TMC_AR_2013_WITH SPREAD_e-version_4

Transcription

Pride of Ownership
Expertise in SBA Real Estate Financing
TMC’s Clients Are Thriving – Growing
Their Businesses and Creating Jobs
TMC CLIENT PROFILES
Table
of
Contents
Koreana Plaza Market Sacramento, Inc.
Race Car Dynamics, Inc.
Atherton Healthcare
Foam Distributors, Inc.
Sam’s Anchor Café
VSR Industries, Inc.
superstudio, inc.
Titmouse, Inc.
Exxel Outdoors, Inc.
Werner Institute for Balance & Dizziness, Inc.
Microloans: Working Solutions
2
5
6
8
11
13
14
16
21
22
24
TMC PORTFOLIO HIGHLIGHTS
Portfolio Introduction
Industry Pie Chart
Architects & Design, Arts & Media, Auto Services
Business Services, Contractors
Education, Entertainment, Export, Import & Distribution,
Financial & Legal Services
Health & Beauty Services, Home & Garden Services,
Hospitality, Insurance Services
Manufacturing, Medical & Dental Services
Nursing & Residential Care, Print & Marketing, Real Estate Services
Restaurants, Bars & Food Services, Retail
Technology, Transportation, Moving & Storage
Veterinary & Pet Services
26
27
28
29
30
31
32
33
34
35
36
The economy is on the upswing, companies are once again hiring,
there’s a renewed optimism among consumers and business leaders, and TMC Financing is delighted to be a part of the turnaround.
Throughout the recession, we continued to pursue our mission
of helping business owners realize their dreams, invest in the
future of the their companies, retain employees and even grow
their workforce. The pay-off has been tremendous.
From the largest sleeping bag manufacturer in America who was recognized by the White
House for bringing jobs home, to the shopping center owner who is revitalizing an entire
community, to one of the Bay Area’s most popular restaurants, TMC’s clients are thriving. Collectively, they employ 7,962 people, and expect to add 2,680 new jobs over the
next two years.
And, just as it’s true that small businesses are the engine of job growth, it’s also a fact
that many of those jobs are local, which translates into a renewed prosperity for the communities where the businesses are located.
One of the most gratifying aspects we’ve witnessed among many of our client companies
is a dedication to the American worker. A number of the stories we’re sharing with you
here have a strong component of “Made in America.” And these companies are only a
sampling of what’s going on nationwide.
As the No. 1 Small Business Administration (SBA) 504 commercial real estate lender
in Northern California and Las Vegas, it’s our job to make sure our small business
clients have access to capital, as well as the help, advice and mentoring they need to
be successful.
While our numbers – the number of loans and loan amounts – continue to trend up, it’s
our clients who have the good ideas, talent and drive to generate growth. They are the
real story of TMC’s success.
As with any successful enterprise, we cannot do it alone. We’re grateful for our dedicated
Board of Directors, the U.S. Small Business Administration, the mortgage lenders and
commercial real estate brokers who work with us to contribute to the vitality of businesses and their communities.
We’re pleased to share with you some of the successes our clients have had in the past
year. They inspire a renewed confidence in the resilience of American business.
SBA 504 Commercial Real Estate Financing: What’s New?
SBA 504
can lend to
larger companies!
SBA 504
can finance
larger projects!
TMC Board of Directors
Donald Briggs Jr.
Thomas Wood Professionals
Mark W. Buell
Denise Conley
Conley Consulting Group
Gail Goldman
Ken Johnson
Attorney at Law
David Kraechan
Premier West Bank
Linda Lee
Paragon Asset Management
Susan Lowenberg
Lowenberg Corporation
Barbara Morrison
TMC Financing
Jennifer F. Raike
Old Republic Title Co.
Selma Taylor
Barbara Morrison
“Our passion is providing small businesses
the capital resources and support they need to
prosper and contribute to the economic turnaround.”
CARAT
Mike Waltz
TMC’s Clients Are Thriving – Growing
Their Businesses and Creating Jobs
TMC CLIENT PROFILES
Table
of
Contents
Atherton Healthcare
superstudio, inc.
Titmouse, Inc.
Microloans: Working Solutions
2
5
6
8
11
13
14
16
21
22
24
TMC PORTFOLIO HIGHLIGHTS
Portfolio Introduction
Industry Pie Chart
Architects & Design, Arts & Media, Auto Services
Business Services, Contractors
Education, Entertainment, Export, Import & Distribution,
Health & Beauty Services, Home & Garden Services,
Hospitality, Insurance Services
Manufacturing, Medical & Dental Services
Nursing & Residential Care, Print & Marketing, Real Estate Services
Restaurants, Bars & Food Services, Retail
Technology, Transportation, Moving & Storage
26
27
28
29
30
31
32
33
34
35
36
The economy is on the upswing, companies are once again hiring,
there’s a renewed optimism among consumers and business leaders, and TMC Financing is delighted to be a part of the turnaround.
Throughout the recession, we continued to pursue our mission
of helping business owners realize their dreams, invest in the
future of the their companies, retain employees and even grow
their workforce. The pay-off has been tremendous.
From the largest sleeping bag manufacturer in America who was recognized by the White
House for bringing jobs home, to the shopping center owner who is revitalizing an entire
community, to one of the Bay Area’s most popular restaurants, TMC’s clients are thriving. Collectively, they employ 7,962 people, and expect to add 2,680 new jobs over the
next two years.
And, just as it’s true that small businesses are the engine of job growth, it’s also a fact
that many of those jobs are local, which translates into a renewed prosperity for the communities where the businesses are located.
One of the most gratifying aspects we’ve witnessed among many of our client companies
is a dedication to the American worker. A number of the stories we’re sharing with you
here have a strong component of “Made in America.” And these companies are only a
sampling of what’s going on nationwide.
As the No. 1 Small Business Administration (SBA) 504 commercial real estate lender
in Northern California and Las Vegas, it’s our job to make sure our small business
clients have access to capital, as well as the help, advice and mentoring they need to
be successful.
While our numbers – the number of loans and loan amounts – continue to trend up, it’s
our clients who have the good ideas, talent and drive to generate growth. They are the
real story of TMC’s success.
As with any successful enterprise, we cannot do it alone. We’re grateful for our dedicated
Board of Directors, the U.S. Small Business Administration, the mortgage lenders and
commercial real estate brokers who work with us to contribute to the vitality of businesses and their communities.
We’re pleased to share with you some of the successes our clients have had in the past
year. They inspire a renewed confidence in the resilience of American business.
SBA 504 Commercial Real Estate Financing: What’s New?
SBA 504
can lend to
larger companies!
SBA 504
can finance
larger projects!
TMC Board of Directors
Donald Briggs Jr.
Thomas Wood Professionals
Mark W. Buell
Denise Conley
Conley Consulting Group
Gail Goldman
Ken Johnson
Attorney at Law
David Kraechan
Premier West Bank
Linda Lee
Paragon Asset Management
Susan Lowenberg
Lowenberg Corporation
Barbara Morrison
TMC Financing
Jennifer F. Raike
Old Republic Title Co.
Selma Taylor
Barbara Morrison
“Our passion is providing small businesses
the capital resources and support they need to
prosper and contribute to the economic turnaround.”
CARAT
Mike Waltz
Larger Loans for
Larger Companies
Rancho Cordova, California
SBA 504 Financing
Total Project Cost: $17,729,704 (Including Tenant Improvements)
Jobs Retained and Created: 134
TMC Lending Partner: Nara Bank (now BBCN Bank)
Byong Yu, President
SBA 504 can finance
larger projects!
• Increased SBA debenture
maximum of $5 million for every
eligible business. There is no
maximum project cost for
SBA 504 financing.
• Manufacturers and green energy
qualified projects are eligible for
additional benefits – SBA
debenture maximum of $5.5
million per project.
SBA 504 can lend
to larger companies!
• SBA 504 isn’t just for “small”
businesses anymore.
• A new alternative size standard
for business eligibility allows
larger companies to obtain SBA 504 financing – maximum
tangible net worth of $15 million and 2-yr. average net income
after Federal income tax of
$5 million.
2
Byong Yu, a self-made businessman, is an American dream success
story whose investment in the Koreana Plaza in Rancho Cordova
is creating opportunities for others. The project, which includes
the Koreana Market, gift shops, restaurants, other businesses and
a planned Korean-style spa, will create an estimated 87 jobs and
revitalize the neighborhood.
Yu opened his first specialty Asian grocery store in 1973 in Oakland. With the success of this store, he opened a second location
in Rancho Cordova in 2003, which offers an expansive array of
food products that cater to a diverse clientele, including Asian,
Eastern European and Hispanic customers.
Koreana Plaza is transforming what was a blighted shopping center with vacant storefronts into a new center of commerce. As the
owner/manager, Yu is able to select retailers that draw customers
who patronize more than one business. “That way, we support one
another,” he says.
In addition, he appreciates the stability, independence and equity
that come with ownership.
“When you own the building, the cash you’re expending stays in
the property as the value goes up, and you benefit,” he explains.
TMC’s Kurt Chambliss helped Yu put together the loan and financing package – Yu’s second SBA deal with TMC.
“TMC is very professional and they’re willing to take a risk,” says
Yu. “They trusted me as a businessman, and they were willing
to help.”
“To succeed in business, you have to have good people
surrounding you, people you can trust to give you good advice.”
~ Byong Yu
3
Larger Loans for
Larger Companies
Rancho Cordova, California
SBA 504 Financing
TMC Lending Partner: Nara Bank (now BBCN Bank)
Byong Yu, President
SBA 504 can finance
larger projects!
• Increased SBA debenture
maximum of $5 million for every
eligible business. There is no
maximum project cost for
SBA 504 financing.
• Manufacturers and green energy
qualified projects are eligible for
additional benefits – SBA
debenture maximum of $5.5
million per project.
SBA 504 can lend
to larger companies!
• SBA 504 isn’t just for “small”
businesses anymore.
• A new alternative size standard
for business eligibility allows
larger companies to obtain SBA 504 financing – maximum
tangible net worth of $15 million and 2-yr. average net income
after Federal income tax of
$5 million.
2
Byong Yu, a self-made businessman, is an American dream success
story whose investment in the Koreana Plaza in Rancho Cordova
is creating opportunities for others. The project, which includes
the Koreana Market, gift shops, restaurants, other businesses and
a planned Korean-style spa, will create an estimated 87 jobs and
revitalize the neighborhood.
Yu opened his first specialty Asian grocery store in 1973 in Oakland. With the success of this store, he opened a second location
in Rancho Cordova in 2003, which offers an expansive array of
food products that cater to a diverse clientele, including Asian,
Eastern European and Hispanic customers.
Koreana Plaza is transforming what was a blighted shopping center with vacant storefronts into a new center of commerce. As the
owner/manager, Yu is able to select retailers that draw customers
who patronize more than one business. “That way, we support one
another,” he says.
In addition, he appreciates the stability, independence and equity
that come with ownership.
“When you own the building, the cash you’re expending stays in
the property as the value goes up, and you benefit,” he explains.
TMC’s Kurt Chambliss helped Yu put together the loan and financing package – Yu’s second SBA deal with TMC.
“TMC is very professional and they’re willing to take a risk,” says
Yu. “They trusted me as a businessman, and they were willing
to help.”
“To succeed in business, you have to have good people
surrounding you, people you can trust to give you good advice.”
~ Byong Yu
3
SBA 504 Financing
Total Project Cost: $7,568,000
TMC Lending Partner: Plaza Bank
El Cajon, California
James Asbury, President & CEO
Judith Asbury, Secretary
Andrea Asbury, Vice President
A family-owned business, Race Car Dynamics has built its reputation on 40 years of innovation and quality.
“Teamwork,” says Judy Asbury, company secretary, “has been the
key to RCD’s success throughout the years.”
The company manufactures and distributes suspension systems,
concept vehicles, Bilstein & Fox shock absorbers and quick-response vehicles for fire, rescue and law enforcement. The business is conducted according to a simple creed: Quality products,
superior design, made in the USA.
“We’re always in search of new concepts,” says Asbury. “We pride
ourselves on understanding the marketplace and the trends that
are revealing themselves. RCD’s team has the vision to design,
develop and produce cutting-edge products.”
Prior to obtaining their SBA loan and purchasing a building, RCD
was operating in three separate locations. The purchase allowed
the company to consolidate operations and increase efficiencies,
which, says Asbury, improved the bottom line.
RCD was introduced to TMC through their broker and Plaza Bank,
and Asbury appreciated the way TMC’s knowledgeable staff guided RCD through every step of the process.
“Buying a larger building enabled us to provide room for growth in
the future,” says Asbury. “We’ll lease out the excess space until
we need it.”
In addition, purchasing the building has given RCD the opportunity to add employees.
4
“We’re committed to maintaining our ‘Made in the USA’ mission – and creating new jobs.”
~ James Asbury
“As the business expands and grows, we will be able to maintain
our ‘Made in the USA’ mission and create new jobs,” says Asbury.
2012
TMC Lender Partners
American Continental Bank
American Plus Bank
Bank of America
Bank of Guam
Bank of Marin
Bank of Napa
Bank of Nevada
Bank of San Francisco
Bank of the West
Bay Commercial Bank
Bridge Bank
California Bank & Trust
California Bank of Commerce
Cathay Bank
CitiBank
City National Bank
Community West Bank
East West Bank
Exchange Bank
First Citizens Bank
First Republic Bank
Focus Business Bank
Fremont Bank
GBC International Bank
Heritage Bank of Commerce
HSBC Bank
JPMorgan Chase Bank
Kirkwood Bank of Nevada
Manufacturers Bank
Mechanics Bank
Meriwest Credit Union
Metro United Bank
Midwest Business Capital
Mission National Bank
Mutual of Omaha Bank
Nara Bank (now BBCN Bank)
Nevada State Bank
Open Bank
Pacific Enterprise Bank
Partners Bank of California
Pinnacle Bank
Plaza Bank
Premier Commercial Bank
Presidio Bank
Prime Alliance Bank
Redwood Credit Union
Saehan Bank
SCE Federal Credit Union
Seacoast Commerce Bank
Service 1st Bank of Nevada
Shinhan Bank
Small Business Capital
Sonoma National Bank
SouthWest Community
Credit Union
Stanford Federal Credit Union
Technology Credit Union
Torrey Pines Bank
U.S. Bank
Union Bank
USEDLC (US Employment
Development Lending Center)
Wells Fargo Bank
Westamerica Bank
Wilshire State Bank
Zions Bank
5
SBA 504 Financing
TMC Lending Partner: Plaza Bank
El Cajon, California
James Asbury, President & CEO
Judith Asbury, Secretary
Andrea Asbury, Vice President
A family-owned business, Race Car Dynamics has built its reputation on 40 years of innovation and quality.
“Teamwork,” says Judy Asbury, company secretary, “has been the
key to RCD’s success throughout the years.”
The company manufactures and distributes suspension systems,
concept vehicles, Bilstein & Fox shock absorbers and quick-response vehicles for fire, rescue and law enforcement. The business is conducted according to a simple creed: Quality products,
superior design, made in the USA.
“We’re always in search of new concepts,” says Asbury. “We pride
ourselves on understanding the marketplace and the trends that
are revealing themselves. RCD’s team has the vision to design,
develop and produce cutting-edge products.”
Prior to obtaining their SBA loan and purchasing a building, RCD
was operating in three separate locations. The purchase allowed
the company to consolidate operations and increase efficiencies,
which, says Asbury, improved the bottom line.
RCD was introduced to TMC through their broker and Plaza Bank,
and Asbury appreciated the way TMC’s knowledgeable staff guided RCD through every step of the process.
“Buying a larger building enabled us to provide room for growth in
the future,” says Asbury. “We’ll lease out the excess space until
we need it.”
In addition, purchasing the building has given RCD the opportunity to add employees.
4
“We’re committed to maintaining our ‘Made in the USA’ mission – and creating new jobs.”
~ James Asbury
“As the business expands and grows, we will be able to maintain
our ‘Made in the USA’ mission and create new jobs,” says Asbury.
2012
TMC Lender Partners
American Continental Bank
American Plus Bank
Bank of America
Bank of Guam
Bank of Marin
Bank of Napa
Bank of Nevada
Bank of San Francisco
Bank of the West
Bay Commercial Bank
Bridge Bank
California Bank & Trust
California Bank of Commerce
Cathay Bank
CitiBank
City National Bank
Community West Bank
East West Bank
Exchange Bank
First Citizens Bank
First Republic Bank
Focus Business Bank
Fremont Bank
GBC International Bank
Heritage Bank of Commerce
HSBC Bank
JPMorgan Chase Bank
Kirkwood Bank of Nevada
Manufacturers Bank
Mechanics Bank
Meriwest Credit Union
Metro United Bank
Midwest Business Capital
Mission National Bank
Mutual of Omaha Bank
Nara Bank (now BBCN Bank)
Nevada State Bank
Open Bank
Pacific Enterprise Bank
Partners Bank of California
Pinnacle Bank
Plaza Bank
Premier Commercial Bank
Presidio Bank
Prime Alliance Bank
Redwood Credit Union
Saehan Bank
SCE Federal Credit Union
Seacoast Commerce Bank
Service 1st Bank of Nevada
Shinhan Bank
Small Business Capital
Sonoma National Bank
SouthWest Community
Credit Union
Stanford Federal Credit Union
Technology Credit Union
Torrey Pines Bank
U.S. Bank
Union Bank
USEDLC (US Employment
Development Lending Center)
Wells Fargo Bank
Westamerica Bank
Wilshire State Bank
Zions Bank
5
TMC Employee Spotlight
We’re Working for You & Your Business
Atherton Healthcare
Menlo Park, California
SBA 504 Financing
TMC Lending Partner: California Bank & Trust
David Dediachvili, Co-owner
Natalia Josseliani, Co-owner
Briana Carter
Marketing Associate
Assists to grow the sales teams’ portfolio and
partakes in the initial stages of the clients’ 504
application. She helps promote the 504 program through various marketing techniques,
and plans many of the sales team events. Briana is a bubbly person that keeps the TMC
office laughing and enjoying their day.
A recent college graduate, Briana was eager to
get out into the “real” world where she loves
learning new things about small business and
looks forward to exploring different areas of the
company.
“It’s been so rewarding to see small businesses
get a chance to grow their business with TMC’s
help,” says Briana.
In her off hours, Briana enjoys reading, music
and watching football.
Natalie Josseliani has a medical background in her native Georgia, and her husband, David Dediachvili is experienced in finance.
These skills provided excellent preparation to become the owners/
operators of Atherton Healthcare, a full-service skilled nursing and
rehabilitation facility serving seniors who need short-term or longterm care.
The story of Atherton Healthcare is an example of putting knowhow and skill to work to create a successful turnaround.
When the couple purchased the property, there were only 60 patients
in residence and the facility needed updating. They made physical
improvements and hired and trained staff. Atherton Healthcare
now houses some 160 patients cared for by 170 employees.
“In today’s commercial real estate market, it might seem like a
risk to make a big investment in property,” says Dediachvili, “but
it’s actually a good time to buy. Rates are low, prices are pretty
reasonable, and you never know, tomorrow may be too late.”
“Besides,” says Dediachvili, “it just makes good financial sense
to own the property where you operate your business. It’s better to
be your own boss, rather than having a landlord telling you what
to do or not do.”
Dediachvili says he couldn’t have asked for more from TMC’s Bruce
Whitaker and California Bank & Trust.
“In the beginning, I was worried about time constraints, but they
did everything possible to accommodate my needs before the
deadline on the option to buy,” he says.
6
“As a property owner, every dollar you invest goes to the future
value of the property – and you’re the beneficiary.”
~ David Dediachvili
7
Atherton Healthcare
Menlo Park, California
SBA 504 Financing
TMC Lending Partner: California Bank & Trust
David Dediachvili, Co-owner
Natalia Josseliani, Co-owner
Briana Carter
Marketing Associate
Assists to grow the sales teams’ portfolio and
partakes in the initial stages of the clients’ 504
application. She helps promote the 504 program through various marketing techniques,
and plans many of the sales team events. Briana is a bubbly person that keeps the TMC
office laughing and enjoying their day.
A recent college graduate, Briana was eager to
get out into the “real” world where she loves
learning new things about small business and
looks forward to exploring different areas of the
company.
“It’s been so rewarding to see small businesses
get a chance to grow their business with TMC’s
help,” says Briana.
In her off hours, Briana enjoys reading, music
and watching football.
Natalie Josseliani has a medical background in her native Georgia, and her husband, David Dediachvili is experienced in finance.
These skills provided excellent preparation to become the owners/
operators of Atherton Healthcare, a full-service skilled nursing and
rehabilitation facility serving seniors who need short-term or longterm care.
The story of Atherton Healthcare is an example of putting knowhow and skill to work to create a successful turnaround.
When the couple purchased the property, there were only 60 patients
in residence and the facility needed updating. They made physical
improvements and hired and trained staff. Atherton Healthcare
now houses some 160 patients cared for by 170 employees.
“In today’s commercial real estate market, it might seem like a
risk to make a big investment in property,” says Dediachvili, “but
it’s actually a good time to buy. Rates are low, prices are pretty
reasonable, and you never know, tomorrow may be too late.”
“Besides,” says Dediachvili, “it just makes good financial sense
to own the property where you operate your business. It’s better to
be your own boss, rather than having a landlord telling you what
to do or not do.”
Dediachvili says he couldn’t have asked for more from TMC’s Bruce
Whitaker and California Bank & Trust.
“In the beginning, I was worried about time constraints, but they
did everything possible to accommodate my needs before the
deadline on the option to buy,” he says.
6
“As a property owner, every dollar you invest goes to the future
value of the property – and you’re the beneficiary.”
~ David Dediachvili
7
TMC Employee Spotlight:
Kurt Chambliss
Hayward, California
This is our second post in our new
Employee Spotlight series in an effort
for you to get to know the TMC team.
This month, we are showcasing Kurt
Chambliss, a Senior Vice President of
Business Development in our Walnut
Creek office.
SBA 504 Financing
TMC Lending Partner: JPMorgan Chase Bank
Steve Doyle, President
Ron Doyle, Treasurer & CFO
Now celebrating its 35th year, Foam Distributors is truly a family
affair. Steven and Ron Doyle’s father started the company in 1977.
“We’re proud of being family-owned,” says Ron Doyle, “and we’re
building for the future. The third generation is already in key
positions – even the fourth-generation – is ‘ready and waiting in
the wings.’”
Kurt Chambliss
Senior Vice President of Business Development
Kurt works with brokers and lenders to assist
their clients in obtaining SBA 504 financing.
After being referred to a small business owner,
he works with the owner by reviewing the details of the loan, describing the overall process
and being their main point of contact.
“As a 1st mortgage lender for the last 15
years (before joining the TMC team), I could
always count on TMC’s experience and professionalism to make sure my deals closed
quickly and smoothly,” says Kurt.
“TMC does more deals than any other CDC
in Northern California, and this experience
helps navigate the sometimes tricky waters
of SBA financing.”
What Kurt finds most rewarding in his work
with TMC is closing the big, challenging deals.
His number one goal is to help even more
small business owners experience the benefit
of owning their building with below-market,
fixed-rate financing.
8
Foam Distributors first established its reputation for excellence in
cushion packaging for the Silicon Valley computer industry, but
when the industry began outsourcing manufacturing, the Doyles diversified “to keep pace with the changing economy,” says Ron Doyle.
Today, Foam Distributors provides packaging for communications
and medical equipment, biotechnology products, wine bottles,
fruits and vegetables, and cushion parts for the defense industry.
The company also supplied foam used to build the famed “green
roof” on the California Academy of Sciences.
“We are continually honing our skills to provide what our customers
need,” says Doyle. “In many cases, they take our salespeople on
sales calls so together they can design exactly the packaging that’s
needed for a specific job.”
When the brothers decided to purchase a larger facility, it was an
easy decision to go with TMC. “TMC helped us purchase our previous building,” says Doyle. “They’re great at moving the loan along.”
Owning has helped the Doyles control costs and expand the workforce
by six new, full-time staff, for a total head count of 90 employees.
“TMC has come through for us twice now. We trust them to get it right.”
~ Ron Doyle
9
TMC Employee Spotlight:
Kurt Chambliss
Hayward, California
This is our second post in our new
Employee Spotlight series in an effort
for you to get to know the TMC team.
This month, we are showcasing Kurt
Chambliss, a Senior Vice President of
Business Development in our Walnut
Creek office.
SBA 504 Financing
TMC Lending Partner: JPMorgan Chase Bank
Steve Doyle, President
Ron Doyle, Treasurer & CFO
Now celebrating its 35th year, Foam Distributors is truly a family
affair. Steven and Ron Doyle’s father started the company in 1977.
“We’re proud of being family-owned,” says Ron Doyle, “and we’re
building for the future. The third generation is already in key
positions – even the fourth-generation – is ‘ready and waiting in
the wings.’”
Kurt Chambliss
Senior Vice President of Business Development
Kurt works with brokers and lenders to assist
their clients in obtaining SBA 504 financing.
After being referred to a small business owner,
he works with the owner by reviewing the details of the loan, describing the overall process
and being their main point of contact.
“As a 1st mortgage lender for the last 15
years (before joining the TMC team), I could
always count on TMC’s experience and professionalism to make sure my deals closed
quickly and smoothly,” says Kurt.
“TMC does more deals than any other CDC
in Northern California, and this experience
helps navigate the sometimes tricky waters
of SBA financing.”
What Kurt finds most rewarding in his work
with TMC is closing the big, challenging deals.
His number one goal is to help even more
small business owners experience the benefit
of owning their building with below-market,
fixed-rate financing.
8
Foam Distributors first established its reputation for excellence in
cushion packaging for the Silicon Valley computer industry, but
when the industry began outsourcing manufacturing, the Doyles diversified “to keep pace with the changing economy,” says Ron Doyle.
Today, Foam Distributors provides packaging for communications
and medical equipment, biotechnology products, wine bottles,
fruits and vegetables, and cushion parts for the defense industry.
The company also supplied foam used to build the famed “green
roof” on the California Academy of Sciences.
“We are continually honing our skills to provide what our customers
need,” says Doyle. “In many cases, they take our salespeople on
sales calls so together they can design exactly the packaging that’s
needed for a specific job.”
When the brothers decided to purchase a larger facility, it was an
easy decision to go with TMC. “TMC helped us purchase our previous building,” says Doyle. “They’re great at moving the loan along.”
Owning has helped the Doyles control costs and expand the workforce
by six new, full-time staff, for a total head count of 90 employees.
“TMC has come through for us twice now. We trust them to get it right.”
~ Ron Doyle
9
SBA 504 Financing
TMC Lending Partner: Presidio Bank
Tiburon, California
Brian Wilson, Co-owner
Stephen Sears, Co-owner
Everyone in the San Francisco Bay Area knows Sam’s Anchor
Café. The iconic landmark is one of only a handful of restaurants accessible by boat with a large, sunny deck that offers unobstructed views of Angel Island, Alcatraz and the San
Francisco skyline.
Sam’s has been a popular destination point since the days of
Prohibition, when, rumor has it, founder Sam Vella operated a
still down in the harbor. Today, Sam’s is owned and operated by
Brian Wilson and Steve Sears, who are only the third owners in
the restaurant’s 92-year history.
When Wilson and Sears had an opportunity to purchase the property, which includes the restaurant, leased retail space, two floating docks and anchor piers, they turned to TMC for assistance.
“TMC’s David Griffis made it easy, and it was a fairly complicated situation,” says Wilson. “Throughout the process, we felt
we were working with partners who actually cared about us and
our business.”
Why
SBA 504
Financing?
• Most privately held companies are eligible.
• As little as 10% down payment required.
• Below-market, long-term interest rates – FIXED for 20 years.
• Financing can be used for
building acquisition, renovation or new construction.
• Minimum 51% occupancy.
• No additional collateral required.
“As owners, our fate is in our own hands,” says Wilson. “Our customers and employees know Sam’s will be there for the long run.”
As part of the tenant improvements financed with the SBA loan,
Wilson and Sears had solar panels installed.
10
“Without the support of TMC, Presidio Bank and SBA financing, it may
not have been possible to put this deal together.”
~ Brian Wilson
“Restaurants are heavily dependent on electricity because of the
need for refrigeration,” explains Wilson. “We’ve been able to cut
our electric bill by two-thirds, and the panels will pay for themselves
within two years.”
11
SBA 504 Financing
TMC Lending Partner: Presidio Bank
Tiburon, California
Brian Wilson, Co-owner
Stephen Sears, Co-owner
Everyone in the San Francisco Bay Area knows Sam’s Anchor
Café. The iconic landmark is one of only a handful of restaurants accessible by boat with a large, sunny deck that offers unobstructed views of Angel Island, Alcatraz and the San
Francisco skyline.
Sam’s has been a popular destination point since the days of
Prohibition, when, rumor has it, founder Sam Vella operated a
still down in the harbor. Today, Sam’s is owned and operated by
Brian Wilson and Steve Sears, who are only the third owners in
the restaurant’s 92-year history.
When Wilson and Sears had an opportunity to purchase the property, which includes the restaurant, leased retail space, two floating docks and anchor piers, they turned to TMC for assistance.
“TMC’s David Griffis made it easy, and it was a fairly complicated situation,” says Wilson. “Throughout the process, we felt
we were working with partners who actually cared about us and
our business.”
Why
SBA 504
Financing?
• Most privately held companies are eligible.
• As little as 10% down payment required.
• Below-market, long-term interest rates – FIXED for 20 years.
• Financing can be used for
building acquisition, renovation or new construction.
• Minimum 51% occupancy.
• No additional collateral required.
“As owners, our fate is in our own hands,” says Wilson. “Our customers and employees know Sam’s will be there for the long run.”
As part of the tenant improvements financed with the SBA loan,
Wilson and Sears had solar panels installed.
10
“Without the support of TMC, Presidio Bank and SBA financing, it may
not have been possible to put this deal together.”
~ Brian Wilson
“Restaurants are heavily dependent on electricity because of the
need for refrigeration,” explains Wilson. “We’ve been able to cut
our electric bill by two-thirds, and the panels will pay for themselves
within two years.”
11
SBA 504 Refinancing
Total Debt Refinanced: $5,200,000
TMC Lending Partner: Service 1st Bank of Nevada
Henderson, Nevada
Colton Vollmann, CFO
Leo Wright, Director
Charles DeGregorio, President
The double whammy of a collapsing Las Vegas real estate market
and a worldwide downturn in casino gaming could have been a
fatal blow for VSR Industries’ CFO Colt Vollmann. But Vollmann,
an ex-banker, saw the opportunity inherent in refinancing with
an SBA loan.
“The building we owned had decreased in appraised value and
our loan had become an albatross around our necks,” says Vollmann. “Refinancing through the SBA gave us the leverage we
needed to restructure a completely new financing package with a
new bank, including a line of credit for working capital.”
In fact, it was the new banker who encouraged Vollmann to look
into the SBA’s debt refinancing opportunities and recommended
working with TMC’s Ann Santiago.
“Ann’s knowledge of both the SBA and the banking industry,
enabled her to walk us through the hurdles with a minimum of
effort,” says Vollmann.
VSR, which manufactures and sells locks, lock bases and slot
machines, realized a savings in excess of $100,000 annually,
which freed up money for growth and hiring. VSR’s headcount is
up by 30, to 165 employees.
12
“Refinancing with the SBA is a no-brainer for any small to medium-size
business in an owner-occupied building who is upside down with their loan.”
~ Colton Vollman
Alisa Clifford Aiken
Vice President, Loan Dept. Manager
Alisa is responsible for overseeing TMC’s team
of underwriters and managing the process of
seeking SBA credit approval. Alisa works with
the team to ensure deadlines are met and loans
move forward in a timely manner. What Alisa
likes most about her job is the opportunity to talk
to the real people – the business owners – behind the paperwork.
“Success is being able to laugh everyday, finding joy in the simple daily activities and getting
the occasional adrenaline recharge,” says Alisa.
Alisa enjoys spending time with her five-yearold daughter, skydiving and snowboarding. Her
guilty pleasure is a $5 blackjack table.
VSR recently landed a huge contract to sell slot machines to
Macau, China. Vollmann is proud of the fact that everything VSR
manufactures and sells is made in the U.S., saying, “Resources
may be inexpensive elsewhere, but security is a huge thing and
our relationships worldwide are key.”
13
SBA 504 Refinancing
Total Debt Refinanced: $5,200,000
TMC Lending Partner: Service 1st Bank of Nevada
Henderson, Nevada
Colton Vollmann, CFO
Leo Wright, Director
Charles DeGregorio, President
The double whammy of a collapsing Las Vegas real estate market
and a worldwide downturn in casino gaming could have been a
fatal blow for VSR Industries’ CFO Colt Vollmann. But Vollmann,
an ex-banker, saw the opportunity inherent in refinancing with
an SBA loan.
“The building we owned had decreased in appraised value and
our loan had become an albatross around our necks,” says Vollmann. “Refinancing through the SBA gave us the leverage we
needed to restructure a completely new financing package with a
new bank, including a line of credit for working capital.”
In fact, it was the new banker who encouraged Vollmann to look
into the SBA’s debt refinancing opportunities and recommended
working with TMC’s Ann Santiago.
“Ann’s knowledge of both the SBA and the banking industry,
enabled her to walk us through the hurdles with a minimum of
effort,” says Vollmann.
VSR, which manufactures and sells locks, lock bases and slot
machines, realized a savings in excess of $100,000 annually,
which freed up money for growth and hiring. VSR’s headcount is
up by 30, to 165 employees.
12
“Refinancing with the SBA is a no-brainer for any small to medium-size
business in an owner-occupied building who is upside down with their loan.”
~ Colton Vollman
Alisa Clifford Aiken
Vice President, Loan Dept. Manager
Alisa is responsible for overseeing TMC’s team
of underwriters and managing the process of
seeking SBA credit approval. Alisa works with
the team to ensure deadlines are met and loans
move forward in a timely manner. What Alisa
likes most about her job is the opportunity to talk
to the real people – the business owners – behind the paperwork.
“Success is being able to laugh everyday, finding joy in the simple daily activities and getting
the occasional adrenaline recharge,” says Alisa.
Alisa enjoys spending time with her five-yearold daughter, skydiving and snowboarding. Her
guilty pleasure is a $5 blackjack table.
VSR recently landed a huge contract to sell slot machines to
Macau, China. Vollmann is proud of the fact that everything VSR
manufactures and sells is made in the U.S., saying, “Resources
may be inexpensive elsewhere, but security is a huge thing and
our relationships worldwide are key.”
13
Sample
SBA 504
Loan Structure
TOTAL PROJECT COST
$10,000,000
Can include building acquisition,
construction, improvements and
equipment.
SOURCE OF FUNDS
AMOUNT
COLLATERAL
BANK
50% $5,000,000 1st Deed
SBA 504 LOAN/TMC 40% $4,000,000 2nd Deed
BORROWER
10% $1,000,000 TOTAL$10,000,000
Rate/Term
Bank: Rate and term will vary
depending on lender.
SBA: Rate is determined at the time
of the monthly debenture sale and
FIXED for 20 years.
superstudio, inc.
Culver City, California
Dana Garman Jacobsen,
Owner/Executive Producer
Before purchasing an 11,654 sq. ft. warehouse and adjacent
3,749 sq. ft. industrial building, superstudio, which produces high-quality advertising for top agencies, was outgrowing its
space. With business growing, the company was frequently forced
to rent studio space on an “as-needed” basis. Superstudio is now
able to operate more efficiently without being restricted by thirdparty scheduling.
Dana Garman Jacobsen, an industry vet who has worked with such
notable production companies as Propaganda Films, RSA, Tony
Kaye and Supply and Demand, founded the company in 2006.
Superstudio’s unique creativity and established relationships with
third-party vendors gives it its edge over industry competitors.
When the opportunity arose to purchase the Culver City property,
Garman Jacobsen knew the time was right.
“We’d been in business for five and a half years and were stable.
This beautiful building came on the market and I decided to take
the plunge,” she says.
“TMC worked seamlessly with Bank of the West on a ‘big picture’
package that enabled the purchase to go through.”
“Anytime you’re in a position to buy instead of rent, and can hold
onto the property long term, it’s probably better to own. Real estate is about longevity.”
In addition to the financial benefits, Garman Jacobsen says she
bought the building “for the same reason I wanted to have my
own company rather than run someone else’s business. It’s about
independence and quality control.”
14
SBA 504 Financing
TMC Lending Partner: Bank of the West
“When you ‘own your own home’, so to speak, it gives you a sense of permanence.”
~ Dana Garman Jacobsen
15
Sample
SBA 504
Loan Structure
TOTAL PROJECT COST
$10,000,000
Can include building acquisition,
construction, improvements and
equipment.
SOURCE OF FUNDS
AMOUNT
COLLATERAL
BANK
50% $5,000,000 1st Deed
SBA 504 LOAN/TMC 40% $4,000,000 2nd Deed
BORROWER
10% $1,000,000 TOTAL$10,000,000
Rate/Term
Bank: Rate and term will vary
depending on lender.
SBA: Rate is determined at the time
of the monthly debenture sale and
FIXED for 20 years.
superstudio, inc.
Culver City, California
Dana Garman Jacobsen,
Owner/Executive Producer
Before purchasing an 11,654 sq. ft. warehouse and adjacent
3,749 sq. ft. industrial building, superstudio, which produces high-quality advertising for top agencies, was outgrowing its
space. With business growing, the company was frequently forced
to rent studio space on an “as-needed” basis. Superstudio is now
able to operate more efficiently without being restricted by thirdparty scheduling.
Dana Garman Jacobsen, an industry vet who has worked with such
notable production companies as Propaganda Films, RSA, Tony
Kaye and Supply and Demand, founded the company in 2006.
Superstudio’s unique creativity and established relationships with
third-party vendors gives it its edge over industry competitors.
When the opportunity arose to purchase the Culver City property,
Garman Jacobsen knew the time was right.
“We’d been in business for five and a half years and were stable.
This beautiful building came on the market and I decided to take
the plunge,” she says.
“TMC worked seamlessly with Bank of the West on a ‘big picture’
package that enabled the purchase to go through.”
“Anytime you’re in a position to buy instead of rent, and can hold
onto the property long term, it’s probably better to own. Real estate is about longevity.”
In addition to the financial benefits, Garman Jacobsen says she
bought the building “for the same reason I wanted to have my
own company rather than run someone else’s business. It’s about
independence and quality control.”
14
SBA 504 Financing
TMC Lending Partner: Bank of the West
“When you ‘own your own home’, so to speak, it gives you a sense of permanence.”
~ Dana Garman Jacobsen
15
Titmouse, Inc.
Los Angeles, California
SBA 504 Financing
TMC Lending Partner: City National Bank
Christian Prynoski, President
Shannon Prynoski, Vice President & Producer
Sometimes, owning your own building is just plain good for business. Shannon Prynoski, co-owner with husband Christian Prynoski,
of Titmouse, sees a direct link between purchasing the space for their
growing Los Angeles animation studio and a major new contract to
produce 52 episodes of a cartoon series for Disney.
Beejal Amin
Loan Officer
Beejal joined TMC because she is passionate
about small business lending and its capacity to
positively impact the communities where those
businesses grow and prosper.
“Each loan presents a new puzzle – the more
unique and complex, the better,” says Beejal. “I
thrive on putting it all together, and acting as
an advocate for the borrower in submitting my
recommendations to the SBA.”
As an example of how rewarding her job is, Beejal describes attending a corporate retreat at a
property she helped a client purchase with an
SBA loan.
Titmouse makes cartoons, music videos and television commercials
for a variety of networks, including the Cartoon Network, MTV and
Nickelodeon, in addition to Disney. The company’s first big show was
Metacalypse for the Cartoon Network, and others followed.
“In 2005, when we got our series, we needed a lot more employees
and decided – against our accountant’s advice – to buy a building,”
says Shannon Prynoski. “Either way, we’d have to pay ‘rent.’ As our
own landlords, we can do what we like with our space.”
With seven series in production, Titmouse again needed to expand and
recently purchased a new building that can house their ever-growing
crew, which now numbers 180 full-time employees in California.
Another 40 people work for Titmouse in New York.
“My client’s expressions of gratitude on that visit
have left a lasting impression on me,” says Beejal. “It will perpetually remind me of the benefits
my job can bring to others.”
“If we hadn’t bought that first building, we wouldn’t have had the
equity to afford this one,” says Prynoski. “It’s definitely a step up.
Plus, we’re using what we budgeted for rent to pay for improvements.”
Outside of the office, Beejal finds great joy in the
kitchen. Her No. 1 personal goal for the coming
year is to bake the best-ever blackberry pie.
Prynoski was pleased with the help they received from TMC’s Beejal
Amin. “She helped us secure the best deal and rate for the project.”
16
“Owning your building puts you in control. As artists, we like being able
to create our own things, including our own space.”
~ Christian Prynoski
17
Titmouse, Inc.
Los Angeles, California
SBA 504 Financing
TMC Lending Partner: City National Bank
Christian Prynoski, President
Shannon Prynoski, Vice President & Producer
Sometimes, owning your own building is just plain good for business. Shannon Prynoski, co-owner with husband Christian Prynoski,
of Titmouse, sees a direct link between purchasing the space for their
growing Los Angeles animation studio and a major new contract to
produce 52 episodes of a cartoon series for Disney.
Beejal Amin
Loan Officer
Beejal joined TMC because she is passionate
about small business lending and its capacity to
positively impact the communities where those
businesses grow and prosper.
“Each loan presents a new puzzle – the more
unique and complex, the better,” says Beejal. “I
thrive on putting it all together, and acting as
an advocate for the borrower in submitting my
recommendations to the SBA.”
As an example of how rewarding her job is, Beejal describes attending a corporate retreat at a
property she helped a client purchase with an
SBA loan.
Titmouse makes cartoons, music videos and television commercials
for a variety of networks, including the Cartoon Network, MTV and
Nickelodeon, in addition to Disney. The company’s first big show was
Metacalypse for the Cartoon Network, and others followed.
“In 2005, when we got our series, we needed a lot more employees
and decided – against our accountant’s advice – to buy a building,”
says Shannon Prynoski. “Either way, we’d have to pay ‘rent.’ As our
own landlords, we can do what we like with our space.”
With seven series in production, Titmouse again needed to expand and
recently purchased a new building that can house their ever-growing
crew, which now numbers 180 full-time employees in California.
Another 40 people work for Titmouse in New York.
“My client’s expressions of gratitude on that visit
have left a lasting impression on me,” says Beejal. “It will perpetually remind me of the benefits
my job can bring to others.”
“If we hadn’t bought that first building, we wouldn’t have had the
equity to afford this one,” says Prynoski. “It’s definitely a step up.
Plus, we’re using what we budgeted for rent to pay for improvements.”
Outside of the office, Beejal finds great joy in the
kitchen. Her No. 1 personal goal for the coming
year is to bake the best-ever blackberry pie.
Prynoski was pleased with the help they received from TMC’s Beejal
Amin. “She helped us secure the best deal and rate for the project.”
16
“Owning your building puts you in control. As artists, we like being able
to create our own things, including our own space.”
~ Christian Prynoski
17
SBA 504 Financing
TMC Lending Partner: Bank of America
City of Industry, California
Manufacturing
in the U.S.
Harry Kazazian, CEO
Armen Kouleyan, President
Exxel Outdoors manufactures and distributes camping and outdoor
recreational gear in both the United States and Asia, and owns and
operates the largest sleeping bag factory in America.
“In 2000, when everyone else was packing up their factories and
running to China, we did a very calculated roll of the dice and purchased a closed-down sleeping bag factory in Alabama,” explains
CEO Harry Kazazian. “We hired back the workers and invested in
it to make it the most efficient sleeping bag factory in the world.”
Exxel’s commitment to American jobs recently earned Kazazian an
invitation to the White House to participate in President Obama’s
Insourcing American Jobs Forum. Last August, Congresswoman
Judy Chu named him “Businessman of the Year” for his work in job
creation in California’s San Gabriel Valley. Exxel’s customers include
mass retailers and sporting goods chains in the U.S. and abroad.
“We deliver high-value products so families can afford to have fun
in the outdoors without spending a fortune,” says Kazazian.
Kazazian and his business partner, Exxel Outdoors President Armen
Kouleyan, credit their success to “seeing opportunities the other
guys don’t see, and taking chances to pursue those opportunities.”
When Exxel’s former lease ran out, Kazazian knew the time was
right to buy: “We were in expansion mode, property prices were
good and interest rates were low.”
20
“We’re focusing on producing more products in the U.S.
and bringing more jobs back home.”
~ Harry Kazazian
“TMC helped us close the deal with the best possible rate and terms.
We’re now able to invest in ourselves and control our own destiny as
we grow our company.”
It is not hard to agree on the importance of an economy built on American manufacturing with support for
those companies that are bringing
jobs back to the U.S.
TMC is proud to be a part of this new
and rapidly growing movement.
In 2012, manufacturers made up 12%
of TMC’s loan portfolio. TMC provided
over $44 million in SBA 504 financing to manufacturing businesses,
which leveraged over $115 million
in total project financing. These businesses employ 1,900 people and are
expected to create 600 new jobs within a 2-year timeframe.
Four of the clients you’ll read about
here – Exxel Outdoors, VSR Industries, Foam Distributors and Race Car
Dynamics -- are companies whose
products proudly carry the “Made in
the USA” label.
SBA 504 loans enable manufacturing companies to use their working
capital to retain and create American
jobs, a clear step in the right direction
on the path to a thriving economy.
21
SBA 504 Financing
TMC Lending Partner: Bank of America
City of Industry, California
Manufacturing
in the U.S.
Harry Kazazian, CEO
Armen Kouleyan, President
Exxel Outdoors manufactures and distributes camping and outdoor
recreational gear in both the United States and Asia, and owns and
operates the largest sleeping bag factory in America.
“In 2000, when everyone else was packing up their factories and
running to China, we did a very calculated roll of the dice and purchased a closed-down sleeping bag factory in Alabama,” explains
CEO Harry Kazazian. “We hired back the workers and invested in
it to make it the most efficient sleeping bag factory in the world.”
Exxel’s commitment to American jobs recently earned Kazazian an
invitation to the White House to participate in President Obama’s
Insourcing American Jobs Forum. Last August, Congresswoman
Judy Chu named him “Businessman of the Year” for his work in job
creation in California’s San Gabriel Valley. Exxel’s customers include
mass retailers and sporting goods chains in the U.S. and abroad.
“We deliver high-value products so families can afford to have fun
in the outdoors without spending a fortune,” says Kazazian.
Kazazian and his business partner, Exxel Outdoors President Armen
Kouleyan, credit their success to “seeing opportunities the other
guys don’t see, and taking chances to pursue those opportunities.”
When Exxel’s former lease ran out, Kazazian knew the time was
right to buy: “We were in expansion mode, property prices were
good and interest rates were low.”
20
“We’re focusing on producing more products in the U.S.
and bringing more jobs back home.”
~ Harry Kazazian
“TMC helped us close the deal with the best possible rate and terms.
We’re now able to invest in ourselves and control our own destiny as
we grow our company.”
It is not hard to agree on the importance of an economy built on American manufacturing with support for
those companies that are bringing
jobs back to the U.S.
TMC is proud to be a part of this new
and rapidly growing movement.
In 2012, manufacturers made up 12%
of TMC’s loan portfolio. TMC provided
over $44 million in SBA 504 financing to manufacturing businesses,
which leveraged over $115 million
in total project financing. These businesses employ 1,900 people and are
expected to create 600 new jobs within a 2-year timeframe.
Four of the clients you’ll read about
here – Exxel Outdoors, VSR Industries, Foam Distributors and Race Car
Dynamics -- are companies whose
products proudly carry the “Made in
the USA” label.
SBA 504 loans enable manufacturing companies to use their working
capital to retain and create American
jobs, a clear step in the right direction
on the path to a thriving economy.
21
Las Vegas, Nevada
SBA 504 Financing
Total Project Cost: $845,900 (Including Tenant Improvements)
TMC Lending Partner: Bank of Nevada
Brian Werner, MPT, Co-founder & Lead Clinician
Donald Slater, Co-founder & CFO
Don Slater’s enthusiasm for the physical therapy business he cofounded with Brian Werner, MPT, in 2005, is evident in his voice.
Ann Santiago
Vice President, Regional Loan Officer
Ann is responsible for partnering with lenders,
brokers, and developers in Nevada to provide
local businesses with SBA 504 financing. She
works with all parties from the start through the
underwriting and loan application process.
“Helping small businesses achieve their dreams
is exceptionally gratifying,” says Ann.
She takes pride in TMC’s innovative, forward
approach to reaching out to the small business
community, which, she says, “explains how TMC
continues to be one of the top CDC’s in each market we service.”
Going forward, Ann’s goals include helping to
maintain TMC’s No. 1 position in Las Vegas, and,
she has her “sights set on beating a couple of
ladies on the tennis court – and learning to cook
Puerto Rican cuisine like my mom.”
“We’re proud to be the first facility in the Las Vegas area to offer vestibular auto-rotational testing (VAT),” says Slater, CFO of the
Werner Institute of Balance & Dizziness. “We’re on the leading edge
of diagnosing and treating patients with peripheral and central nervous system disorders of the balance system.”
As a specialty practice catering to the growing Baby Boomer
demographic in Southern Nevada, the Werner Institute is thriving.
“In addition to our expertise, there’s a credibility that comes with
a new, state of the art facility that gives referring physicians great
confidence,” says Slater.
Owning their building has enabled the Werner Institute to save money and increase its capacity to serve a growing number of patients,
including adding 10 new employees.
In addition, the Institute was able to apply some of the cost savings to upgrading the facility and earning LEED certification, which
meets the SBA 504 program’s incentive to build/renovate buildings
using green technology and energy-saving systems.
One of the things that clinched the decision to move forward, says
Slater, “was the fact that the SBA and TMC’s Cindy Santilena and
Ann Santiago believed in us and stuck with us.”
“We look at the SBA and TMC as long-term partners. It’s not just a
transactional relationship; we see it as what’s next and what’s possible.”
22
“Tomorrow will always be better and there are solutions, resources
and partners who can help you realize your dreams.”
~ Donald Slater
23
Las Vegas, Nevada
SBA 504 Financing
Total Project Cost: $845,900 (Including Tenant Improvements)
TMC Lending Partner: Bank of Nevada
Brian Werner, MPT, Co-founder & Lead Clinician
Donald Slater, Co-founder & CFO
Don Slater’s enthusiasm for the physical therapy business he cofounded with Brian Werner, MPT, in 2005, is evident in his voice.
Ann Santiago
Vice President, Regional Loan Officer
Ann is responsible for partnering with lenders,
brokers, and developers in Nevada to provide
local businesses with SBA 504 financing. She
works with all parties from the start through the
underwriting and loan application process.
“Helping small businesses achieve their dreams
is exceptionally gratifying,” says Ann.
She takes pride in TMC’s innovative, forward
approach to reaching out to the small business
community, which, she says, “explains how TMC
continues to be one of the top CDC’s in each market we service.”
Going forward, Ann’s goals include helping to
maintain TMC’s No. 1 position in Las Vegas, and,
she has her “sights set on beating a couple of
ladies on the tennis court – and learning to cook
Puerto Rican cuisine like my mom.”
“We’re proud to be the first facility in the Las Vegas area to offer vestibular auto-rotational testing (VAT),” says Slater, CFO of the
Werner Institute of Balance & Dizziness. “We’re on the leading edge
of diagnosing and treating patients with peripheral and central nervous system disorders of the balance system.”
As a specialty practice catering to the growing Baby Boomer
demographic in Southern Nevada, the Werner Institute is thriving.
“In addition to our expertise, there’s a credibility that comes with
a new, state of the art facility that gives referring physicians great
confidence,” says Slater.
Owning their building has enabled the Werner Institute to save money and increase its capacity to serve a growing number of patients,
including adding 10 new employees.
In addition, the Institute was able to apply some of the cost savings to upgrading the facility and earning LEED certification, which
meets the SBA 504 program’s incentive to build/renovate buildings
using green technology and energy-saving systems.
One of the things that clinched the decision to move forward, says
Slater, “was the fact that the SBA and TMC’s Cindy Santilena and
Ann Santiago believed in us and stuck with us.”
“We look at the SBA and TMC as long-term partners. It’s not just a
transactional relationship; we see it as what’s next and what’s possible.”
22
“Tomorrow will always be better and there are solutions, resources
and partners who can help you realize your dreams.”
~ Donald Slater
23
TMC Supports Local Microlender
Microloans for Small Businesses
Microloans
Microloans in the amounts of $5,000 up to $50,000
may be used for working capital, inventory purchases,
equipment and machinery, leasehold improvements, and
startup costs.
Working Solutions is a 501(c) 3 nonprofit
organization established by TMC to support
micro entrepreneurs throughout the
nine-county San Francisco Bay Area.
Working Solutions provides the access to
capital and resources needed to start and
grow local successful businesses.
The goal is to strengthen local economies,
create jobs and build strong communities.
Business Coaching and Advising
One of the benefits of being a Working Solutions borrower
is that borrowers receive five years of free business
coaching, advising, education and mentoring – along
with opportunities to meet and share ideas with like-minded
entrepreneurs.
Services are available in Spanish and Cantonese,
as well as English.
Wide Range of Clients
Working Solutions’ clients run the gamut from professional
services to fitness, fashion design and retail to specialty
foods, catering and restaurants.
Just a few examples include: Twisterz Toys, Innerstellar
Pilates and Yoga, Brenda’s French Soul Food, Oasis Café,
My Tutoring Place, Coco Delice Fine Chocolates and Core
Foods (see Profile on facing page).
Financial Supporters
Supporters include: Bank of America, Bank of San Francisco,
Bank of the West, California Bank & Trust, CDFI Fund,
Chapman and Cutter, LLP, Citi Foundation, City National
Bank, City of San Francisco, Comerica, First Bank, JP
Morgan Chase Foundation, Mechanics Bank, O’Melveny
& Myers LLP, Presidio Bank, U.S. Small Business Administration, TMC, Union Bank, US Bancorp Foundation,
and Wells Fargo.
24
Animal Internal Medicine
& Specialty Services
San Francisco, California
Jill Williamson, Founder
Working Solutions Microloan: $25,000
Jill Williamson, VMD, was the perfect candidate for
a Working Solutions loan. She had the expertise,
training and experience to make a go of her new
Animal Internal Medicine and Specialty Services
business, but she lacked the leverage needed to
secure a loan from a traditional lender.
“I was a single-person business, was encumbered
with school debt and had no assets,” she explains.
“The bankers didn’t trust my business plan, even
though it was based on 15 years of experience.”
What she did have was confidence. She was certified
in emergency and critical care, and Working Solutions was willing to take a chance on her expertise.
It turns out the loan was a good bet. From the day
Williamson opened the doors on her new practice,
which offers 24-hour care to critically ill pets, it has
exceeded her expectations. Williamson’s staff has
grown to four full-time and four part-time employees,
a radiologist and a cardiologist.
It’s her staff she credits for the exceptional customer
service that’s contributed to the success of AIMSS.
Eventually, Williamson would love to purchase the
building where she leases space. Until then, she’s
content to expand her practice and continue to provide high-quality medicine that’s saving pets’ lives.
25
TMC Supports Local Microlender
Microloans for Small Businesses
Microloans
Microloans in the amounts of $5,000 up to $50,000
may be used for working capital, inventory purchases,
equipment and machinery, leasehold improvements, and
startup costs.
Working Solutions is a 501(c) 3 nonprofit
organization established by TMC to support
micro entrepreneurs throughout the
nine-county San Francisco Bay Area.
Working Solutions provides the access to
capital and resources needed to start and
grow local successful businesses.
The goal is to strengthen local economies,
create jobs and build strong communities.
Business Coaching and Advising
One of the benefits of being a Working Solutions borrower
is that borrowers receive five years of free business
coaching, advising, education and mentoring – along
with opportunities to meet and share ideas with like-minded
entrepreneurs.
Services are available in Spanish and Cantonese,
as well as English.
Wide Range of Clients
Working Solutions’ clients run the gamut from professional
services to fitness, fashion design and retail to specialty
foods, catering and restaurants.
Just a few examples include: Twisterz Toys, Innerstellar
Pilates and Yoga, Brenda’s French Soul Food, Oasis Café,
My Tutoring Place, Coco Delice Fine Chocolates and Core
Foods (see Profile on facing page).
Financial Supporters
Supporters include: Bank of America, Bank of San Francisco,
Bank of the West, California Bank & Trust, CDFI Fund,
Chapman and Cutter, LLP, Citi Foundation, City National
Bank, City of San Francisco, Comerica, First Bank, JP
Morgan Chase Foundation, Mechanics Bank, O’Melveny
& Myers LLP, Presidio Bank, U.S. Small Business Administration, TMC, Union Bank, US Bancorp Foundation,
and Wells Fargo.
24
Animal Internal Medicine
& Specialty Services
San Francisco, California
Jill Williamson, Founder
Working Solutions Microloan: $25,000
Jill Williamson, VMD, was the perfect candidate for
a Working Solutions loan. She had the expertise,
training and experience to make a go of her new
Animal Internal Medicine and Specialty Services
business, but she lacked the leverage needed to
secure a loan from a traditional lender.
“I was a single-person business, was encumbered
with school debt and had no assets,” she explains.
“The bankers didn’t trust my business plan, even
though it was based on 15 years of experience.”
What she did have was confidence. She was certified
in emergency and critical care, and Working Solutions was willing to take a chance on her expertise.
It turns out the loan was a good bet. From the day
Williamson opened the doors on her new practice,
which offers 24-hour care to critically ill pets, it has
exceeded her expectations. Williamson’s staff has
grown to four full-time and four part-time employees,
a radiologist and a cardiologist.
It’s her staff she credits for the exceptional customer
service that’s contributed to the success of AIMSS.
Eventually, Williamson would love to purchase the
building where she leases space. Until then, she’s
content to expand her practice and continue to provide high-quality medicine that’s saving pets’ lives.
25
TMC PORTFOLIO
HIGHLIGHTS
TMC’s Diverse Portfolio
A Architects & Design
B Arts & Media
C Auto Services
D Business Services
During the past 30 years, TMC has provided $7.2 billion in
SBA 504 commercial real estate financing for more than 4,200
businesses throughout California and Nevada.
U
E Contractors
V
W
A
B
C
T
F Education
G Entertainment
D
S
H Exports, Imports & Distribution
We are pleased to present this directory featuring many of the
clients we have worked with over the years. Each one of these
businesses has received an SBA real estate loan from TMC.
SBA financing has helped these businesses grow and prosper,
enabling them to make positive changes that benefit not only
the businesses themselves, but also their owners, employees,
and the communities they serve.
I
R
J Health & Beauty Services
Q
E
K Home & Garden Services
L Hospitality
P
M Insurance Services
N Manufacturing
F
G
O
O Medical & Dental Services
P Nursing & Residential Care Services
All of us at TMC are proud of our diverse portfolio and we hope
you enjoy browsing through some of the many businesses we
have assisted since 1981.
H
Q Print & Marketing Services
R Real Estate Services
S Restaurants, Bars & Food Services
T Retail
N
M
L
K
J
I
U Technology
V Transportation, Moving & Storage
W Veterinary & Pet Services
26
27
TMC PORTFOLIO
HIGHLIGHTS
TMC’s Diverse Portfolio
A Architects & Design
B Arts & Media
C Auto Services
D Business Services
During the past 30 years, TMC has provided $7.2 billion in
SBA 504 commercial real estate financing for more than 4,200
businesses throughout California and Nevada.
U
E Contractors
V
W
A
B
C
T
F Education
G Entertainment
D
S
H Exports, Imports & Distribution
We are pleased to present this directory featuring many of the
clients we have worked with over the years. Each one of these
businesses has received an SBA real estate loan from TMC.
SBA financing has helped these businesses grow and prosper,
enabling them to make positive changes that benefit not only
the businesses themselves, but also their owners, employees,
and the communities they serve.
I
R
J Health & Beauty Services
Q
E
K Home & Garden Services
L Hospitality
P
M Insurance Services
N Manufacturing
F
G
O
O Medical & Dental Services
P Nursing & Residential Care Services
All of us at TMC are proud of our diverse portfolio and we hope
you enjoy browsing through some of the many businesses we
have assisted since 1981.
H
Q Print & Marketing Services
R Real Estate Services
S Restaurants, Bars & Food Services
T Retail
N
M
L
K
J
I
U Technology
V Transportation, Moving & Storage
W Veterinary & Pet Services
26
27
Architects & Design
Bill Gould Design
Choi & Robles Architecture, LLP
Cody Anderson Wasney Architects, Inc.
Colleen Mahoney Architects
E.A. Bonelli & Associates, Inc.
Endres Ware
Gelfand Partners Architects
Harwood Construction, Inc.
James Jeffery, Architect
Jensen & Macy Architects
Kahn Design Associates
Kollin Altomare Architects, Inc.
L & V Tomalevski Architects, Inc.
Levy Art & Architecture
Lundberg Design
Moniz Architecture
Nueva Castilla Co. Metal Fabrication
Pinnacle Architectural Millworks, Inc.
Roschen Van Cleve Architects
Todd Jersey Architecture
Arts & Media
Acoustic Specialties
Atlas School of Dance at the Branham Dance Theater
Bay Guardian
Ben Manilla Productions
Borsini-Burr Galleries
Cedric Wentworth Sculpture
Dwight Eschliman Photography, Inc.
Eric Powell Arts
HeadQuarters Advertising, Inc.
Hollywood Operating Systems, LLC
Liang’s Art Gallery
Line 204
Luna Gardens
Nancy Hayes Casting
Ripple Studios, Inc.
Pleasanton Rentals
The Hurwitz Entertainment Company, Inc.
28
San Jose
Alameda
Palo Alto
Mill Valley
Oakland
Berkeley
San Francisco
La Verne
Napa
San Francisco
Berkeley
Long Beach
Los Angeles
San Francisco
San Francisco
Sacramento
San Francisco
North Las Vegas
Los Angeles
Berkeley
San Jose
San Jose
San Francisco
San Francisco
Montara
San Francisco
San Francisco
Berkeley
San Francisco
Burbank
Hayward
Los Angeles
Los Angeles
San Francisco
Los Angeles
Pleasanton
North Hollywood
Shooting Stars Productions
SR Gatti Design, LP
Steve Sanford, Inc.
superstudio, inc.
Talavera Ceramics
Theater Publications, Inc.
Thud Rumble, Ltd.
Titmouse, Inc.
San Francisco
San Francisco
San Jose
Culver City
Berkeley
Santa Clara
South SF
Los Angeles
Auto Services cont.
5 Star Car Wash
Alameda County Auction
All Ways Towing and Transport
Anderson Behel Body Shop
ABS Auto Auctions
Baeza Automotive
Bedford Auto Body
BMW of San Francisco
Brabus USA, L.P.
CARS Dawydiak, Inc.
Cerritos Auto Body, Inc.
Dudley Perkins Company, Inc.
Embarcadero Automotive, Inc.
emotionGarage
Eur-Asia Motors
Foreign Auto Care, LLC
Fulton Auto Body Repair Service
Golden Gate Harley-Davidson
Grace Body Shop
H & J Foreign Car Repair
Independent Volvo
J & D Auto Body
King’s Discount Brake & Tire
Napa Auto Parts
Magic Auto Center of Reseda
Marin Autotrans
Marlin’s Car Wash
Masters Autobody Repair
Mavrick Car Wash
Vacaville
Dublin
Fremont
Santa Clara
Colton
Redwood City
Mountain View
San Francisco
Newport Beach
San Francisco
Artesia
San Francisco
San Francisco
San Francisco
San Francisco
Concord
Saint Helena
Novato
South SF
Mountain View
Walnut Creek
Lodi
Mira Loma
Mountain View
Tarzana
Novato
Mountain View
Daly City
Cotati
Auto Services cont.
Moran Motosport
Auto Tech Collision Center
Mutazu Motorcycle Accessories, Inc.
North Point Automotive
Novato Auto Center
South Bay Trim, Inc.
Springer Collision Centers
BMW of Tri-Valley
Berkeley
San Jose
San Leandro
Davis
Novato
San Jose
Gilroy
El Cajon
Livermore
Business Services
Arrow Capital Associates, Inc.
Bay Area Exhibits, Inc.
California Alliance Telecard, Inc.
Controller’s Group, Inc.
Direct Mail Center
Pacific Interactive Networks
FSM Building Maintenance, Inc.
Full Circle Events
Gavin De Becker & Associates
Give Something Back, Inc.
Golden Gate Sign Company
Grisham Group, LLC
Hichborn Consulting Group
NoMoreDirt
King Security Services, Inc.
Payroll Solutions of California, Inc.
Rickenbacker Group, Inc.
Service West, Inc.
Silicon Valley Security & Patrol, Inc.
Tele-Direct Call Centers
Thompson/Dorfman Partners, LLC
Walsh Vineyards Management, Inc.
San Jose
Santa Clara
Fremont
San Jose
San Francisco
San Jose
Livermore
Las Vegas, NV
Glendale
Oakland
Oakland
Alameda
Anaheim
South SF
San Francisco
San Francisco
Morgan Hill
San Leandro
San Jose
Sacramento
Mill Valley
Napa
Contractors
A-1 Guaranteed Heating & AC
Advanced Pro Remediation
All Bay Contractors
Ambassador Woodworks
APP Landmark Builders
Vallejo
Las Vegas, NV
Fremont
Rancho Cordova
San Jose
Asbestos Control Center
Bay Area High Reach, Inc.
BBC Construction, Inc.
One Hour Heating & Air Conditioning
Blue’s Roofing Co.
Brasso’s Plumbing, Inc.
Broadway Mechanical - Contractors, Inc.
Comfort Masters Company
CraneTech, Inc.
Delcon Heating & Air Conditioning
Dinsdale Plumbing
Draeger Construction
Fazio Drywall, Inc.
Fine Line Construction
First, Last & Always
Gene Burch Plumbing, Heating & Air
Gonzales Painting & Drywall
GPZ Electric
J & J Air Conditioning
K.F. Howell Electric, Inc.
Kim Wong Plumbing
M & B Painting, Inc.
Matarozzi/Pelsinger Builders, Inc.
Maxicrete Construction, Inc.
McConville, Inc.
Monster Mechanical, Inc.
Nekota Power
Norman Masonry
Northern California Fence
Pagnini’s, Inc.
Paul Davis Restoration of San Jose
Rainstoppers, Inc.
California Boring, Inc.
Schaper Painting Co., Inc.
Serrano Electric, Inc.
Sidney Ceballos Construction
Silicon Valley Mechanical, Inc.
Young’s Custom Cabinets
Styler’s Floor Covering
Teevan Restoration
Novato
Hayward
San Rafael
Santa Rosa
Milpitas
Livermore
Oakland
Las Vegas, NV
Manteca
Livermore
Los Angeles
Santa Jose
Redwood City
San Francisco
San Francisco
Novato
Riverside
San Francisco
San Jose
Santa Clara
San Gabriel
Santa Clara
San Francisco
Alviso
San Jose
San Jose
Redlands
Tracy
Redwood City
Antioch
San Jose
Costa Mesa
Anaheim
San Jose
Santa Clara
San Jose
San Jose
San Francisco
Los Altos
San Francisco
29
Architects & Design
Bill Gould Design
Choi & Robles Architecture, LLP
Cody Anderson Wasney Architects, Inc.
Colleen Mahoney Architects
E.A. Bonelli & Associates, Inc.
Endres Ware
Gelfand Partners Architects
Harwood Construction, Inc.
James Jeffery, Architect
Jensen & Macy Architects
Kahn Design Associates
Kollin Altomare Architects, Inc.
L & V Tomalevski Architects, Inc.
Levy Art & Architecture
Lundberg Design
Moniz Architecture
Nueva Castilla Co. Metal Fabrication
Pinnacle Architectural Millworks, Inc.
Roschen Van Cleve Architects
Todd Jersey Architecture
Arts & Media
Acoustic Specialties
Atlas School of Dance at the Branham Dance Theater
Bay Guardian
Ben Manilla Productions
Borsini-Burr Galleries
Cedric Wentworth Sculpture
Dwight Eschliman Photography, Inc.
Eric Powell Arts
HeadQuarters Advertising, Inc.
Hollywood Operating Systems, LLC
Liang’s Art Gallery
Line 204
Luna Gardens
Nancy Hayes Casting
Ripple Studios, Inc.
Pleasanton Rentals
The Hurwitz Entertainment Company, Inc.
28
San Jose
Alameda
Palo Alto
Mill Valley
Oakland
Berkeley
San Francisco
La Verne
Napa
San Francisco
Berkeley
Long Beach
Los Angeles
San Francisco
San Francisco
Sacramento
San Francisco
North Las Vegas
Los Angeles
Berkeley
San Jose
San Jose
San Francisco
San Francisco
Montara
San Francisco
San Francisco
Berkeley
San Francisco
Burbank
Hayward
Los Angeles
Los Angeles
San Francisco
Los Angeles
Pleasanton
North Hollywood
Shooting Stars Productions
SR Gatti Design, LP
Steve Sanford, Inc.
superstudio, inc.
Talavera Ceramics
Theater Publications, Inc.
Thud Rumble, Ltd.
Titmouse, Inc.
San Francisco
San Francisco
San Jose
Culver City
Berkeley
Santa Clara
South SF
Los Angeles
Auto Services cont.
5 Star Car Wash
Alameda County Auction
All Ways Towing and Transport
Anderson Behel Body Shop
ABS Auto Auctions
Baeza Automotive
Bedford Auto Body
BMW of San Francisco
Brabus USA, L.P.
CARS Dawydiak, Inc.
Cerritos Auto Body, Inc.
Dudley Perkins Company, Inc.
Embarcadero Automotive, Inc.
emotionGarage
Eur-Asia Motors
Foreign Auto Care, LLC
Fulton Auto Body Repair Service
Golden Gate Harley-Davidson
Grace Body Shop
H & J Foreign Car Repair
Independent Volvo
J & D Auto Body
King’s Discount Brake & Tire
Napa Auto Parts
Magic Auto Center of Reseda
Marin Autotrans
Marlin’s Car Wash
Masters Autobody Repair
Mavrick Car Wash
Vacaville
Dublin
Fremont
Santa Clara
Colton
Redwood City
Mountain View
San Francisco
Newport Beach
San Francisco
Artesia
San Francisco
San Francisco
San Francisco
San Francisco
Concord
Saint Helena
Novato
South SF
Mountain View
Walnut Creek
Lodi
Mira Loma
Mountain View
Tarzana
Novato
Mountain View
Daly City
Cotati
Auto Services cont.
Moran Motosport
Auto Tech Collision Center
Mutazu Motorcycle Accessories, Inc.
North Point Automotive
Novato Auto Center
South Bay Trim, Inc.
Springer Collision Centers
BMW of Tri-Valley
Berkeley
San Jose
San Leandro
Davis
Novato
San Jose
Gilroy
El Cajon
Livermore
Business Services
Arrow Capital Associates, Inc.
Bay Area Exhibits, Inc.
California Alliance Telecard, Inc.
Controller’s Group, Inc.
Direct Mail Center
Pacific Interactive Networks
FSM Building Maintenance, Inc.
Full Circle Events
Gavin De Becker & Associates
Give Something Back, Inc.
Golden Gate Sign Company
Grisham Group, LLC
Hichborn Consulting Group
NoMoreDirt
King Security Services, Inc.
Payroll Solutions of California, Inc.
Rickenbacker Group, Inc.
Service West, Inc.
Silicon Valley Security & Patrol, Inc.
Tele-Direct Call Centers
Walsh Vineyards Management, Inc.
San Jose
Santa Clara
Fremont
San Jose
San Francisco
San Jose
Livermore
Las Vegas, NV
Glendale
Oakland
Oakland
Alameda
Anaheim
South SF
San Francisco
San Francisco
Morgan Hill
San Leandro
San Jose
Sacramento
Mill Valley
Napa
Contractors
A-1 Guaranteed Heating & AC
Advanced Pro Remediation
All Bay Contractors
Ambassador Woodworks
APP Landmark Builders
Vallejo
Las Vegas, NV
Fremont
Rancho Cordova
San Jose
Asbestos Control Center
Bay Area High Reach, Inc.
BBC Construction, Inc.
One Hour Heating & Air Conditioning
Blue’s Roofing Co.
Brasso’s Plumbing, Inc.
Broadway Mechanical - Contractors, Inc.
Comfort Masters Company
CraneTech, Inc.
Delcon Heating & Air Conditioning
Dinsdale Plumbing
Draeger Construction
Fazio Drywall, Inc.
Fine Line Construction
First, Last & Always
Gene Burch Plumbing, Heating & Air
Gonzales Painting & Drywall
GPZ Electric
J & J Air Conditioning
K.F. Howell Electric, Inc.
Kim Wong Plumbing
M & B Painting, Inc.
Matarozzi/Pelsinger Builders, Inc.
Maxicrete Construction, Inc.
McConville, Inc.
Monster Mechanical, Inc.
Nekota Power
Norman Masonry
Northern California Fence
Pagnini’s, Inc.
Paul Davis Restoration of San Jose
Rainstoppers, Inc.
California Boring, Inc.
Schaper Painting Co., Inc.
Serrano Electric, Inc.
Sidney Ceballos Construction
Silicon Valley Mechanical, Inc.
Young’s Custom Cabinets
Teevan Restoration
Novato
Hayward
San Rafael
Santa Rosa
Milpitas
Livermore
Oakland
Las Vegas, NV
Manteca
Livermore
Los Angeles
Santa Jose
Redwood City
San Francisco
San Francisco
Novato
Riverside
San Francisco
San Jose
Santa Clara
San Gabriel
Santa Clara
San Francisco
Alviso
San Jose
San Jose
Redlands
Tracy
Redwood City
Antioch
San Jose
Costa Mesa
Anaheim
San Jose
Santa Clara
San Jose
San Jose
San Francisco
Los Altos
San Francisco
29
30
Contractors cont.
Titan Electrical Construction, Inc.
Towne Electric Company
Universal Floor Covering
Wadsworth Glass Co.
XL Construction Corporation
San Francisco
San Leandro
Fremont
El Sobrante
Milpitas
Education
Alpha Science Education Institute
AppleSeed Montessori
Best Friends Chinese School
Champion Youth Enrichment School
Classroom Matters
Kids ‘N Dance ‘N Theatre Arts
Montrose Christian School, Inc.
Multiple Intelligence Training Center
Rockridge Montessori School
Serendipity School
Study Abroad Italy, Inc.
Sunshine Montessori
Tassajara Learning Center
The Freeman School
The Wonder Years Preschool
Univ. of Eastern & Western Medicine
San Gabriel
Sunnyvale
Fremont
Sunnyvale
Berkeley
Oakland
Glendale
San Jose
Oakland
Belmont
Sebastopol
San Jose
Danville
San Francisco
Palo Alto
Sunnyvale
Control Design Supply of No. California
Cottonbra, Inc.
Diamond Meats
Editions Limited West, Inc.
Global Supply Company
John’s Bargain Imports
Lian Hwa Foods, Inc.
Major Textile Imports, Inc.
Steel Mill Recycling
Pace Supply Corp.
Paper Mart
Paradise Herb & Spice Co.
PCL Imports, Inc.
Ritz Food Service
Sonoma Cattle Ranch
Spectra Test Equipment, Inc.
Steel Tile Distributing, Inc.
T. Haynes Lighting
Tiao Peng Trading, Inc.
Veritable Vegetable
Abbott & Kindermann, LLC
Amrik Chand, CPA
Law Offices of Mayor Joseph L Alioto & Angela Alioto
Entertainment
Fairfax Theatre
Feet First Eventertainment
Fourth Street Bowl
Golf N Games Family Fun Center
Napa Valley Bike Tours
Super Franks
Thud Studios
Fairfax
Oakland
San Jose
Antioch
Yountville
Pleasanton
North Hollywood
Export, Import & Distribution
ABI Industries
Alpha Centurion
American Textile & Supply, Inc.
B & T Trading Company
Boracchia & Associates
Canyon Wholesale Provisions
Oakland
Los Angeles
Richmond
Oakland
Petaluma
Los Angeles
Arguedas, Cassman & Headley
Berkley, Berkley & Andrews, CPAs
Carr & Ferrell LLP
Craig P. Kenny and Associates, LTD.
Kraft Opich LLP
Ellen Abel, CPA
Houldsworth, Russo and Co.
Law Office of Jane McNamara
Law Office of Markus Mueller-Dombois
Law Offices of Dennis J. Luca, Inc.
Law Offices of Esra Jung
Law Offices of Steven R. Jacobsen
Omar Gonzalez A Law Corporation
Payan & Frost CPAs, LLC
Walsh & Friedman, Ltd.
San Carlos
Union City
Lodi
Emeryville
Hayward
San Leandro
Union City
Los Angeles
American Canyon
Santa Rosa
Orange
Hayward
Chatsworth
Petaluma
Petaluma
Mountain View
San Jose
San Francisco
Hayward
San Francisco
Sacramento
Fremont
San Francisco
Berkeley
Las Vegas, NV
Menlo Park
Las Vegas, NV
Citrus Heights
San Francisco
Las Vegas, NV
Valencia
Stockton
San Jose
Sunnyvale
Oakland
Sacramento
Las Vegas, NV
Las Vegas, NV
Financial & Legal Services cont.
Tate & Associates
The Sudol Group
Uboldi, Heinke & Velladao, LLP
Berkeley
Las Vegas, NV
Napa
Health & Beauty Services
Acqua Med Spa
Berkeley Cuong Nhu Karate
Bio Essence Corporation
Casa de Maria Corporation
Cinta Aveda Institute
Gold’s Gym
Marilyn Jaegar Skincare Studio
Marin Elite Gymnastics Academy
Natural Nails
Shin’s Family Martial Arts Center
Studio International
Women’s Fitness Center
Wushu Central Martial Arts Academy
Yweight Spa
San Rafael
Berkeley
Richmond
Van Nuys
San Francisco
San Francisco
San Francisco
San Rafael
Los Gatos
Santa Clarita
San Francisco
Fairfax
San Jose
San Mateo
Home & Garden Services
Appleby Cleaning & Restoration
Arborwell
Creekside Landscaping, Inc.
Di Grande Brothers
Dominguez Landscape Services, Inc.
Exhibit Plant & Floral Co.
Gotfloor.com
Land Mosaics, Inc.
Medallion Landscape Management, Inc.
Out of the Woods Cabinetry, Inc.
Scientific Equipment Repair
Sheehy Creek, LLC
Stay-Green, Inc.
Steve Silva Plumbing, Inc.
Studio – D
T. Delaney/SEAM Studio
The Garden Spout, LLC
Treemasters Tree and Garden Care
Van Dorn Abed Landscape Architects, Inc.
San Leandro
Hayward
Redwood City
San Francisco
Sacramento
Hayward
Santa Clara
San Jose
Morgan Hill
San Rafael
Mountain View
Napa
Santa Clarita
Napa
San Francisco
San Francisco
Santa Rosa
San Rafael
San Francisco
Vanish Integrative Pest Control
Wilden Painting & Decorating
San Jose
Manteca
Hospitality
Amerihost Inn and Suites
Applewood Inn
Berkeley Rodeway Inn
Best Western Inn at Marine World
Chestelson House
Comfort Inn
Comfort Inn
Comfort Inn
Coral Reef Inn & Suites
Days Inn
Hampton Inn & Suites
Hampton Inn & Suites - SFO
Holiday Inn Express
Napa River Inn
Orr Hot Springs
Best Western Inn at Palm Springs
Quality Inn & Suites
Ramada Suites
Sonoma Creek Inn
Stone Villa Inn
The Agate Cove Inn
The Olema Inn
Trojan Horse Inn
Ridgecrest
Livermore
Guerneville
Berkeley
Vallejo
St. Helena
Arcata
Corning
Vallejo
Alameda
San Jose
San Jose
Burlingame
Vacaville
Napa
Ukiah
Palm Springs
Buena Park
Mountain View
Bakersfield
Sonoma
San Mateo
Mendocino
Olema
Sonoma
Anaheim
Insurance Services
Benefit Resource Group
Bonafide Insurance Services, Inc.
EGCA Insurance Services, Inc.
Finegold Insurance Associates, Inc.
Golden Bells Insurance Agency
Michael Harris Insurance Services, Inc.
RAM Commercial Insurance Services, LLC
Stromsoe Insurance Agency, Inc.
Reno, NV
San Francisco
San Jose
San Francisco
Anaheim
Livermore
Morgan Hill
Murrieta
31
30
Contractors cont.
Titan Electrical Construction, Inc.
Towne Electric Company
Universal Floor Covering
Wadsworth Glass Co.
XL Construction Corporation
San Francisco
San Leandro
Fremont
El Sobrante
Milpitas
Education
Alpha Science Education Institute
AppleSeed Montessori
Best Friends Chinese School
Champion Youth Enrichment School
Classroom Matters
Kids ‘N Dance ‘N Theatre Arts
Montrose Christian School, Inc.
Multiple Intelligence Training Center
Rockridge Montessori School
Serendipity School
Study Abroad Italy, Inc.
Sunshine Montessori
Tassajara Learning Center
The Freeman School
The Wonder Years Preschool
Univ. of Eastern & Western Medicine
San Gabriel
Sunnyvale
Fremont
Sunnyvale
Berkeley
Oakland
Glendale
San Jose
Oakland
Belmont
Sebastopol
San Jose
Danville
San Francisco
Palo Alto
Sunnyvale
Control Design Supply of No. California
Cottonbra, Inc.
Diamond Meats
Editions Limited West, Inc.
Global Supply Company
John’s Bargain Imports
Lian Hwa Foods, Inc.
Major Textile Imports, Inc.
Steel Mill Recycling
Pace Supply Corp.
Paper Mart
Paradise Herb & Spice Co.
PCL Imports, Inc.
Ritz Food Service
Sonoma Cattle Ranch
Spectra Test Equipment, Inc.
Steel Tile Distributing, Inc.
T. Haynes Lighting
Tiao Peng Trading, Inc.
Veritable Vegetable
Abbott & Kindermann, LLC
Amrik Chand, CPA
Law Offices of Mayor Joseph L Alioto & Angela Alioto
Entertainment
Fairfax Theatre
Feet First Eventertainment
Fourth Street Bowl
Golf N Games Family Fun Center
Napa Valley Bike Tours
Super Franks
Thud Studios
Fairfax
Oakland
San Jose
Antioch
Yountville
Pleasanton
North Hollywood
Export, Import & Distribution
ABI Industries
Alpha Centurion
American Textile & Supply, Inc.
B & T Trading Company
Boracchia & Associates
Canyon Wholesale Provisions
Oakland
Los Angeles
Richmond
Oakland
Petaluma
Los Angeles
Arguedas, Cassman & Headley
Berkley, Berkley & Andrews, CPAs
Carr & Ferrell LLP
Craig P. Kenny and Associates, LTD.
Kraft Opich LLP
Ellen Abel, CPA
Houldsworth, Russo and Co.
Law Office of Jane McNamara
Law Office of Markus Mueller-Dombois
Law Offices of Dennis J. Luca, Inc.
Law Offices of Esra Jung
Law Offices of Steven R. Jacobsen
Omar Gonzalez A Law Corporation
Payan & Frost CPAs, LLC
Walsh & Friedman, Ltd.
San Carlos
Union City
Lodi
Emeryville
Hayward
San Leandro
Union City
Los Angeles
American Canyon
Santa Rosa
Orange
Hayward
Chatsworth
Petaluma
Petaluma
Mountain View
San Jose
San Francisco
Hayward
San Francisco
Sacramento
Fremont
San Francisco
Berkeley
Las Vegas, NV
Menlo Park
Las Vegas, NV
Citrus Heights
San Francisco
Las Vegas, NV
Valencia
Stockton
San Jose
Sunnyvale
Oakland
Sacramento
Las Vegas, NV
Las Vegas, NV
Financial & Legal Services cont.
Tate & Associates
The Sudol Group
Uboldi, Heinke & Velladao, LLP
Berkeley
Las Vegas, NV
Napa
Health & Beauty Services
Acqua Med Spa
Berkeley Cuong Nhu Karate
Bio Essence Corporation
Casa de Maria Corporation
Cinta Aveda Institute
Gold’s Gym
Marilyn Jaegar Skincare Studio
Marin Elite Gymnastics Academy
Natural Nails
Shin’s Family Martial Arts Center
Studio International
Women’s Fitness Center
Wushu Central Martial Arts Academy
Yweight Spa
San Rafael
Berkeley
Richmond
Van Nuys
San Francisco
San Francisco
San Francisco
San Rafael
Los Gatos
Santa Clarita
San Francisco
Fairfax
San Jose
San Mateo
Home & Garden Services
Appleby Cleaning & Restoration
Arborwell
Creekside Landscaping, Inc.
Di Grande Brothers
Dominguez Landscape Services, Inc.
Exhibit Plant & Floral Co.
Gotfloor.com
Land Mosaics, Inc.
Medallion Landscape Management, Inc.
Out of the Woods Cabinetry, Inc.
Scientific Equipment Repair
Sheehy Creek, LLC
Stay-Green, Inc.
Steve Silva Plumbing, Inc.
Studio – D
T. Delaney/SEAM Studio
The Garden Spout, LLC
Treemasters Tree and Garden Care
Van Dorn Abed Landscape Architects, Inc.
San Leandro
Hayward
Redwood City
San Francisco
Sacramento
Hayward
Santa Clara
San Jose
Morgan Hill
San Rafael
Mountain View
Napa
Santa Clarita
Napa
San Francisco
San Francisco
Santa Rosa
San Rafael
San Francisco
Vanish Integrative Pest Control
Wilden Painting & Decorating
San Jose
Manteca
Hospitality
Amerihost Inn and Suites
Applewood Inn
Berkeley Rodeway Inn
Best Western Inn at Marine World
Chestelson House
Comfort Inn
Comfort Inn
Comfort Inn
Coral Reef Inn & Suites
Days Inn
Hampton Inn & Suites
Hampton Inn & Suites - SFO
Holiday Inn Express
Napa River Inn
Orr Hot Springs
Best Western Inn at Palm Springs
Ramada Suites
Sonoma Creek Inn
Stone Villa Inn
The Agate Cove Inn
The Olema Inn
Trojan Horse Inn
Ridgecrest
Livermore
Guerneville
Berkeley
Vallejo
St. Helena
Arcata
Corning
Vallejo
Alameda
San Jose
San Jose
Burlingame
Vacaville
Napa
Ukiah
Palm Springs
Buena Park
Mountain View
Bakersfield
Sonoma
San Mateo
Mendocino
Olema
Sonoma
Anaheim
Insurance Services
Benefit Resource Group
Bonafide Insurance Services, Inc.
EGCA Insurance Services, Inc.
Finegold Insurance Associates, Inc.
Golden Bells Insurance Agency
Michael Harris Insurance Services, Inc.
RAM Commercial Insurance Services, LLC
Stromsoe Insurance Agency, Inc.
Reno, NV
San Francisco
San Jose
San Francisco
Anaheim
Livermore
Morgan Hill
Murrieta
31
Manufacturing
American Bakery
Avalon Natural Cosmetics
Bergy Door & Window Company
Calmax Technology, Inc.
Corona Millworks
Custom Pad & Partition
Custom Silks Incorporated
Ethos Design, LLC
Fleenor Paper Company, Inc.
Flight Line Products, Inc.
Foam Distributors, Incorporated
Garota Fashion, Inc.
Glazier Iron Works, Inc.
Halus Power Systems
HPL Contracts, Inc.
Instone Marble & Granite, LLC
Integrated Optical Services Corp.
Jasan Fabricated Glass, Inc.
Keen-Kut Products
Kim Hong Noodle Co.
Landa’s Painting & Finishing, Inc.
Le Cache Premium
Dyna-Gro
Mass Precision Sheetmetal, Inc.
Miss Thing
Mulberry Thai Silks
New Tech Display
Pinnacle Manufacturing Corp.
Poetry Corporation
Printrex, Inc.
Salt & Pepper Clothing, Inc.
SFO Apparel
Stairbuilders, Inc.
Sutter Instrument Company
TDM Tiling, Inc.
The Shed Shop, Inc.
Tom Beard Company
Tulocay & Company, LLC
32
Hayward
Petaluma
Santa Rosa
Santa Clara
Chino
Santa Clara
San Francisco
Glendale
City of Industry
Stockton
Valencia
Hayward
Los Angeles
Hayward
San Leandro
Patterson
Oakland
Santa Clara
Los Angeles
Hayward
San Francisco
Fremont
Cotati
Richmond
San Jose
Los Angeles
San Rafael & Richmond
Los Angeles
Morgan Hill
Los Angeles
San Jose
Vernon
Brisbane
Stockton
Novato
San Carlos
Rancho Cordova
Cloverdale
Napa
Viking Door
Viking Semiconductor Equipment, Inc.
William Johnston Associates
Y.M.I Jeanswear, Inc.
Zenitram Manufacturing, Inc.
Medical & Dental Services
Advanced Chiropractic Center
Ali Heidari, D.D.S. and Ramin Moradi D.D.S., Inc.
Anthony Vitto, M.D., PH.D., FAAN
Armen A. Serebrakian, M.D.
BMAG, LLC
Clear Vision Optometry
Daliah Wachs, M.D. Integrative Family Medicine, Ltd.
Dermatology Medical Group of San Francisco, Inc.
Desert Oasis Clinic
Diane J. Lew
East Bay Dental Care
Aesthetic Dental Care of Union Square
Evergreen Eye Care Optometry, Inc.
Foster City Dental Care
Fremont Pediatric Medical Group
Grifall Family Chiropractic
Individualized Physical Therapy
John Compagno, M.D.
John K.S. Tong, D.D.S., Inc.
Loc Nguyen, D.M.D., Dental Corp.
Maggie Chau, M.D.
Matthew S. Menasco, D.M.D
Contra Costa Pediatrics
Mission Hills Endodontics
Mountain View Pedraza Dental Group, Inc.
Nancy D. Phan, D.D.S., M.S.
Northgate Medical Center, Inc.
Pacific Health and Healing Center
Pediatric Care Services, Inc.
Phuong T. Nguyen, D.D.S.
PT Works
San Jose
Fremont
Henderson
San Francisco
Los Angeles
Santa Clara
San Francisco
Aptos
Morgan Hill
Pinole
Santa Ana
Sunnyvale
Las Vegas, NV
San Francisco
Las Vegas, NV
Sunnyvale
Antioch
San Francisco
San Jose
San Mateo
Fremont
Morgan Hill
Morgan Hill
Hercules
Cupertino
San Jose
San Jose
Novato
Antioch
Castro Valley
Mountain View
San Jose
Sacramento
Fairfield
Claremont
San Bruno
Los Altos
Medical & Dental Services cont.
RAMBLC Pediatric Medical Group
R.J. Sondkar, D.D.S., Inc.
San Lucas Pediatric Clinic, Inc.
Shahla Heshmati, M.D.
Siamak Jafari Dental Corporation
Smile Dental
Sorour D.M.D., P.C.
Sunshine Chiropractic Clinic
Sycamore Medical Group
Symed Corporation
Tavallaei, D.M.D.
Tottori Allergy & Asthma Associates
Universal Chiropractic
Voltaire V. Sambajon, D.D.S., Inc.
Werner Institute of Balance and Dizziness, Inc.
Los Gatos
San Leandro
Sacramento
Irvine
Pittsburg
Hercules
Hawthorne
San Leandro
Hercules
Napa
Folsom
Las Vegas
Elk Grove
Folsom
Las Vegas
Nursing & Residential Care Services
Berkeley Springs Manor
Atherton Health Care
Canyon House Rest Homes
Eden Villa
Green Acres Retirement
HMC Health Care, Inc.
McGarr House
Mirabel Lodge
Antioch Convalescent Hospital
NCP College of Nursing
Palm Villas
Rose Garden Court
Sierra Home Healthcare Services
Sutro Heights Residential Care
Watsonville Residential Care
West-Com Nurse Call Systems, Inc.
Berkeley
Menlo Park
Menlo Park
Walnut Creek
Sonoma
Sunnyvale
San Anselmo
Forrestville
Antioch
Hayward
Redwood City
San Jose
Los Angeles
San Francisco
Watsonville
Fairfield
Print & Marketing Services
1185 Design
All American Label
BrandVia Alliance, Inc.
EBCO Print & Promotions, Inc.
Elastic Creative
Palo Alto
Dublin
San Jose
Pleasanton
San Francisco
Furious FX, Inc.
GraphiXStitch
GT Design & Graphics
InfoImage of California
Involution Studios, LLC
John McNeil Studio, Inc.
Nomad Printing & Services
Official Design Agency, LLC
On Demand Printing Center
Pentagram Design, Inc.
Praxis Product Design
Sam Hurwitz Productions
Smart Business Services, Inc.
The Sutta Company, Incorporated
Valpak of Las Vegas
Vision Isle
Zaudhaus
Real Estate Services
Balch Enterprises
Castle View Realty
C.C. Lending
Century 21 Mancheno Realty
Cornerstone Real Estate and Home Loans
South Beach Lending
Fidelity Brokers
Five-Star Mortgage, Inc.
Hilltop Financial Mortgage
I Realty
Mauri Financial Services Corp.
Meacham/Oppenheimer, Inc.
Platinum Mortgage Lending Corp.
Success One Financial
The Houghton Financial Corp.
The Loan Experts
Thomspon Brooks, Inc.
U.S. First American Mortgage Banker Corp.
Unifi Group, Inc.
Welcome Home Staging & Design, LLC
Burbank
San Jose
Simi Valley
Menlo Park
Sunnyvale
Berkeley
San Francisco
San Francisco
Los Angeles
San Francisco
Emeryville
Hollywood
Newark
Oakland
Las Vegas, NV
San Leandro
San Francisco
Hayward
San Jose
San Mateo
Richmond
Napa
San Francisco
Newark
San Jose
Sacramento
Henderson, NV
Brentwood
Campbell
San Jose
Fairfield
San Jose
Saratoga
San Francisco
Mill Valley
West Covina
Alameda
Dublin
33
Manufacturing
American Bakery
Avalon Natural Cosmetics
Bergy Door & Window Company
Calmax Technology, Inc.
Corona Millworks
Custom Pad & Partition
Custom Silks Incorporated
Ethos Design, LLC
Fleenor Paper Company, Inc.
Flight Line Products, Inc.
Foam Distributors, Incorporated
Garota Fashion, Inc.
Glazier Iron Works, Inc.
Halus Power Systems
HPL Contracts, Inc.
Instone Marble & Granite, LLC
Integrated Optical Services Corp.
Jasan Fabricated Glass, Inc.
Keen-Kut Products
Kim Hong Noodle Co.
Landa’s Painting & Finishing, Inc.
Le Cache Premium
Dyna-Gro
Mass Precision Sheetmetal, Inc.
Miss Thing
Mulberry Thai Silks
New Tech Display
Pinnacle Manufacturing Corp.
Poetry Corporation
Printrex, Inc.
Salt & Pepper Clothing, Inc.
SFO Apparel
Stairbuilders, Inc.
Sutter Instrument Company
TDM Tiling, Inc.
The Shed Shop, Inc.
Tom Beard Company
Tulocay & Company, LLC
32
Hayward
Petaluma
Santa Rosa
Santa Clara
Chino
Santa Clara
San Francisco
Glendale
City of Industry
Stockton
Valencia
Hayward
Los Angeles
Hayward
San Leandro
Patterson
Oakland
Santa Clara
Los Angeles
Hayward
San Francisco
Fremont
Cotati
Richmond
San Jose
Los Angeles
San Rafael & Richmond
Los Angeles
Morgan Hill
Los Angeles
San Jose
Vernon
Brisbane
Stockton
Novato
San Carlos
Rancho Cordova
Cloverdale
Napa
Viking Door
Viking Semiconductor Equipment, Inc.
William Johnston Associates
Y.M.I Jeanswear, Inc.
Zenitram Manufacturing, Inc.
Medical & Dental Services
Advanced Chiropractic Center
Ali Heidari, D.D.S. and Ramin Moradi D.D.S., Inc.
Anthony Vitto, M.D., PH.D., FAAN
Armen A. Serebrakian, M.D.
BMAG, LLC
Clear Vision Optometry
Daliah Wachs, M.D. Integrative Family Medicine, Ltd.
Dermatology Medical Group of San Francisco, Inc.
Desert Oasis Clinic
Diane J. Lew
East Bay Dental Care
Aesthetic Dental Care of Union Square
Evergreen Eye Care Optometry, Inc.
Foster City Dental Care
Fremont Pediatric Medical Group
Grifall Family Chiropractic
Individualized Physical Therapy
John Compagno, M.D.
John K.S. Tong, D.D.S., Inc.
Loc Nguyen, D.M.D., Dental Corp.
Maggie Chau, M.D.
Matthew S. Menasco, D.M.D
Contra Costa Pediatrics
Mission Hills Endodontics
Mountain View Pedraza Dental Group, Inc.
Nancy D. Phan, D.D.S., M.S.
Northgate Medical Center, Inc.
Pacific Health and Healing Center
Pediatric Care Services, Inc.
Phuong T. Nguyen, D.D.S.
PT Works
San Jose
Fremont
Henderson
San Francisco
Los Angeles
Santa Clara
San Francisco
Aptos
Morgan Hill
Pinole
Santa Ana
Sunnyvale
Las Vegas, NV
San Francisco
Las Vegas, NV
Sunnyvale
Antioch
San Francisco
San Jose
San Mateo
Fremont
Morgan Hill
Morgan Hill
Hercules
Cupertino
San Jose
San Jose
Novato
Antioch
Castro Valley
Mountain View
San Jose
Sacramento
Fairfield
Claremont
San Bruno
Los Altos
Medical & Dental Services cont.
RAMBLC Pediatric Medical Group
R.J. Sondkar, D.D.S., Inc.
San Lucas Pediatric Clinic, Inc.
Shahla Heshmati, M.D.
Siamak Jafari Dental Corporation
Smile Dental
Sorour D.M.D., P.C.
Sunshine Chiropractic Clinic
Sycamore Medical Group
Symed Corporation
Tavallaei, D.M.D.
Tottori Allergy & Asthma Associates
Universal Chiropractic
Voltaire V. Sambajon, D.D.S., Inc.
Werner Institute of Balance and Dizziness, Inc.
Los Gatos
San Leandro
Sacramento
Irvine
Pittsburg
Hercules
Hawthorne
San Leandro
Hercules
Napa
Folsom
Las Vegas
Elk Grove
Folsom
Las Vegas
Nursing & Residential Care Services
Berkeley Springs Manor
Atherton Health Care
Canyon House Rest Homes
Eden Villa
Green Acres Retirement
HMC Health Care, Inc.
McGarr House
Mirabel Lodge
Antioch Convalescent Hospital
NCP College of Nursing
Palm Villas
Rose Garden Court
Sierra Home Healthcare Services
Sutro Heights Residential Care
Watsonville Residential Care
West-Com Nurse Call Systems, Inc.
Berkeley
Menlo Park
Menlo Park
Walnut Creek
Sonoma
Sunnyvale
San Anselmo
Forrestville
Antioch
Hayward
Redwood City
San Jose
Los Angeles
San Francisco
Watsonville
Fairfield
Print & Marketing Services
1185 Design
All American Label
BrandVia Alliance, Inc.
EBCO Print & Promotions, Inc.
Elastic Creative
Palo Alto
Dublin
San Jose
Pleasanton
San Francisco
Furious FX, Inc.
GraphiXStitch
GT Design & Graphics
InfoImage of California
Involution Studios, LLC
John McNeil Studio, Inc.
Nomad Printing & Services
Official Design Agency, LLC
On Demand Printing Center
Pentagram Design, Inc.
Praxis Product Design
Sam Hurwitz Productions
Smart Business Services, Inc.
The Sutta Company, Incorporated
Valpak of Las Vegas
Vision Isle
Zaudhaus
Real Estate Services
Balch Enterprises
Castle View Realty
C.C. Lending
Century 21 Mancheno Realty
Cornerstone Real Estate and Home Loans
South Beach Lending
Fidelity Brokers
Five-Star Mortgage, Inc.
Hilltop Financial Mortgage
I Realty
Mauri Financial Services Corp.
Meacham/Oppenheimer, Inc.
Platinum Mortgage Lending Corp.
Success One Financial
The Houghton Financial Corp.
The Loan Experts
Thomspon Brooks, Inc.
U.S. First American Mortgage Banker Corp.
Unifi Group, Inc.
Welcome Home Staging & Design, LLC
Burbank
San Jose
Simi Valley
Menlo Park
Sunnyvale
Berkeley
San Francisco
San Francisco
Los Angeles
San Francisco
Emeryville
Hollywood
Newark
Oakland
Las Vegas, NV
San Leandro
San Francisco
Hayward
San Jose
San Mateo
Richmond
Napa
San Francisco
Newark
San Jose
Sacramento
Henderson, NV
Brentwood
Campbell
San Jose
Fairfield
San Jose
Saratoga
San Francisco
Mill Valley
West Covina
Alameda
Dublin
33
Restaurants, Bars & Food Services
A Black Tie Affair
Andy’s Bar-B-Que
Arby’s Roast Beef
Back Forty Texas BBQ
Bakery Express Café
Banana Leaf
Barbara Llewellyn Catering & Event Planning
Basil Canteen
Basil Thai Restaurant
By the Bay Baking
Caffe Roma Roasting Company
Choicelunch
Classical Catering
Coffee Klatch
Continental Caterers
Chavez Supermarket
Dragon City, Inc.
Elixir
Fina Estampa
Firehouse Grill and Brewery
Golden Pacific Brewing Company
Hockey Haven
House of Prime Rib
Jessie et Laurent
Jessup Cellars
Jessup Cellars Tasting Room
Korean Garden
Manresa Restaurant
Marin Cheese Company
Marina Food
Nagano Sushi Restaurant
O’Reilly’s Holy Grail
Original Joe’s
Original Mel’s
Orson
Paragon Restaurant & Bar
Pasta Sonoma
Picante
34
South SF
Santa Clara
Vacaville
Pleasant Hill
Palmdale
Palo Alto
Oakland
San Francisco
San Francisco
Oakland
San Francisco
San Jose
San Jose
Upland
Palo Alto
San Jose
South SF
San Francisco
San Francisco
East Palo Alto
Berkeley
San Francisco
San Francisco
San Rafael
Napa
Yountville
Las Vegas, NV
Rancho Cordova
Los Gatos
San Rafael
Fremont
San Francisco
San Francisco
San Francisco
San Francisco
San Francisco
San Francisco
Rohnert Park
Berkeley
Popeye’s Chicken
Sam's Anchor Café
Sandbox Bakery
Savoy Catering
Shalizaar Restaurant
Slanted Door
Swiss Louis Restaurant, Inc.
Taqueria Pancho Villa
Thai Issan Restaurant
The Cheese Steak Shop
The Spinnaker Restaurant
Vesuvio’s
Vik’s Chaat Corner & Market
Voila! Juices
Zuni Café
Retail
3 Day Suit Broker
Abbey Carpets
Amoeba Music
Artistic Touch
Asia Mart
Bamboo Reef Enterprises
Bellach’s Leather for Living
Berkeley Bowl Produce
Browns Valley Cleaners
Prestige Liquors & Wine
Captain Aqua’s Full Service Dive Center
Caratii Jewelers
Castaneda’s Marketplace
City Carpets
City Lights Books
Clay of the Land Pottery
Cottage Industry
County Square Market
Danny Thomas Party Rentals
Dittmer's Gourmet Meats & Wurst-Haus, Inc.
Dixon Hardware
Downtown Cellular
Ethan Allen Home Interiors
San Pablo
Tiburon
San Francisco
Oakland
Belmont
San Francisco
San Francisco
San Francisco
Sebastopol
Hercules
Sausalito
San Francisco
Berkeley
Oakland
San Francisco
Woodland Hills
San Francisco
San Francisco
North Las Vegas
Santa Rosa
San Francisco
San Francisco
Berkeley
Vacaville
Sacramento
Hayward
Livermore
Windsor
Cotati
San Francisco
Berkeley
San Francisco
Antioch
Sunnyvale
Los Altos
Dixon
Los Angeles
Fairfield
Retail cont.
Farinelli Fine Antiques
Fit-Tech Service, Inc.
Habite
Ifshin Violins
Lexann Pharmacy
Lola’s Market
Mephisto
Midnight Sun
Music Lovers
National Furniture Liquidators
Rincon Latino, Inc.
Simayof
Ted Levine Drum Co.
The Sports Basement
Urban Ore
Victoria Jewelry & Gifts
Wheelchairs of Berkeley
Wilderness Trail Bikes
Zuma Jay’s
San Francisco
Fairfield
San Francisco
Berkeley
San Jose
Santa Rosa
Walnut Creek
Healdsburg
San Francisco
San Lorenzo
Richmond
San Francisco
Los Altos
South El Monte
San Francisco
Berkeley
Hayward
Berkeley
Mill Valley
Malibu
Technology
American Probe & Technologies, Inc.
Bay Technology
Bayspec, Inc.
Betatron, Inc.
Biosearch Technologies, Inc.
Blackbag Technologies, Inc.
Bradford Technologies, Inc.
Coastland Civil Engineering, Inc.
Comtel Systems Engineering, Inc.
DocuStream, Inc.
Elim Biopharmaceuticals, Inc.
Guardian Computer Support, Inc.
Helio Solutions, Inc.
HT Precision Corporation
Hurricane Electric
Kelytech Corporation
Marin IT, Inc.
San Jose
Livermore
San Jose
San Jose
Novato
San Jose
San Jose
Santa Rosa
Sunnyvale
San Leandro
Hayward
Livermore
Santa Clara
San Jose
Fremont
San Leandro
Novato
Myntahl Corporation
Nick’s Machining
Primitive Logic, Inc.
Quality Assurance Engineering
Saitech, Inc.
Siegeworks, LLC
Sierra Tech Research, Inc.
Sky + Ltd. Engineering Technologies
Tech Soft America, LLC
Twinsoft, Inc.
Versatronics
Whizz Systems, Inc.
Fremont
Santa Clara
San Francisco
Oakland
Fremont
Livermore
San Jose
American Canyon
Berkeley
San Jose
Campbell
Santa Clara
Transportation, Moving & Storage
American Royal International, Inc.
Bay Area Kenworth
BayPorter Express
Black Tie Taxi
C & J Leasing, Inc.
East Bay Connection
J & B Towing
Korex Transport
Lima Towing
Lucero Trucking
Luxor Cabs
Main Street Moving & Storage
MDM Limousine & Sedan Service
Modern Parking, Inc.
National Towing & Transport
R. Lance & Sons, Co.
Roly’s Trucking, Inc.
Safetrans
Sausalito Moving & Storage
Shamrock Moving & Storage
Sooner Distribution Services
Transmeridian Warehouse Inc.
Wraich Transport
San Carlos
Sacramento
South SF
American Canyon
San Francisco
Concord
Oakland
Los Angeles
Santa Clara
Stockton
San Francisco
Petaluma
San Francisco
Los Angeles
Mountain View
Livermore
Irwindale
San Jose
Rohnert Park
San Francisco
Moorpark
Oakland
Fontana
35
Restaurants, Bars & Food Services
A Black Tie Affair
Andy’s Bar-B-Que
Arby’s Roast Beef
Back Forty Texas BBQ
Bakery Express Café
Banana Leaf
Barbara Llewellyn Catering & Event Planning
Basil Canteen
Basil Thai Restaurant
By the Bay Baking
Caffe Roma Roasting Company
Choicelunch
Classical Catering
Coffee Klatch
Continental Caterers
Chavez Supermarket
Dragon City, Inc.
Elixir
Fina Estampa
Firehouse Grill and Brewery
Golden Pacific Brewing Company
Hockey Haven
House of Prime Rib
Jessie et Laurent
Jessup Cellars
Jessup Cellars Tasting Room
Korean Garden
Manresa Restaurant
Marin Cheese Company
Marina Food
Nagano Sushi Restaurant
O’Reilly’s Holy Grail
Original Joe’s
Original Mel’s
Orson
Paragon Restaurant & Bar
Pasta Sonoma
Picante
34
South SF
Santa Clara
Vacaville
Pleasant Hill
Palmdale
Palo Alto
Oakland
San Francisco
San Francisco
Oakland
San Francisco
San Jose
San Jose
Upland
Palo Alto
San Jose
South SF
San Francisco
San Francisco
East Palo Alto
Berkeley
San Francisco
San Francisco
San Rafael
Napa
Yountville
Las Vegas, NV
Rancho Cordova
Los Gatos
San Rafael
Fremont
San Francisco
San Francisco
San Francisco
San Francisco
San Francisco
San Francisco
Rohnert Park
Berkeley
Popeye’s Chicken
Sam's Anchor Café
Sandbox Bakery
Savoy Catering
Shalizaar Restaurant
Slanted Door
Swiss Louis Restaurant, Inc.
Taqueria Pancho Villa
Thai Issan Restaurant
The Cheese Steak Shop
The Spinnaker Restaurant
Vesuvio’s
Vik’s Chaat Corner & Market
Voila! Juices
Zuni Café
Retail
3 Day Suit Broker
Abbey Carpets
Amoeba Music
Artistic Touch
Asia Mart
Bamboo Reef Enterprises
Bellach’s Leather for Living
Berkeley Bowl Produce
Browns Valley Cleaners
Prestige Liquors & Wine
Captain Aqua’s Full Service Dive Center
Caratii Jewelers
Castaneda’s Marketplace
City Carpets
City Lights Books
Clay of the Land Pottery
Cottage Industry
County Square Market
Danny Thomas Party Rentals
Dittmer's Gourmet Meats & Wurst-Haus, Inc.
Dixon Hardware
Downtown Cellular
Ethan Allen Home Interiors
San Pablo
Tiburon
San Francisco
Oakland
Belmont
San Francisco
San Francisco
San Francisco
Sebastopol
Hercules
Sausalito
San Francisco
Berkeley
Oakland
San Francisco
Woodland Hills
San Francisco
San Francisco
North Las Vegas
Santa Rosa
San Francisco
San Francisco
Berkeley
Vacaville
Sacramento
Hayward
Livermore
Windsor
Cotati
San Francisco
Berkeley
San Francisco
Antioch
Sunnyvale
Los Altos
Dixon
Los Angeles
Fairfield
Retail cont.
Farinelli Fine Antiques
Fit-Tech Service, Inc.
Habite
Ifshin Violins
Lexann Pharmacy
Lola’s Market
Mephisto
Midnight Sun
Music Lovers
National Furniture Liquidators
Rincon Latino, Inc.
Simayof
Ted Levine Drum Co.
The Sports Basement
Urban Ore
Victoria Jewelry & Gifts
Wheelchairs of Berkeley
Wilderness Trail Bikes
Zuma Jay’s
San Francisco
Fairfield
San Francisco
Berkeley
San Jose
Santa Rosa
Walnut Creek
Healdsburg
San Francisco
San Lorenzo
Richmond
San Francisco
Los Altos
South El Monte
San Francisco
Berkeley
Hayward
Berkeley
Mill Valley
Malibu
Technology
American Probe & Technologies, Inc.
Bay Technology
Bayspec, Inc.
Betatron, Inc.
Biosearch Technologies, Inc.
Blackbag Technologies, Inc.
Bradford Technologies, Inc.
Coastland Civil Engineering, Inc.
Comtel Systems Engineering, Inc.
DocuStream, Inc.
Elim Biopharmaceuticals, Inc.
Guardian Computer Support, Inc.
Helio Solutions, Inc.
HT Precision Corporation
Hurricane Electric
Kelytech Corporation
Marin IT, Inc.
San Jose
Livermore
San Jose
San Jose
Novato
San Jose
San Jose
Santa Rosa
Sunnyvale
San Leandro
Hayward
Livermore
Santa Clara
San Jose
Fremont
San Leandro
Novato
Myntahl Corporation
Nick’s Machining
Primitive Logic, Inc.
Quality Assurance Engineering
Saitech, Inc.
Siegeworks, LLC
Sierra Tech Research, Inc.
Sky + Ltd. Engineering Technologies
Tech Soft America, LLC
Twinsoft, Inc.
Versatronics
Whizz Systems, Inc.
Fremont
Santa Clara
San Francisco
Oakland
Fremont
Livermore
San Jose
American Canyon
Berkeley
San Jose
Campbell
Santa Clara
Transportation, Moving & Storage
American Royal International, Inc.
Bay Area Kenworth
BayPorter Express
Black Tie Taxi
C & J Leasing, Inc.
East Bay Connection
J & B Towing
Korex Transport
Lima Towing
Lucero Trucking
Luxor Cabs
Main Street Moving & Storage
MDM Limousine & Sedan Service
Modern Parking, Inc.
National Towing & Transport
R. Lance & Sons, Co.
Roly’s Trucking, Inc.
Safetrans
Sausalito Moving & Storage
Shamrock Moving & Storage
Sooner Distribution Services
Transmeridian Warehouse Inc.
Wraich Transport
San Carlos
Sacramento
South SF
American Canyon
San Francisco
Concord
Oakland
Los Angeles
Santa Clara
Stockton
San Francisco
Petaluma
San Francisco
Los Angeles
Mountain View
Livermore
Irwindale
San Jose
Rohnert Park
San Francisco
Moorpark
Oakland
Fontana
35
Alameda Pet Hospital
American Animal Hospital
Animal Allergy & Dermatology Specialists
Camino Real Pet Clinic
Dr. Ron’s Animal Hospital
El Camino Animal Hospital
Lightfoot Stables, Inc.
Pet Emergency & Specialty Center Marin
Redwood Veterinary Hospital
San Carlos Pet Hospital
Serra Veterinary Hospital
Silverado Veterinary Hospital
Simi Pet Care Center, Inc.
Special Veterinary Hospital – The Sams Clinic
Tappen Hill Boarding
TLC Pet Medical Center
Thornhill Pet Hospital
Veterinary Surgical Associates
36
Alameda
Fremont
Las Vegas, NV
Burlingame
Simi Valley
Palo Alto
San Jose
San Rafael
Vallejo
San Carlos
Sunnyvale
Napa
Simi Valley
Mill Valley
Sebastopol
West Hollywood
Oakland
Campbell
Kurt Chambliss
Ann Santiago
David Griffis
Jennifer Davis
SF East Bay • Northern California
San Francisco • SF North Bay
Northern California
Southern Nevada
Orange County
Southern California
Bruce Whitaker
Greater San Jose • SF Peninsula
Cindy Santilena
Southern Nevada
Rodney Kojima
Greater Los Angeles
Southern California
Jim Azevedo
Greater Sacramento
Northern California
Alameda Pet Hospital
American Animal Hospital
Animal Allergy & Dermatology Specialists
Camino Real Pet Clinic
Dr. Ron’s Animal Hospital
El Camino Animal Hospital
Lightfoot Stables, Inc.
Pet Emergency & Specialty Center Marin
Redwood Veterinary Hospital
San Carlos Pet Hospital
Serra Veterinary Hospital
Silverado Veterinary Hospital
Simi Pet Care Center, Inc.
Special Veterinary Hospital – The Sams Clinic
Tappen Hill Boarding
TLC Pet Medical Center
Thornhill Pet Hospital
Veterinary Surgical Associates
36
Alameda
Fremont
Las Vegas, NV
Burlingame
Simi Valley
Palo Alto
San Jose
San Rafael
Vallejo
San Carlos
Sunnyvale
Napa
Simi Valley
Mill Valley
Sebastopol
West Hollywood
Oakland
Campbell
Kurt Chambliss
Ann Santiago
David Griffis
Jennifer Davis
SF East Bay • Northern California
San Francisco • SF North Bay
Northern California
Southern Nevada
Orange County
Southern California
Bruce Whitaker
Greater San Jose • SF Peninsula
Cindy Santilena
Southern Nevada
Rodney Kojima
Greater Los Angeles
Southern California
Jim Azevedo
Greater Sacramento
Northern California
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