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Have you ever felt like you had so much debt you weren’t sure where to start even thinking about how to pay it off? Our customers Amber and Bryce, who paid off $40,000 in car and credit card debt in one year, have some advice: Go ahead and take the plunge now. “If you don’t jump now, your situation is still going to be the same a year from now,” Amber said.Read More
In a political climate where grant dollars and subsidies are dwindling, many nonprofit organizations are finding it difficult to stay sustainable and continue to deliver much-needed services to their community, having to turn to alternative funds, such as borrowed capital, to follow through on their mission. As Director of Community Development for BCL of Texas, I recognize that when organizations must take on debt to continue their programs, that debt must be as flexible and affordable as possible in order to reduce the burden on those the organization is committed to serve.Read More
A rising community star, BCL’s Andrea Allen was recently named an honoree for the 5th annual Who’s Who in Black Dallas awards.
With 15 years of mortgage industry experience, Andrea joined the BCL team in 2017 as Mortgage Processing Specialist. We sat down with her for a Q&A about what drives her passion for making a difference.Read More
While entrepreneurship and small business ownership for minorities including African Americans has made some progress over the past 60 years, there is still much to be done. In his famed 1968 speech “I’ve Been to the Mountaintop,” to assert black independence, King called on followers to strengthen black institutions and businesses by moving their money away from the white run business and banking establishments and depositing their dollars into black owned institutions.Read More
BCL is so proud to announce that Jackie Jones, our Director of Mortgage Lending, was named one of Mortgage Professional America’s Elite Women of 2018! MPA’s annual list features top women in the mortgage industry who are expertly leading and shaping a more diverse industry.Read More
While we celebrate the growth of small businesses ownership in the U.S, sadly the African American small business footprint has grown only to 14% of the 28 million small businesses in the nation. Most of this minority group is woefully underserved regarding growth capital and capacity building support.Read More
In October of 2009, my husband and I became first time homeowners. It was a huge accomplishment for us, and it gave us an opportunity to raise a family in our own home. Our first son was 8 months old when we became homeowners, and in 2014, we brought our second son home.Read More
A national poll from NeighborWorks America found nearly half of the taxpayers across the country expect to use their 2017 tax refund to strengthen their financial situation by either paying off debt or saving for the future. Financial capability counselors from BCL of Texas are ready to help you make the best decision possible when it comes to completing tax forms, saving and managing debt.Read More
If you want to start a business, you’ve probably thought of using your savings, asking friends and family for help, putting expenses on your credit card, and applying for a traditional bank loan. The first two options work well, provided you’ve got a little socked away and your nearest and dearest believe in your dreams as much as you do. The third could put your personal credit in serious jeopardy, not to mention racking up some crazy interest charges. The fourth, traditional bank loans, aren’t always easy to come by when you’re an entrepreneur (perhaps surprisingly). That’s where microloans come into the picture.Read More
It’s 10am in the office on a Wednesday and we’re comparing outfits to see who dressed best for the cold weather, and looking for reusable silverware and refillable water bottles for our eco-party. Later in the day, we all take a walk together, open the curtains to let in sunlight to warm the building, and compost our leftovers.Read More
In all the headlines about destruction and rebuilding in the wake of Hurricane Harvey, one narrative is consistently missing: the small Texas towns outside of the Houston area that are dealing with the same devastating impacts, but with less infrastructure, less national attention, and less support.Read More
BCL spent a full and productive day with community leaders discussing the future of Austin’s economic development policy this month. We expect to have some great information for our clients coming soon. And BCL of Texas Director of Entrepreneurship Brian K. Marshall was honored to participate in these key stakeholder discussions!Read More
Back to school season is upon us once again, and a parent’s job is never done. We hold many jobs, including being our children’s lifelong teachers. We don’t have all the answers and once in a while we need inspiration to be creative in our own household solutions.Read More
June is National HomeOwnership month, and the homebuying season is in full swing. Below are four tips to help you prepare to take the first step.Read More
Formed during an economic recession by rural Texas volunteers, CEN-TEX Certified Development Corporation (which would later be called BCL of Texas) has been bold and deliberate in its mission to build strong communities. As one of the co-founders, I have seen the growth and transformation since day one.Read More
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