Marcia built a successful boutique in Los Angeles on a long career in fashion. When she needed a small business loan, she got a high interest rate that almost crippled her business. Opportunity Fund was there to help her refinance the loan and set her on the path to financial success.

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Marcia built a successful boutique in Los Angeles on a long career in fashion. When she needed a small business loan, she got a high interest rate that almost crippled her business. Opportunity Fund was there to help her refinance the loan and set her on the path to financial success.

Starting a Career from Scratch

Marcia Charles has worked in fashion all her life. She started out working at department store warehouses in the Bronx at age 15. Over the next 35 years she grew into a self-taught fashion designer and merchandiser and self-made small business owner.

Marcia opened Pinky Rose Boutique in 2003 in Los Angeles. She works with wholesalers to stock up her boutique with the latest styles in clothes and accessories, plus she showcases her own designs.

“I created the Nadda dress,” Marcia said. “it’s not a dress but like a jumpsuit, comfortable with built in pockets that work as a belt and can be worn five different ways.”

Marcia’s leadership extends beyond her innovative fashions. She helped establish the business neighborhood around her boutique. “I work with people in the community to improve the neighborhood for small businesses,” she said. “I was the first boutique on the street. Along with two other restaurants, we were the first businesses here. When I started, there was nothing on the street.”

Now in her 60s, Marcia is using her experience and wisdom to keep her business going in a tough industry while building up her own fashion brand. She needed a small business loan to help with working capital. She ran into problems with her first lender Kabbage, a company that charged her a 45% interest rate that killed her business cash flow.

She needed a trustworthy and transparent lender who understood her business. Opportunity Fund was there to answer her call.

Finding the Right Fit for Financing

Marcia came to us through our community partner BusinessSource LA. After connecting with Marcia, our loan consultant Robert Zapata helped her understand what we do for small business owners and how we’re different from high interest alternative lenders. It helped her make the choice to work with us for her small business financing needs. Robert was able to close a loan for $7,500 in October 2015.

“It helped me pay off the Kabbage loan and get a lower interest rate,” she said. “That helped me stay in business, because the Kabbage loan would have probably put me out of business.”

Marcia - Pinky Rose Boutique

Our small business loans are helping Marcia keep the latest fashions in stock (photo courtesy of Michael Microulis)


She came back to us for three more loans to help with her wholesale expenses:

  • $15,000 in September 2016
  • $18,000 in February 2017
  • $25,000 in January 2018

“It’s helped me grow over the past three years,” she said. “Without Opportunity Fund I wouldn’t have the money to do it.”

Marcia’s vision for the future of Pinky Rose Boutique includes expanding to a second location that houses only her original designs and establish her comfort couture brand.

We’re excited to see the next designs coming from Pinky Rose and we’re honored to support hard working entrepreneurs like Marcia.


We hope this story has inspired you, too.  At Opportunity Fund, we offer easy-to-get, fast, and affordable small business loans to help small business owners succeed.  Visit our home page to find out more.

Opportunity Fund is tackling economic inequality so that hard work and perseverance means a shot at getting ahead, not just struggling to get by. Our programs are supported by a community of donors and investors whose contributions help to fund small businesses, support college students, and build stronger families and vibrant neighborhoods. Since 1994, the team has deployed $600 million and helped 20,000 families earn, save and invest in their own futures. Opportunity Fund has earned a 4-star rating from Charity Navigator, America’s largest independent charity evaluator, for our commitment to accountability and transparency.

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Opportunity Fund. Working Capital for Working People. opportunityfund.org