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.

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