials of finding and understanding grants—from how to search effectively using online databases to building strong relationships with funders. We also share practical tips for staying organized, meeting deadlines, and spotting opportunities that fit your organization’s goals.
Perfect for anyone new to the grant world or looking to get a better handle on the process, this class gives you the tools to start navigating grants with confidence. The recording also includes a Q&A session where we answered real questions from participants. Catch the replay and set yourself up for grant success! Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to support small business owners across the state by providing business training and funding to those who don’t qualify for traditional financing. How are we different from other financial institutions? The UMLF helps people who:
Strategic Edge: Mastering Competitive Analysis for Small Businesses
This workshop, led by Charlie Warner of Human|Work is designed for small business owners seeking strategic perspective and a competitive edge. Together we will explore how to use a practical framework for understanding our external and competitive environments so we can make informed strategic decisions and reduce our business risk. Learn actionable techniques for conducting effective competitive analyses, identifying key competitors, and uncovering growth opportunities. Gain the tools to make informed strategic decisions and thrive in today's competitive market. Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to support small business owners across the state by providing business training and funding to those who don’t qualify for traditional financing. How are we different from other financial institutions? The UMLF helps people who:
As entrepreneurs, we are generally full of grand ideas, innovative solutions, and the next brilliant business model.
However, just because we have great ideas, doesn't mean they will all work. So how do we manage risk while pursuing our entrepreneurial ingenuity? The answer is validation through market research! This workshop is designed to guide entrepreneurs through the process of conducting market research to validate their business strategies and gather critical customer insights. We will explore the importance of this process while learning what steps to take and what to avoid when it comes to market research, how to analyze the data, and implement it into your strategies. Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to support small business owners across the state by providing business training and funding to those who don’t qualify for traditional financing. How are we different from other financial institutions? The UMLF helps people who:
As entrepreneurs, we are brimming with big ideas, creative concepts, and the drive to bring something new to the world. But in a crowded marketplace, standing out requires more than just a good idea — it requires a strong, cohesive brand identity. So how do you craft a brand that captures your vision, resonates with your audience, and stands the test of time?
This interactive workshop, led by Charlie Warner of Human|Work is designed to guide entrepreneurs through the process of building an authentic brand identity. Participants will learn the core elements of branding, including defining brand values, crafting a unique brand voice, and creating a visual identity that stands out. Through hands-on exercises, you'll walk away with a clearer vision for your brand, practical tools to refine your messaging, and actionable steps to bring your brand to life. Don't miss this chance to create a brand that leaves a lasting impression! Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About the Utah Microloan Fund: Our mission is to support small business owners across the state by providing business training and funding to those who don’t qualify for traditional financing. How are we different from other financial institutions? The UMLF helps people who:
Elevating Your Financial Mindset as a Small Business OwnerAs entrepreneurs, our work is to find creative and ever–expanding ways to make money. As fun as this sounds many times it is actually a very stressful, anxiety–inducing reality. The majority of entrepreneurs say they experience financial stress and fear about their finances.
Watch this empowering workshop led by Charlie Warner of Human|Work tailored specifically for entrepreneurs seeking to elevate their financial mindset. During our time together we will explore how to align our values with our values, understand why we experience stress and fear about money, and work to heal our relationship with our finances. We will also collectively explore strategies to overcome limiting beliefs, cultivate abundance, and harness the power of wealth consciousness to propel your business forward. Want to access this class? Fill out this form: Request UMLF Class Recordings and Materials About Us: Our mission is to support small business owners across the state by providing business training and funding to those who don’t qualify for traditional financing. How are we different from other financial institutions? The UMLF helps people who:
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We have made the dreams of Utah small business owners a reality with advising and microloans since 1991. Are you next?
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