12
Rocket City PerkVolume Issue 7 May29
A N e w s l e t t e r H i g h l i g h t i n g t h e Pe r k s F o r a n d B y S m a l l B u s i n e s s e s a n d S t a r t u p s i n T h e
R o c k e t C i t y a n d S u r r o u n d i n g A r e a
Table of Contents
Positive Motion and Art Acknowledgement 3Small Business News and Events 4Business Lead Focus 10Classifieds 12
Contact and Be A PartRocket City Perk is a newsletter to Connect Small Businesses Startups and those who want to support local Businesses in the Rocket City and surrounding Areas httpswwwfacebookcomrocketcityperk
Editor MT Bryan contact via Mtbryandesignsgmailcom Writers MT Bryan Contributing Artists Christina Wegmanhttpchristinawegmanblogspotcom201209pricing-and-commissionshtml
Jaeme CasewwwjaemeorgAdvertisers and Sponsors Alabama Revolving Loan Fund
Advertisering and Sponsoring
Classifieds $50blurp14 Page $3012 Page $5534 Page $80Full Page and Sponsor $1002
Rocket City Perk Issue 7 May 29
3
ldquoTake a moment and look around your own backyard You might find something hidden thats beyond your expectationsrdquo
Positive MotionA positive thought phrase or concept to help shape your approach
from day to day
The art on the cover is provided by Christina Wegman of Christina Wegman Fine Art Illustrating an iconic scene from This owner-run small business is one of the prized downtown shops that has grown out of the Clinton Row Project Characterized by its bright and cheerful interior and its equally cheery owner and art the gallery is open six days a week Focusing on prints and originals customers can also commission portraits of their pets family landscapes or even full murals Pricing can be found at the shop and at httpchristinawegmanblogspotcom201209pricing-and-commissionshtml With her work gracing the walls of not just galleries but local favorites like Sam and Gregrsquos her works ranging from abstracts with a modern tilt and portraits with a tra-ditional base and creative twists blend together our Rocket Cityrsquos mix of varying back-grounds While she may not have been native born having traveled not just across the country but also Canada and Europe she has been part of the art community here since 2007 After completing her degree in German at the Rocket Cityrsquos own Univer-sity of Alabama Huntsville she has become as much a native of the area through her depiction of the people places and views that are so unique to it
Small Business News and EventsSBNampE
A calendar and update about Special Events that went on and on the HorizonThis Past Month51-2 ndash WhistleStop BBQ Festival ndash Huntsville Depot ndash wwwwhistlestopweekendcom
51-828-Huntsville Open Tech Coffee-745am - 900amHudson Alpha
54-7 ndash AUVSI Unmanned Systems 2015 ndash Atlanta ndash wwwauvsiorg
55 ndash Cinco de Mayo
55 - Lunch and Learn Identifying and Avoiding Startup Pitfalls 12pm-1pm - Biztech
54-58 Alabama Small Business Week
56 - Free Coworking Wednesdays 900am- Biztech Whiteboard Wednesdays 100pm
57 - Weekly Empowering Veterans Steering Committees Meetings 900am -1030am - Biz-tech
57 - Lunch and Learn Leadership 12pm-1pm - Biztech
57 - HACK U Understanding Internet Protocols and Networking 500pm - Biztech
57 - Sip and Hatch 530pm - Space and Rocket Center Davidson Center
58 - Walk and Talk 130pm -200 pm - Biztech
510 ndash Motherrsquos Day
512 - Lunch and Learn Communication in Business 12pm-1pm - Biztech
514 - HACK U Learning Rails 500pm - Biztech
516 ndash Armed Forces Day
518 ndash 2015 AUSA Msl Golf Tourn ndash VHCC ndash details TBD ndash wwwausaredstoneorg
4
5
518 - HACK U Education vs Certification 500pm - Biztech
518-19 ndash 2015 AUSA Missile ReceptSymp ndash details TBD ndash wwwausaredstoneorg
519 - Lunch and Learn SEO and Responsive Web 12pm -1pm - Biztech
521 - 515515 Entreprenuerial Meetup - Biztech
525 ndash Memorial Day ndash Federal Holiday
525 - Sip+Hatch -530pm-900pm Space and Rocket Center Davidson Center
529 - The Power of Social Entrepreneurship 200pm-400pm-Hudson Alpha httpswwweventbritecomethe-power-ofsocial-entrepreneurship-tickets-17048095312
Coming this Month
63-4 ndash SCSSISSACyber HSV 7th SE Cyber Secty Summit ndash VBC-S ndash troyzeidmanimprim-is-inccom ndash wwwsecybersummitorg 64 ndash ADAA Lunch (1130-1300) ndash Jackson Ctr ndash BG Todorov MDA ndash jamesjenkins2ngccom
62 GSA Federal Acquisition Service - Chanda Tallman - 830am- Biztech
62 BZ Sensors- 830am - Biztech
62 CSSA430pm - Biztech
63 TRAINING FastTrac530pm - Biztech
63 - GSA Federal Acquisition Service - Chanda Tallman830am - Biztech
63 - Free Co-Working Wednesday-900am - Biztech
63 - White Board Wednesday100pm - Biztech
63 - Office Hours100pm - Biztech
64 HACK U Cross Platform Desktop Application-500pm - Biztech
65 - Joanne - Empowering Veterans Committee Meeting - 900am - Biztech
65 - WBCNA ndash Engage - 100pm - Biztech
66 ndash D-Day (1944)
66 ndash Vets wVettes Car Show (900am) ndash Milton Frank Stad ndash wwwvetswithvettesus
66 ndash AUSA+ BBQ wVets (1100-1300) ndash Tut Fann ndash pullomwillieaolcom 68- HACK U Understanding Internet Protocols and Networking - Biztech
69 - BZ Sensors - 830am - Biztech
69 - TRAINING FastTrac - 530pm - Biztech
610 - Free Co-Working Wednesday- 900am - Biztech
610 - White Board Wednesday - 100pm - Biztech
612 - Open Tech (HOT Coffee) ndash 730am-Hudson Alpha Auditorium
612 - WBCNA ndash Engage - 100pm - Biztech
612 - Walk and Talk - 130pm - Biztech
613 ndash AUSA Army Birthday Ball ndash VBC ndash details TBD
614 ndash Flag Day
615-21 ndash Paris Air Show ndash LeBourget ndash wwwparis-air-showcom
616 - BZ Sensors - 830am - Biztech
616 - TRAINING QuickBooks - Level 3 - 500pm- Biztech
616 - TRAINING FastTrac- 530pm - Biztech
6
7
617 - TRAINING Excel Class 2- 830am - Biztech
617 - Free Co-Working Wednesday- 900am - Biztech
617 - White Board Wednesday - 100pm - Biztech
617 - Office Hours- 100pm - Biztech
618 ndash MRC All-Hands (400pm) ndash Bldg 3494A Rm 144 ndash anwarulhaqctrmdamil
618 ndash HATS POY Bqt (600pm) ndash Westin ndash details TBD ndash leighchristianaetossystemscom
6 619 ndash Quad-A Golf Tourn (800pm) ndash Hampton Cove ndash wwwtvc-aaaacom
619 - WBCNA ndash Engage - 100pm - Biztech
620 ndash MOAA Summer Party (600pm-930pm) ndash The Summit ndash Carrie Hightower 882-3992 ndash S-15Jun
621 ndash Fatherrsquos Day
621 ndash SUMMER BEGINS
621-27 ndash Armed Forces Celebration Week ndash data tent details TBD
622 ndash Armed Forces Week Proclamation Signing
622 - Armed Forces Week Concert in the Park
622 - WBCNA - Society of 75- 1130am - Biztech
623-24 ndash Army Soldier Show ndash VBC
623 - BZ Sensors- 830am - Biztech
623 - TRAINING FastTrac - 530pm - Biztech
624 ndash Armed Forces Week Luncheon
624 - Free Co-Working Wednesday- 900am - Biztech
624 - White Board Wednesday-100pm - Biztech
625 - 515 Entrepreneur Meet Up - 500pm - Biztech
626-628 - HAMACON Huntsville And Madison Anime Convetion 1000am-500pm- VBC South Hall Register at httpswwweventbritecomehamacon-6-tickets-14444500891
626 - Open Tech (HOT Coffee) ndash 730am-Hudson Alpha
626 - WBCNA ndash Engage - 100pm - Biztech
626 - Walk and talk - 130pm- Biztech
630 - BZ Sensors - 830am - Biztech
8
Yoshida Thomas256-534-0075ythomasneighborhoodconceptsorg
Business Lead FocusAn Interview on a Company or Event thats helping to Shape the Small Business
Environment
Neighborhood Concepts (NCI) is a Huntsville-based non-profit with over 25 years of experience
strengthening communities through the development of affordable housing and the advance-
ment of economic opportunities
In 2008 representatives of the Food Bank of North Alabama asked NCI to provide real estate
development services related to the creation of the Pulaski Pike Market a workers-cooperative
grocery store to be located in a Huntsville food desert Because of the economic downturn
access to capital had tightened and NCI was not able to secure the necessary funds for the real
estate transaction
Because local and regional banks were not able to provide the necessary financing NCI explored
the possibility of obtaining a loan from a Community Development Financial Institution or
ldquoCDFIrdquo A CDFI is a Treasury designated private entity usually non-profit that provides access
to capital to consumers and small businesses particularly those that are underserved willing
to locate their business in underserved communities or able to provide services to this popula-
tion Although there were a few Alabama-based CDFIrsquos most were providing consumer banking
services rather than commercial lending to small businesses and entrepreneurs in the State of
Alabama and the Pulaski Pike Market was outside of the geographic footprint of non-Alabama
CDFIrsquos who did provide commercial lending
Neighborhood Concepts saw a gap in the market and an opportunity to provide commercial
banking services for community development activities In 2012 NCI formed the North Ala-
bama Revolving Loan Fund LLC (NARLF) to provide access to capital to small businesses with
an eye to becoming a certified Community Development Financial Institution or CDFI in the
future 10
11
The Food Bank of North Alabama provided a generous gift of $300000 to capitalize the Hiatt
Fund which is focused on providing access to capital to businesses that support a local food
economy or create jobs in North Alabama In 2013 the City of Huntsville provided an additional
$250000 to seed The Huntsville Fund which is focused on lending to local businesses within the
City limits Loans which range from $2500 to $50000 are available for start-up costs working
capital inventory and equipment purchase leasehold improvements and real estate transactions
NARLF was designed to address a need for capital that is currently being unmet by traditional
lending sources NARLF has more flexibility in its lending decisions allowing them to make
loans to start-up businesses or those looking for smaller amounts of capital that typically might
not be able to access conventional financing This flexibility coupled with sound business prac-
tices allows NARLF to honor the social investment goals of its funders while still being good
stewards of these investments
To date NARLF has made 12 loans totaling $215000 to small businesses in North Alabama
Loans range in size from $4000 to $50000 and include a local food producer who needed a line
of credit for working capital as well as equipment financing When NARLF made the loan in late
2012 the borrower was selling her product in local independent grocery stores Today she is
in conversation with Walmart and expects to be in all of their southeastern distribution centers
by summer 2015 Forty-eight percent of NARLFrsquos loans have been made to minorities 84 to
women-owned businesses 36 to veterans and 60 were made to business owners with person-
al income below $50000
ClassifiedsAt $50 a blurb Small Businesses and Startups can advertise their openings and needs to one another
12
Table of Contents
Positive Motion and Art Acknowledgement 3Small Business News and Events 4Business Lead Focus 10Classifieds 12
Contact and Be A PartRocket City Perk is a newsletter to Connect Small Businesses Startups and those who want to support local Businesses in the Rocket City and surrounding Areas httpswwwfacebookcomrocketcityperk
Editor MT Bryan contact via Mtbryandesignsgmailcom Writers MT Bryan Contributing Artists Christina Wegmanhttpchristinawegmanblogspotcom201209pricing-and-commissionshtml
Jaeme CasewwwjaemeorgAdvertisers and Sponsors Alabama Revolving Loan Fund
Advertisering and Sponsoring
Classifieds $50blurp14 Page $3012 Page $5534 Page $80Full Page and Sponsor $1002
Rocket City Perk Issue 7 May 29
3
ldquoTake a moment and look around your own backyard You might find something hidden thats beyond your expectationsrdquo
Positive MotionA positive thought phrase or concept to help shape your approach
from day to day
The art on the cover is provided by Christina Wegman of Christina Wegman Fine Art Illustrating an iconic scene from This owner-run small business is one of the prized downtown shops that has grown out of the Clinton Row Project Characterized by its bright and cheerful interior and its equally cheery owner and art the gallery is open six days a week Focusing on prints and originals customers can also commission portraits of their pets family landscapes or even full murals Pricing can be found at the shop and at httpchristinawegmanblogspotcom201209pricing-and-commissionshtml With her work gracing the walls of not just galleries but local favorites like Sam and Gregrsquos her works ranging from abstracts with a modern tilt and portraits with a tra-ditional base and creative twists blend together our Rocket Cityrsquos mix of varying back-grounds While she may not have been native born having traveled not just across the country but also Canada and Europe she has been part of the art community here since 2007 After completing her degree in German at the Rocket Cityrsquos own Univer-sity of Alabama Huntsville she has become as much a native of the area through her depiction of the people places and views that are so unique to it
Small Business News and EventsSBNampE
A calendar and update about Special Events that went on and on the HorizonThis Past Month51-2 ndash WhistleStop BBQ Festival ndash Huntsville Depot ndash wwwwhistlestopweekendcom
51-828-Huntsville Open Tech Coffee-745am - 900amHudson Alpha
54-7 ndash AUVSI Unmanned Systems 2015 ndash Atlanta ndash wwwauvsiorg
55 ndash Cinco de Mayo
55 - Lunch and Learn Identifying and Avoiding Startup Pitfalls 12pm-1pm - Biztech
54-58 Alabama Small Business Week
56 - Free Coworking Wednesdays 900am- Biztech Whiteboard Wednesdays 100pm
57 - Weekly Empowering Veterans Steering Committees Meetings 900am -1030am - Biz-tech
57 - Lunch and Learn Leadership 12pm-1pm - Biztech
57 - HACK U Understanding Internet Protocols and Networking 500pm - Biztech
57 - Sip and Hatch 530pm - Space and Rocket Center Davidson Center
58 - Walk and Talk 130pm -200 pm - Biztech
510 ndash Motherrsquos Day
512 - Lunch and Learn Communication in Business 12pm-1pm - Biztech
514 - HACK U Learning Rails 500pm - Biztech
516 ndash Armed Forces Day
518 ndash 2015 AUSA Msl Golf Tourn ndash VHCC ndash details TBD ndash wwwausaredstoneorg
4
5
518 - HACK U Education vs Certification 500pm - Biztech
518-19 ndash 2015 AUSA Missile ReceptSymp ndash details TBD ndash wwwausaredstoneorg
519 - Lunch and Learn SEO and Responsive Web 12pm -1pm - Biztech
521 - 515515 Entreprenuerial Meetup - Biztech
525 ndash Memorial Day ndash Federal Holiday
525 - Sip+Hatch -530pm-900pm Space and Rocket Center Davidson Center
529 - The Power of Social Entrepreneurship 200pm-400pm-Hudson Alpha httpswwweventbritecomethe-power-ofsocial-entrepreneurship-tickets-17048095312
Coming this Month
63-4 ndash SCSSISSACyber HSV 7th SE Cyber Secty Summit ndash VBC-S ndash troyzeidmanimprim-is-inccom ndash wwwsecybersummitorg 64 ndash ADAA Lunch (1130-1300) ndash Jackson Ctr ndash BG Todorov MDA ndash jamesjenkins2ngccom
62 GSA Federal Acquisition Service - Chanda Tallman - 830am- Biztech
62 BZ Sensors- 830am - Biztech
62 CSSA430pm - Biztech
63 TRAINING FastTrac530pm - Biztech
63 - GSA Federal Acquisition Service - Chanda Tallman830am - Biztech
63 - Free Co-Working Wednesday-900am - Biztech
63 - White Board Wednesday100pm - Biztech
63 - Office Hours100pm - Biztech
64 HACK U Cross Platform Desktop Application-500pm - Biztech
65 - Joanne - Empowering Veterans Committee Meeting - 900am - Biztech
65 - WBCNA ndash Engage - 100pm - Biztech
66 ndash D-Day (1944)
66 ndash Vets wVettes Car Show (900am) ndash Milton Frank Stad ndash wwwvetswithvettesus
66 ndash AUSA+ BBQ wVets (1100-1300) ndash Tut Fann ndash pullomwillieaolcom 68- HACK U Understanding Internet Protocols and Networking - Biztech
69 - BZ Sensors - 830am - Biztech
69 - TRAINING FastTrac - 530pm - Biztech
610 - Free Co-Working Wednesday- 900am - Biztech
610 - White Board Wednesday - 100pm - Biztech
612 - Open Tech (HOT Coffee) ndash 730am-Hudson Alpha Auditorium
612 - WBCNA ndash Engage - 100pm - Biztech
612 - Walk and Talk - 130pm - Biztech
613 ndash AUSA Army Birthday Ball ndash VBC ndash details TBD
614 ndash Flag Day
615-21 ndash Paris Air Show ndash LeBourget ndash wwwparis-air-showcom
616 - BZ Sensors - 830am - Biztech
616 - TRAINING QuickBooks - Level 3 - 500pm- Biztech
616 - TRAINING FastTrac- 530pm - Biztech
6
7
617 - TRAINING Excel Class 2- 830am - Biztech
617 - Free Co-Working Wednesday- 900am - Biztech
617 - White Board Wednesday - 100pm - Biztech
617 - Office Hours- 100pm - Biztech
618 ndash MRC All-Hands (400pm) ndash Bldg 3494A Rm 144 ndash anwarulhaqctrmdamil
618 ndash HATS POY Bqt (600pm) ndash Westin ndash details TBD ndash leighchristianaetossystemscom
6 619 ndash Quad-A Golf Tourn (800pm) ndash Hampton Cove ndash wwwtvc-aaaacom
619 - WBCNA ndash Engage - 100pm - Biztech
620 ndash MOAA Summer Party (600pm-930pm) ndash The Summit ndash Carrie Hightower 882-3992 ndash S-15Jun
621 ndash Fatherrsquos Day
621 ndash SUMMER BEGINS
621-27 ndash Armed Forces Celebration Week ndash data tent details TBD
622 ndash Armed Forces Week Proclamation Signing
622 - Armed Forces Week Concert in the Park
622 - WBCNA - Society of 75- 1130am - Biztech
623-24 ndash Army Soldier Show ndash VBC
623 - BZ Sensors- 830am - Biztech
623 - TRAINING FastTrac - 530pm - Biztech
624 ndash Armed Forces Week Luncheon
624 - Free Co-Working Wednesday- 900am - Biztech
624 - White Board Wednesday-100pm - Biztech
625 - 515 Entrepreneur Meet Up - 500pm - Biztech
626-628 - HAMACON Huntsville And Madison Anime Convetion 1000am-500pm- VBC South Hall Register at httpswwweventbritecomehamacon-6-tickets-14444500891
626 - Open Tech (HOT Coffee) ndash 730am-Hudson Alpha
626 - WBCNA ndash Engage - 100pm - Biztech
626 - Walk and talk - 130pm- Biztech
630 - BZ Sensors - 830am - Biztech
8
Yoshida Thomas256-534-0075ythomasneighborhoodconceptsorg
Business Lead FocusAn Interview on a Company or Event thats helping to Shape the Small Business
Environment
Neighborhood Concepts (NCI) is a Huntsville-based non-profit with over 25 years of experience
strengthening communities through the development of affordable housing and the advance-
ment of economic opportunities
In 2008 representatives of the Food Bank of North Alabama asked NCI to provide real estate
development services related to the creation of the Pulaski Pike Market a workers-cooperative
grocery store to be located in a Huntsville food desert Because of the economic downturn
access to capital had tightened and NCI was not able to secure the necessary funds for the real
estate transaction
Because local and regional banks were not able to provide the necessary financing NCI explored
the possibility of obtaining a loan from a Community Development Financial Institution or
ldquoCDFIrdquo A CDFI is a Treasury designated private entity usually non-profit that provides access
to capital to consumers and small businesses particularly those that are underserved willing
to locate their business in underserved communities or able to provide services to this popula-
tion Although there were a few Alabama-based CDFIrsquos most were providing consumer banking
services rather than commercial lending to small businesses and entrepreneurs in the State of
Alabama and the Pulaski Pike Market was outside of the geographic footprint of non-Alabama
CDFIrsquos who did provide commercial lending
Neighborhood Concepts saw a gap in the market and an opportunity to provide commercial
banking services for community development activities In 2012 NCI formed the North Ala-
bama Revolving Loan Fund LLC (NARLF) to provide access to capital to small businesses with
an eye to becoming a certified Community Development Financial Institution or CDFI in the
future 10
11
The Food Bank of North Alabama provided a generous gift of $300000 to capitalize the Hiatt
Fund which is focused on providing access to capital to businesses that support a local food
economy or create jobs in North Alabama In 2013 the City of Huntsville provided an additional
$250000 to seed The Huntsville Fund which is focused on lending to local businesses within the
City limits Loans which range from $2500 to $50000 are available for start-up costs working
capital inventory and equipment purchase leasehold improvements and real estate transactions
NARLF was designed to address a need for capital that is currently being unmet by traditional
lending sources NARLF has more flexibility in its lending decisions allowing them to make
loans to start-up businesses or those looking for smaller amounts of capital that typically might
not be able to access conventional financing This flexibility coupled with sound business prac-
tices allows NARLF to honor the social investment goals of its funders while still being good
stewards of these investments
To date NARLF has made 12 loans totaling $215000 to small businesses in North Alabama
Loans range in size from $4000 to $50000 and include a local food producer who needed a line
of credit for working capital as well as equipment financing When NARLF made the loan in late
2012 the borrower was selling her product in local independent grocery stores Today she is
in conversation with Walmart and expects to be in all of their southeastern distribution centers
by summer 2015 Forty-eight percent of NARLFrsquos loans have been made to minorities 84 to
women-owned businesses 36 to veterans and 60 were made to business owners with person-
al income below $50000
ClassifiedsAt $50 a blurb Small Businesses and Startups can advertise their openings and needs to one another
12
3
ldquoTake a moment and look around your own backyard You might find something hidden thats beyond your expectationsrdquo
Positive MotionA positive thought phrase or concept to help shape your approach
from day to day
The art on the cover is provided by Christina Wegman of Christina Wegman Fine Art Illustrating an iconic scene from This owner-run small business is one of the prized downtown shops that has grown out of the Clinton Row Project Characterized by its bright and cheerful interior and its equally cheery owner and art the gallery is open six days a week Focusing on prints and originals customers can also commission portraits of their pets family landscapes or even full murals Pricing can be found at the shop and at httpchristinawegmanblogspotcom201209pricing-and-commissionshtml With her work gracing the walls of not just galleries but local favorites like Sam and Gregrsquos her works ranging from abstracts with a modern tilt and portraits with a tra-ditional base and creative twists blend together our Rocket Cityrsquos mix of varying back-grounds While she may not have been native born having traveled not just across the country but also Canada and Europe she has been part of the art community here since 2007 After completing her degree in German at the Rocket Cityrsquos own Univer-sity of Alabama Huntsville she has become as much a native of the area through her depiction of the people places and views that are so unique to it
Small Business News and EventsSBNampE
A calendar and update about Special Events that went on and on the HorizonThis Past Month51-2 ndash WhistleStop BBQ Festival ndash Huntsville Depot ndash wwwwhistlestopweekendcom
51-828-Huntsville Open Tech Coffee-745am - 900amHudson Alpha
54-7 ndash AUVSI Unmanned Systems 2015 ndash Atlanta ndash wwwauvsiorg
55 ndash Cinco de Mayo
55 - Lunch and Learn Identifying and Avoiding Startup Pitfalls 12pm-1pm - Biztech
54-58 Alabama Small Business Week
56 - Free Coworking Wednesdays 900am- Biztech Whiteboard Wednesdays 100pm
57 - Weekly Empowering Veterans Steering Committees Meetings 900am -1030am - Biz-tech
57 - Lunch and Learn Leadership 12pm-1pm - Biztech
57 - HACK U Understanding Internet Protocols and Networking 500pm - Biztech
57 - Sip and Hatch 530pm - Space and Rocket Center Davidson Center
58 - Walk and Talk 130pm -200 pm - Biztech
510 ndash Motherrsquos Day
512 - Lunch and Learn Communication in Business 12pm-1pm - Biztech
514 - HACK U Learning Rails 500pm - Biztech
516 ndash Armed Forces Day
518 ndash 2015 AUSA Msl Golf Tourn ndash VHCC ndash details TBD ndash wwwausaredstoneorg
4
5
518 - HACK U Education vs Certification 500pm - Biztech
518-19 ndash 2015 AUSA Missile ReceptSymp ndash details TBD ndash wwwausaredstoneorg
519 - Lunch and Learn SEO and Responsive Web 12pm -1pm - Biztech
521 - 515515 Entreprenuerial Meetup - Biztech
525 ndash Memorial Day ndash Federal Holiday
525 - Sip+Hatch -530pm-900pm Space and Rocket Center Davidson Center
529 - The Power of Social Entrepreneurship 200pm-400pm-Hudson Alpha httpswwweventbritecomethe-power-ofsocial-entrepreneurship-tickets-17048095312
Coming this Month
63-4 ndash SCSSISSACyber HSV 7th SE Cyber Secty Summit ndash VBC-S ndash troyzeidmanimprim-is-inccom ndash wwwsecybersummitorg 64 ndash ADAA Lunch (1130-1300) ndash Jackson Ctr ndash BG Todorov MDA ndash jamesjenkins2ngccom
62 GSA Federal Acquisition Service - Chanda Tallman - 830am- Biztech
62 BZ Sensors- 830am - Biztech
62 CSSA430pm - Biztech
63 TRAINING FastTrac530pm - Biztech
63 - GSA Federal Acquisition Service - Chanda Tallman830am - Biztech
63 - Free Co-Working Wednesday-900am - Biztech
63 - White Board Wednesday100pm - Biztech
63 - Office Hours100pm - Biztech
64 HACK U Cross Platform Desktop Application-500pm - Biztech
65 - Joanne - Empowering Veterans Committee Meeting - 900am - Biztech
65 - WBCNA ndash Engage - 100pm - Biztech
66 ndash D-Day (1944)
66 ndash Vets wVettes Car Show (900am) ndash Milton Frank Stad ndash wwwvetswithvettesus
66 ndash AUSA+ BBQ wVets (1100-1300) ndash Tut Fann ndash pullomwillieaolcom 68- HACK U Understanding Internet Protocols and Networking - Biztech
69 - BZ Sensors - 830am - Biztech
69 - TRAINING FastTrac - 530pm - Biztech
610 - Free Co-Working Wednesday- 900am - Biztech
610 - White Board Wednesday - 100pm - Biztech
612 - Open Tech (HOT Coffee) ndash 730am-Hudson Alpha Auditorium
612 - WBCNA ndash Engage - 100pm - Biztech
612 - Walk and Talk - 130pm - Biztech
613 ndash AUSA Army Birthday Ball ndash VBC ndash details TBD
614 ndash Flag Day
615-21 ndash Paris Air Show ndash LeBourget ndash wwwparis-air-showcom
616 - BZ Sensors - 830am - Biztech
616 - TRAINING QuickBooks - Level 3 - 500pm- Biztech
616 - TRAINING FastTrac- 530pm - Biztech
6
7
617 - TRAINING Excel Class 2- 830am - Biztech
617 - Free Co-Working Wednesday- 900am - Biztech
617 - White Board Wednesday - 100pm - Biztech
617 - Office Hours- 100pm - Biztech
618 ndash MRC All-Hands (400pm) ndash Bldg 3494A Rm 144 ndash anwarulhaqctrmdamil
618 ndash HATS POY Bqt (600pm) ndash Westin ndash details TBD ndash leighchristianaetossystemscom
6 619 ndash Quad-A Golf Tourn (800pm) ndash Hampton Cove ndash wwwtvc-aaaacom
619 - WBCNA ndash Engage - 100pm - Biztech
620 ndash MOAA Summer Party (600pm-930pm) ndash The Summit ndash Carrie Hightower 882-3992 ndash S-15Jun
621 ndash Fatherrsquos Day
621 ndash SUMMER BEGINS
621-27 ndash Armed Forces Celebration Week ndash data tent details TBD
622 ndash Armed Forces Week Proclamation Signing
622 - Armed Forces Week Concert in the Park
622 - WBCNA - Society of 75- 1130am - Biztech
623-24 ndash Army Soldier Show ndash VBC
623 - BZ Sensors- 830am - Biztech
623 - TRAINING FastTrac - 530pm - Biztech
624 ndash Armed Forces Week Luncheon
624 - Free Co-Working Wednesday- 900am - Biztech
624 - White Board Wednesday-100pm - Biztech
625 - 515 Entrepreneur Meet Up - 500pm - Biztech
626-628 - HAMACON Huntsville And Madison Anime Convetion 1000am-500pm- VBC South Hall Register at httpswwweventbritecomehamacon-6-tickets-14444500891
626 - Open Tech (HOT Coffee) ndash 730am-Hudson Alpha
626 - WBCNA ndash Engage - 100pm - Biztech
626 - Walk and talk - 130pm- Biztech
630 - BZ Sensors - 830am - Biztech
8
Yoshida Thomas256-534-0075ythomasneighborhoodconceptsorg
Business Lead FocusAn Interview on a Company or Event thats helping to Shape the Small Business
Environment
Neighborhood Concepts (NCI) is a Huntsville-based non-profit with over 25 years of experience
strengthening communities through the development of affordable housing and the advance-
ment of economic opportunities
In 2008 representatives of the Food Bank of North Alabama asked NCI to provide real estate
development services related to the creation of the Pulaski Pike Market a workers-cooperative
grocery store to be located in a Huntsville food desert Because of the economic downturn
access to capital had tightened and NCI was not able to secure the necessary funds for the real
estate transaction
Because local and regional banks were not able to provide the necessary financing NCI explored
the possibility of obtaining a loan from a Community Development Financial Institution or
ldquoCDFIrdquo A CDFI is a Treasury designated private entity usually non-profit that provides access
to capital to consumers and small businesses particularly those that are underserved willing
to locate their business in underserved communities or able to provide services to this popula-
tion Although there were a few Alabama-based CDFIrsquos most were providing consumer banking
services rather than commercial lending to small businesses and entrepreneurs in the State of
Alabama and the Pulaski Pike Market was outside of the geographic footprint of non-Alabama
CDFIrsquos who did provide commercial lending
Neighborhood Concepts saw a gap in the market and an opportunity to provide commercial
banking services for community development activities In 2012 NCI formed the North Ala-
bama Revolving Loan Fund LLC (NARLF) to provide access to capital to small businesses with
an eye to becoming a certified Community Development Financial Institution or CDFI in the
future 10
11
The Food Bank of North Alabama provided a generous gift of $300000 to capitalize the Hiatt
Fund which is focused on providing access to capital to businesses that support a local food
economy or create jobs in North Alabama In 2013 the City of Huntsville provided an additional
$250000 to seed The Huntsville Fund which is focused on lending to local businesses within the
City limits Loans which range from $2500 to $50000 are available for start-up costs working
capital inventory and equipment purchase leasehold improvements and real estate transactions
NARLF was designed to address a need for capital that is currently being unmet by traditional
lending sources NARLF has more flexibility in its lending decisions allowing them to make
loans to start-up businesses or those looking for smaller amounts of capital that typically might
not be able to access conventional financing This flexibility coupled with sound business prac-
tices allows NARLF to honor the social investment goals of its funders while still being good
stewards of these investments
To date NARLF has made 12 loans totaling $215000 to small businesses in North Alabama
Loans range in size from $4000 to $50000 and include a local food producer who needed a line
of credit for working capital as well as equipment financing When NARLF made the loan in late
2012 the borrower was selling her product in local independent grocery stores Today she is
in conversation with Walmart and expects to be in all of their southeastern distribution centers
by summer 2015 Forty-eight percent of NARLFrsquos loans have been made to minorities 84 to
women-owned businesses 36 to veterans and 60 were made to business owners with person-
al income below $50000
ClassifiedsAt $50 a blurb Small Businesses and Startups can advertise their openings and needs to one another
12
Small Business News and EventsSBNampE
A calendar and update about Special Events that went on and on the HorizonThis Past Month51-2 ndash WhistleStop BBQ Festival ndash Huntsville Depot ndash wwwwhistlestopweekendcom
51-828-Huntsville Open Tech Coffee-745am - 900amHudson Alpha
54-7 ndash AUVSI Unmanned Systems 2015 ndash Atlanta ndash wwwauvsiorg
55 ndash Cinco de Mayo
55 - Lunch and Learn Identifying and Avoiding Startup Pitfalls 12pm-1pm - Biztech
54-58 Alabama Small Business Week
56 - Free Coworking Wednesdays 900am- Biztech Whiteboard Wednesdays 100pm
57 - Weekly Empowering Veterans Steering Committees Meetings 900am -1030am - Biz-tech
57 - Lunch and Learn Leadership 12pm-1pm - Biztech
57 - HACK U Understanding Internet Protocols and Networking 500pm - Biztech
57 - Sip and Hatch 530pm - Space and Rocket Center Davidson Center
58 - Walk and Talk 130pm -200 pm - Biztech
510 ndash Motherrsquos Day
512 - Lunch and Learn Communication in Business 12pm-1pm - Biztech
514 - HACK U Learning Rails 500pm - Biztech
516 ndash Armed Forces Day
518 ndash 2015 AUSA Msl Golf Tourn ndash VHCC ndash details TBD ndash wwwausaredstoneorg
4
5
518 - HACK U Education vs Certification 500pm - Biztech
518-19 ndash 2015 AUSA Missile ReceptSymp ndash details TBD ndash wwwausaredstoneorg
519 - Lunch and Learn SEO and Responsive Web 12pm -1pm - Biztech
521 - 515515 Entreprenuerial Meetup - Biztech
525 ndash Memorial Day ndash Federal Holiday
525 - Sip+Hatch -530pm-900pm Space and Rocket Center Davidson Center
529 - The Power of Social Entrepreneurship 200pm-400pm-Hudson Alpha httpswwweventbritecomethe-power-ofsocial-entrepreneurship-tickets-17048095312
Coming this Month
63-4 ndash SCSSISSACyber HSV 7th SE Cyber Secty Summit ndash VBC-S ndash troyzeidmanimprim-is-inccom ndash wwwsecybersummitorg 64 ndash ADAA Lunch (1130-1300) ndash Jackson Ctr ndash BG Todorov MDA ndash jamesjenkins2ngccom
62 GSA Federal Acquisition Service - Chanda Tallman - 830am- Biztech
62 BZ Sensors- 830am - Biztech
62 CSSA430pm - Biztech
63 TRAINING FastTrac530pm - Biztech
63 - GSA Federal Acquisition Service - Chanda Tallman830am - Biztech
63 - Free Co-Working Wednesday-900am - Biztech
63 - White Board Wednesday100pm - Biztech
63 - Office Hours100pm - Biztech
64 HACK U Cross Platform Desktop Application-500pm - Biztech
65 - Joanne - Empowering Veterans Committee Meeting - 900am - Biztech
65 - WBCNA ndash Engage - 100pm - Biztech
66 ndash D-Day (1944)
66 ndash Vets wVettes Car Show (900am) ndash Milton Frank Stad ndash wwwvetswithvettesus
66 ndash AUSA+ BBQ wVets (1100-1300) ndash Tut Fann ndash pullomwillieaolcom 68- HACK U Understanding Internet Protocols and Networking - Biztech
69 - BZ Sensors - 830am - Biztech
69 - TRAINING FastTrac - 530pm - Biztech
610 - Free Co-Working Wednesday- 900am - Biztech
610 - White Board Wednesday - 100pm - Biztech
612 - Open Tech (HOT Coffee) ndash 730am-Hudson Alpha Auditorium
612 - WBCNA ndash Engage - 100pm - Biztech
612 - Walk and Talk - 130pm - Biztech
613 ndash AUSA Army Birthday Ball ndash VBC ndash details TBD
614 ndash Flag Day
615-21 ndash Paris Air Show ndash LeBourget ndash wwwparis-air-showcom
616 - BZ Sensors - 830am - Biztech
616 - TRAINING QuickBooks - Level 3 - 500pm- Biztech
616 - TRAINING FastTrac- 530pm - Biztech
6
7
617 - TRAINING Excel Class 2- 830am - Biztech
617 - Free Co-Working Wednesday- 900am - Biztech
617 - White Board Wednesday - 100pm - Biztech
617 - Office Hours- 100pm - Biztech
618 ndash MRC All-Hands (400pm) ndash Bldg 3494A Rm 144 ndash anwarulhaqctrmdamil
618 ndash HATS POY Bqt (600pm) ndash Westin ndash details TBD ndash leighchristianaetossystemscom
6 619 ndash Quad-A Golf Tourn (800pm) ndash Hampton Cove ndash wwwtvc-aaaacom
619 - WBCNA ndash Engage - 100pm - Biztech
620 ndash MOAA Summer Party (600pm-930pm) ndash The Summit ndash Carrie Hightower 882-3992 ndash S-15Jun
621 ndash Fatherrsquos Day
621 ndash SUMMER BEGINS
621-27 ndash Armed Forces Celebration Week ndash data tent details TBD
622 ndash Armed Forces Week Proclamation Signing
622 - Armed Forces Week Concert in the Park
622 - WBCNA - Society of 75- 1130am - Biztech
623-24 ndash Army Soldier Show ndash VBC
623 - BZ Sensors- 830am - Biztech
623 - TRAINING FastTrac - 530pm - Biztech
624 ndash Armed Forces Week Luncheon
624 - Free Co-Working Wednesday- 900am - Biztech
624 - White Board Wednesday-100pm - Biztech
625 - 515 Entrepreneur Meet Up - 500pm - Biztech
626-628 - HAMACON Huntsville And Madison Anime Convetion 1000am-500pm- VBC South Hall Register at httpswwweventbritecomehamacon-6-tickets-14444500891
626 - Open Tech (HOT Coffee) ndash 730am-Hudson Alpha
626 - WBCNA ndash Engage - 100pm - Biztech
626 - Walk and talk - 130pm- Biztech
630 - BZ Sensors - 830am - Biztech
8
Yoshida Thomas256-534-0075ythomasneighborhoodconceptsorg
Business Lead FocusAn Interview on a Company or Event thats helping to Shape the Small Business
Environment
Neighborhood Concepts (NCI) is a Huntsville-based non-profit with over 25 years of experience
strengthening communities through the development of affordable housing and the advance-
ment of economic opportunities
In 2008 representatives of the Food Bank of North Alabama asked NCI to provide real estate
development services related to the creation of the Pulaski Pike Market a workers-cooperative
grocery store to be located in a Huntsville food desert Because of the economic downturn
access to capital had tightened and NCI was not able to secure the necessary funds for the real
estate transaction
Because local and regional banks were not able to provide the necessary financing NCI explored
the possibility of obtaining a loan from a Community Development Financial Institution or
ldquoCDFIrdquo A CDFI is a Treasury designated private entity usually non-profit that provides access
to capital to consumers and small businesses particularly those that are underserved willing
to locate their business in underserved communities or able to provide services to this popula-
tion Although there were a few Alabama-based CDFIrsquos most were providing consumer banking
services rather than commercial lending to small businesses and entrepreneurs in the State of
Alabama and the Pulaski Pike Market was outside of the geographic footprint of non-Alabama
CDFIrsquos who did provide commercial lending
Neighborhood Concepts saw a gap in the market and an opportunity to provide commercial
banking services for community development activities In 2012 NCI formed the North Ala-
bama Revolving Loan Fund LLC (NARLF) to provide access to capital to small businesses with
an eye to becoming a certified Community Development Financial Institution or CDFI in the
future 10
11
The Food Bank of North Alabama provided a generous gift of $300000 to capitalize the Hiatt
Fund which is focused on providing access to capital to businesses that support a local food
economy or create jobs in North Alabama In 2013 the City of Huntsville provided an additional
$250000 to seed The Huntsville Fund which is focused on lending to local businesses within the
City limits Loans which range from $2500 to $50000 are available for start-up costs working
capital inventory and equipment purchase leasehold improvements and real estate transactions
NARLF was designed to address a need for capital that is currently being unmet by traditional
lending sources NARLF has more flexibility in its lending decisions allowing them to make
loans to start-up businesses or those looking for smaller amounts of capital that typically might
not be able to access conventional financing This flexibility coupled with sound business prac-
tices allows NARLF to honor the social investment goals of its funders while still being good
stewards of these investments
To date NARLF has made 12 loans totaling $215000 to small businesses in North Alabama
Loans range in size from $4000 to $50000 and include a local food producer who needed a line
of credit for working capital as well as equipment financing When NARLF made the loan in late
2012 the borrower was selling her product in local independent grocery stores Today she is
in conversation with Walmart and expects to be in all of their southeastern distribution centers
by summer 2015 Forty-eight percent of NARLFrsquos loans have been made to minorities 84 to
women-owned businesses 36 to veterans and 60 were made to business owners with person-
al income below $50000
ClassifiedsAt $50 a blurb Small Businesses and Startups can advertise their openings and needs to one another
12
5
518 - HACK U Education vs Certification 500pm - Biztech
518-19 ndash 2015 AUSA Missile ReceptSymp ndash details TBD ndash wwwausaredstoneorg
519 - Lunch and Learn SEO and Responsive Web 12pm -1pm - Biztech
521 - 515515 Entreprenuerial Meetup - Biztech
525 ndash Memorial Day ndash Federal Holiday
525 - Sip+Hatch -530pm-900pm Space and Rocket Center Davidson Center
529 - The Power of Social Entrepreneurship 200pm-400pm-Hudson Alpha httpswwweventbritecomethe-power-ofsocial-entrepreneurship-tickets-17048095312
Coming this Month
63-4 ndash SCSSISSACyber HSV 7th SE Cyber Secty Summit ndash VBC-S ndash troyzeidmanimprim-is-inccom ndash wwwsecybersummitorg 64 ndash ADAA Lunch (1130-1300) ndash Jackson Ctr ndash BG Todorov MDA ndash jamesjenkins2ngccom
62 GSA Federal Acquisition Service - Chanda Tallman - 830am- Biztech
62 BZ Sensors- 830am - Biztech
62 CSSA430pm - Biztech
63 TRAINING FastTrac530pm - Biztech
63 - GSA Federal Acquisition Service - Chanda Tallman830am - Biztech
63 - Free Co-Working Wednesday-900am - Biztech
63 - White Board Wednesday100pm - Biztech
63 - Office Hours100pm - Biztech
64 HACK U Cross Platform Desktop Application-500pm - Biztech
65 - Joanne - Empowering Veterans Committee Meeting - 900am - Biztech
65 - WBCNA ndash Engage - 100pm - Biztech
66 ndash D-Day (1944)
66 ndash Vets wVettes Car Show (900am) ndash Milton Frank Stad ndash wwwvetswithvettesus
66 ndash AUSA+ BBQ wVets (1100-1300) ndash Tut Fann ndash pullomwillieaolcom 68- HACK U Understanding Internet Protocols and Networking - Biztech
69 - BZ Sensors - 830am - Biztech
69 - TRAINING FastTrac - 530pm - Biztech
610 - Free Co-Working Wednesday- 900am - Biztech
610 - White Board Wednesday - 100pm - Biztech
612 - Open Tech (HOT Coffee) ndash 730am-Hudson Alpha Auditorium
612 - WBCNA ndash Engage - 100pm - Biztech
612 - Walk and Talk - 130pm - Biztech
613 ndash AUSA Army Birthday Ball ndash VBC ndash details TBD
614 ndash Flag Day
615-21 ndash Paris Air Show ndash LeBourget ndash wwwparis-air-showcom
616 - BZ Sensors - 830am - Biztech
616 - TRAINING QuickBooks - Level 3 - 500pm- Biztech
616 - TRAINING FastTrac- 530pm - Biztech
6
7
617 - TRAINING Excel Class 2- 830am - Biztech
617 - Free Co-Working Wednesday- 900am - Biztech
617 - White Board Wednesday - 100pm - Biztech
617 - Office Hours- 100pm - Biztech
618 ndash MRC All-Hands (400pm) ndash Bldg 3494A Rm 144 ndash anwarulhaqctrmdamil
618 ndash HATS POY Bqt (600pm) ndash Westin ndash details TBD ndash leighchristianaetossystemscom
6 619 ndash Quad-A Golf Tourn (800pm) ndash Hampton Cove ndash wwwtvc-aaaacom
619 - WBCNA ndash Engage - 100pm - Biztech
620 ndash MOAA Summer Party (600pm-930pm) ndash The Summit ndash Carrie Hightower 882-3992 ndash S-15Jun
621 ndash Fatherrsquos Day
621 ndash SUMMER BEGINS
621-27 ndash Armed Forces Celebration Week ndash data tent details TBD
622 ndash Armed Forces Week Proclamation Signing
622 - Armed Forces Week Concert in the Park
622 - WBCNA - Society of 75- 1130am - Biztech
623-24 ndash Army Soldier Show ndash VBC
623 - BZ Sensors- 830am - Biztech
623 - TRAINING FastTrac - 530pm - Biztech
624 ndash Armed Forces Week Luncheon
624 - Free Co-Working Wednesday- 900am - Biztech
624 - White Board Wednesday-100pm - Biztech
625 - 515 Entrepreneur Meet Up - 500pm - Biztech
626-628 - HAMACON Huntsville And Madison Anime Convetion 1000am-500pm- VBC South Hall Register at httpswwweventbritecomehamacon-6-tickets-14444500891
626 - Open Tech (HOT Coffee) ndash 730am-Hudson Alpha
626 - WBCNA ndash Engage - 100pm - Biztech
626 - Walk and talk - 130pm- Biztech
630 - BZ Sensors - 830am - Biztech
8
Yoshida Thomas256-534-0075ythomasneighborhoodconceptsorg
Business Lead FocusAn Interview on a Company or Event thats helping to Shape the Small Business
Environment
Neighborhood Concepts (NCI) is a Huntsville-based non-profit with over 25 years of experience
strengthening communities through the development of affordable housing and the advance-
ment of economic opportunities
In 2008 representatives of the Food Bank of North Alabama asked NCI to provide real estate
development services related to the creation of the Pulaski Pike Market a workers-cooperative
grocery store to be located in a Huntsville food desert Because of the economic downturn
access to capital had tightened and NCI was not able to secure the necessary funds for the real
estate transaction
Because local and regional banks were not able to provide the necessary financing NCI explored
the possibility of obtaining a loan from a Community Development Financial Institution or
ldquoCDFIrdquo A CDFI is a Treasury designated private entity usually non-profit that provides access
to capital to consumers and small businesses particularly those that are underserved willing
to locate their business in underserved communities or able to provide services to this popula-
tion Although there were a few Alabama-based CDFIrsquos most were providing consumer banking
services rather than commercial lending to small businesses and entrepreneurs in the State of
Alabama and the Pulaski Pike Market was outside of the geographic footprint of non-Alabama
CDFIrsquos who did provide commercial lending
Neighborhood Concepts saw a gap in the market and an opportunity to provide commercial
banking services for community development activities In 2012 NCI formed the North Ala-
bama Revolving Loan Fund LLC (NARLF) to provide access to capital to small businesses with
an eye to becoming a certified Community Development Financial Institution or CDFI in the
future 10
11
The Food Bank of North Alabama provided a generous gift of $300000 to capitalize the Hiatt
Fund which is focused on providing access to capital to businesses that support a local food
economy or create jobs in North Alabama In 2013 the City of Huntsville provided an additional
$250000 to seed The Huntsville Fund which is focused on lending to local businesses within the
City limits Loans which range from $2500 to $50000 are available for start-up costs working
capital inventory and equipment purchase leasehold improvements and real estate transactions
NARLF was designed to address a need for capital that is currently being unmet by traditional
lending sources NARLF has more flexibility in its lending decisions allowing them to make
loans to start-up businesses or those looking for smaller amounts of capital that typically might
not be able to access conventional financing This flexibility coupled with sound business prac-
tices allows NARLF to honor the social investment goals of its funders while still being good
stewards of these investments
To date NARLF has made 12 loans totaling $215000 to small businesses in North Alabama
Loans range in size from $4000 to $50000 and include a local food producer who needed a line
of credit for working capital as well as equipment financing When NARLF made the loan in late
2012 the borrower was selling her product in local independent grocery stores Today she is
in conversation with Walmart and expects to be in all of their southeastern distribution centers
by summer 2015 Forty-eight percent of NARLFrsquos loans have been made to minorities 84 to
women-owned businesses 36 to veterans and 60 were made to business owners with person-
al income below $50000
ClassifiedsAt $50 a blurb Small Businesses and Startups can advertise their openings and needs to one another
12
65 - Joanne - Empowering Veterans Committee Meeting - 900am - Biztech
65 - WBCNA ndash Engage - 100pm - Biztech
66 ndash D-Day (1944)
66 ndash Vets wVettes Car Show (900am) ndash Milton Frank Stad ndash wwwvetswithvettesus
66 ndash AUSA+ BBQ wVets (1100-1300) ndash Tut Fann ndash pullomwillieaolcom 68- HACK U Understanding Internet Protocols and Networking - Biztech
69 - BZ Sensors - 830am - Biztech
69 - TRAINING FastTrac - 530pm - Biztech
610 - Free Co-Working Wednesday- 900am - Biztech
610 - White Board Wednesday - 100pm - Biztech
612 - Open Tech (HOT Coffee) ndash 730am-Hudson Alpha Auditorium
612 - WBCNA ndash Engage - 100pm - Biztech
612 - Walk and Talk - 130pm - Biztech
613 ndash AUSA Army Birthday Ball ndash VBC ndash details TBD
614 ndash Flag Day
615-21 ndash Paris Air Show ndash LeBourget ndash wwwparis-air-showcom
616 - BZ Sensors - 830am - Biztech
616 - TRAINING QuickBooks - Level 3 - 500pm- Biztech
616 - TRAINING FastTrac- 530pm - Biztech
6
7
617 - TRAINING Excel Class 2- 830am - Biztech
617 - Free Co-Working Wednesday- 900am - Biztech
617 - White Board Wednesday - 100pm - Biztech
617 - Office Hours- 100pm - Biztech
618 ndash MRC All-Hands (400pm) ndash Bldg 3494A Rm 144 ndash anwarulhaqctrmdamil
618 ndash HATS POY Bqt (600pm) ndash Westin ndash details TBD ndash leighchristianaetossystemscom
6 619 ndash Quad-A Golf Tourn (800pm) ndash Hampton Cove ndash wwwtvc-aaaacom
619 - WBCNA ndash Engage - 100pm - Biztech
620 ndash MOAA Summer Party (600pm-930pm) ndash The Summit ndash Carrie Hightower 882-3992 ndash S-15Jun
621 ndash Fatherrsquos Day
621 ndash SUMMER BEGINS
621-27 ndash Armed Forces Celebration Week ndash data tent details TBD
622 ndash Armed Forces Week Proclamation Signing
622 - Armed Forces Week Concert in the Park
622 - WBCNA - Society of 75- 1130am - Biztech
623-24 ndash Army Soldier Show ndash VBC
623 - BZ Sensors- 830am - Biztech
623 - TRAINING FastTrac - 530pm - Biztech
624 ndash Armed Forces Week Luncheon
624 - Free Co-Working Wednesday- 900am - Biztech
624 - White Board Wednesday-100pm - Biztech
625 - 515 Entrepreneur Meet Up - 500pm - Biztech
626-628 - HAMACON Huntsville And Madison Anime Convetion 1000am-500pm- VBC South Hall Register at httpswwweventbritecomehamacon-6-tickets-14444500891
626 - Open Tech (HOT Coffee) ndash 730am-Hudson Alpha
626 - WBCNA ndash Engage - 100pm - Biztech
626 - Walk and talk - 130pm- Biztech
630 - BZ Sensors - 830am - Biztech
8
Yoshida Thomas256-534-0075ythomasneighborhoodconceptsorg
Business Lead FocusAn Interview on a Company or Event thats helping to Shape the Small Business
Environment
Neighborhood Concepts (NCI) is a Huntsville-based non-profit with over 25 years of experience
strengthening communities through the development of affordable housing and the advance-
ment of economic opportunities
In 2008 representatives of the Food Bank of North Alabama asked NCI to provide real estate
development services related to the creation of the Pulaski Pike Market a workers-cooperative
grocery store to be located in a Huntsville food desert Because of the economic downturn
access to capital had tightened and NCI was not able to secure the necessary funds for the real
estate transaction
Because local and regional banks were not able to provide the necessary financing NCI explored
the possibility of obtaining a loan from a Community Development Financial Institution or
ldquoCDFIrdquo A CDFI is a Treasury designated private entity usually non-profit that provides access
to capital to consumers and small businesses particularly those that are underserved willing
to locate their business in underserved communities or able to provide services to this popula-
tion Although there were a few Alabama-based CDFIrsquos most were providing consumer banking
services rather than commercial lending to small businesses and entrepreneurs in the State of
Alabama and the Pulaski Pike Market was outside of the geographic footprint of non-Alabama
CDFIrsquos who did provide commercial lending
Neighborhood Concepts saw a gap in the market and an opportunity to provide commercial
banking services for community development activities In 2012 NCI formed the North Ala-
bama Revolving Loan Fund LLC (NARLF) to provide access to capital to small businesses with
an eye to becoming a certified Community Development Financial Institution or CDFI in the
future 10
11
The Food Bank of North Alabama provided a generous gift of $300000 to capitalize the Hiatt
Fund which is focused on providing access to capital to businesses that support a local food
economy or create jobs in North Alabama In 2013 the City of Huntsville provided an additional
$250000 to seed The Huntsville Fund which is focused on lending to local businesses within the
City limits Loans which range from $2500 to $50000 are available for start-up costs working
capital inventory and equipment purchase leasehold improvements and real estate transactions
NARLF was designed to address a need for capital that is currently being unmet by traditional
lending sources NARLF has more flexibility in its lending decisions allowing them to make
loans to start-up businesses or those looking for smaller amounts of capital that typically might
not be able to access conventional financing This flexibility coupled with sound business prac-
tices allows NARLF to honor the social investment goals of its funders while still being good
stewards of these investments
To date NARLF has made 12 loans totaling $215000 to small businesses in North Alabama
Loans range in size from $4000 to $50000 and include a local food producer who needed a line
of credit for working capital as well as equipment financing When NARLF made the loan in late
2012 the borrower was selling her product in local independent grocery stores Today she is
in conversation with Walmart and expects to be in all of their southeastern distribution centers
by summer 2015 Forty-eight percent of NARLFrsquos loans have been made to minorities 84 to
women-owned businesses 36 to veterans and 60 were made to business owners with person-
al income below $50000
ClassifiedsAt $50 a blurb Small Businesses and Startups can advertise their openings and needs to one another
12
7
617 - TRAINING Excel Class 2- 830am - Biztech
617 - Free Co-Working Wednesday- 900am - Biztech
617 - White Board Wednesday - 100pm - Biztech
617 - Office Hours- 100pm - Biztech
618 ndash MRC All-Hands (400pm) ndash Bldg 3494A Rm 144 ndash anwarulhaqctrmdamil
618 ndash HATS POY Bqt (600pm) ndash Westin ndash details TBD ndash leighchristianaetossystemscom
6 619 ndash Quad-A Golf Tourn (800pm) ndash Hampton Cove ndash wwwtvc-aaaacom
619 - WBCNA ndash Engage - 100pm - Biztech
620 ndash MOAA Summer Party (600pm-930pm) ndash The Summit ndash Carrie Hightower 882-3992 ndash S-15Jun
621 ndash Fatherrsquos Day
621 ndash SUMMER BEGINS
621-27 ndash Armed Forces Celebration Week ndash data tent details TBD
622 ndash Armed Forces Week Proclamation Signing
622 - Armed Forces Week Concert in the Park
622 - WBCNA - Society of 75- 1130am - Biztech
623-24 ndash Army Soldier Show ndash VBC
623 - BZ Sensors- 830am - Biztech
623 - TRAINING FastTrac - 530pm - Biztech
624 ndash Armed Forces Week Luncheon
624 - Free Co-Working Wednesday- 900am - Biztech
624 - White Board Wednesday-100pm - Biztech
625 - 515 Entrepreneur Meet Up - 500pm - Biztech
626-628 - HAMACON Huntsville And Madison Anime Convetion 1000am-500pm- VBC South Hall Register at httpswwweventbritecomehamacon-6-tickets-14444500891
626 - Open Tech (HOT Coffee) ndash 730am-Hudson Alpha
626 - WBCNA ndash Engage - 100pm - Biztech
626 - Walk and talk - 130pm- Biztech
630 - BZ Sensors - 830am - Biztech
8
Yoshida Thomas256-534-0075ythomasneighborhoodconceptsorg
Business Lead FocusAn Interview on a Company or Event thats helping to Shape the Small Business
Environment
Neighborhood Concepts (NCI) is a Huntsville-based non-profit with over 25 years of experience
strengthening communities through the development of affordable housing and the advance-
ment of economic opportunities
In 2008 representatives of the Food Bank of North Alabama asked NCI to provide real estate
development services related to the creation of the Pulaski Pike Market a workers-cooperative
grocery store to be located in a Huntsville food desert Because of the economic downturn
access to capital had tightened and NCI was not able to secure the necessary funds for the real
estate transaction
Because local and regional banks were not able to provide the necessary financing NCI explored
the possibility of obtaining a loan from a Community Development Financial Institution or
ldquoCDFIrdquo A CDFI is a Treasury designated private entity usually non-profit that provides access
to capital to consumers and small businesses particularly those that are underserved willing
to locate their business in underserved communities or able to provide services to this popula-
tion Although there were a few Alabama-based CDFIrsquos most were providing consumer banking
services rather than commercial lending to small businesses and entrepreneurs in the State of
Alabama and the Pulaski Pike Market was outside of the geographic footprint of non-Alabama
CDFIrsquos who did provide commercial lending
Neighborhood Concepts saw a gap in the market and an opportunity to provide commercial
banking services for community development activities In 2012 NCI formed the North Ala-
bama Revolving Loan Fund LLC (NARLF) to provide access to capital to small businesses with
an eye to becoming a certified Community Development Financial Institution or CDFI in the
future 10
11
The Food Bank of North Alabama provided a generous gift of $300000 to capitalize the Hiatt
Fund which is focused on providing access to capital to businesses that support a local food
economy or create jobs in North Alabama In 2013 the City of Huntsville provided an additional
$250000 to seed The Huntsville Fund which is focused on lending to local businesses within the
City limits Loans which range from $2500 to $50000 are available for start-up costs working
capital inventory and equipment purchase leasehold improvements and real estate transactions
NARLF was designed to address a need for capital that is currently being unmet by traditional
lending sources NARLF has more flexibility in its lending decisions allowing them to make
loans to start-up businesses or those looking for smaller amounts of capital that typically might
not be able to access conventional financing This flexibility coupled with sound business prac-
tices allows NARLF to honor the social investment goals of its funders while still being good
stewards of these investments
To date NARLF has made 12 loans totaling $215000 to small businesses in North Alabama
Loans range in size from $4000 to $50000 and include a local food producer who needed a line
of credit for working capital as well as equipment financing When NARLF made the loan in late
2012 the borrower was selling her product in local independent grocery stores Today she is
in conversation with Walmart and expects to be in all of their southeastern distribution centers
by summer 2015 Forty-eight percent of NARLFrsquos loans have been made to minorities 84 to
women-owned businesses 36 to veterans and 60 were made to business owners with person-
al income below $50000
ClassifiedsAt $50 a blurb Small Businesses and Startups can advertise their openings and needs to one another
12
624 ndash Armed Forces Week Luncheon
624 - Free Co-Working Wednesday- 900am - Biztech
624 - White Board Wednesday-100pm - Biztech
625 - 515 Entrepreneur Meet Up - 500pm - Biztech
626-628 - HAMACON Huntsville And Madison Anime Convetion 1000am-500pm- VBC South Hall Register at httpswwweventbritecomehamacon-6-tickets-14444500891
626 - Open Tech (HOT Coffee) ndash 730am-Hudson Alpha
626 - WBCNA ndash Engage - 100pm - Biztech
626 - Walk and talk - 130pm- Biztech
630 - BZ Sensors - 830am - Biztech
8
Yoshida Thomas256-534-0075ythomasneighborhoodconceptsorg
Business Lead FocusAn Interview on a Company or Event thats helping to Shape the Small Business
Environment
Neighborhood Concepts (NCI) is a Huntsville-based non-profit with over 25 years of experience
strengthening communities through the development of affordable housing and the advance-
ment of economic opportunities
In 2008 representatives of the Food Bank of North Alabama asked NCI to provide real estate
development services related to the creation of the Pulaski Pike Market a workers-cooperative
grocery store to be located in a Huntsville food desert Because of the economic downturn
access to capital had tightened and NCI was not able to secure the necessary funds for the real
estate transaction
Because local and regional banks were not able to provide the necessary financing NCI explored
the possibility of obtaining a loan from a Community Development Financial Institution or
ldquoCDFIrdquo A CDFI is a Treasury designated private entity usually non-profit that provides access
to capital to consumers and small businesses particularly those that are underserved willing
to locate their business in underserved communities or able to provide services to this popula-
tion Although there were a few Alabama-based CDFIrsquos most were providing consumer banking
services rather than commercial lending to small businesses and entrepreneurs in the State of
Alabama and the Pulaski Pike Market was outside of the geographic footprint of non-Alabama
CDFIrsquos who did provide commercial lending
Neighborhood Concepts saw a gap in the market and an opportunity to provide commercial
banking services for community development activities In 2012 NCI formed the North Ala-
bama Revolving Loan Fund LLC (NARLF) to provide access to capital to small businesses with
an eye to becoming a certified Community Development Financial Institution or CDFI in the
future 10
11
The Food Bank of North Alabama provided a generous gift of $300000 to capitalize the Hiatt
Fund which is focused on providing access to capital to businesses that support a local food
economy or create jobs in North Alabama In 2013 the City of Huntsville provided an additional
$250000 to seed The Huntsville Fund which is focused on lending to local businesses within the
City limits Loans which range from $2500 to $50000 are available for start-up costs working
capital inventory and equipment purchase leasehold improvements and real estate transactions
NARLF was designed to address a need for capital that is currently being unmet by traditional
lending sources NARLF has more flexibility in its lending decisions allowing them to make
loans to start-up businesses or those looking for smaller amounts of capital that typically might
not be able to access conventional financing This flexibility coupled with sound business prac-
tices allows NARLF to honor the social investment goals of its funders while still being good
stewards of these investments
To date NARLF has made 12 loans totaling $215000 to small businesses in North Alabama
Loans range in size from $4000 to $50000 and include a local food producer who needed a line
of credit for working capital as well as equipment financing When NARLF made the loan in late
2012 the borrower was selling her product in local independent grocery stores Today she is
in conversation with Walmart and expects to be in all of their southeastern distribution centers
by summer 2015 Forty-eight percent of NARLFrsquos loans have been made to minorities 84 to
women-owned businesses 36 to veterans and 60 were made to business owners with person-
al income below $50000
ClassifiedsAt $50 a blurb Small Businesses and Startups can advertise their openings and needs to one another
12
Yoshida Thomas256-534-0075ythomasneighborhoodconceptsorg
Business Lead FocusAn Interview on a Company or Event thats helping to Shape the Small Business
Environment
Neighborhood Concepts (NCI) is a Huntsville-based non-profit with over 25 years of experience
strengthening communities through the development of affordable housing and the advance-
ment of economic opportunities
In 2008 representatives of the Food Bank of North Alabama asked NCI to provide real estate
development services related to the creation of the Pulaski Pike Market a workers-cooperative
grocery store to be located in a Huntsville food desert Because of the economic downturn
access to capital had tightened and NCI was not able to secure the necessary funds for the real
estate transaction
Because local and regional banks were not able to provide the necessary financing NCI explored
the possibility of obtaining a loan from a Community Development Financial Institution or
ldquoCDFIrdquo A CDFI is a Treasury designated private entity usually non-profit that provides access
to capital to consumers and small businesses particularly those that are underserved willing
to locate their business in underserved communities or able to provide services to this popula-
tion Although there were a few Alabama-based CDFIrsquos most were providing consumer banking
services rather than commercial lending to small businesses and entrepreneurs in the State of
Alabama and the Pulaski Pike Market was outside of the geographic footprint of non-Alabama
CDFIrsquos who did provide commercial lending
Neighborhood Concepts saw a gap in the market and an opportunity to provide commercial
banking services for community development activities In 2012 NCI formed the North Ala-
bama Revolving Loan Fund LLC (NARLF) to provide access to capital to small businesses with
an eye to becoming a certified Community Development Financial Institution or CDFI in the
future 10
11
The Food Bank of North Alabama provided a generous gift of $300000 to capitalize the Hiatt
Fund which is focused on providing access to capital to businesses that support a local food
economy or create jobs in North Alabama In 2013 the City of Huntsville provided an additional
$250000 to seed The Huntsville Fund which is focused on lending to local businesses within the
City limits Loans which range from $2500 to $50000 are available for start-up costs working
capital inventory and equipment purchase leasehold improvements and real estate transactions
NARLF was designed to address a need for capital that is currently being unmet by traditional
lending sources NARLF has more flexibility in its lending decisions allowing them to make
loans to start-up businesses or those looking for smaller amounts of capital that typically might
not be able to access conventional financing This flexibility coupled with sound business prac-
tices allows NARLF to honor the social investment goals of its funders while still being good
stewards of these investments
To date NARLF has made 12 loans totaling $215000 to small businesses in North Alabama
Loans range in size from $4000 to $50000 and include a local food producer who needed a line
of credit for working capital as well as equipment financing When NARLF made the loan in late
2012 the borrower was selling her product in local independent grocery stores Today she is
in conversation with Walmart and expects to be in all of their southeastern distribution centers
by summer 2015 Forty-eight percent of NARLFrsquos loans have been made to minorities 84 to
women-owned businesses 36 to veterans and 60 were made to business owners with person-
al income below $50000
ClassifiedsAt $50 a blurb Small Businesses and Startups can advertise their openings and needs to one another
12
Business Lead FocusAn Interview on a Company or Event thats helping to Shape the Small Business
Environment
Neighborhood Concepts (NCI) is a Huntsville-based non-profit with over 25 years of experience
strengthening communities through the development of affordable housing and the advance-
ment of economic opportunities
In 2008 representatives of the Food Bank of North Alabama asked NCI to provide real estate
development services related to the creation of the Pulaski Pike Market a workers-cooperative
grocery store to be located in a Huntsville food desert Because of the economic downturn
access to capital had tightened and NCI was not able to secure the necessary funds for the real
estate transaction
Because local and regional banks were not able to provide the necessary financing NCI explored
the possibility of obtaining a loan from a Community Development Financial Institution or
ldquoCDFIrdquo A CDFI is a Treasury designated private entity usually non-profit that provides access
to capital to consumers and small businesses particularly those that are underserved willing
to locate their business in underserved communities or able to provide services to this popula-
tion Although there were a few Alabama-based CDFIrsquos most were providing consumer banking
services rather than commercial lending to small businesses and entrepreneurs in the State of
Alabama and the Pulaski Pike Market was outside of the geographic footprint of non-Alabama
CDFIrsquos who did provide commercial lending
Neighborhood Concepts saw a gap in the market and an opportunity to provide commercial
banking services for community development activities In 2012 NCI formed the North Ala-
bama Revolving Loan Fund LLC (NARLF) to provide access to capital to small businesses with
an eye to becoming a certified Community Development Financial Institution or CDFI in the
future 10
11
The Food Bank of North Alabama provided a generous gift of $300000 to capitalize the Hiatt
Fund which is focused on providing access to capital to businesses that support a local food
economy or create jobs in North Alabama In 2013 the City of Huntsville provided an additional
$250000 to seed The Huntsville Fund which is focused on lending to local businesses within the
City limits Loans which range from $2500 to $50000 are available for start-up costs working
capital inventory and equipment purchase leasehold improvements and real estate transactions
NARLF was designed to address a need for capital that is currently being unmet by traditional
lending sources NARLF has more flexibility in its lending decisions allowing them to make
loans to start-up businesses or those looking for smaller amounts of capital that typically might
not be able to access conventional financing This flexibility coupled with sound business prac-
tices allows NARLF to honor the social investment goals of its funders while still being good
stewards of these investments
To date NARLF has made 12 loans totaling $215000 to small businesses in North Alabama
Loans range in size from $4000 to $50000 and include a local food producer who needed a line
of credit for working capital as well as equipment financing When NARLF made the loan in late
2012 the borrower was selling her product in local independent grocery stores Today she is
in conversation with Walmart and expects to be in all of their southeastern distribution centers
by summer 2015 Forty-eight percent of NARLFrsquos loans have been made to minorities 84 to
women-owned businesses 36 to veterans and 60 were made to business owners with person-
al income below $50000
ClassifiedsAt $50 a blurb Small Businesses and Startups can advertise their openings and needs to one another
12
11
The Food Bank of North Alabama provided a generous gift of $300000 to capitalize the Hiatt
Fund which is focused on providing access to capital to businesses that support a local food
economy or create jobs in North Alabama In 2013 the City of Huntsville provided an additional
$250000 to seed The Huntsville Fund which is focused on lending to local businesses within the
City limits Loans which range from $2500 to $50000 are available for start-up costs working
capital inventory and equipment purchase leasehold improvements and real estate transactions
NARLF was designed to address a need for capital that is currently being unmet by traditional
lending sources NARLF has more flexibility in its lending decisions allowing them to make
loans to start-up businesses or those looking for smaller amounts of capital that typically might
not be able to access conventional financing This flexibility coupled with sound business prac-
tices allows NARLF to honor the social investment goals of its funders while still being good
stewards of these investments
To date NARLF has made 12 loans totaling $215000 to small businesses in North Alabama
Loans range in size from $4000 to $50000 and include a local food producer who needed a line
of credit for working capital as well as equipment financing When NARLF made the loan in late
2012 the borrower was selling her product in local independent grocery stores Today she is
in conversation with Walmart and expects to be in all of their southeastern distribution centers
by summer 2015 Forty-eight percent of NARLFrsquos loans have been made to minorities 84 to
women-owned businesses 36 to veterans and 60 were made to business owners with person-
al income below $50000
ClassifiedsAt $50 a blurb Small Businesses and Startups can advertise their openings and needs to one another
12
ClassifiedsAt $50 a blurb Small Businesses and Startups can advertise their openings and needs to one another
12
