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Seeing our clients achieve key milestones is what drives our work at BCL of Texas. From startups that have expanded to multi-employee businesses to families buying their first homes, our success all comes down to you.
One of our early customers, BCL worked with Rudy Ruiz of Community Development Management, Inc. for an SBA 504 loan to help them grow their operations. Founded in 1979, Community Development Management is a consulting firm that works with communities across Central and South Texas for community development projects like public works, housing, disaster relief, parks and recreation, and economic development.
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From the sound of it, you would almost think Teresa Villanueva was running a nonprofit in addition to a full-service cafeteria, catering, and delivery company that focuses on providing healthy, homemade, affordable meals for everyone.
Teresa and her husband Juan incorporated several social benefits into their start-up, TV Dinners, as she began to realize the need for them. Started 4 years ago in the Housing Authority of the City of Austin (HACA) building, TV Dinners began by serving breakfast tacos, and in the beginning Teresa used the proceeds from one meal to purchase supplies for the next.
Ruth and Arnold Guerra were born and raised in Gonzales, Texas, where they have opened hotels, restaurants, and built homes to meet their community’s needs. “We started with nothing,” Ruth said. Now, they have built over 100 homes in their community of 7,000 people.
I visited the Guerras and we drove around the town, as Ruth pointed out both homes she and her husband had worked on, as well as other neighborhoods of older homes in states of disrepair. Gonzales has not had new home construction in a long time. “Big builders are not going to come into this town,” Ruth said. In a previous subdivision, a builder constructed about 5 homes and then left town, the work unfinished. We drove past a 17-home affordable subdivision of 3-bedroom homes the Guerras built in 2009.
Now, they are building Angel Oaks, a 6-home development for median income families, featuring 3-bedroom ranch-style homes with yards. A longtime customer of BCL, having worked with us in the past for an SBA 504 loan, the Guerra family is now working with BCL’s wholly-owned subsidiary, Texas Community Builders for our new pre-development loan product.
The demand for median-priced new housing in Gonzales is apparent, as five of the Angel Oaks homes have already been purchased, just as groundbreaking has barely begun. Most of the buyers are people of color, and all are first-time homeowners. “People are getting out of renting and into their first homes,” Ruth said.
And as with their hotels, their construction business is a family venture. They’ve taught their two daughters skills in construction, management, and project administration. “In the big city, you get a job and you learn one thing,” Ruth said. She said her daughters are now prepared with a wide range of skills to take on all kinds of jobs.
“I’m really glad that Texas Community Builders is investing in small developers,” Ruth said. “I appreciate that they saw that we have projects that will benefit individuals that probably never would have been able to buy a home. Without Texas Community Builders, we would not have been able to do this project.”
Junior Players, a non-profit that provides underserved kids with the opportunity to shine through summer and after-school arts programs in over 60 locations throughout North Texas, will be celebrating their 60th anniversary next year. In that time they have assisted thousands of children ages 5-18 from low-to-moderate income backgrounds to build their confidence, strengthen their social skills, learn to express themselves creatively, and transform their future.
Glenda Colmenero has always worked for herself. “I like to be responsible for my own success,” she said.
And after years of working in real estate in the 5,000-population town of Giddings, Texas, she was becoming frustrated with the difficulty for sending documents and receiving packages, which would often be left by the side of the road or under a tree hundreds of feet from the front door. So instead of complaining, Glenda decided to solve the problem. This June, she will be opening her own Business Depot, Giddings’ first-ever business supply and mail center.
Two unexpected neighbors on South Congress hit it off recently, rekindling a relationship that was started 8 years ago. Evan Streusand first connected with BCL of Texas for small business coaching through the City of Austin BizAid program when his business was in its beginning stage.
Brandon Ward’s story is one of passion, perseverance, and a willingness to take risks. After a successful career as a schoolteacher and school principal, Ward decided to pursue his dream of becoming a construction entrepreneur.
When Marquita Perkins contacted Habitat for Humanity in 2007, she didn’t expect to become a homeowner. She became involved with the organization when she was helping a member of her church find a home and in the process ended up submitting an application for herself. Marquita became Wharton Habitat for Humanity’s first homeowner, and her neighbor was the second.
Suite 500 Austin, TX 78701 P: 512.912.9884 F: 346.301.5752 NMLS #1114924
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