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From YouTube: Mountain Community Capital Fund
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A
We
have
what
I
thought
was
going
to
be
a
light
agenda,
but
it
just
it
just
as
our
a
lot
to
talk
about
today,
I'm
going
to
jump
right
in
and
ask
folks
to
go
around
and
introduce
themselves
I'll
call
you
out,
as
I
go
around
the
brady
bunch
screen
here,
please
identify
yourself
as
a
city
or
county
appointee.
A
E
A
Very
good,
thank
you
all
right,
angelica!
Have
you
next.
G
I
Good
morning
my
name
is
dee
williams
and
I'm
appointed
by
the
city,
I'm
also
a
voting
member
and
I'm
the
president
of
d
williamson
company
inc
and
eagles
wings.
Community
development
corporation
of
western
north
carolina.
A
A
Be
on
the
lookout
for
there's
my
participant
tab
be
on
the
lookout
for
yazleen
gonzalez
from
mountain
biz
works.
She
has
an
agenda
item
coming
up
but
jessie.
If
she's
not
here,
are
you
able
look
at
this
there?
She
is
good
morning
ozzy.
I
was
just
saying
you
have
an
agenda
item
coming
up,
so
I'll
tell
how
I'm
gonna
be
on
the
lookout
for
you.
If
you
could
just
briefly
introduce
yourself
and
your
organization,
and
if
you
are
a
voting
member.
K
Yeah
sure
thing:
joslin,
gonzalez
mountain
bis
works
and
I
am
a
non-voting
member.
A
Very
good,
let
me
give
you
a
quick
shout
out
and
praise
gosling.
You
and
matt
did
a
fantastic
job
at
this
week's
county
commission
meeting
I
enjoyed
watching
that
you
guys
represented
us
both
representatives
committee
very
very
well.
So
thank
you
so
much
for
your
work
and
you
know
to
keep
this
thing
funded,
we'll
talk
about
that
in
a
few
moments.
Thank
you
so
welcome
everybody.
First,
I
would
like
to
ask
that
you
all
had
a
chance
if
you
all
had
a
chance
to
approve
the
minutes.
A
From
last
meeting
I
do
realize
I
sent
those
out
late,
angelica
and
I
are
working
on
calendar
reminders.
Excuse
me
calendar
reminders
to
make
sure
that
we
get
things
out
sooner,
so
you
all
have
more
time
to
review.
I
do
apologize,
for
that.
Has
everyone
had
a
chance
to
approve
the
minute
so
first,
let
me
take
a
step
back.
Do
we
need
to
prove
our
agenda?
A
Good,
okay,
so
then
to
the
minutes,
is
there
everyone's
had
a
chance
to
review?
Is
there
a
motion
to
approve
the
minutes.
A
A
A
We
are
tapped
out
of
funds,
we've
deployed
all
four
hundred
and
fifty
thousand
dollars
of
the
guarantee,
which
is
a
fantastic
achievement
in
the
what
almost
two
years
since
we've
been
able
to
actually
get
money
out
the
door
so
yeah
it's
great.
It's
certainly
an
accomplishment.
We're
gonna
look
at
some
of
that
data
today,
but
since
we
are
out,
we
want
to
replenish
these
funds
as
they
understand
it.
A
A
I
think
I
not
that
I
have
a
crystal
ball
and
not
that
I've,
like
you,
know,
arm
twisted
rachel
and
tim
to
find
out
how
it's
going,
but
it
seems
like
at
the
county
commission
meeting
it
was.
It
was
reviewed,
very
favorably
that
the
program
is
seen
as
successful
and
should
be
continued
to
be
funded.
So
we'll
know
about
that
shortly.
That's
where
we
are.
Hopefully
I
mean
if
those
two
come
in.
A
That's
not
two
million
dollars
which
would
you
know
whether
that
4x,
our
current,
you
know
grand
guarantee
amount
and
then,
of
course,
we'll
apply
the
city
and
again,
everything
is
looking
pretty
positive.
A
L
G
G
The
lead
applicant
is
mountain,
biz
works,
but
it
was
submitted
on
behalf
of
the
collaboration
of
funders
and
we
do
have
the
the
entity
self-help
ventures
fund,
which
is
actually
the
the
fund
holder.
So
if
awarded,
we
would
identify
the
recipient,
whether
that's
meant
to
biz
works,
who
submitted
the
grant
or
self-help
ventures
fund
the
holder
of
the
funds
either
way
these
are
federal
dollars,
so
they
do
come
with
requirements.
G
There's
a
fair
amount
of
documentation
that
will
go
into
place
to
establish
what
the
funds
can
be
used
for
and
reporting
back
on.
The
results
of
the
funds
in
terms
of
jobs,
created
jobs,
maintained
things
of
that
nature.
I
I
So
are
you
going
back
for
cdbg
and
other
funding
from
the
city
and
county
respectively
for
the
the
guaranteed
portion,
and
these
are
guaranteed
funds?
These
are
not
for
operations
correct.
That's.
A
Correct
as
as
more
guaranteed
funds,
so
yeah,
I'm
looking
to
to
this
committee
to
see
right
are
there
other
opportunities
besides,
the
arpa
dollars,
which
these
two
city
and
county
ones
are,
are
speaking
of
yeah.
Look
at
looking
for
feedback
and
insight
as
to
where
else
we
should
be
applying,
because
there's
clearly
significant
demand
for
these
funds.
G
K
K
K
H
If
I
could
tag
onto
that,
yes
lean,
I
think
that's
a
great
idea-
and
you
know
representing
county
of
course,
but
you
know
it's
always
great-
to
see
different
types
of
funds
for
these
types
of
programs,
so
that
it's
not
just
a
local
government
sort
of
funded
program.
H
I
think
it'd
be
great
if
we
could
see
some
private
sector
money
in
this,
and
I
hear
you
loud
and
clear
that
we
may
be
too
young,
but
I
think
that's
a
strong
selling
point
for
you
know
if
rejected
why
it's
important
to
have
local
government
funds,
but
also,
if
supported
by
private
sector.
It's
a
good
collaboration.
A
B
A
That's
a
great
question
that
I
would
lean
to
our
lenders
to
have
some
answer
for
that,
because
I
I'm,
like
you
wondering
what
that
is.
K
K
So
I
think
at
one
point
we're
always
going
to
have
to
go
out
in
in
in
and
apply
for
more
money
so
that
we
have
more
money
to
land.
However,
they
were
self-sustained,
so
it
is
going
to
take.
K
You
know
some
time
there,
but
we
just
right
right
now
because
of
the
environment
that
we're
in
still,
you
know
we're
still
coming
out
of
covid
and
there's
still.
Businesses
that
did
take
advantage
of
this
fund
are
still
in
the
recovery
phase
and
have
also
taken
other
recovery
dollars.
So
it's
just
it's
unknown
at
this
point.
I
Yes,
thanks
a
lot
jeff
and
and
thank
you
to
everybody
and
to
yasilyn
and
everybody
reporting.
One
of
the
things
that
we've
noted
is
that
there
is
not
a
a
mechanism
in
place
that
grows
these
businesses,
so
they
can
go
directly
to
banks
or
the
to
the
cdfis
without
these
guarantees,
and
so
that
is
something
that
I've
been
working
with
with
a
group
of
black
economic
development
professionals
from
across
the
state
and
a
few
from
just
right
around
here.
I
What
few
there
are
so
we're
seeing
without
seeing
the
actual
tax
returns
of
those
individuals
or
looking
at
those
financials,
I
venture
to
say
the
ones
that
I've
seen
indicate
a
certain
weakness
and
that
there's
a
lack
of
growing
these
businesses
to
where
they
are
commercially
viable
and
competitive.
So
that's
going
to
be
the
key
and
that's
what
some
of
us
are
working
on.
That's
all.
I
want
to
interject
it's
not
going
to
happen
magically
just
because
you
lend
somebody
some
money.
E
Yeah,
so
I
wanted
to
before
we
move
past
piggy
back
off
of
what
jason
was
saying
and
then
also
actually
what
he
was
saying
as
well.
So
I
I
think
at
this
point
the
question
shouldn't
be:
when
will
this
fund
be
sus
self-sustaining?
Because
the
answer
is,
it
may
never
be
self-sustaining,
given
loan
volume
over
time.
Typically,
loan
lost
reserves
like
this.
E
What
I
think
we
should
be
looking
for
is
looking
at
at
what
point
do
we
feel
like
the
fund
is
stable
and
that
we
have
a
good
idea
of
what
the
risk
is
and
the
risk
for
loss
is
and
then
based
on
that?
This
is
where
I
think
the
self-sustaining
piece
can
come
in
once
we
have
a
better
sense
of
what
the
portfolio
is
like
and
how
the
portfolio
is
performing
over
time.
E
Then
we
can
do.
We
can
go
back
and
look
at
okay,
given
the
existing
funds
that
we
have
because,
right
now,
it's
basically
a
one-to-one.
So
it's
an
85
guarantee
once
those
dollars
are
allocated
towards
a
guarantee.
That's
it.
So
the
next
question
would
be
okay.
Are
we
comfortable
given
how
the
loan
is
performing
and
given
what
the
portfolio
is?
Are
we
comfortable
leveraging
these
funds
so
that,
instead
of
having
more
of
a
one-to-one
relationship
with
outstanding
loans,
then
they
have?
E
E
E
Is
that
a
lot
of
these
businesses?
Yes?
Are
in
a
growth
phase,
but
I
do
think
that
is
it's
important
to
understand
too.
That
lending
is
very
healthy
and
thriving
businesses
also
benefit
from
loans
and
a
lot
in
a
lot
of
la
a
lot
of
businesses.
Specifically
black
and
brown.
Businesses
are
very
healthy
businesses,
but
still
lack
some
of
the
traditional
credit
box
requirements
that
this
fund
could
help
mitigate.
D
Thank
you
that
actually
clears
up.
Some
of
what
I
was
gonna
ask
mine
is
a
little
bit
more
of
a
logistical
question,
so
I
think
I
saw
on
the
report
from
last
time.
There
may
have
been
one
of
the
loans
that
were
like
refinanced
or
restructured,
and
so
it
was
like
kind
of
dropped
off
and
we
were
able
to
like
recycle
those
funds.
D
So
the
question
is:
if
we
are
able
to
mature,
the
companies,
help
them
mature
and
also
the
loans
themselves
get
closer
towards
maturity.
Would
what
do
you
guys
think
is
the
likelihood
that
businesses
would
essentially
borrow
for
the
whole
length
of
the
the
loan,
because
some
some
of
them,
I
think,
were
more
than
10
years?
I
think
the
shortest
one
was
like
six
or
seven
years
out,
but
I'm
just
wondering
if
you
know,
because
we're
so
young,
but
as
we
go
along,
we
may
have
loans
that
are
either
payback.
D
H
I
think
maui
great
question.
I
think
gasoline
kind
of
shared
expectations
on
some
of
the
loans
in
the
presentation
with
commission
I'll.
Let
yaselin
speak
to
that,
but
jesse.
I
think
what
you
just
brought
up
is
like
the
crux
of
the
questions
that
we're
hearing
from
our
board,
and
so
we
we
may.
The
questions
may
not
be
coming
in
in
the
way
that
they
need
to.
But
the
question
is:
how
do
we
impact
more
people?
H
All
our
board
is
seeking
is
how
do
we
get
to
you
know
from
1x
to
4x
or
whatever
it
is
so
that
we
get
more
people
guarantees,
especially
if
we
think
that
the
portfolio
isn't
that
risky,
and
I
know
it's
it's
young,
but
when
we
pitch
this
based
on
the
mecklenburg
model,
we
were
saying
we
only
saw
like
you
know:
five
percent,
you
know
rate
of
a
failure,
so
I
I
think
that's
kind
of
the
the
mix
and
I
know
we
got
to
get
there.
But
that's
the
question.
E
Yeah,
so
I
manage
the
charlotte
community
capital
fund
for
five
years
now.
So
I
can
comment
on
that
and
I
think
what
is
helpful
is
that
the
bulk
of
those,
I
would
say,
failures,
the
bulk
of
the
defaults
that
ended
up
being
charged
off
were
the
bulk
of
them
were
associated
with
significant
economic
downturn
in
2008,
2009
and
2010.,
and
that
so
I
think
you
know,
there's
part
of
portfolio.
E
Every
loan
portfolio
is
subject
to
economic
conditions,
and
so
I
think
and
then
to
go
to
your
initial
point
in
terms
of
how
do
we
impact
more
people?
I
think
I
actually
think
that
this
committee
is
on
the
right
track,
so
you
had
some
test
dollars
to
see.
If
there's
a
market
for
it,
there
is
150
a
market
for
it.
E
So
then
you
grow
the
fund,
the
pool
of
money
enough
to
do
more
lending,
which
should
get
us
to
two
three
years
out,
which
is
enough
time
to
really
evaluate
the
portfolio,
especially
as
we're
coming
out
of
an
economic
depression.
Fingers
crossed
it
still
stays
inflation's
a
whole
thing,
but
anyway,
to
sort
of
evaluate
where
the
portfolio
is
and
that's
that's
the
opportune
time
to
then
talk
about.
Okay,
are
we
comfortable
leveraging
the
fund
and
when
I
say
leveraging
the
fund
I
mean?
Are
we
are
we?
E
E
A
Well,
I
want
to
say
that
we
are
20
minutes
over
on
our
agenda
on
this
topic,
because
we've
discussed
a
lot
of
issues
that
I
think
have
been
bubbling
up
around
the
fund,
and
so
I'm
fine
with
discussing
it
and
there's
a
certain
amount
of
kind
of
group
maturity
we're
going
through,
as
we
understand
the
ins
and
outs
of
this,
this
type
of
lending
and
intricacies
of
the
industry.
A
So
I
want
to
thank
you
all
for
your
comments,
but
I
do
want
to
bring
this
topic
to
a
close
and
move
on
to
the
rest
of
the
agenda
and
but
at
the
the
level
that
this
group
is
now
operating
at
any
kind
of
discussions.
We're
having
I'm
very
proud
to
be
a
a
committee
with
you
folks
with
that
we're
going
to
move
into
new
business.
A
The
first
is
a
recommendation
on
loan
presentations
by
joslin
and
jesse
and
to
the
context
around
this
came
out
of
I
guess
a
couple
meetings
ago.
A
I
heard
from
a
number
of
you
that
I'll
paraphrase
in
my
own
words,
we
seem
to
be
improvising
our
way
through
loan
presentations.
There's
a
real,
delicate
balance
between
what's
private
information,
what
we
can't
release
what
we
can't
reveal,
but
what
kind
of
information
we
all
need
to
make
a
decision.
So
we're
not!
A
You
know
essentially
rubber
stamping
what
comes
through
to
be
able
to
make
a
you
know,
act
as
fiduciaries
of
this
public
funds
to
approve
things
that
we
feel
confident
about
so
having
enough
information
that
we're
making
good
decisions,
but
not
enough
information
that
we're
violating
anyone's
private
information
so
with
that
yazlin
and
jesse
are
going
to
take
the
next
chunk
of
time
to
share.
A
I
don't
know
if
I
would
go
as
far
as
a
proposal,
because
there's
probably
still
room
for
discussion
and
improvement
and
feedback,
but
we're
where
we're
headed
with
a
more
formalized
process
process
ties
professionalized
loan
presentation
model
for
our
group.
E
B
E
So
jason-
and
I
and
I
got
together
to
talk
about
how
we
can
do
a
better
job
of
presenting
portfolio
information
for
a
couple
of
reasons.
One.
We
wanted
to
make
sure
that
we
were
making
it
easier
for
the
committee
to
pull
out
trends
and
triggers
and
the
second,
the
second
and
third
reason
general
data
tracking,
but
also
as
we're
getting
more
money
and
the
reporting
requirements
for
these
dollars.
It's
better
to
head
off
reporting
requirements
and
already
have
that
data
in
place.
E
That's
easy
to
pull
than
it
is
to
dig
back
and
try
and
find
it
so
based
off
of
our
both
of
our
experiences
with
prior
grant
dollars
and
prior
funds
pulled
out.
Some
of
these
key
data
points
that
we
may
or
may
not
need
to
be
sharing
with
some
of
our
funders,
so
that
was
sort
of
the
impetus
behind
the
quarterly
report
overview
and
all
of
this,
while
not
I'm
still
working
on
the
excel
sheet
to
get
it
all
automated,
because
there's
some
a
few
little
glitches.
E
E
These
sorry
right
here
we
have
our
current
maximum
lending
amount
dollars
just
to
keep
everybody
in
the
same
frame
of
mind.
Hopefully
those
numbers
will
grow
quite
a
bit
in
the
coming
months
and
then
the
orange
part
are
our
trigger
points.
So
that's
according
to
the
services
and
duties
agreement
for
this
operating
committee.
E
These
are
three
of
the
key
areas
that
we
have
got
to
monitor
on
a
portfolio
level
every
quarter,
because
if
any
of
these
trigger
points
are
reached,
then
the
operating
committee
has
to
decide
action
like
putting
a
moratorium
on
the
fund,
or
there
are
a
couple
of
different
action
items
that
need
to
happen.
First
of
all
is
the
utilization
rate,
so
that
would
be
the
maximum
lending
amount.
This
says
67
right
now,
because
this
report
overview
it
only
includes
loans
that
have
been
closed,
because
jason
will
talk
a
little
bit
later.
E
There
are
what
four
or
five
that
have
been
approved
but
haven't
yet
been
closed,
but
because
we
know
that
things
can
happen
between
approval
and
closing,
just
counting
the
actual,
closed
and
dispersed
dollars,
then
there's
delinquency,
a
delinquency
section
which
is
great
to
monitor,
because
one
of
the
trigger
points
is
that
our
delinquents
dollars
as
a
percentage
of
the
outstanding
balance
of
loans
can't
exceed
20
percent.
E
Great
thing
is:
is
that
we're
at
zero?
We
don't
have
delinquent
loans
and
then
the
third
trigger
point
that
needs
to
be
monitored
regularly
is
the
charge-off
amount?
E
That
would
be
the
credit
loss
which
cannot
exceed
five
percent
according
to
the
services
and
duties
agreement,
we
also
included
payoff,
because
that
also
helps
speak
to
the
health
and
the
cyclical
nature
of
of
this
fund
and
then,
as
most
grant
excuse
me
fun
most
places
where
we're
trying
to
get
funding
so
the
county,
the
city
specifically
dollars
federal
dollars,
they're
going
to
want
some
demographic
information,
and
so
this
is
a
way
to
track
the
performance
of
the
fund
based
on
self-reported
demographics.
E
G
Thank
you
for
that
overview.
Jesse.
I'm
really
excited
about
this
format,
because
I
think
it
will
help
us
have
the
ability
to
to
monitor
and,
like
you
said,
notice,
those
trends
in
the
in
the
triggers.
G
Maybe
we
can
take
this
after
the
meeting
and
look
at
it
more
detail
and
bring
feedback,
but
at
first
glance
I'm
really
happy
about
what
I'm
seeing
a
question
that
I
have
is
about
jobs.
Are
we
tracking
jobs
and
can
that
be
added
here?
Certainly.
E
It's
not
on
here
it
can
be
added
here
yeah.
This
is
a
proposal
that
we're
this
will
be
iterative
until
we
get
it
right.
Hopefully,
next
month,
maui.
D
Yes,
to
like
helpful
bits
of
information,
I
think
for
me-
and
maybe
others
on
on
this
committee
is
since
we
don't
have
a
long
history
of
you
know
this
committee.
I
think
one
of
our
probably
leading
indicators
of
risk
at
this
point
may
be
credit
scoring,
and
so
I
was
wondering
if
there's
a
way
to
incorporate
average
credit
score
into
this.
E
No,
we
can't
do
that.
That's
not
information
that
we
can
release,
but
I
think
now,
you'd
also
bring
up
a
really
good
point
and
jeff
and
tim
tell
me
if
what
you
think
about
this
idea,
but
I
know
that
we've
got
some
new
members
and
I
know
we've
got
a
lot
of
money
coming
in,
and
so
I
was
wondering,
if
maybe
we
could
take
some
time
in
the
next
meeting
to
review
the
services
and
duties
agreement
about
what
is
the
role
of
the
operating
committee?
E
E
Just
so
that
just
to
kind
of
clarify
what
our
role
is
when
we're
looking
at
these
numbers,
we,
when
y'all,
are
looking
at
these
numbers
and
talking
about
it,
but
then
also
just
to
give
the
committee
a
refresher
on
the
underwriting
guidelines
that
that
we,
as
lenders
are
using,
which
may
help
speak
to
a
better
understanding
of
what
the
risk
is.
E
So
I
you
know,
that's
information
that
can
be
sent
out
beforehand
or
right
after
this
meeting,
but
it
I
don't
know
it
might
be
nice
to
either
in
a
this
open
public
session
or
offline
talk
through
some
of
that.
So
I'll
leave
that
to
you
guys
to
decide,
but
it
was
just
an
id
id
sorry.
I
You
and
I
apologize
thank
you
and
I
apologize
for
the
delay.
Thank
you
for
the
presentation
as
well.
I
was
just
wondering
if
the
refinancings
are
part
and
parcel
of
this
from
an
actuarial
standpoint.
Those
refinances
are
triggered
also
in
the
operating
agreement
is,
is
there
a
spot
on
here
for
those
or
no.
I
That
would
be
good
because
that
is
a
trigger
for
us
in
the
operating
agreement.
The
other
question
I
guess,
goes
to
the
cdfis
in
the
operating
agreement
or
the
underwriting.
Whatever
documents
we're
going
to
peruse,
we
only
have
one
lender,
that's
participating
in
being
a
portfolio
manager
or
taking
on
the
risk
of
these
loans.
Is
this?
Are
there
different
roles
for
the
lenders?
I
The
cdfis,
I
should
say
other
than,
as
you
say,
the
holder
of
the
fund
and
self-help
and
the
whatever
are
all
of
them
going
to
be
making
loans
and
if
there's
a
manpower
problem
or
whatever,
I
guess,
I'm
just
looking
at
the
way
that
it
really
operates.
There
seems
to
be
just
only
one
lender,
which
is
mountain
biz
cap
of
mountain
biz
works.
Can
it
operate
differently?
I
Do
you
have
the
capability
of
taking
these
loans
on
other
cdfis,
and
I
guess
I
self-help
since
you're
the
holder,
can
you
take
some
on
and
carolina
small
business
fund?
Can
they
take
some
on
by
take
some
on,
you
mean,
take
the
loans
package,
the
loans
put
them
on
their
portfolio
because
so
far
mountain
biz
works
is
the
only
one
that
has
done
that.
E
On
the
fund,
where
self-help
mountain
biz
works
and
carolina
small
business
development
right
they're
authorized
lenders,
meaning
that
if
we
come
across
a
loan
that
we
have
that
we
wouldn't
otherwise
be
able
to
do,
but
for
having
this
guarantee
program,
that's
when
we
would
bring
that
loan.
I
E
Well,
I
can't
speak
to
what
about
your
small
business,
but
I
can
speak
to
self-help.
Okay,
I
I'm
a
little
confused
by
what
you
mean
by
taking
on
we.
We.
I
Understand
your
books,
putting
on
your
books,
you
haven't
seen
one
that
you
would
want
to
do
without
using
the
guarantee.
I
mean
we're
doing
some
mannequins
here
now.
In
other
words,
mountain
biz
works
is
the
only
one
that
has
done
the
loans
has
put
them
on
their
books
with
the
guarantee
yeah.
Are
there
others.
A
Tara
has
answered
it
in
the
chat
regarding
self-help
is
generally
above
the
dollar
amount
of
this
fund,
hence
to
be
much
out
of
their
scope.
A
If
our
fund
operating
agreement
changes
and
our
loan
amount
changes,
I
could
see
self-help
doing
more
of
the
loans,
but
I
don't
want
that
to
be
seen
as
them
not
doing
good
work
for
this
committee,
which
you
can
see
that,
obviously
we
all
see
jesse
has
been
tariffs,
an
incredible
amount
of
work
to
and,
on
the
back
end,
with
our
grant
applications
to
make
sure
that
this
committee
is
successful.
E
Yeah,
I
I
I
also
real
quick
and
then
I
will
let
jason
talk
about
the
loan
fund
presentation,
because
I
think
there
is
an
undercurrent
question
of
because,
as
of
now,
so
the
three
different
lenders
that
are
authorized
lenders
on
this
fund
have
different
strengths
from
a
lending
perspective
and
and
therefore
will
bring
different
types
of
loans.
It
is
not
a
weakness
of
this
program
to
have
mountain
biz
works.
Do
a
bulk
of
these
smaller
dollar
loans.
E
In
fact,
that's
the
reason
that
they're
an
authorized
lender
on
this
loan,
and
I
also
think
there
is,
if
you
know,
people
are
concerned
about
having
one
lender,
do
a
lot
of
these
loans.
That's
why
we
have
the
common
underwriting
agreement,
because
we
know
that
whether
the
loan
is
coming
from
mountain
bis,
works
or
self-help,
or
carolina
small
business
that
there's
still
there
are
common
underwriting
requirements
that
every
single
lender
has
to
adhere
to.
In
order
to
be
able
to
use
this
fund
as
a
guarantee.
E
A
Me
ask
a
question
regarding
the
credit
score
average
on
the
current
loan
presentation
form.
We
do
see
credit
scores
unless
that's
being
removed.
That's
why
I
wonder
if
we
could
have
that
included
on
the
I
love
by
the
way,
the
dashboard
look
and
how
it's
aggregating
itself-
and
you
know
you
don't
bring
feelings
to
a
data
fight,
and
this
gives
us
everything
we
need
to
to
make
better
decisions.
So
thank
you
so
much
for
that.
A
But
that's
my
one
clarifying
question:
if
we
currently
have
credit
scores
on
the
loan
presentation,
if
that's
going
to
change
jazlyn,
let
me
know
if
it's
already
out
there
could
it
be
included
on
the
dashboard.
E
I'm
going
to
jump
in
and
say
so
in
the
loan
underwriting
requirements,
there's
a
general
credit
score
threshold.
I
feel
like
the
credit
score
should
only
be
disclosed
if,
for
some
reason,
there's
a
there
is
a
compelling
reason
to
dip
below
the
authorized
credit
score.
Otherwise,
that's
not
information
that
is
should
be
shared.
E
K
Okay,
can
everybody
see
this
yep,
okay
and
first
off?
I
just
want
to
say
this
is
just
a
suggestion
of
presentations
going
forward.
So
there
are
some
things
that
we
we
can
change
and
we
may
change
actually
and
we
can
also
the
lenders
if
jesse
and
and
and
tara
want
to
get
together
and
another
member
want
to
get
together
and
maybe
work
on
something
else
happy
to.
K
However,
this
is
kind
of
our
and
I
took
this
from
our
own
credit
memo
presentation
that
mountain
best
books
uses.
So
I
just
want
to
point
that
out.
K
K
K
Sorry
in
the
mission
fit
area,
they
are
where
they're
located,
of
course,
the
amount,
and
then
it
does
talk
a
little
bit
about
the
risk
assessment,
which
I
think
may
be
helpful
to
to
go
over
and
and
see.
And
then
this
does
have
credit
score.
K
K
So
it's
it
does
give
a
little
bit
more
information
there
like
I
said
it
can
be
adjusted
a
little
bit.
A
And
yeah
a
couple
couple
factors
joseline,
and
I
think
this
is
this-
is
helpful
and
I
could
see
this
you
know
being
presented
walking
us
the
narrative
of
the
business,
which
is,
I
think,
what
we're
looking
for
to
understand
the
context
of
what
we're
looking
to
fund
other
than
you
know.
What's
on
paper,
so
first,
it
jumps
out
to
me
is
proposed
risk
grade
of
three.
A
You
know,
that's
that's
unique
jargon
to
me
out
of
a
hundred
out
of
ten
out
of
five.
So
maybe,
if
there's.
K
A
piece
out-
yeah,
that's
just
mountain
bis,
works
risk
rating.
What
we
usually
start
businesses
at
from
a
one
to
six.
A
Okay,
but
yeah,
if
you
take
it
out,
I'm
I
don't
know
I
kind
of
like
keeping
it
in,
but
just
understand
the
scale
is
one
high.
Is
one
low
that
kind
of
stuff?
Okay,
maybe
an
example
of
what's
a
one
business
with
a
six
business,
so
we
can
see
where
this
fits
in
under
the
nakes
item
of
retail.
A
So
that's
not
how
I'm
familiar
with
next
codes.
I
know
we've
been
using
retail
or
service
in
our
lingo
through
the
committee
for
the
past
couple
of
years.
I'd
like
to
see
that
have
a
lot
more
detail.
So
obviously
we
don't
want
to
reveal
the
exact
business,
but
you
can
drill
down
pretty
low
into
next
codes.
Even
if
it's
you
know
a
quick
service,
countertop
restaurant
or
a
sit
down.
Restaurant
like
they'll,
get
those
kind
of
very
granular
details
with
nakes
codes.
A
A
I
And
I'll
try
to
be
very
quick
thanks
for
taking
my
question,
I
just
wondered:
if
there's
an
area
on
the
sheet,
first
of
all,
does
it
replace
the
sheet
that
jane
hadley
and
I
worked
on?
We
were
doing
the
nexus
codes
on
it,
coupled
with
the
demographic
data.
Also,
does
it
have
an
area
for
refinancing
on
from
existing
portfolio
and
and
pretty
much
just
to
get
an
idea
of
what
this
form
does?
I
Does
it
replace
the
one
that
we
put
out
earlier,
some
of
y'all
were
there
when
we
worked
on
it
and
we
much
discussion
and
the
committee
approved
it.
So
just
basically
want
to
answer
those
questions.
A
A
That
briefly,
dee
that
she
was,
I
think,
a
very
strong
starting
point
and
has
much
of
this
information.
I
think
this
is
more
expanded
to
give
us
more
detail
for
the
narrative
of
what
we're
funding.
I
Okay,
so
it
does
replace
it.
I
might
understand
that.
Yes,
yes,
okay,
what
about
demographic
data
is
that
there
too,
because
that
was
a
something
that
we
also
the
nasix
cause.
I'm
glad
you
brought
it
up.
That's
the
only
thing
that
really
triggered,
because
I'm
a
big
one
on
those
codes,
two,
that's
the
one
unique
thing
that
we
did
put
forward.
I
just
wanted
to
sort
of
reference
that
we
did
have
a
form.
I
A
lot
of
y'all
are
new
and
don't
know
it,
but
we
did
and
we
did
work
on
it
and
the
committee
did
approve
it.
So
that's
the
only
thing
that
even
let
me
think
that
what
work
we
started
with
was
expounded
upon.
So
I
just
wanted
to
make
that
clear
and
also
is
an
area
for
refinancing.
B
I
It's
a
trigger
under
the
operating
agreement
is
a
trigger
that
stops
any
a
certain
number
of
refinancing
stops
those
loans
from
going
forward
in
the
operating
agreement
that
the
city
set
up
and
that
charlotte
has
too.
I
I
think
we
went
over
that
at
one
point.
It
was
a
trigger
to
stop
lending
all
together,
so
we
do
need
to
know
if
these
are
refinances.
I
A
Piece
of
perspective
to
that
we're
small
enough
committing
small
enough
town
that
we
can
track
the
narrative
of
these
entrepreneurial
journeys,
and
so
the
refi
to
me
is
part
of
the
context
of
the
story
of
the
founder.
I
A
You
yeah
thank
you.
Dee
jesse
has
a
number
of
items
in
the
operating
agreement
that
she's
going
to
be
suggesting
we
reevaluate
in
the
coming
meetings,
and
so,
let's
make
sure
that
refinancing
is
considered
in
that
discussion
as
well,
I
think
tara's
hand
went
up
before
angelica's
tara.
Do
you
want
to
go.
F
So
I
would
say
in
my
opinion,
I
agree
that
the
code
is
good
and
general
enough
that
it
probably
wouldn't
be
identifiable,
but
only
that
two-digit
code,
because
that's
just
the
general
category,
like
retail,
you
know
manufacturing
that
kind
of
thing.
But
if
you
give
the
full
code,
then
it
might
be
more
identifiable
because
it
gets
more
specific
about
what
type
of
business
it
is,
and
I
know
we've
been
through
this
conversation
before
that.
F
A
F
F
I
remember
one
time
they
said
this
is
a
screen,
printing
and
sneaker
business,
and
you
know
I
absolutely
knew
which
business
that
that
was,
and
so
it's
some
balance
there,
and
I
don't
know
you
know
what
the
right
answer
is,
but
I
do
think
there
are
cases
where,
if
we
use
the
full
code,
it
would
be.
You
know
easily
identifiable,
because
we
do
have
such
a
small
entrepreneurship
community.
A
Do
you
feel
good
about
that?
I
think
just
calling
retailer
service
or
food
is
too
generic,
but
I
also
agree
you
know
you're,
giving
away
the
goose
when
you
when
you
give
that
much
detail.
A
C
Yes,
I
just
wanted
to
make
the
committee
aware,
because
I've
seen
a
lot
of
activity
in
the
chat,
that
the
way
that
we
need
to
run
virtual
public
meetings
is,
if
you
have
something
material
to
the
conversation
to
say,
you
should
speak
it
out
loud
rather
than
to
put
it
in
the
chat,
because
if
it
goes
in
the
chat,
you
know
it
may
not
be
entirely
captured
in
the
video
view,
and
that
can
make
it
difficult.
Also
for
people
who
have
visual
disabilities
and
are
just
listening
along
them.
A
Very
good,
thank
you
for
that
reminder.
Angelica,
don't
know
what
we
would
do
without
you
do
you
have
a
hand
up
and
then
rachel
yeah.
I
Just
yeah
thanks
a
lot
for
just
recognizing
me.
Well,
I
know
we
all
have
opinions,
but
there's
legal
issues
too,
and
I
think,
if
we're
going
to
look
at
putting
the
north
american
standard
industrial
classification
codes
in
there's
very
few
places,
you
can
go
where
you
don't
use
the
nasa's
code.
This
is
a
small
town.
I
That's
true,
and
everybody
kind
of
knows
everybody,
especially
when
you
look
like
me,
but
this
is
ridiculous:
we're
here
to
make
consummate
decisions
and
if
we're
gonna
get
really
technical
about
it,
pii,
that's
not
real.
I
mean,
let's
put
it
this
way.
If
you're
gonna
make
a
legal
decision,
you
need
to
consult
an
attorney.
We
got
a
city
attorney
and
we
have
a
county
attorney,
so
it
may
be
that
we
need
to
go
to
them
like
we
did
the
last
time
about
this
form.
I
G
I
appreciate
these
comment.
It
tees
me
up
to
the
procedural
kind
of
thinking
where
I
I'm
sitting
and
taking
notes,
and
I've
made
a
note
both
on
the
reporting
template
and
on
this
credit
memo
and
term
sheet
of
all
the
proposed
revisions.
I'd
be
happy
to
send
that
to
jesse
and
yes
lean,
so
that
you've
got
the
lists
of
things
that
people
categories
of
topics
people
mentioned.
G
I
think
what
I
heard
is
that
you
all
would
look
at
those
two
documents
with
these
revisions
suggestions
in
mind
and
then
send
a
copy
out
to
the
group,
I'd
like
to
propose
that
we
that
we
consider
approving
it
with
the
vote
jeff,
you
were
saying
you
weren't
sure
whether
or
not
this
would
be
adopted
by
vote,
but
maybe
next
meeting
we
could
take
a
vote
on
it,
but
with
these
suggestions,
if
we
need
to
add
the
step
in
of
legal
review
before
it
gets
there,
it
would
be
worth
waiting
for
the
next
month.
A
A
And
then
I
will
also
echo
carl
and
I
think
it
is
important
to
keep
the
collateral
in
if
and
when
there
is
collateral
with
the
business.
If
there's
no
collateral,
because
I
don't
know
it's
a
software
business
and
they
got
three
laptops,
we
should
know
that
too
and
again
I
understand
our
our
fund
is
there
to
help
people
without
collateral,
but
I
think
that
refers
to
a
personal
rather
than
business,
collateral
right.
A
B
G
A
Oh-
and
I
will
share
that
on
the
previous
pii
form,
I'm
sorry
the
proposal
form
by
d
and
jane.
I
really
liked
seeing
the
I
think
it
was
a
table
with
revenues
and
profits
for
the
previous
years.
So
you
have
a
revenue
and
net
profit
sell.
A
A
A
That's
acceptable
to
everyone
else.
So
at
the
next
meeting
we
can
look
at
oh
I'm
seeing
somebody
hands
up
so
I'll
finish
that
thought.
Thank
you.
Dee
appreciate
your
time
at
the
next
meeting.
Look
at
right,
jessie,
I
am
addressing
you
here.
Do
you.
G
E
E
Are
we,
I
don't
think
we're
updating
the
operating
agreement
that
certainly
that
can
be
put
on
the
table?
I
think
we're
reviewing
the
operating
agreement
to
make
sure
that
our
new
members
and
our
members
that
we're
all
working
on
the
same
page
so
like
for
one
one
thing
that
is
we
need
to
reintroduce
and
talk
about
is
the
fact
that
there
is
a
credit
underwriting
committee.
That
is
a
subcommittee
on
this
operating
committee
and
it's
this
credit
underwriting
committee's
responsibility
to
do
us
a
general
review
of
loans
over
seventy
thousand
dollars.
A
And
that's
where
I
was
going
with
that
so
actually
from
this
section
is
to
take
the
proposed
changes
to
jazlyn
and
jesse.
I'm
going
to
ask
vice
chair
love
to
lead
circulating
that
with
the
attorneys
and
then
bringing
that
to
the
next
meeting
for
approval.
A
D
Yes,
so
just
as
we're
taking
as
rachel's
taking
down
like
the
things
that
we've
I
mean
the
the
proposal
that
we
just
saw
with
that
outline
it
it's
quite
a
bit
more
detailed
than
some
of
the
you
know,
data
that
is
fed
into
the
dashboard.
D
So
I
don't
know
if
we
ever
quite
agreed
on
whether
we
were
keeping
credit
score
in
there
and
then
I
also
saw
like
the
lone
majority.
You
know
look
the
terms
that
is,
I
think,
is
another
helpful
element
to
see
aggregate
into
the
dashboard.
D
A
Let
me
speak
to
your
credit
scores.
I
believe
rachel
will
have
in
the
notes,
different
opinions
in
the
credit
scores
that
will
ask
jesse
and
yazleen
to
figure
out.
You
know
jesse's
comment
is
it's
only
relevant
when
it's
below
a
threshold
and
jason
is
saying
that
mountain
business
practice
we've
had
historically
is
to
have
it
included?
A
So
I'm
going
to
ask
our
our
lenders
in
their
review
before
saying
tim,
to
address
the
credit
issue.
Is
that
reasonable
to
you
maui?
L
G
That
were
discussed,
not
the
specific
opinions
or
comments
or
attributing
them
to
any
individual.
So
it'll
just
be
general
that
that
was
a
proposed
edition
in
there.
I
would
like
to
ask
just
to
clarify
jeff.
You
said
that
we
were
talking
about
updating
the
operating
agreement.
Jesse,
you
said,
maybe
not.
I
G
A
Very
good,
a
guy,
I'm
glad
we're
having
this
discussion.
It
seems
like
we're
moving
the
right
direction
again
to
the
balance
of
what
gives
us
information.
We
have
to
make
a
good
decision,
also
protecting
the
identity
of
the
individuals
applying
for
funding.
A
Our
next
agenda
item
is
loan
presentations.
Cdf
eyes.
I
don't
believe
I
have
any.
Do
we
all
right,
we'll
look
at
that
now
we're
head
back
to
almost
on
schedule.
Fund
remainder.
This
will
be
pretty
brief.
Cefi's
may
ask
to
what
is
our
fund
remainder
and
that
will
tee
up
our
next
item,
which
I'll
share
my
screen
for.
M
We
are
essentially
out
there
is
no
no
guarantee
dollars
at
this
time.
A
Which
means
we
did
it
okay,
so
I
I
bring
that
up
to
our
next
item,
which
is
performance
review
the
slide
you're
seeing
is
part
of
a
series
of
seven
slides
that
matt
and
jason
use
with
the
county
commission
meeting.
I
asked
matt
to
send
me
this
slice.
I
want
to
share
this
one
with
you.
We
began
our
meeting.
You
know
congratulating
each
other
on.
You
know
really
fulfilling
the
mission
of
this
committee
to
deploy
this
capital
to
founders,
entrepreneurs
of
color
without
possibly
poor
credit
or
criminal
history
or
no
collateral.
A
I
want
to
share
with
you
all
the
impact
this
fund
has
had
to
date,
as
you
can
see,
17
loans
made
at
580
000
90.5,
fte
jobs
created
or
retained,
which
is
incredible:
100
percent
bypack,
51
percent,
woman-led
joslin
any
other
commentary.
You
want
to
share
about
this
slide
or
anything
else
in
the
presentation
you
want
me
to
bring
up.
I
just
want
to
share
this
with
our
communities
for
them
to
have
a
reference
to
the
impact
they're
having.
H
H
And
nikki
I'd
like
your
input
on
this,
but
doing
some
type
of
press
release,
or
you
know
announcement
about
these
results.
I
mean
these
are.
This
is
a
positive
story.
I
think
a
lot
of
people
aren't
necessarily
familiar
with
the
fund.
This
would
be
a
good
idea,
rachel
and
nikki.
I
wonder
what
your
thoughts
are
in
terms
of
doing
that
or
how
we
do
it
or
how
we
shouldn't
do
it.
J
I'll
chime
in
and
say,
I
think
it's
a
great
idea
tim
because
yeah.
The
first
thing
I
thought
was:
how
can
we
share
this
information
through
to
our
city,
council,
members,
thinking
about
different
community
committees
of
council
or
even
at
a
city
council
meeting,
and
I'm
curious
how
we
may
have
updated
city
council
in
the
past?
That's
something
just
that!
I'm
not
aware
of
being
that.
I'm
newer
in
this
in
this
with
this
committee.
J
So,
yes,
tim,
I
think
at
certainly
a
press
release
is
a
great
starting
point
and
I'll
be
curious
again
to
to
learn
if
there's
any
other
options
that
we
may
want
to
pursue
too.
But
I
really
think
it's
a
great
story
and
we
should
share
this
out.
A
Yeah
great
tim,
I
got
an
email
this
morning
from
avl
today,
looking
for
more
stories
and
entrepreneurs,
and
maybe
this
is
a
good
one-
to
share
kicking
off
with
this
data
and
then
asking
them
and
now
yazlin.
Would
that
be
inappropriate
to
have
them
reach
out
to
you
to
look
for
stories,
people
to
talk
about
from
the
mccf.
K
I
would
have
to
refer
them
over
to
our
communications
manager.
Okay,.
A
Yeah,
let's
connect
all
those
dots.
Thank
you
tim
great
suggestion,
nikki
I'd
love
to
hear.
I
I
think
we
should
like
get
a
sky
writer
to
talk
about
this,
I'm
looking
for
like
an
airplane
pulling
a
banner.
I
really
want
to
let
people
know
the
impact
this
fund
is
having
that
it's
available
network.
You
know,
I
think
that
kind
of
built
momentum
with
funders
as
well
to
establish
almost
a
brand
of
it.
Maui
vang.
You
have
a
hand
up.
D
K
Sure
that
was
referring
to
a
program
that
mountain
best
works
actually
piloted
in
2021
called
the
catalyst
program
which
has
worked
has
tied
very
closely
to
the
mccf
and
we've
been
able
to
put
money
to
work
you
by
using
mctf
dollars
or
get
the
mccf
guarantee
to
and
the
the
catalyst
program
tied
together.
Pretty
much.
A
G
A
A
Very
good,
so
we
discussed
earlier
a
bit
about
assistance
and
venture
development
needed
to
go
along
with
venture
financing.
I
think
catalyst
is
a
shining
example
of
that.
G
I
do
thank
you,
responding
to
tim's
suggestion
around
media
and
press
outreach.
I
think
it
is
a
good
idea,
I'm
hesitant,
because
of
the
timing
of
pending
funding
the
date
that
you
mentioned
jeff
when
we
could
be
hearing
an
announcement
from
county
commissioners
is
about
a
week
and
a
half
out,
and
the
city
has
an
rfp
process
which
will
be
under
review
and
it
may
or
may
not
be
appropriate
to
go
to
city
council
with
a
project
specific
update
when
council
is
also,
you
know,
considering
funding
for
it.
I
G
G
A
A
L
H
H
So
if
you
want
to
think
about
that
and
then
we
can
either
hit
the
middle
point
between
our
two
processes
or
we
can
wait
until
yours
kind
of
wraps
up.
We
can
talk
about
it.
J
J
Angelica
is
also
she
does
a
lot
of
communications
for
our
team,
so
we'll
bring
her
into
so
sounds
great
thanks.
Tim.
A
A
lot
too
proud
of
you
all,
I'm
I'm
exceptionally
proud
to
be
on
this
committee
with
you
folks
doing
this
kind
of
work
and,
as
I
said,
you
don't
bring
feelings
to
a
data
fight,
but
this
data
gives
me
good
feelings
with
that.
We'll
go
on
to
our
final
topic,
rachel.
You
can
laugh,
it's
okay
table
updates,
and
this
is
just
a
chance
for
folks
to
share
any
updates
they
have
coming
up
like,
for
example,
I
will
not
be
at
our
december
meeting,
so
vice
chair,
love,
you'll
be
leading
our
december
meeting.
A
I
don't
know
if
I'll
be
at
the
january
meeting
either
any
minute.
Now
my
wife's
going
to
labor
and
I'll
be
taking
some
time
off
for
leave
thanks
tim
thanks,
god
willing.
Everything
goes
well,
so
I'll
be
out
for
some
time.
Definitely
in
december,
I'm
not
sure
when
I'm
coming
back
in
january,
but
I
will
be
back
for
three
days
in
december.
So
if
you
want
to
get
together
and
say
hi
that
will
be
at
the
venture,
15
adventure,
asheville
honors
and
do
have
a
request
for
you
all.
A
First,
you
should
come
and
buy
tickets
until
we
publish
the
rankings
of
the
15
fastest
growing
startups
in
the
area
and
we
also
hand
out
awards
for
entrepreneur
of
the
year
mentor
of
the
year
investor
of
the
year
resource
program
of
the
year,
which
mccf
might
be
a
wonderful
candidate
for
and
the
shining
rock
award
which
goes
to.
A
Oh
congratulations:
tara,
you're!
Leaving
soon
can
I
ask
you
a
delivery
date
or
what
your
due
date
is
not
delivered.
C
B
F
J
A
Awesome
well,
tara
will
will
warm
up
a
nice
sweet
admission
for
you
if
that's
where
you're
going.
Congratulations
to
you
and
your
family,
where
we're
going
with
this.
Oh
so
adventure
15,
we
so
the
the
15
companies
they
apply
themselves,
but
we
need
nominations.
For
entrepreneur
of
the
year
investor
of
the
year,
mentor
of
the
year
and
shining
rock
award
shining
rock
award
is
for
an
individual
who's
like
the
up
and
coming
entrepreneur.
A
Last
year
went
to
jasmine
from
more
to
love
the
year
before
that
caroline
bauer,
from
no
sweat
undies
you're
before
that
elon
kaplan
with
a
lone
tree.
So
I'm
going
to
look
to
our
lenders
here.
A
Gasoline
last
year,
mountain
bizworks
swept
the
venture
asheville
honors,
with
mentor
of
the
year
going
to
matt
godfrey
for
waypoint,
the
vanguard
award
went
to
matt
raker,
you
guys
got
resource
of
the
year
and
investor
of
the
year,
so
would
look
to
all
of
you,
especially
mountain
biz
works
to
keep
nominations
going
out,
because
we
need
nominations
to
hand
out
its
great
awards
and
that'll
be
on
december
16th.
But
nominations
are
open
now,
adventureasheville.com
venture15,
so
for
some
of
the
entrepreneurs
we're
working
with
or
the
resources
we
work
with.
A
Please
please
nominate
those
folks
personally
kind
of
terrified
that
I'm
not
I'll
be
on
leave
throughout
the
whole
application
and
selection
process,
so
I'm
leaning
on
my
team
to
round
up
applications.
So
I'm
asking
folks,
like
you
all,
to
get
those
nominations
in
applications
and
help
spread
the
news
that
that's
open
for
the
adventure.
15.
carl,
you
have
a
hand
up,
you
have
a
hand
yeah.
B
Yes,
I
was
just
looking
for
a
link
for
that
event,
but
I
think
you.
A
A
I
am
retiring,
my
red
blazer.
The
theme
this
year
is
gold
because,
if
you
all
heard,
we
recently
won
a
gold
ranking
from
the
international
economic
development
council
specifically
for
this
event,
so
this
year
we're
going
gold
because
we
won
gold.
H
Hey
jeff
I'll
chime
in
when
we
last
met,
we
talked
about
getting
a
group
of
small
business
organizations
together
to
talk
about
ways
to
collaborate
and
a
handful
of
y'all
were
on
that
call.
I
thought
we
had
a
really
good
discussion
and,
from
my
perspective,
accomplished
our
initial
goal,
which
is
we
identified
resources
organizations
that
you
know
even
that
small
group
of
people
was
not
familiar
with
and
since
then
we've
continued
to
do
that.
H
I've
had
really
good
conversations
with
folks
at
ab
tech
and
western,
where
they
shared
a
very
cool
resource
map
tool
that
you
know
is
based
in
western
north
carolina
that
I've
never
heard
of.
H
So
I,
I
think,
there's
just
a
lot,
there's
a
wealth
of
resources
in
our
community,
and
I
am
going
to
bring
that
group
together
again
in
about
two
weeks
again
with
the
goal
of,
let's
just
make
sure
we're
talking
identifying
how
our
pipeline
works,
so
that
we're
best
serving
small
businesses
in
our
community
some
more
to
follow
on
that.
But
if
you
know
anybody
that
needs
to
be
at
the
table,
it's
an
open
table.