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.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too.

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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Bust a Nut is a snacking hotspot at one of the largest swap meets in Southern California. When owner Hector Sandoval needed to purchase a trailer for his roasted nuts business, Opportunity Fund was there to help with our fast, easy-to-get, and affordable small business loans.

 

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too.

Bust a Nut is a snacking hotspot at one of the largest swap meets in Southern California. When owner Hector Sandoval needed to purchase a trailer for his roasted nuts business, Opportunity Fund was there to help with our fast, easy-to-get, and affordable small business loans.

A Breakout Success

Hector Sandoval started Bust a Nut, his roasted peanut cart, in 2012. Hector takes his cart to the Vineland Swap Meet in La Puente, Calif. six days a week to sell fresh roasted peanuts. The well known swap meet has been a major key in Bust a Nut’s success, with large crowds every weekend and entertainment like live music every day.

Hector took his chance to become an entrepreneur following the latest recession. After working in road construction for several years with opportunities dwindling, he chose to go into business for himself.

“I was always interested in selling,” Hector said. “I picked this business because not many people do what I do in mobile food.”

Hector buys raw peanuts in bulk and roasts them on the spot at his nut cart. The fresh, hot peanuts are a huge hit at every stop he makes: the swap meet and church events, where he donates all profits to his church.

Bust a Nut was a success from the start, but Hector still had some roadblocks to growth. “When I started roasting peanuts I had a lot of problems with the health department,” he said. “They required me to build a trailer and put my machines inside the trailer. It was a huge project.”

Primed for Growth

The new direction for Bust a Nut was difficult for Hector to handle alone. “It was too much for me to afford all at once,” he said.

Working with Kareem Carts helped Hector what he needed: a new trailer for his business and a financing connection. Our mobile food vehicle partner Kareem Carts connected Hector to Opportunity Fund loan consultant Salvador Lopez, who helped close a $26,000 loan for the trailer purchase in November 2013.

Hector - Bust a Nut

Our small business loans helped Hector upgrade his roasted nut business (photo courtesy of Michael Microulis)

“Salvador made everything easy,” Hector said. “There was never any pressure to get into a loan. Salvador explained everything and the terms were reasonable.”

With the new trailer, Bust a Nut can go anywhere and do anything. Hector is planning to purchase a second trailer to travel to special events around Los Angeles and hire help to run the new trailer.

“I’m nothing but grateful for Opportunity Fund for giving me that kick start I needed,” he said.

We’re happy to support entrepreneurs like Hector and we’re proud to watch his business grow.


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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Lance started his own business after years working in the protective auto coating trade as a member of the U.S. Marine Corps. Clear Pro has grown into a thriving business with two Inland Empire locations. A small business loan from Opportunity Fund helped Clear Pro get their second location ready for business.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too.

Lance started his own business after years working in the protective auto coating trade as a member of the U.S. Marine Corps. Clear Pro has grown into a thriving business with two Inland Empire locations. A small business loan from Opportunity Fund helped Clear Pro get their second location ready for business.

From Trade to Business Ownership

Lance Pugh started Clear Pro LLC in 2004. His business installs clear protective film on auto paint jobs to prevent chips and scratches to the paint. Clear Pro serves clients in need of protection for their auto paint jobs, from the everyday driver to high performance vehicle owners.

Lance learned the protective auto coating trade while serving in the United States Marine Corps. His military service saw him move back and forth between California and his home state of Michigan, all the while working for car dealerships providing protective auto coating services. After completing his military service, Lance decided to settle down in the Inland Empire and start his own business.

“I don’t have a college education,” Lance said. “I wanted to start my own business. I found a niche market that wasn’t as popular at first, and today it’s grown into something in demand.”

Lance began Clear Pro in Murrieta, where his business had the runway it needed to grow. When it came time to expand to a second location in Cathedral City, he knew it was the right move for his business.

“One of our manufacturers had a shop out there and they asked us if we could take over,” Lance said. “They’re based in Texas. It was challenging for them to have their business here.”

It wasn’t easy for Clear Pro to expand right away either. Lance needed a small business loan to complete the transition to a multi-location business.

Growing from the Inside Out

Opportunity Fund business development officer Adriana Williams reached out to Lance to help with his small business financing needs. “She really wanted to help us out,” Lance said. “It was a good fit for us. It was easy to get the paperwork done and get the loan we needed. The funding was quick too.”

Lance Pugh - Clear Pro

Thanks to a small business loan from Opportunity Fund, Lance has two Clear Pro locations in the Inland Empire (photo courtesy of Michael Microulis)

Adriana helped close a $80,000 loan in August 2017, which allowed Lance and his team to clean up the Cathedral City location and make it a long-term part of Clear Pro’s success.

“Working with Opportunity Fund has let me put everything I need for both shops in one central location,” Lance said. “It makes it easy to take care of everything over time rather than all at once.”

With five employees and a new location, the future of Clear Pro is bright. “We’re working on promoting our second location as well as growing our first location,” Lance said, “Then we’ll go from here.”

Watch Lance’s story in this video:

We’re proud to support entrepreneurs like Lance who build their businesses from the ground up, and we’re honored to be a funding solution for veteran small business owners.

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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Vladimir and Jim started their business partnership when they took over Alan Desk Business Interiors in Los Angeles. Despite working together at Alan Desk for years, they had trouble finding business loans as new business owners. Opportunity Fund’s partnership with Lending Club helped them get their showroom ready for new customers.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too.

Vladimir and Jim started their business partnership when they took over Alan Desk Business Interiors in Los Angeles. Despite working together at Alan Desk for years, they had trouble finding business loans as new business owners. Opportunity Fund’s partnership with Lending Club helped them get their showroom ready for new customers.

A New Business Partnership

Vladimir Alvarez and Jim Meltzer worked together for years at Alan Desk Business Interiors in Los Angeles. They made their dream of business ownership a reality when they took over the formerly family owned business in 2016.

Alan Desk Business Interiors provides design for commercial office spaces by supplying office furniture and designs to their clients. Vladimir and Jim serve as the only employees at Alan Desk, and their connections within the Los Angeles community have landed them several high profile clients like Magic Johnson and the Jimmy Kimmel Show.

Alan Desk - Jim

Jim is the creative and design brain of Alan Desk (photo courtesy of Michael Microulis)


The dynamic duo covers all the functions of the business. Vladimir handles accounting, marketing, and purchasing while Jim is the creative brain and buyer behind the interior design.

Late in 2017, Alan Desk opened a new 1,700 square foot showroom in Los Angeles. Vladimir and Jim needed a small business loan to help them renovate and stock the showroom. Although Alan Desk has been around since 1941, Vladimir and Jim’s new partnership meant starting over.

“We tried the major banks but because we are considered a new business with only a two year history, we were not approved,” Vladimir said. They needed a small business lending solution that recognized their experience and potential.

New Paths to Success

Vladimir and Jim came to Opportunity Fund through our partnership with Lending Club. Our business loan advisor Rexie Dumagan helped close a $40,000 loan in October 2017 to help Alan Desk purchase the floor samples they needed to best serve their clients.

“We’re in a high profile design area here in Los Angeles,” Jim said. “We’re working to get this showroom established so we can start growing our business.”

Alan Desk - Vladimir

Vladimir works on business operations at Alan Desk (photo courtesy of Michael Microulis)

Vladimir and Jim were determined to get the funds they needed to establish their new business together. Opportunity Fund was the right fit based on our customer service and fair pricing.

“Rexie was very helpful,” Vladimir said. “He provided the terms and helped us through the entire process. I talked with other lenders but their interest rates were through the roof.”

Vladimir and Jim are looking to the future of Alan Desk as co-owners. “The next step is growing this space,” Jim said. “We want to work with Opportunity Fund again when we start to expand.”

We’re proud to support hard working entrepreneurs who are determined to make their dreams come true like Vladimir and Jim.

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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REJ Electric is a green energy leader in the Bay Area. When CEO Steven Phillips needed working capital to help complete key projects, Opportunity Fund was there with easy-to-get, fast, and affordable small business loans.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too. REJ Electric is a green energy leader in the Bay Area. When CEO Steven Phillips needed working capital to help complete key projects, Opportunity Fund was there with easy-to-get, fast, and affordable small business loans.

A Successful Transformation

REJ Electric is a successful energy company based in Alameda. After going through some changes in leadership and service sector, the company is doing better than ever. CEO Steven Phillips spearheaded the most ambitious changes for REJ and built his company into a Bay Area green energy leader.

Steven joined REJ in 2007 and led an initiative to target the commercial energy market, which meant moving away from the company’s previous core of residential customers to focus on cities, municipalities, and corporations. Two years later, Steven took over the company and invested in electric vehicle charging stations. By 2016, the company was solely focused on green energy services for commercial customers.

Some of REJ’s clients include the City of Oakland, Alameda County, and John Muir Health. In addition to providing excellent service for their clients, REJ is a community leader. Steven focuses on hiring local people, including many youths looking for job training or others who wish to develop their administrative skills.

REJ Electric needed small business working capital to help provide excellent service to their clients and continue to pay competitive salaries to employees. Steven credits REJ’s success on his staff, so retention is key.

“We were looking to manage our projects, expand our staff, and buy more assets for the business,” Steven said.

A Bright Funding Idea

Steven has been on the cutting edge of his industry since he began at REJ, so his business required a different kind of funding resource. Traditional sources like banks didn’t work out, so Steven turned to Opportunity Fund.

Our business development officer Alex Esquivias closed a $20,000 loan for REJ in December 2016. The working capital helped REJ complete three projects and pay vendors.  

“We were able to finish the projects faster with the loan,” he said. “We’d been looking for a partner in this industry. Working with Opportunity Fund relieved a lot of stress for us.”

Steven Phillips - REJ Electric

Steven helps cities, counties, and corporations go green. We’re helping his company keep up with contracts. (Photo courtesy of Heimo Schmidt)

Steven was so impressed with the speed and ease of our loan process that he applied for a second loan in October 2017 for $50,000. The new wave of working capital is helping support some major projects for REJ. “We’re aiming for a quarter million dollars worth of projects by the end of 2017,” Steven said. “Then start off the new year at 25% above what we did last year. Then continue to grow from there.”

The financial support means a lot to REJ. Steven is also thankful for us standing by him as his company grows in a fledgling industry. “We’re still new to this kind of technology,” he said. “Everyone here knows how important is it to have a company like Opportunity Fund supporting us.”

We’re proud to work with hardworking entrepreneurs like Steven who are making a difference in his community and for the environment.

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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Corey founded CORE Kitchen in downtown Oakland as a mission-oriented plant-based kitchen. When he needed to fulfill a new product order for retail partner Whole Foods, Opportunity Fund was there to help with a small business loan. Thanks to the working capital, the latest products from CORE Foods are coming to a grocery store near you.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too.  Corey founded CORE Kitchen in downtown Oakland as a mission-oriented plant-based kitchen. When he needed to fulfill a new product order for retail partner Whole Foods, Opportunity Fund was there to help with a small business loan. Thanks to the working capital, the latest products from CORE Foods are coming to a grocery store near you.

Growth Based on Inclusion

Corey Rennell started CORE Kitchen in 2010 in downtown Oakland as a response to some of the San Francisco Bay Area’s most pressing needs: access to healthy food and employment opportunities. A first-time entrepreneur, Corey used his history as a vegetarian and former employee at Whole Foods to build his dream business.

“We believe that every person has a right to healthy food,” he said.

CORE Kitchen serves vegan, organic, plant-based breakfast, lunch, and smoothies. Their positive impact goes beyond disruptive food systems. Corey hires formerly incarcerated people to work at CORE Kitchen.

“Oakland can be a very divided place on racial and economic lines,” Corey said. “We believe that we can rebuild our infrastructure by providing jobs for people in these communities.”

In 2015, CORE Kitchen expanded to CORE Foods, a line of perishable food bars sold in retail stores. A year later, they added oatmeal and granola. These products are available locally at stores like the Berkeley Bowl and Rainbow Grocery. CORE Foods went nationwide thanks to Corey’s partnership with Whole Foods’ local producer loan program.

“Whole Foods offered us a loan because they wanted to help us bring our items to their grocery store,” he said.

New Products, New Success

In 2017, the CORE Foods brand added a new product: a line of herbal, functional, sparkling health beverages sweetened with fruit juice. CORE Foods was thriving but lacked the capital necessary to fulfill the order of 100,000 bottles for the new contract with Whole Foods.

Our community partner Working Solutions connected Corey to us. “With the new contract, we’d outgrown Working Solutions’ capability to fund us,” he said. “Our bank wasn’t connecting to our needs.”

Opportunity Fund business development officer Shanna McClearn worked with Corey to close a $150,000 loan in June 2017. The speed and ease of the funding process initially caught Corey off guard. “We had approval within a week,” he said. “I was expecting two to four weeks. We had the money available before we were ready to use it.”

Thanks to the loan, CORE Foods Tonics are now available at Whole Foods locations in Los Angeles and Chicago. As CORE Foods expands to compete in new product categories against food and beverage giants like Kraft and Coca-Cola, they may outgrow Opportunity Fund one day.

Corey Rennell - CORE Foods

Corey and his staff are changing the face of healthy eating in Oakland (photo courtesy of Heimo Schmidt)

“Opportunity Fund has helped us invest in things we’ve needed for a long time and to position ourselves to run the business we know we can run,” he said. “That makes us much more attractive to a non-profit partner that we’ll ultimately partner with.”

Get to know more about Corey and the CORE Foods staff and mission in this video:

We’re proud to work with visionary entrepreneurs like Corey who create change in their communities, and we’re honored to be one of CORE Foods’ non-profit growth partners.

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.

Follow us on Facebook and Twitter

Just Drive helps Bay Area drivers lease cars to get started with on-demand driving jobs. When owner Chris needed to purchase a car for Just Drive, Opportunity Fund was there to help with a commercial vehicle loan.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too. Read about Chris Taylor of Just Drive. His business helps Bay Area drivers lease cars to get started with on-demand driving jobs. When Chris needed to purchase a car for Just Drive, Opportunity Fund was there to help with a commercial vehicle loan.

A Force for Driving Change

Chris Taylor started Just Drive in late 2014. The Bay Area-based company leases cars to drivers who want to get started in on-demand delivery and driving jobs such as Doordash and Uber. Chris saw the opportunity to help those who couldn’t get started in the industry and ran with the idea to help drivers finance cars with the goal of eventual ownership.

Just Drive’s model of acquiring cars to lease to their drivers helps drivers save money. The company assumes maintenance costs of each vehicle, plus each driver pays substantially less each month in car leasing fees compared to other companies. Chris also helps his drivers get started with on-demand driving jobs.

“We help them get a car and a job, set a goal to own their own car, and then be their own boss,” he said.

With the on-demand driving industry in flux, Just Drive faces serious challenges. In less than a year, Just Drive’s biggest industry competitors cut driver payouts dramatically. Undercut revenues made Chris look critically at his company and think of new ways to keep his unique model alive for the people he wanted to reach the most.

Opportunity Fund Helps Just Drive Stay on Track

None of the typical small business funding sources was right for Just Drive’s operations. “The SBA said that a car leasing business was passive income,” he said. “But it wasn’t passive. I was working every day.”

Chris’ business banker at Wells Fargo connected him to Opportunity Fund. Our loan consultant Madieu Shyllon worked with Just Drive to close a $7,000 commercial vehicle loan in March 2016 to purchase a vehicle. The working capital connection was the right fit for Just Drive, so Chris came back in October 2016 for a $16,000 loan to finance another vehicle purchase.

Chris Taylor - Just Drive

Chris helps his drivers get on the road to independence through his driving company (photo courtesy of Christian Peacock)


“Opportunity Fund was there to help me with liquidity” Chris said. “Without that, the business may have failed.”

The ease and speed of the funding process was a big win for Just Drive. “Madieu was a huge help,” Chris said. “He put in the time and effort necessary to get it done. I got the loan in less than a week after approval.”

Now that Chris has the working capital he needs to keep his fleet on the road, he can focus on helping others get started with jobs to improve their lives.

“Just Drive helps people from disadvantaged backgrounds,” he said. “People from East Oakland, West Oakland, or The Mission. A lot of people that get duped by predatory lenders or dishonest car dealerships. I was there to put them in a vehicle.”

We’re proud to support entrepreneurs like Chris with vision to change the world, and we’ll be there to help grow Just Drive’s fleet in the future.

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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Adolfo is a champion horse trainer and western wear retail entrepreneur. When he needed to increase inventory for his store in Oakley, Calif., Opportunity Fund was there to help with a small business loan. Two Amigos Western Wear has become one of our most successful repeat borrowers with eight loans.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too.  Adolfo is a champion horse trainer and western wear retail entrepreneur. When he needed to increase inventory for his store in Oakley, Calif., Opportunity Fund was there to help with a small business loan. Two Amigos Western Wear has become one of our most successful repeat borrowers with eight loans.

Riding Toward Success

Adolfo Ortiz started Two Amigos Western Wear in 2006. Shortly after moving to Oakley, a small Northern California town on the edge of Central Valley farmland, Adolfo saw the need for a store catering to local farmers, ranchers, and cowboys.

Adolfo has been a self-starter his whole life, from the time he came to the U.S. from Mexico to find work at 14, to his other passion: training horses. As a state champion horse trainer, Adolfo knows what his fellow riders and ranchers need to stay in style and competition. It was an easy fit for him to transition from 20-plus years in the restaurant business to a retail entrepreneur.

“I race quarter horses at California fairs,” he said. “Every time we needed something, like riding boots, nice hats, outfits for riding, or accessories, there were no places to shop around here.”

Two Amigos Western Wear has grown to a one stop shop with riding gear such as saddles, hats, boots, livestock feed, and horse care supplies. “It makes me happy when my customers walk in and say, ‘Look at how much inventory you have! This is a beautiful store’,” Adolfo said.

Opportunity Fund Keeps Two Amigos Western Wear in the Race

Adolfo started working with Opportunity Fund as his small business lender in August 2013. His first loan of $47,000 helped keep inventory fresh. Since then, Two Amigos Western Wear has become a 7-time repeat borrower with loans of $40,000 each time.

Opportunity Fund small business officer Shanna McClearn recently approved the latest loan for Two Amigos Western Wear in October 2017. The new loan is helping Two Amigos Western Wear purchase stock for the upcoming holiday shopping rush.

Adolfo Ortiz - Two Amigos Western Wear

Adolfo is able to keep his store stocked with the best inventory for his customers thanks to our small business loans (photo courtesy of Christian Peacock)

“Since working with Opportunity Fund, my cash flow has improved so much,” he said. “The loans give me the push to do more things with my business. The money is right there within 2 to 3 days.”

The success of his store allows Adolfo to reach out to his community and apply his expertise in horses and retail to help others. “People come to me when they need anything,” he said. “I help them fill out paperwork to buy horses, or provide items for giveaways and fundraisers. Anything they need, like hats or boots, I tell them to come in and pick it out.”

Two Amigos Western Wear has grown so much that Adolfo had to add more staff. He’s also looking to open a second location in the next year. We’ll be there to help with another round of fast, easy-to-get, and affordable funding.

We’re happy to help Adolfo get the working capital he needs to keep up in the race for success, and we’re pleased to see his business grow.

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.

Follow us on Facebook and Twitter

Sarah sets up business owners with employee perks packages. She needed working capital to help grow her business. Thanks to a small business loan from Opportunity Fund, Sarah can focus on her clients instead of worrying about her bottom line.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too.  Read about Sarah Garcia of Allegiance Employee Perks in San Diego. Sarah sets up business owners with employee perks packages. She needed working capital to help grow her business. Thanks to a small business loan from Opportunity Fund, Sarah can focus on her clients instead of worrying about her bottom line

Making Work Fun

Sarah Garcia established Allegiance Employee Perks in the Kearny Mesa area of San Diego in 2015. She got her start in corporate events coordination in after switching jobs as a dispatcher for a security company in the San Francisco Bay Area.

Allegiance Employee Perks specializes in offering employee discounts to business owners and scheduling employee appreciation days featuring local clients, including popular restaurants, sports teams, and golf courses. They also provide connections to these local clients as fundraisers for nonprofits like Susan G. Komen and the La Jolla VA Hospital.

Sarah had a vision for success in San Diego. She took advantage of a new opportunity when her company signed the Major League Baseball San Diego Padres as a client.

“I saw myself as a business owner,” she said. “Once we acquired the Padres as a client, I had the opportunity to open our office here.”

Sarah works with a small but mighty team of four women who coordinate the connections to sports teams and other hot tickets in the San Diego area. As Sarah grows her business, she needs access to working capital to retain her staff. Her natural networking ability led her to Opportunity Fund.

Starting a Lending Relationship

Sarah got a referral to Opportunity Fund after meeting with an advisor at the San Diego district office of the U.S. Small Business Association. She called loan consultant Byron Escobar, who helped close a $2,600 loan in February 2017 for Allegiance Employee Perks.

The working capital helped her incorporate the company and made it easy to start marketing and recruiting projects to grow her business.

“There were lots of high interest loans from other lenders available,” she said. “I wasn’t interested.”

Sarah and Byron - Allegiance Employee Perks

Sarah and Byron celebrate a successful loan deal (photo courtesy of Heimo Schmidt)

The connection to Opportunity Fund has allowed Sarah to build a long-term lending relationship that fits the needs of her business. “Without Opportunity Fund, I would have struggled a lot longer,” she said. “Before, I didn’t have access to many resources. Opportunity Fund is the right place to go.”

Sarah’s next goal is to sign more San Diego area clients and eventually expand to the Sacramento market. We’ll be there to help Sarah keep her entrepreneurial dreams alive and kicking with our easy-to-get, fast, and affordable small business loans.

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.

Visit us online at opportunityfundloan.org and follow us on Facebook and Twitter

Shannen needed to purchase better equipment to grow her business. Thanks to our partnership with Lending Club, we’re helping Shannen reach her goals with our small business loans.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too. Read about Shannen Enos of Enos CPR Services. Shannen needed to purchase better equipment to grow her business. Thanks to our partnership with Lending Club, we’re helping Shannen reach her goals with our small business loans.

A Hands-on Entrepreneur

Shannen Enos started her CPR and first aid training business, Enos CPR Services, in August 2007. As an independent contractor for the American Heart Association, Shannen uses her decades of experience as a registered nurse to teach an essential life saving skill.

Through Enos CPR, Shannen provides training for companies that ask their employees to become certified in CPR, first aid, and automated external defibrillator (AED) use. Her work has taken her to teach at workplaces all around the Bay Area plus six states outside of California.

Like many small business owners, Shannen does it all for her company. On top of running her training classes, she’s the one who balances the books, maintains schedules, and develops client relationships. She also works part time as an emergency room nurse at Kaiser Walnut Creek.

Shannen knows what she needs to keep her business running well, so when she reached out to lenders to find a small business loan, she was surprised to run into several obstacles to funding.

“I needed to upgrade my equipment to offer more in-depth classes,” Shannen said. “Every single place I turned to for lending shut the door on me. They didn’t see my business growth. I never pay my bills late. I represent myself well as a business owner and a person. It felt like those lenders weren’t giving me a chance to prove it.”

She almost gave up. Then she tried one more lender.

Growing a Healthy Business

Shannen came to Opportunity Fund through our partnership with Lending Club. Based on her previous experience in business lending, she came into the process feeling skeptical.

“I figured Opportunity Fund was another company that would shut the door on me,” she said. “Opportunity Fund got back to me the very next day, apologizing for my bad experiences and saying they wanted to help.”

We worked with Shannen to close a $15,000 loan in May 2016–the first ever loan in our Lending Club partnership!

Shannen Enos - Enos CPR Services

Shannen keeps her students engaged through hands-on instruction and real world life-saving lessons (photo courtesy of Christian Peacock)

“I never knew how difficult it would be to get funding,” Shannen said. “With Opportunity Fund. I didn’t feel pushed aside. We had conversations about me as a person and me as a business owner.”

Now that Shannen has the working capital she needs for her business, she can focus on helping others learn CPR and potentially save a life. She even taught a class for our staff at Opportunity Fund’s San Jose headquarters in November 2016.

We’re proud to support hardworking entrepreneurs who make a difference, and we’re happy to help Shannen grow her business.


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 California’s largest and fastest-growing nonprofit lender to small businesses. In fiscal year ’16, we made $60M in loans to help more than 2,200 small business owners invest in their businesses. Opportunity Fund invests in small business owners who do not have access to traditional financing. As a founding member and signatory to the Borrower’s Bill of Rights, we believe in the important role small businesses play in our community and the economy, and we aim to help owners financially succeed.

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