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From YouTube: Mountain Community Capital Fund
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B
Great
to
see
you
all
with
us
on
was
a
long
labor
day
weekend
and
holiday
weekend.
For
many
folks,
you
have
a
pretty
straightforward
agenda.
I
see
one
lender
with
us
today.
B
May
I
ask
so
I
can
appropriately
add
to
the
agenda.
Are
there
any
loan
presentations
this
morning?
No,
okay,
we'll
ask
a
question
again.
If
our
other
lenders
jump
on
before
we
begin.
If
we
may
go
around,
I
believe
we're
at
quorum,
one
two,
three,
four:
five:
six!
Yes,
japan
quorum,
so
we
can
proceed
but
before
we
do
the
approval
of
the
minutes
from
the
august
sixth
meeting,
I
should
be
sharing
my
screen
apologize
about
that
as
usual.
B
I'd
like
to
ask
we
go
around
and
do
quick
introductions.
My
name
is
jeff
kaplan
good
morning
I
am
the
chair
of
the
mountain
capital
community
fund
and
the
director
of
venture
asheville
to
make
it
easy.
I'm
just
gonna
go
around
my
brady
bunch,
ready,
brady
bunch
of
a
screen
and
say
your
name.
If
you
could
just
do
a
quick,
intro
and
say
hello.
So
next
I
have
tony
mcdowell
and
also,
if
you
could
say,
if
you're
a
voting
member,
I'm
a
voting
member
yeah
hi
tony
mcdowell.
B
B
B
A
B
H
B
A
pleasure
very
good
rachel
I
want
to
ask
you:
do
you
have
you
able
to
copy
and
paste
this?
You
have
this
link
right,
so
you
can
see
who
on
the
committee
is
not
present.
I.
B
The
best
couldn't
ask
for
a
better
interim
note,
taker
ad
hoc
note
taker,
very
good.
So
next,
our
first
agenda
item
is
to
approve
the
minutes
from
our
august
meeting,
which
you
all
received
yesterday.
If
you
would
like
to
review
them,
we
can
together
or
any
changes
any
motions
to
approve.
Please
let
your
voice
be
heard.
B
B
B
The
things
are
looking
good,
but
I'll
just
share
that
we're
in
a
tactical
question
of
because
mccf
cannot
actually
receive
the
funding,
but
we
would
be
responsible
for
it.
The
lender
that
would
receive
the
funding,
may
or
may
not
have
responsibilities
to
dogwood
health
trust.
So
we're
trying
to
iron
out
those
details
and
at
next
month's
meeting
we
should
be
fully
wrapped
up
and
able
to
let
you
know
how
this
goes
and
the
fault
once
we
figure
out
who's
responsible
for
what
which
is
just
again
ironing
out
details.
B
Okay,
next
new
business
website
updates
and
recommendations
that
was
with
maui
and
myself,
took
on
a
number
of
items
regarding
potential
changes
to
the
landing
page
and
those
included
things
like
adding
the
logo
to
the
website
establishing
a
short
link,
something
easy
to
remember:
correcting
links
to
lenders
which
those
are
already
corrected.
Thank
you
angelica,
but
what
I
want
to
show
you
is
some
of
the
items
that
maui
really
took
a
lead
on,
which
is
including
an
faq.
B
B
B
Nikki,
you
have
raised
your
hand.
I
assume
this
is
to
help
us
move
this
conversation
forward
or
an
idea
great.
Please
take
it
away
correct.
D
I
let
us
follow
up
with
our
I.t
department,
because,
as
I
understand
it
now,
it's
it's
it's
a
a
page
from
the
asheville
nc.gov
right,
angelica's,
okay,
and
so
I
think
what
we
can
do
is
what
I've
seen
at
least
in
the
past
is
to
be
able
to
say
ashevillenc.gov,
slash,
mccf
or,
for
example,
like
what
I
have
now
with
one
of
our
internal
pages
is
ashevillenc.gov
city,
property
or
slash
bids,
and
then
that
will
redirect
you
to
that
longer
drawn
out
thing,
but
still
that
would
be
a
more
streamlined
moniker
for
the
for
the
web
address.
D
Unless
you
know,
I
think
the
other
alternative
would
be
to
to
look
at
another
hosting
if
it
needed
to
be
something
like
www.mccf.org,
but
at
least
that's
something.
I
know
we
can
offer
and
do
now
without
any
any
true
constraints.
There
is
that
right,
angelica.
I
appreciate
you
raising
your
hand
too.
There.
A
Oh
yes,
I
can
confirm
that
it
can
make
short
links
for
our
pages
and
they're,
usually,
like
you
said,
ashvalency.gov
slash
whatever,
so
we
could
do
ashevillenc.gov
mccf.
If
we
would
like
to.
B
Yeah,
I
am,
I
think
that
would
certainly
suffice.
The
pain
point
we're
experiencing.
How
do
you
all
feel
about
that?
How
does
the
board
feel
about
getting
a
short
link
where
it's
the
root
of
the
city
website,
slash
mccf,.
B
All
right,
I
think,
that's
a
simple
and
elegant
solution
that
will
solve
all
of
our
problems.
Thank
you,
okay.
So
next
maui,
I
see
you're
in
this
document.
Are
you
online?
Oh
yazlin
has
joined.
B
I
don't
see
maui
on
the
call
okay,
we'll
move
forward,
so
we
wanted
to
add
a
few
sections
to
the
web
page
presenting
it
here
for
review
and
then
we'll
send
this
over
to
angelico
and
actually
update
the
page.
Also,
if
you
send
you
the
the
logo
which
we
have
and
okay,
so
let's
get
into
this,
so
one
of
the
questions
was:
how
do
you
define
a
viable
business
as
it's
kind
of
vague
on
the
current
web
page?
B
This
is
mostly
taken
from
exhibit
b
in
our
bylaws
and
operating
and
procedures
manual.
So
a
lot
of
this
documentation
already
existed
and
it
was
just
about
getting
it.
You
know
in
an
easy
to
find
place.
B
B
Is
this
tmi
as
a
kid
say
too
much
information
for
the
web
page
where
it
says
you
know
you
can't
have
an
adult
business
bar
tattoo
parlor
body,
piercing
shop,
pawn
shop,
check,
cashing
business
car
sales
lot
can't
be
engaged
in
legal
activities,
loan,
packaging
speculation,
yada
yada,
yada,
so
quick
question:
how
does
the
board
feel
about
including
this
whole
paragraph
or
leaving
it
more
vague,
ending
it
at
that
set
at
that
period
of
certain
restricted
industries.
G
I
Yeah,
I
agree,
I'm
not
sure
if
it's
really
necessary
to
have
that
on
there,
because
they
wouldn't
qualify
if
they
were
any
of
those
businesses.
Anyway,.
B
Okay,
very
good
awesome.
Thank
you.
It's
easy!
Otherwise,
time
in
business
management,
experience
and
financial
trends,
those
are
all
pretty
straightforward
and
simple
and
couple
sentences
each.
I
any
problem
or
question
with
those.
B
All
right
to
really
make
this
more
accessible
for
folks,
we
expanded
the
faq
frequently
asked
questions,
also
a
little
flow
chart
of
the
process
that
maui
put
together
in
canva
we're
going
to
come
back
to
that.
First,
some
definitions:
what's
a
loan
guarantee
right?
It's
a
promise
made
by
organization
or
individual
to
pay
certain
by
the
outstanding
bounce
along.
B
I
don't
know
if
they're
unable
to
pay
in
full,
who
is
the
lender
quick
question
for
karen
itself
help
there
was
somewhere
you're,
it's
listed
as
self-help
ventures
fund
and
other
places,
self-help
credit
union,
so.
F
B
Great
thank
you,
but
this
is
an
important
sentence
that
might
want
to
bold
or
underline,
or
something
interested
applicant
should
follow
standard
small
business
application
with
a
participating
lender.
We
want
to
really
be
hammered
home
that
you
apply
for
these
loans
to
qualify
for
these
loans
through
the
lender.
B
What
is
the
guarantor
we
just
pulled
this
up.
I've
got.
Excuse
me,
the
language
that
it's
like
dictionary.com
language,
that
we're
using
for
that
one
who
is
the
guarantor
saying
mccf,
is
a
guarantor
for
certain
small
business
loans,
unwritten
approved
by
again
participating
lenders
increasing
that
term
for
mountain
biz,
work,
self-up
credit
union
and
a
small
business.
B
What
are
the
loan
terms?
We
again
want
to
be
a
little
vague
here,
because
we
don't
want
to
obviously
prescribe
what
the
interest
rates
are,
but
again
from
the
the
bylaws.
You
know
five
thousand:
seventy
five
thousand
dollars
the
range
is
seven
to
twenty
years,
and
interest
rates
are
competitive
and
determined
by
the
lender.
Is
that
fair,
jazlyn?
And
karen
as
lenders?
Is
that
acceptable
to
you
guys.
I
I
think
that
the
range
the
repayment
window
says
7
to
20
years.
Should
we
give
them
a
range
or
should
we
say
that
it's
it
depends
on
the
lender
as
well.
F
I
agree
lender
and
use
of
proceeds,
so
if
it's
just
a
loan
of
75
000
or
it
could
be
potentially
part
of
a
larger
deal,
I
think
that
only
this
much
is
for
I
agree.
20
years
would
be
very
long
for
us
for
something
less
than
a
thousand
dollar
loan
for
working
capital,
and
I
think.
I
Yeah
and
what
this
I
think,
what
most
people
would
understand
because
of
this
is
that
they
would
get
a
75
000
loan
in
a
20-year
term,
so
we
gotta
change
up
the
rewarding.
I
And
then
I
would
say
the
mccf
works
to
guarantee
loans
as
small
as
five
and
as
large
as
seventy.
Five
thousand
now.
Would
that
add
that
in
there.
B
Under
that
same,
what
are
the
loan
terms.
I
Yeah,
so
on
on
the
same
sentence
there
just
because
we
do
loans
up
to
200
or
up
to
350
000.
So
we
don't
want
there
to
be
some
confusion
there
when
they
come
to
us
and
say
well,
I
thought
the
max
was
75
so.
B
I
Works
with
lenders
to
guarantee
loans
as
small
as
five
and
as
large
as
75.
B
F
So
we
often
I
mean
that
the
small
business
is
the
borrower.
Sometimes
the
owner
may
be
the
guarantor
on
the
loan.
I
I
want
to
make
sure
oftentimes
we'll
get
borrowers
who
say
well:
mountain
community
capital.
Oh
this
happened
when
we're
doing
a
charlotte
program.
Well,
the
shop
program
is
guaranteeing
the
loan.
So
why
do
you
need
collateral?
Why
do
you
need
me
as
a
guarantor?
F
You've
got
that,
and
I
I
have
to
think
of
warding,
but
I
want
to
make
sure
that
it's
mountain
community
capital
is
is
is
a
guarantee
for
the
loan.
However,
I
mean
somehow
that
they're
on
the
hook,
that's
not
the
language,
but
you
know
that
they
don't
get
a
free
pass
just
because
mountain
community.
J
F
Is
guaranteeing
the
loan
and
I
think
somewhere
we
have
language
that
I
can
probably
share
later.
I
can
find
with
some
other
programs
that
we
had
done
and
even
with
community
capital.
B
Now
I
see
that
maui
has
joined,
so
I
want
to
acknowledge
how
much
effort
she
put
into
putting
this
together.
So
thank
you,
maui.
B
Okay,
there
you
are
hey
good
morning,
so
on
the
next
one,
what
kind
of
collateral
is
required?
We
went
back
and
forth
on.
B
How
to
describe
this
so
lenders
would
love
to
hear
from
you
all.
How
do
you
want
to
describe
the
collateral
piece?
So
if
I
have
mccf
we'll
consider,
applicants
who
have
no
or
little
collateral
examples
of
collateral
include
cash
assets,
we'll
say
personal
property.
I
think
that
part's
easier,
but
is
there
a
phrasing
you'd
prefer
to
who
have
no
or
little
collateral.
F
C
F
I'm
so
do
you
mean
like
what
have
if
they
default
on
the
loan?
Who
does
the
lender
pursue?
Yes?
So
so
it
depends
I
mean.
Normally
I
mean
if
there's
a
thing
is
oftentimes.
What
we
find
is
that
there's
a
small
business,
the
owner
and
the
small
business
are
sort
of
strictly
tied,
so
it
just
sort
of
depends
on
the
structure.
Sometimes
the
small
business,
the
owner
is
the
small
business,
their
sole
proprietor
or
the
way
that
they're
structured.
F
So
it's
going
to
depend
who
like
for
a
small
like
ten
thousand
dollar
loan.
You
know,
maybe
we
just
collect
the
guarantee,
but
if
we're
looking
at
a
larger
loan-
and
this
is
just
one
part
of
it-
then
that
individual
is
also
going
to
be
the
guaran
guarantor.
F
So,
for
example,
if
someone's
buying
a
building
and
they
need
some
working
capital
and
we're
using
mccf
for
that
small
working
capital
part,
we
require
personal
guarantees
on
our
loans,
and
so
we
would
usually
see
I
mean
oftentimes.
I
don't
have
any
assets
a
lot
of
times,
it's
just
for
that
sort
of
tie-in,
but
it
just
kind
of
depends
on
the
loan
and
the
loan
size.
F
What
we
would
require
and
do
if
someone
had
assets
we
might
pursue
those
or
get
a
judgment,
but
the
whole
point
of
this
is
usually
is
mostly
for
people
who
don't
really
have
that
many
assets,
and
so
you
know
we
wouldn't
do
that.
I
And
as
for
mountain
biz
works,
it's
a
little
different
per
lender,
so
we
do
all
of
our
loans.
All
of
our
loans
are
business
loans
with
a
personal
guarantee,
so
they
are
to
the
individual
and
to
the
business
themselves.
So
in
that
sense,
if
they
were
to
default,
they
would
still
be
liable.
Personally,
so.
B
Very
good,
our
next
last
faq
is,
is
mccf
a
loan
fund,
understanding
how
that
could
lead
to
confusion,
having
fund
in
the
name
or
not
actually
a
fund
per
se,
and
so
to
define
it.
We
are
guarantor
qualifying
loans
for
participating
lenders
again.
If
you
are
interested
in
a
loan,
please
contact
a
participating
lender.
B
And
lastly,
if
I
can
blow
this
up
a
little
bit,
if
I
zoom
in,
do
you
guys
see
me
zooming,
you
do
now
we
and
I
were
tag
teaming
on.
I
was
using
google
drawing
and
she
said
we're
screen
sharing
or
we're
just
sharing
a
screen.
She
basically
said:
stop
it,
I'm
in
canva
you're
doing
a
terrible
job.
Let
me
handle
it
and
he
did
a
really
nice
job
maui.
So
look
at
that
great
graphics,.
I
Hey
jeff
one
thing
I
wanted
to
to
add
or
see
if
we
could
maybe
add
it
in
there
was
to
maybe
say
that
they
could
only
submit
one
application
to
one
lender
so
that
they're
not
submitting
multiple
applications
to
every
single
one
of
us.
B
That
makes
a
lot
of
sense,
and
I
bet
we
could
phrase
it
as
a
question.
B
B
H
B
I
B
J
Think
I
am
approved
access.
Thank
you.
B
B
I
think
it's
to
us
obvious,
but
I
think
it's
gonna
be
a
very
helpful
graphical
representation
on
the
web
page.
B
How
do
y'all
feel
about
this?
I
think
it'll
help
our
webpage
and
achieve
what
we
we
hope.
It
will
very
good.
Okay,
I'm
getting
lots
of
thumbs
up
and
nods
maui.
Thank
you
again
so
much
for
your
effort
and
angelica
thanks
for
for
having
to
be
the
one
to
get
into
the
html
and
the
javascript
and
the
python
and
the
c
plus
plus,
and
the
developer
with
us.
Okay,
great.
B
Very
good,
okay,
so
angelico.
While
we
continue
to
keep
praise
upon
you,
you
are
our
next
agenda
item.
You
have
an
exciting
update
to
share
regarding
a
program
available
or
that
you're
promoting
and
new
for
the
city
and
I'll.
You
know
I'll
just
mute
myself.
Let
me
take
it
away.
B
Thank
you
rachel.
As
I've
said
before,
your
your
parliamentary
effort
goes
a
long
way
on
this
committee
holding
us
accountable.
We
would
not
be
effective
without
you.
We
are
so
blessed
to
have
you
as
our
ad
hoc
minute
taker,
and
maybe
one
day
you
will
find
yourself
in
the
role
of
secretary
and
really
keeping
this
board
operating
strongly
as
chair.
B
I
would
entertain
a
motion
to
approve
the
mccf
website,
edits
with
the
editions
that
I
wrote
down,
including
editing
the
short
link,
editing,
self-help
to
credit
union,
adjusting
the
loan
term
section
getting
the
quote
or
from
karen
on
guarantor
versus
guaranty
and
adding
the
question
of
may
I
submit.
Can
I
apply
with
all
participating
lenders
in
the
appropriate
response
provided
by
yazleen
with
those
changes
and
what
we
see
here
I'll
entertain
a
motion
to
approve
those.
B
Very
good,
all
those
in
favor,
if
you
could
raise
your
hand.
B
B
A
A
It
is
a
partnership
between
the
business
inclusion
office
and
a
national
nonprofit
called
enterize
and
enterize
has
partnered
with
about
80
cities
across
the
country
to
provide
this
training
program
for
small
businesses
and
even
a
little
closer
to
home
in
charlotte
and
greensboro,
and
this
training
program
has
provided
on
average
per
participant
about
36
percent
growth
in
revenue
four
times.
A
The
jobs
created
than
the
regular
rate
of
the
private
sector
and
participants
have
collectively
secured
895
million
in
government
and
institutional
contracts.
So
what
I
really
like
about
it
is
it
is
such
a
data
and
results
driven
program,
and
we
think
that
it's
going
to
be
really
effective
in
asheville.
A
So
it
is
a
training
program
for
established
small
business
owners
and
we
are
focusing
on
business
owners
of
color
and
when
women
business
owners-
and
it
is
it's
not
necessarily
for
people
who
are
you
know
they
just
have
the
idea
and
they're
starting
up
it's
for
people
who
have
at
least
one
full-time
employee
they've
been
in
business
for
at
least
two
years,
and
they
should
have
at
a
minimum
150
000
in
revenue,
but
can
have
up
to
5
million
in
annual
revenue,
and
it
consists
of
seven
months
of
bi-weekly
classes,
and
this
curriculum
is
provided
by
enterprise
and
will
be
delivered
by
rasonimal
k.
A
He,
our
lovely
business,
inclusion
manager,
she's
away
at
a
conference,
and
I
am
helping
to
present.
But
I
am
I'm
the
program
manager
and
she
is
the
instructor
in
this
structure.
So
the
classes
will
cover
a
lot
of
bases
around
strategic
growth,
planning,
financials
marketing
and
sales,
identifying
resources
that
these
businesses
can
use
and
in
the
end,
they
present
their
strategic
growth
plans.
A
And
this
is
really
effective,
because
I
think
because
businesses
can
start,
you
know
with
an
idea.
They
can
start
in
just
a
moment,
and
you
know
kind
of
go
along
for
a
certain
amount
of
time,
without
necessarily
knowing
all
of
these
foundational
aspects.
So
it
really
helps
fill
in
the
gaps
in
knowledge
that
some
business
owners
may
have,
and
I
think
it's
also
really
powerful,
because
the
business
owners
will
be
learning
from
guest
experts.
A
We
do
have
some
opportunity
and
and
we're
kind
of
working
out
how
the
logistics
will
be,
but
we
are
going
to
have
local
guests
experts
on
a
number
of
topics,
but
we
may
even
be
able
to
pull
in
people
from
outside
of
the
community
to
deliver
the
expertise
virtually
and
another
really
great
strength
of
the
program,
I
think,
is
about
its
emphasis
on
connection
and
it
has
a
cohort
model.
So
these
folks
are
together
for
seven
months
bi-weekly
and
they
have
a
structure
for
ceo
peer
mentoring.
A
So
you
know
everyone
during
the
program.
You
know.
Of
course
everyone
is
taking
the
class,
but
they
also
have
time
set
aside
to
connect
with
each
other
bounce
ideas
off
one
another
get
advice,
and
this
is
really
great
because
it
helps
allow
them
to
basically
stay
connected,
build
relationships
and
from
what
enterprise
tells
me.
A
A
B
A
Yes,
thank
you,
jeff,
and
I
did
send
out
an
email
yesterday
afternoon.
I
think,
to
everybody
who's
in
this
group,
but
feel
free
to.
Let
me
know
if
you
didn't
receive
it,
and
that
was
inviting
you
to
a
convening
event.
So
on
september
13th
and
the
22nd,
we
are
bringing
together
just
a
huge
variety
of
people
in
the
community,
because
we
have
a
number
of
different
ways
that
people
can
plug
in.
We
would
love
to
have
some
of
our
partners
help
us
identify
participants
who
they
think
could
really
benefit
from
the
program.
A
We
are
looking
to
talk
with
lenders
who
may
one
day
be
able
to
provide
that
financial
support
for
these
businesses
to
grow
some
of
our
larger
businesses
that
these
businesses
could
end
up
doing
business
with
and,
of
course,
looking
for
those
guest
experts
helping
us
with
promotion
and
sponsorships.
A
So
it's
really
kind
of
about
this
big
ecosystem,
and
I
think
you
know
that
word
gets
tossed
around
a
little
bit
in
our
community,
but
I
think
it's
a
very
apt
one,
because
there
are
many
different
key
roles
that
different
people
and
organizations
can
play,
and
you
know
we
really
believe
this
is
going
to
help
benefit
asheville
and
our
region,
especially
when
you
look
at
that
job
creation
rate.
A
I
mean
that's
great
and
also,
I
think,
one
of
the
stats
that
I
didn't
write
down,
but
these
jobs
are
created
at
with
salaries
that
I
think,
are
about
three
percent
higher
than
average
and
I
think
that's
fantastic,
like
we
are
looking
for
more
quality
jobs
to
be
offered
in
our
region
and
these
businesses
can
help
provide
that.
A
So
my
ask
is
that
you
all
please
attend
the
convening
event
where
you'll
get
more
details
about
the
program
and
how
it
works,
and
hopefully
like
generate
some
ideas
on
how
you
can
help
to
support
it
and
please
do
share
it
with
anybody
that
you
believe
could
plug
into
our
ecosystem.
E
A
A
G
Thanks
for
the
presentation
angelica,
it's
super
exciting
to
hear
about
another
program
to
support
small
business
owners
in
this
community.
It's
great,
I
wondered
if
we
could
talk
a
little
bit
and
I
think
everyone
can
probably
chip
in
on
this
one,
but
you
know
understanding
how
this
program
fits
in
with
some
of
the
other
programs
that
are
kind
of
available,
and
the
reason
I
ask
that
I
I
just
like
to
understand.
G
You
know
the
progression
for
a
small
business
owner
as
they're
going
and
navigating
through
our
community
like
what
are
the?
Are
there
any
gaps
that
we're
missing?
You
know
and
that's
not
the
job
of
this
committee,
but
I
think
it's
important
because
we're
all
leaders
in
this
space
to
think
about
that
you
know
how
does
this
program
relate,
for
instance,
to
the
catalyst
fund
and
jason.
I
saw
you
come
back
up
on
the
screen,
you
know
and
how
does
that
relate
to
to
this
mountain
community
capital
fund?
G
A
Yeah
well
just
to
answer
quickly.
I
would
say
that
one
of
the
things
that's
different
is
that
this
is
really
geared
towards.
A
Business
owners
of
color-
and
I
think
that
you
know
catalyst-
does
help
deal
with
that
as
well,
and
I
think
that
you
know
there
are
a
number
of
business
owners
who
could
be
served
by
different
programs.
I
How
many
participants
are
you
wanting
to
have
in
the
first
cohort
or
in
this
round
the.
A
There
is
yes,
the
web
page
is
currently
up,
and
I
will
share
that
as
well,
that
there
is
an
online
application
and
applications
are
open
now
and
close
on
october
11
and
then
we'll
be
looking
at
starting
in
early
november.
I
Okay,
could
you
send
me
that
email,
I
don't
think
I've
got
anything
okay,
yeah,
absolutely.
A
Yeah-
and
I
think
too,
you
know
it's
not
like-
we
can
immediately
serve
a
thousand
business
owners,
so
I
think
the
other
training
programs
that
we
have
out
there.
This
is
an
addition
to
that.
B
Can
I
clarify
detail
angelica
we're
saying
when
you're
talking
about
those
claims,
one
of
them
was
about
revenues
brought
in
through
government
contracts.
So
it's
the
goal
of
pathways
to
grow,
to
help
business
business
owners
of
color,
secure,
more
government
contracts
or
is
it
for
any
business
in
any
industry
that
ran.
A
That's
a
great
question,
so
one
reason
that
we
were
interested
in
enterize
is
because
we
do
have
disparities
in
contracting
in
the
city
of
asheville,
based
on
that
2018
disparity
study,
and
so
we
do
want
to
help
engage
in
this
capacity
building.
So
more
businesses
can
be
ready
to
do
business
with
the
city.
However,
that
is
not
our
sole
focus.
We
are
also
looking
at.
You
know.
A
How
are
we
more
broadly
benefiting
these
business
owners
in
the
region,
and
so
I
think,
when
I
was
reading
through
enterize's
materials,
they
talk
a
lot
about
how
the
program
is
really
effective
when
there's
a
mix
of
different
types
of
businesses,
and
so
we
really
want
to
encourage
that
diversity
of
business
types
as
well.
J
Thank
you
so
kind
of
piggybacking
off
of
what
tim
said,
my
experience
as
a
first-time
founder
a
few
years
ago.
J
There
are
a
lot
of
resources
in
the
region
and
there
comes
to
a
point
where
there
is
an
opportunity
cost
for
the
founder
to
really
evaluate
what
programs
and
you
know,
incubators
like
there,
there's
not
a
shortage
of
that,
especially
you
expand
outside
of
asheville,
like
I've
gone
to
programs
in
charlotte
and
raleigh,
for
example,
and
so
you
know,
I
wonder
if
there's
a
way
to
really
communicate
the
value
prop
of
this
and
be
very
specific,
so
that
people,
don't
you
know
like
to
to
get
enough
interest,
but
not
to
for
people
to
just
blanket
apply
to
everything.
H
J
A
lot
of
them
are
newer,
younger
kind
of
piloting
type
programs
like
this
to
the
region,
and
I
just
didn't
have
the
time
to
do
it
all,
and
there
wasn't
a
whole
lot
of
guidance
around
what
I
should
or
shouldn't
do
so
I
kind
of
just
picked
and
did
some
and
didn't
do
others,
but
I
think
that
was
a
real
struggle
for
me
was
just
navigating
through
all
the
different
programs,
not
only
what
was
the
most
relevant
to
me
and
my
business,
but
also
like
learning
to
like
count
the
cost
and
like
say
no,
if
you
will
to
all
the
great
content
and
programs
out
there.
A
Yeah,
I
think
that
is
an
excellent
point,
and
that
is
something
we've
also
been
discussing
a
lot
internally
in
economic
development,
and
so
I
don't
have
a
fabulous
answer
for
you
yet.
A
But
I
think
there
is
a
lot
of
value
in
looking
at
how
among
resource
providers-
and
maybe
the
city
is
a
good
place
to
play-
that
role
of
like
kind
of
collating,
all
of
those
different
resources
and
trainings
that
are
out
there
and
helping
people
navigate
that
because,
yes,
I've
heard
like
in
my
work
with
the
business
inclusion
office,
I
have
heard
some
similar
sentiments
from
the
business
owners
I've
worked
with,
and
so
as
far
as
how
this
program
can
set
itself
apart.
A
I
believe
that
it's
it's
focused
in
who
it's
looking
for,
and
it's
somewhat
selective
and
you
know,
because
we
are
looking
at
business
owners
who
kind
of
like
fit
those
criteria
that
I
mentioned,
and
I
think
that
specificity
can
be
helpful
and
we
are
just
really
looking
for
people
who
want
to
work
on
their
businesses
they're
ready
and
they
can
make
that
seven
month
commitment.
A
J
Helpful
thank
you
if,
if
ever
I
can
be
of
any
help
in
that
specific
arena,
you
know.
Definitely
let
me
know.
I
know.
Jeff
has
a
great
landscape
of
like
all
the
different
resource
providers
in
the
area
in
the
international
email
and
it
gets
bigger
and
more
robust
over
time,
and
I
can
only
imagine
being
a
new
founder.
You
know
like
landing
in
asheville
today
how
that
could
be
kind
of
overwhelming
to
navigate.
A
Thank
you,
carl.
C
To
the
point
that
maui
was
making,
you
know
one
of
the
things
that
I
saw
that
really
helped
differentiate
this
in
the
chicago
startup
community
was
the
list
caliber
and
quantity
of
resource
partners.
You
know
who
are
the
entrepreneurs
that
are
accessible
to
me,
who
are
the
business
groups?
We
had
funds,
we
had
tech
partners,
there's
a
whole
google
startup
thing,
so
I
could
on
a
given
day.
You
know,
make
an
appointment
and
talk
to
them
free
of
charge.
I
could
talk
to
an
attorney.
C
I
could
talk
to
entrepreneurs
in
my
space
and
for
me
that
was
a
huge
help
in
determining
the
value
was
who
are
the
partners
in
this
group,
and
you
know
once
you've
had
a
cohort
or
two
that
have
succeeded,
that
those
become
legacy
resources
to
the
group
as
well,
and
that
was
very
helpful.
A
Yes,
thank
you
for
that
comment
and
I
think
that's
another
thing
that
sets
enterprise
and
what
will
be
avl
pathways
to
grow
apart
is
that
it
does
provide
that
it
provides
the
connection
with
the
cohort
during
the
program,
but
also
provides
opportunities
down
the
line
for
people
to
stay
connected
and
to
connect
with
the
participants
of
the
various
cohorts
and
the
the
people
they
meet.
G
That's
awesome
and
angelic,
I'm
gonna
chime
in
again
and
again,
broad
conversation,
the
when
I'm
wondering
and
nikki.
I
wonder
if
it'd
be
useful
for
us
to
take
a
tuesday
agenda
and
start
talking
about
small
business
resources
with
like
a
broader
group
of
folks,
because
I'm
I
want
to
be
clear.
G
You
know
startups,
or
you
know,
businesses
that
are
established,
women-owned
minority
and
what
whatever
we're
focused
on
and
understanding
kind
of
what
resources
are
available
just
to
see
if
there's
any
gaps
and
there
may
not
be-
we
may
find
that
we've
got
everything
covered.
It
just
seems
like
something
that
would
be
good
to
do
that
way.
We
can,
you
know,
move
the
needle
together
on
this.
D
G
G
I
know
they're
just
trying
to
get
that
one
off
the
ground,
but
they
sort
of
view
that,
as
kind
of
you
know,
if
we're
thinking
about
a
pipeline,
you
know-
and
you
know,
you've
got
a
business
that
comes
through
mountain
community
capital
fund
with
limited
collateral
and
then
grows
over
time,
but
then
gets
to
a
point
where
they're
ready
to
sort
of
scale
a
little
bit
more
and
grow.
You
know
they
need
that
kind
of
equity,
infusion
and
so
on
their
pipeline.
G
You
know,
that's
like
the
next
tool
available
to
them
potentially
and
there
might.
There
are
other
tools
as
well,
I'm
just
thinking
how
do
we,
you
know,
look
at
this
from
you
know,
beginning
to
end
in
to
see
where
those
resources
are
lacking,
in
particular,
for
you
know,
historically
disadvantaged
businesses,
that's
that's
kind
of
where
I'm
going
with
this.
D
I
mean
it
and
it's
funny
because
I
think
of
like
that's
how
really
mccf
got
started.
You
know
it
was
addressing
gap
so,
but
it's
something
that
I
agree.
We
have
to
do
on
a
continual
basis,
so
that
we're
being
effective
in
reducing
barriers
for
startups
or
continuous
growth
so
makes
a
lot
of
sense
to
to
keep
keep
analyzing.
That
system
you
know
and
making
sure
that
we're
we're
moving
in
the
right
direction.
G
That's
great-
and
I
know
that
jeff.
This
is
not
the
purpose
of
the
mountain
community
capital
fund,
but
I
mean
there's
folks
here
that
clearly
have
passion
for
small
business
and
just
making
our
community
a
better
place,
so
cool
I'll,
stop.
B
G
I
think
I'll
schedule
some
time
we
have
a
group
of
folks
that
meets
almost
weekly
in
the
business
community.
Bizworks
is
represented
the
city,
the
chamber,
tda
abtech
others,
so
I
think
it'd
be
good
to
kind
of
bring
that
forward
in
the
next
month
or
so
just
to
kind
of
talk
a
little
bit
and
see
what
makes
sense
and
sort
of
at
minimum.
I
think
dusting
off
the
decision
tree
would
be
a
good
thing
to
at
a
minimum,
reflect
catalyst,
and
you
know
asheville
avo
pathways.
A
Yeah
great
comments,
I
I
think,
is
that
everybody,
you
had
a
question.
B
I'd
like
to
share
comment:
first
angelica
wanted
five
minutes
for
this
topic
and
it
seems
to
be
such
a
rich
one
with
such
potential
that
we're
already
excited
a
lot
a
lot
to
share
so
angelic.
I
know
this
is
one
of
the
first
times.
B
You've
brought
this
program
out
to
some
kind
of
like
out
of
the
inner
circle,
and
I
hope
that
you're,
finding
you're
being
met
with
a
lot
of
enthusiasm
and
optimism
for
the
program,
and
so
we
look
forward
to
cheering
you
on
and
supporting
any
way
we
can
to
tim's
comment
well
like
right.
B
So
I
find
some
very
good
use
of
our
time
to
have
this
discussion
and
make
sure
everyone
knows
the
resources.
I'm.
H
B
Go
a
little
in
into
my
like
ecosystem
soapbox
for
a
moment
and
say
that
I
do
believe
that
word
is
overused
just
just
like
unprecedented.
I
think,
but
here
here's
my
my
thing
about
ecosystems,
I
don't
believe
any
individual
or
any
organization
can
own
or
control
an
entrepreneur
entrepreneurial
ecosystem.
B
Rather,
I
believe
that
there
are
many
startup
or
business
communities
and
it
is
the
interconnectedness
between
those
communities
that
comprise
the
ecosystems.
So
what
I
mean
by
that
is
like
we've
got
the
tech.
High
growth,
startup
community
you've
got
the
small
business
lifestyle.
Community
you've
got
the
black
entrepreneurship
community.
You've
got
the
immigrant
business
community,
in
fact,
there's
a
west
national
community
in
east
asheville
community
right
so,
but
the
more
interconnected.
Those
are
that's.
What
the
actual
ecosystem
is,
the
more
interconnections,
the
more
thriving
it
is.
B
Some
of
you
may
know
or
may
not
know.
We
have
a
project
here
called
the
e13.com.
B
You
don't
need
to
go
to
it,
don't
take
the
test,
but
we
look
at
entrepreneurial
competencies
and
one
of
them
is
the
ability
to
build
and
leverage
networks,
and
my
partner
in
this
project
is
paul.
Gratton
who's
an
associate
dean
at
montreal
college
and
he's
been
building
a
body
of
research
to
publish
on
each
of
his
competencies,
and
he
found
a
study
that
came
out
in
2019
from
china
that
showed
researchers
were
able
to
predict
the
survivability
of
a
startup
based
on
the
size
of
their
network.
B
So
using
these
statistical
models
where
they
you
know
created
like
say
this,
entrepreneur
has
this
kind
of
business
and
this
size
of
network
so
to
angelo's
point.
I
think
that
angelico's
point
this.
This
convening
of
partners
and
individuals
is
helping
people
kind
of
get
a
head
start
on
building
that
network
to
help
them
be
more,
and
it's
proven
now
right.
We
can
prove
that
the
bigger
your
network
and
the
more
interconnected
it
is
the
more
likelihood
of
survivability
your
startup
has
so
very
excited
about
this
program.
B
I
shared
a
link
to
our
resource
map
that
maui
mentioned
in
the
chat.
Let
me
say
that
every
time
I
showed
this
page
to
somebody
I'm
I
met
with.
We
forgot
this.
What
about
this
mountain
business
works?
I
get
an
email
once
a
month
from
mountain
biz
works
time.
We
have
the
wrong
logo,
I
know,
but
I
can't
edit
and
change
this
resource
map
in
2022,
which
is
only
three
months
away.
B
Four
months
away,
we're
gonna
do
a
full
revamp
of
our
website,
and
this
is
this
in
the
job
board
on
our
website
are
the
most
clicked
on
links
or
most
visited
pages,
but
this
isn't
inflexible.
It's
a
pdf,
it's
not
editable,
so
I
really
want
to
go
after
this
resource
map
because
like
right,
like
a
new
program
emerges-
and
we
can
add
it
for
months
until
I
have
you
know
time
for
our
designer
to
find
a
bubble
and
put
it
in.
B
I
Hey
jeff,
I
have
a
quick
question
for
angelica.
Are.
I
Share
the
link,
the
eventbrite
link
with
potential
interested
participants,
so
tender.
A
And
I
would
say
that
we
are
going
to
have
some
informational
sessions
for
people
who
are
interested
in
becoming
participants,
and
that
would
be
I
actually,
let's
see
we're
going
to
do
a
press
release
on
tuesday
and
we'll
have
links
to
those
sessions
in
that.
But
I
can
share
that
link
with
you
for
people
who
may
be
interested
in
becoming
participants.
A
Yeah
yeah
and
I
just
thank
you
so
much
for
all
of
your
questions
and
comments
and
time.
I
really
appreciate
it
and
I'm
I'm
so
excited
and
can't
wait
to
see
how
this
is
going
to
really
strengthen
everything
in
our
community.
B
Yeah
yeah,
congratulations,
tim's
applauding
look
forward
to
yeah,
seeing
the
impact
and
let
us
know
how
we
can
help
very
good.
Rachel
has
a
hand
up.
She
raised
a
hand.
E
E
So
my
initial
understanding
was
that
the
resource
map
that
currently
exists
is
startup.
Only
and
tim
you
are
wanting
to
have
partners
get
together
and
talk
about
the
resources
more
broadly
for
small
businesses,
regardless
of
startup,
but
that's
a
based
on
you
saying
that
it
was
the
same
map.
Can
you
clarify
the
focus
of
the
upcoming
meeting
that
you'll
be
scheduling.
G
Yeah
I'll
clarify,
I
do
think
we
shouldn't
limit
ourselves
to
startup
only
because
most
businesses
aren't
startups
and
you
know
the
resource
map
I
think,
has
evolved
many
times
so
that
prior
version,
I
think,
had
different
resources
on
it.
I'd
still
like,
I
still
think
we
need
to
have
that
conversation
for
startups
and
existing
businesses,
small
businesses
I
like
and
mickey.
I
wonder
if
you
agree
or
disagree,
or
what
do
you
think.
B
I'm
going
to
put
a
link
in
the
chat
to
what
is
my
favorite
startup
resource
map
decision
tree
I've
seen
I
saw,
was
just
updated.
This
is
from
startup
sacramento.
B
And
this
is
version
6.1,
so
they
periodically
update
it
before
it
was
a
much
more
streamlined,
subway
map.
This
is
getting
really
complicated
and
I
think
typically,
cities
of
that
size
with
a
lot
of
resources
do
get
complicated.
B
So
if
you're
looking
at
this
as
an
outsider
right-
and
this
is
a
good
lesson
exactly
rachel
right.
So
if
you
look
at
this,
you
go.
Where
do
I
start
like?
What
do
I
do?
You
know,
I
think
it's
it's
overwhelming
and
appears
that
things
are
siloed,
even
though
you
have
these
right
circuit
board
interconnections.
B
I,
like
the
old
version
better
if
I
can
find
the
old
version,
but
it
was
a
subway
map.
This
is
a
little
intense,
hey
we're
at
10
30.
We
got
15
minutes
left.
Our
last
agenda
item
is
loan.
Presentations.
B
B
You
know
one
day
we're
going
to
have
one
and
we're
going
to
be
really
excited
about
it,
and
I
can't
wait
until
that
day
comes
so
if
anyone's
even
watching
or
watching
this
recording
you
have
an
open
invitation
to
share
public
comment,
would
love
to
have
you
like.
In
that
case,
I
guess
I
don't
think,
there's
anything
else
to
vote
on
rachel.
May
I
ask
for
a
motion
to
adjourn
the
meeting.