►
Description
Minneapolis Economic Development & Regulatory Services Committee Meeting
https://lims.minneapolismn.gov
A
The
scheduled
meeting
of
the
economic
development
and
regulatory
Services
Committee
for
today,
which
is
January
7th
I've,
been
joined
by
a
quorum
of
my
colleagues,
including
council
members,
Cano,
Fletcher,
Ellison
and
Gordon.
We
have
a
relatively
short
agenda
today.
I
do
want
to
take
a
walk
on
item
after
our
consent
agenda.
So
first
I'll
move
the
consent
agenda,
which
is
item
number
three.
The
liquor
license
approvals
and
item
number.
Four,
the
liquor
license
renewals
item
five,
ours
gambling
license
approvals
and
six.
Our
gambling
license.
A
Renewals
seventh,
is
a
business
license
operating
conditions
for
a
business
in
the
fourth
ward
item.
Number
eight
is
a
rental
Wehling
license
conditions
package
item.
Nine
is
the
annual
report
for
the
MacPhail
Center
for
music
in
item
ten
are
adding
a
couple
of
people
to
the
upper
harbor
terminal
collaborative
planning
committee?
These
are
actually
appointments.
Item
number
eleven
will
be
a
discussion,
so
I
will
move
the
consent
agenda,
which
is
items
3
through
10,
is.
A
Anyone
would
like
to
pull
off
the
agenda
for
discussion,
seeing
none
on
the
motion
to
approve
on
favor
signify
by
saying
aye
any
opposed.
That
item
is
approved.
We'll
then
take
a
walk-on
item.
Mr.
Baucus
and
mr.
starry
are
here
just
for
a
quick
presentation
on
a
walk-on
item
which
was
an
emergency
demolition,
a
good.
C
Afternoon,
madam
chair
councilmembers,
the
property
located
at
1823
Bryant
Avenue
North,
is
a
four-bedroom
two-bath
duplex
that
was
built
in
1902.
It
was
inspected
in
June
of
2018
and
again
in
February
of
2019.
Multiple
violations
of
the
minneapolis
housing
maintenance
code
were
noted
during
each
inspection.
These
violations
were
not
corrected
by
the
owner.
The
property
then
became
vacant,
and
it
was
placed
into
the
vacant
building
registration
program
on
March
20th
of
2019.
C
The
property
was
boarded
after
multiple
break-ins
and
occurrences
of
being
open
to
trespass.
It
was
condemned
for
boards
on
August
26
of
2019
on
December
30th
of
2019,
the
property
sustained
a
significant
fire
damage
in
pursuant
to
Minneapolis
code
of
ordinance
Chapter.
Two
forty
nine
point:
three
zero.
The
director
of
regulatory
services
has
determined
the
property
constitutes
a
hazard
to
the
public
health
and
safety.
C
The
structure
posted
as
a
dangerous
building
on
January,
2nd
and
listed
contact
information
for
the
assigned
inspector
staff
also
made
phone
calls
the
property
owner
on
multiple
occasions
since
the
fire
occurred.
The
owner
did
call
this
morning
and
left
a
message
with
staff
stating
that
he
had
been
out
of
town.
The
call
was
returned,
but
no
direct
contact
with
the
owner
has
been
made.
Staff
will
continue
to
reach
out
and
communicate
with
the
property
owner
the
waiver
of
the
60
day
period
and
no
way
precludes
the
owner
from
due
process
and
the
right
to
appeal.
C
The
director's
order
to
demolish
the
nuisance,
condition
process
review
panel
based
on
the
severity
of
the
fire
and
the
current
condition
of
the
property.
At
this
time,
staff
is
requesting
that
the
City
Council
approve
a
waiver
of
the
60-day
waiting
period,
so
that
notification
and
the
Bayman
may
begin
immediately
are.
D
E
C
A
D
A
F
You,
madam
chair
Thank,
You
committee
members.
My
name
is
max
Cervantes
and
I'm,
a
licensed
inspector
assigned
to
the
first
Precinct
I'm,
presenting
an
application
from
loose
whiles
free
house
owned
by
Blue
Plate
Restaurant
Company
Inc.
The
business
address
is
701
Washington
Avenue
North,
which
is
located
in
Ward
3.
The
current
license
is
an
on
sale,
liquor,
no
entertainment
with
Sunday
sales
and
off
sale,
growler
license
liquor,
catering
and
food
catering
licenses.
The
applicant
is
requesting
a
permit
and
expansion.
F
Premesis
free
house
is
expanding
their
premises
to
include
an
area
for
recreation
such
as
curling
shuffleboard
seasonally
free
house
has
been
operating
at
this
location
since
2013.
There
is
no
change
in
entertainment,
they're,
offering
use
of
radio
television
electronically
produced
music
and
jukebox.
There's
no
change
to
their
hours
of
operation
Monday
through
Friday
7:00
a.m.
to
2:00
a.m.
Saturday
through
Sunday
7:30
a.m.
to
2:00
a.m.
for
their
interior
Monday
through
Friday
7:00
a.m.
to
12:00
a.m.
Saturday
through
Sunday
7:30
to
12:00
a.m.
for
their
exterior.
F
They
have
indoor
seating
for
a
250
to
outdoor
seats
for
118
and
a
private
patio
on
December
17th
public
hearing
notices
were
sent
to
residents
and
property
owners
within
450
feet
of
the
premises.
Multi-Unit
buildings
were
posted,
notices
were
also
sent
to
the
Northrop
Neighborhood
Association.
There
were
House
District,
Business,
Association
and
councilmember
Fletcher.
We
received
no
comments
from
the
community.
There
have
not
been
any
significant,
3-1-1
or
police
calls
to
the
business.
A
revised
sac
determination
has
been
applied
for
and
will
be
subject
to
payment
once
that
is
completed.
F
A
There
any
questions
for
staff
on
item
number
1,
seeing
none.
Thank
you
for
your
report,
we'll
open
the
public
hearing
on
item
number
1,
which
is
an
expansion
of
premise
for
the
free
house.
Is
there
anyone
here
to
speak
to
this
issue?
Please
step
forward
state
your
name
and
address
for
the
record
g'day.
G
My
name
is
David
Berlie
I
am
blue
plate
and
free
house
yeah
max
said
we're
putting
in
synthetic
curling
sheets
and
like
bags,
beanbag
toss
and
stuff
like
that,
and
it's
just
it's
sort
of
adjacent
to
our
existing
patio
and
it's
in
what
we
call
in
the
plaza,
which
is
built
by
Nordic
and
United
properties.
So
sort
of
a
sort
of
a
sort
of
joint
venture
sounds.
A
H
You
took
a
man
I'm,
happy
to
move
approval
of
this
I
think
the
neighborhood's
pretty
excited
about
this
new
outdoor
space,
and
it's
been
well
discussed
in
the
neighborhood
and
I.
We
didn't
get
positive
feedback
one
way
or
the
other
off
of
the
notices,
but
we
certainly
did
get
positive
feedback
over
the
course
of
many
months
of
talking
about
it
with
the
neighbor.
So
thank
you
and
I'm
looking
forward
to
checking
it
out
further.
A
E
Members
of
the
committee.
Thank
you.
What
you
have
before
you
is
a
request
for
passage
of
a
resolution
that
would
give
preliminary
and
final
approval
to
authorize
up
to
14.5
million
dollars
in
501c3
tax-exempt
revenue
bonds.
The
project
is
for
a
Kip
which
stands
for
knowledge.
Is
power
program
Minnesota
ABC,
which
is
a
company
that
would
own
the
property.
The
transaction
is
for
the
benefit
of
the
North
Star
Academy
Charter
School,
which
is
at
five
thousand
Oliver
Avenue
north.
E
This
would
be
a
purchase
and
some
renovation
of
the
facility.
The
school
has
been
founded
in
2006,
opened
in
2008
and
currently
has
four
hundred
and
seventy-five
students
K
through
eight
many
of
which
qualify
for
reduced
lunches.
There
many
are
homeless
and
most
are
99%
students
of
color
representatives
here
should
any
of
you
have
any
questions
are.
A
There
any
questions
for
mr.
Curtis
on
item
number
two
seeing
none.
Thank
you
for
your
report,
we'll
open
up
the
public
hearing
on
the
Kip
bond
issuance
on
behalf
of
North
Star
Academy,
Charter
School.
This
is
preliminary
and
final
approval
to
the
issuance
of
up
to
14.5
million
dollars
in
501c3
tax-exempt
revenue
bonds.
Is
there
anyone
here
to
speak
to
this
issue
you're
all
sitting
there?
We
don't
want
to
say
anything
but
I
would.
If
I
were
you
hi.
I
A
A
K
K
K
In
this
is
in
keeping
with
what
we
are
trying
to
do
overall
and
that's
keep
doing
the
great
work
we
are
doing
do
more
of
it
when
we
can
and
to
innovate,
new
ways
of
duo
serving
businesses
and
residents
in
Minneapolis.
So
with
a
huge
thank
you
to
Eric
and
his
team
for
the
huge
amount
of
work
and
outreach
that
they
did
to
bring
forward
these
recommendations
and
status
report
to
you
today,
well
I
guess:
introduce
Eric
Hansen.
Thank
you.
Thank.
L
If
you
councilmember,
Goodman
and
council
members
of
the
committee,
thank
you
for
having
me
if
you'd
give
me
a
moment
we'll
get
to
the
team
members.
If
that's
okay,
as
David
said,
we
are
I've,
been
in
this
job
for
just
a
little
bit
over
a
year,
and
when
we
came
when
I
came
into
this
job,
I
would
have
the
very
big
opportunity
to
run
a
division
that
helps
small
businesses
and
people
work
up
the
economic
ladder
when
I
took
the
job
in
September
of
2018.
L
We
were
at
the
end
of
the
Minneapolis
2040
adoption
process
and
starting
the
I
think
the
substantive
work
of
around
the
strategic
and
racial
equity
action
plan.
There
was
a
number
of
programs
that
the
city
has
had
to
help
support
small
businesses
that
we've
been
looking
at,
that
we've
had
in
place
in
some
cases
since
the
80s
and
we
haven't
hadn't,
been
substantial
review
of
those
programs.
L
We
have
a
couple
of
copies
here,
but
we
also
have
we'll
be
posting
those
online
there
on
our
lim
system
for
those
watching
at
home.
This
is
a
review
of
these
programs
on
the
on
the
on
the
screen.
It
is
not
a
full
evaluation.
When
we
talked
with
the
team,
we
thought
it
would
be
more
useful
to
work
across
the
partners
in
our
system
and
with
our
professional
understanding
of
the
policies,
but
also
how
these
programs
work
to
start
to
answer
some
of
the
questions
and
that
we
have
and
then
uncover.
L
Some
of
the
questions
that
we
still
are
don't
have
the
answers
to
instead
of
undertaking
a
very
costly,
long
term,
full
evaluation
that
probably
keep
us
with
our
heads
down
for
multiple
months,
if
not
a
year.
So
this
is
the
findings
they're,
mainly
one
or
more
of
the
policies
that
come
out
of
2040
relate
to
the
programs
that
the
city
has
to
support
small
businesses.
You
see
those
policies
listed
here
on
the
screen.
L
Also,
I
want
to
be
very
mindful
of
economic
development
imperative
in
the
strategic
and
racial
action
plan
that
looks
at
disparities
between
ownership
of
white
owned
businesses
and
by
pocket
owned
businesses,
but
not
only
to
reduce
that
disparity,
but
to
look
at
how
do
we
support
businesses
to
stay
in
business
over
time?
So
those
are
two
different
things.
L
It's
very
straightforward
to
help
somebody
start
a
business,
it's
a
much
more
complicated
strategy
to
help
them
stay
in
business
and
we're
hopeful
that
some
of
the
recommendations
here
move
us
towards
that
better
align
us
with
those
none
of
those
policies
in
2040,
but
the
strategic
and
racial
equity
action.
So
in
this
review
we
asked
these
five
questions.
L
We
did
this
with
our
partners.
I'm
gonna
go
through
our
parts.
We
we
had,
though
teal
who
runs
our
small
business
team
in
miles.
Mercer
ins,
our
business
development
team
and
some
of
the
staff
depending
on
the
partners,
went
out
and
met
with
22
providers
about
30
plus
people
in
this
group.
You
see
their
names
on
the
list
here
and
we
asked
those
questions
about
how
it's
going
and
what
we
could
do
to
be
more
aligned
with
the
policies
of
the
city
and
be
more
impactful
around
our
outcomes.
L
We
also
used
a
lot
of
staff
resources
on
this
list
with
Becky
Shaw
Emily
Peterson,
Jim,
Terrell,
Judy,
Moses,
Lisa,
Pacis
and
Rebecca
Parral
all
on
the
business
development
team.
They
helped
us
with
the
kind
of
review
of
the
inner
workings
of
these
programs
as
administrators
and
their
reflect
about.
Most
of
them
won't
like
this,
but
decades
of
professional
experience.
All
together.
I
L
L
This
is
a
you
know,
just
a
review
of
our
programs,
so
we're
gonna
have
some
questions
that
are
gonna
remain
out
of
this
work,
but
we
found
that
most
of
our
programs
do
connect
to
2040.
In
some
way,
we
found
that
while
we
did
not
have
an
intentional
racial
equity
lens
on
most
of
our
programs,
except
for
the
business
and
technical
assistance
program,
we
are
actually
having
some
good
outcomes
where
those
you
know
we're
by
pok
own
businesses
are
actually
being
supported
or
than
they
are
reflective
in
the
in
the
economy.
L
It's
those
community
based
organizations
which
were
really
really
fortunate
in
the
city
of
Minneapolis
to
have
that
have
the
ability
to
to
break
through
those
cultural
barriers
that
the
city
might
have
with
businesses
to
really
effectively
deliver
this
outcome,
so
we're
very
fortunate
to
have
these
organizations
helping
us
and
being
part
of
this,
this
kind
of
small
business
ecosystem.
We
also
learned
in
this
in
this
study
that
we
we
do
not
have
really
accurate
data
on
who
we're
serving.
We.
Don't
we
don't
have
them
across
their
programs.
We
don't
have
them
across
the
participants.
L
So
in
in
general,
kind
of
the
the
what
we
found
out,
what
we
would
like
to
do
is
basically
better
at
tracking
demographics,
as
I
said,
and
then
working
with
this
community-based
organization,
around
increased
collaboration
around
making
sure
that
these
organizations
are
sharing
best
practices,
because
your
relationship
with
the
community-based
organization
will
vary
across
the
city
and
therefore
your
service
will
vary.
We
know
that
that
we
touch
about
maybe
three
percent
of
the
businesses
through
our
small
business
programs.
L
We
have
about
12
to
13
percent
of
the
businesses,
have
business
licensing,
so
it
all
together,
there's
about
15
percent
or
so
of
the
businesses
have
a
relationship
with
with
Minneapolis.
So
that's
about
6500
of
the
40,000
businesses
in
Minneapolis
and
those
are
those
are
estimates
there's
a
plus
or
minus
in
there.
L
You
have
to
know
to
call
the
city
or
call
these
organizations
or
I'll
be
aware
of
these
resources
in
order
to
take
advantage
of
them,
and
so
the
idea
of
around
how
we
can
better
serve
the
small
business
community
is
to
make
sure
that
that
handshake
is
no
longer
secret,
so
that
we
can
be
very
aligned,
and
we
can
do
that
through
awareness
and
marketing
and
in
some
cases
we
want
to
increase
direct
services.
So
one
of
the
things
that's
been
why
we
haven't
had
a
long.
L
A
lot
of
evaluations
of
these
programs
is
this
as
a
city?
That's
that
that's
been
given
a
lot
of
permission
by
the
council
to
be
innovative
as
we
go
along.
So
in
the
case
of
the
facade
improvement
program,
for
example,
in
areas
that
did
not
have
service
providers
that
was
identified,
need
the
city
and
the
staff
Judy
Moses
on
our
staff
actually
administers
direct
training
to
those
to
those
businesses.
That
would
not
be
served
by
a
community-based
organization,
and
we
have
some
other
examples.
L
But
we
we
know
that
we
have
Czar's
opportunities
to
maybe
fill
in
where
those
community-based
organizations
are
not,
and
then
we
continue.
We
have
to
continue
to
look
at
the
barriers.
Those
small
business
lending
programs
and
the
small
business
supports
programs
of
the
city
are
only
one
tool
in
the
economic
development
program
for
the
city.
We
do
not
know
all
of
the
answers,
because
we
only
know
from
our
own
experiences
and
our
professional.
L
Both
are
professional
personal
lives,
so
we
have
to
continue
to
work
with
our
community-based
partners,
entrepreneurs
that
are
in
the
community
and
and
and
just
general
community
members
about
what
barriers
are
out
there.
Let
me
talk
about
some
programs.
Here's
we
have.
We
looked
at
five
lending
programs,
the
number
one
program.
Ninety
percent
of
our
activity
is,
in
the
two
percent
moment
program
for
those
unfamiliar
two
percent
loan
programs,
a
participation
loan
program,
which
means
we
have
a
private
entity
there,
community-based
organization
or
a
Bain
or
private
or
a
CDFI.
L
A
commercial
lender
will
lend
money
to
a
to
a
business,
and
then
the
city
will
match
up
to
that
amount
up
to
a
cap,
and
it
depends
on
where
you
are
in
the
city.
What
that
cap
is
we'll
just
use
$75,000
as
as
is
the
general
cap
for
this
discussion
today
and
that
that
program
has
been
around
since
1986.
It's
our
one
of
our
oldest
economic
development
programs
in
the
city,
most
long
with
the
most
longevity,
the
other
programs
we
have
alternative
financing
is
is
similar
to
the
2%
loan
program,
but
it's
Sharia
compliant.
L
So
there
is
no
interest
if
you're
unable
to
to
to
take
interest
in
interest
rate.
We
we
have
a
product
for
that.
That
program
is
was
used,
was
started
about
10
years
ago,
was
used
right
away,
and
then
it
has
since
drawn
down.
We
have.
We
haven't
had
a
lot
of
takers
for
that.
We
equate
that
to
some
of
the
organizations
that
have
been
administering
those
programs.
African
Development
Center
was
our
main
partner
in
that
in
that
product,
and
that
stay
with
a
unfortunate
passing
of
that
executive
director.
L
That
kind
of
slowed
the
use
of
that
tool,
but
it's
still
an
important
one
to
have
for
those
who
need
it.
The
other
three
homegrown
health
and
safety
or
the
next
two
homegrown
and
health
and
safety
have
been
used
for
specific
sectors
in
the
economy.
One
is
around
home,
smaller
businesses,
their
food
based
and,
and
then
the
second
one
is.
L
When
is
a
partnership
we
have
with
the
Health
Department,
where,
if
you
have
a
health
code
violation-
and
you
don't
have
that
capital
for
it,
you
can
get
a
loan
to,
let's
say,
replace
your
hood
inventor
or
what
have
you
in
the
kitchen?
Those
two
programs
have
been
used
very
sparingly.
In
fact,
the
the
health
and
safety
program
has
not
been
used
and
we
found
in
that
case.
Typically,
people
can
find
other
cash
to
do
the
improvements
or
they
can
use
other
loan
programs.
For
that
and
we'll
be
talking
about
recommendations
later
mr.
L
L
L
We
can
continue
to
ask
that
question
right
now.
That
is
a
pretty
good
interest
rate.
What
it
does
is
it
blends
the
rate
for
the
borrower
brings
that
cost
of
the
capital
down
at
this
point,
we're
not
recommending
changing
that
rate.
We're
actually
looking
at
some
recommendations
around
the
uses
of
the
funding
and
the
lending
limits,
but
we're
not
no
not
contemplating
the
interest
rate.
Fact
it's
you
know
so
widely
known
if
we'd
have
to
get
a
new
name
for
it,
it
sure.
B
L
Chair
council,
member
Gordon,
you're
jumping
ahead
in
the
presentation,
so
let's
go
right
to
that
slide.
We
find
that
you
know,
overall,
with
connections
to
to
these
programs
we're
effective
at
financing
these
like
physical
goods.
So
2%
has
not
been
a
working
capital
for
those
who
are
thinking
about
it's
like
payroll
or
or
you
know,
your
financing,
like
some
receivables,
those
non
tangible
assets
in
your
in
your
business
plan.
L
The
city's
programs
have
been
good,
for
you,
know,
buying
a
piece
of
equipment
or
putting
up
tenant
improvements
in
a
building
or
in
some
cases
in
very
few
cases
you
know
potentially
buying,
maybe
buying
some
property.
We
we
found
over
the
period
of
time
we
have
a
very
low
default
rate,
it's
like
1
or
2
percent.
Sometimes
so
it's
not
it's
not
very
large.
We
do
have
for,
while
all
all
lenders
can
participate
in
and
we've
had
40
participated
in
the
past.
L
I
L
L
The
there's
a
number
of
ways
to
get
to
that
to
that
metric
with
the
with
with
the
federal
government's,
but
I
would
say
that
most
of
these
baits
are
smaller
and
look
for
small
businesses.
They've
been
actually
pre,
pretty
big
partners
with
the
city's
economic
development
programs
for
years,
because
they're
ones
that
will
participate
in
the
smaller,
like
corner
stores
and
restaurants,
and
they
because
they're
they
have
to
generate
that
type
of
business.
We
we
have
in
the
past,
worked
with
the
larger
banks.
L
L
You
know
anecdotally,
it's,
because
that
business
already
had
a
relationship
and
they
want
to
use
the
program,
but
mostly
the
banks
that
are
kind
of
moving
this
product
for
us,
it's
as
those
community
based
banks
and
and
that's
that
that
makes
sense,
because
those
small
businesses
have
those
relationships
with
those
banks,
and
so
you
know
there's
where
they
put
their
deposit
in
a
checking
account
all
that
sort
of
things.
And
then,
when
they
need
capital
they
go
to
the
to
that
bank
and
then
their
service
there,
as
well.
L
So
as
far
as
kind
of
outcomes,
I
was
talking
you
earlier
about
a
third
of
the
borrower's
or
by
pocket
entrepreneurs
and
that's
higher
than
their
proportionate
proportionality
in
the
in
the
economy.
But
what's
unnerving
for
us
and
a
question
that
we
have
is
the
private
match
is
eighty
percent
higher
for
white
owned
businesses
and
by
Paco
and
businesses,
and
so
we
don't
know
enough
information
to
intelligently.
Tell
you
why
that
is
different.
L
We
only
have
speculation
about
why
that's
different,
but
that's
a
question
that
we
still
have
on
the
table
and
want
to
figure
out.
Why
and
then
the
other
thing
that
is
important
around
racial
equity
is
we
don't
know
the
borrower
or
pipeline,
and
what
that
means
is
we
don't
know
how
many
people
are
not
getting
to
the
closing
table?
L
They're
asking
for
land
funding
they're
asking
to
you
know
to
to
borrow
money
for
whatever
business
venture
and
they
never
get
there,
because
the
data
we
have
are
for
loans
that
are
being
closed
and
that
loans
application.
So
we're
trying
to
figure
out,
we
need
to
figure
out
a
better
way
of
articulating
what
that
pipeline
is
in
that
program.
L
So
to
your
question,
council
member
Gordon,
the
estimate
from
the
interviews
we
had
this
summer
is
that
half
the
deals
would
would
not
occur
without
the
2%
loan
program
so
that
you
speculate
that
the
other
half
would
if
there
wasn't
the
2%
loan
program.
So
we
don't
know
the
answer
necessarily
to.
Why
that
why
there
is
you
know
it
wouldn't
have
happened
or
wouldn't
happen.
Some
of
the
reasons
that
we
understand
why
people
participate
in
is
one
it's.
L
It
is
something
that
will
finance
a
portion,
so
it
frees
up
of
like
a
physical
need
and
it
frees
up
use
of
the
funds
for
like
working
capital.
Sometimes
it's
it's
a
collateral
shortfall.
It's
just
a
little
bit
and
the
it's
either
to
get
the
2%
loan
program
or
the
entrepreneur
would
have
to
bring
the
cash,
especially
in
it
something
a
larger
deal
and,
as
maybe
a
real-estate
component
to
it.
A
Smaller
banks
would
actually
make
these
loans
without
our
match.
Isn't
there
some
kind
of
give-and-take
on
that
where
we
feel
good,
because
the
small
bank
does
the
underwriting,
so
we
don't
have
to
staff
that,
but
on
the
flip
side
they
don't
take
on
all
the
risk
because
we
offer
a
portion
of
the
loan.
So
it's
kind
of
symbiotic
for
both
the
bank
and
the
city.
Correct.
L
Right,
there's
there
there
isn't.
We
need
to
know
more
about
if
the
bank
would
do
the
loan
on
those
other
half
that
half
of
or
not,
because
that's
just
an
estimate,
that's
something
we
we
thought
was
interesting
from
our
conversation
and
we
didn't
add.
We
we
need
to
tease
out
what
that
means.
We
do
need
their
relationship,
they
do
we
we
would
I
would
say
this
is.
My
recommendation
would
be
to
continue
a
participation
loan
program
because
people
are
more
likely
to
pay
back
a
private
source
than
the
city.
L
A
A
A
L
Did
not
ask
that
question,
but
it's
where,
where
it's
something
that's
still
on
the
the
it's
when
we're
trying
to
tease
out
what?
What's
this
other
half
that's
a
question,
we
want
to
ask
with
the
lenders
and
and
take
that
into
consideration
to
get
more
information
around.
You
know
the
specific
loans,
so
in
the
last
to
give
you
kind
of
a
sense
of
how
many
loans
we
did
in
the
last
five
years
has
been
about
two
hundred
so
like
we
would.
L
L
How
is
this
making
it
more
of
a
deal
that
you
would
do
you
know
the
go
no-go
point
so
we're
we
just
we're
gonna
continue
to
ask
those
questions
as
we
go
along
because
we
don't
know
the
answer
to
them,
but
we
are
seeing.
You
know
we're
seeing
use
of
the
program.
So
we
know
that
they're
at
least
they're
using
it
and
we're
not
oversubscribed.
L
We
use
on
average
about
eighty
five
percent
of
our
budget
allocation,
so
that
money
comes
back
and
since
we
have
such
a
load
default
rate
that
money
all
comes
back
or
most
of
it
comes
back
to
the
city
and
then
it's
being
used
for
other
places
and
then
the
City
Council
is
very
generous.
They
continue
to
give
us
that
budget
every
year
for
that
program,
so
we
continue
to
use
it.
So
we're
kind
of
teasing
out
what
the
impacts
would
be,
because
we
don't
know
necessarily
how
that
would
impact
the
repayment
rate
the
risk
level.
A
L
A
B
Have
a
little
bit
of
a
question
curious
about
not
knowing
who
applies
for
these
loans.
I!
Think
that's
a
piece
of
information
they
could
be
very.
Concerning
I
mean
you
just
look
at
the
line
where
it
says
the
private
loan
match
is
eighty
percent
higher
for
white
borrowers.
What
makes
me
wonder?
Is
there
any
disparity
about
somebody
when
they
walk
in
to
apply
for
a
loan
based
on
their
race?
How
many
people
are
denied
and
why?
And
so
they
don't
actually
apply
directly
to
us
for
the
2%
loan.
L
Councilmember
Goodman
comes
member
Gordon,
the
the
way
it
works
is
they'll
apply
to
the
to
the
bank,
so
the
bank
will
do
the
initial
underwriting
and
then
they'll
send
the
deal
to
the
city
and
it
will
review
it.
So
there's
not
a
direct
application
to
the
city
for
this.
It's
that's
the
nature
of
a
participation
loan
program
and
that's
some
of
the
data
that
we
need
is
who
is
coming
in
that
doesn't
that
washes
out
through
that
system
and
doesn't
get
to
the
closing
table?
L
It
was
the
very,
very
early
indicator
of
something
we
need
to
continue
to
work
on
and
find
out
what
that
pipeline
is
that's.
That
is
a
consistency
across
all
of
this
review
and
all
the
work
we
do
is
is
who's
been
left
out
and
how
do
you
quantify
that
and
that's
very
challenging,
because
not
only
is
it
the
people
who
apply
like
actually
fill
out
an
application
work
with
a
you
know:
commercial
banker,
it's
who
walked
into
the
bank
or
into
the
community
of
the
entity
and
was
like
no
I'm
gonna
walk
right
back
out.
L
B
I
agree
that
that
information
would
really
be
valuable
and
I
also
know.
We
need
information
at
the
end
of
the
line
in
terms
of
all
of
our
programs
about.
Did
it
actually
make
a
difference,
because
I
don't
know
that
we
necessarily
track?
Is
somebody
still
in
business
five
years
later
and
that
and
as
the
business
grow
on
or
not
did
it
did
the
loan
do
any
good
here
or
even
the
other
programs,
but
so
I
want
to
emphasize
getting
that
in
front
end.
Information
would
be
really
good
and
I
think.
A
H
You,
chair
Goodman,
so
to
make
sure
I
understand
because
I'm
picturing
a
sort
of
a
pie
chart
of
the
borrowers,
and
it
looks
not
too
far
off
from
our
city
population
in
terms
of
a
third
of
borrowers
being
bite
by
pod
business
owners.
But
then,
if
the
80%,
if
the
private
loan
match
is
eighty
percent
higher
the
amount
of
money,
we're
leveraging
for
business
owners
that
pie
chart
would
look
very,
very
skewed.
We're
leveraging
a
lot
more
money
for
white
business
owners
is.
L
H
Yeah
that
feels
like
a
really
important
question
for
us
to
drill
down
on
for
sure
and
then
I'm
wondering,
if
part
of
the
answer
isn't
in
that
1
to
2
percent
default
rate,
because
that
I
don't
have
enough
experience
giving
these
loans
so
I'll
defer
to
you.
But
that
sounds
like
the
kind
of
default
rate
you
would
that
the
commercial
banks
would
be
looking
for.
So
it's
hard
for
me
to
see
where
we
don't
it
feels
like.
L
For
these
lands,
chair
government
comes
member
Fletcher.
What
I
would
say
is
we
have
to
look
we've
look
at
our
business
support
in
totality
in
some
cases,
you
might
be
right
that,
with
the
the
banks
underwriting
criteria,
even
the
community
banks
is
too
restrictive
and
that's
why
we're
getting
such
a
small
default
rate?
L
So
it's
possible?
That's
it
by
the
time
we
they
are
participating
in
this
2%
loan
program.
These
are
maybe,
in
that
second
stage
or
getting
getting
bigger.
We
don't
I
will
agree,
we
don't
know
once
and
to
your
point:
counselor
Gordon,
we
don't
know
what
happens
to
a
business
over
a
period
of
time.
We
don't
have.
If
you
participated
in
peat
app,
we
don't
know
if
you've
gotten
a
two
percent
loan
program.
L
We
don't
have
that
unified
data
set
that
relationship
management,
which
is
going
to
be
important,
especially
for
trying
to
track
you
over
to
a
period
of
time.
So
those
are
questions
that
we
were
going
to
ask
about
is
the
is
the
lending
restriction?
You
know
the
underwriting
criteria.
You
know
we
have
to
remember
that
our
the
organizations
we're
working
with
have
regulations
that
they
have
to
meet,
so
we
want
to
be
supportive
of
them,
not
breaking
laws
and
that
sort
of
thing
so
we'll
work
with
them
and
about
where
we
can
find
some
flexibility.
L
The
recommendations
that
we
have
in
the
report
talked
about
some
kind
of
initial
first
steps,
as
we
continue
to
gather
some
information
to
make
it
more
streamlined
and
that's
around
lending
limits,
increasing
lending
limits
which
would
come
back
to
the
City,
Council
and
and
eligible
uses.
So
just
just
kind
of
test
it,
along
with
other
findings,
we
have
with
the
other
two
programs.
L
So
we
talk
quickly
about
the
great
streets
program.
Great
streets
program
was
tough.
It
started
2007.
The
two
core
programs
that
we
looked
at
were
the
facade
improvement
program
in
the
business
district
support
program.
The
facade
improvement
program
is
a
matching
grant
that
helps
revitalize
and
sustain
economic
vitality
of
the
city's
commercial
district.
So
it's
basically
improvements.
Frontages
of
businesses,
the
business
district
support
grants.
B
A
question
about
this
I
just
wanted
to
make
a
comment.
While
we
were
on
that
slide
and
I'll,
try
not
to
comment
on
every
slide
and
ask
questions,
but
this
is
an
issue
that
I've
been
thinking
about
for
a
long
time
since
I've
been
on
the
council.
If
you
look
at
where
the
second
Ward
is
you'll
see,
there
aren't
very
many
I'm
orange
triangles,
there's
a
strip
of
them
that
go
through
Lake
Street
and
there
is
a
Lake
Street
Council
and
there's
a
long
fellow
Business
Association
there,
but
going
north.
B
Even
though
there's
Como,
Avenue
and
East
Hennepin
Avenue
I
mean
University
Avenue.
There
aren't
very
many
facade
improvements
there,
because
there's
no
business
association
serving
the
area,
even
though
there
is
a
commercial
corridor.
So
my
question
is
and
I've
tried
to
get
people
together,
I've
even
tried
to
lure
of
civic
and
commerce
Association
or
to
consider
serving
a
bigger
area.
They
moved
more
into
Longfellow,
so
I
guess
my
question
or
put
out
there
is:
how
can
we
help
create
civic
associations
or
business
associations
where
there
are
none?
B
And
you
talked
a
little
bit
about
how
we
do
administer
some
of
the
loans
and
that's
the
other
options.
How
can
we
do
better
outreach?
You
can
also
look
up
in
the
fourth
warden,
of
course,
I'm
not
that
familiar
with
the
commercial
corridors
there,
but
there
are
probably
a
few,
but
there
don't
seem
to
be
that
many
and
facade
improvement
loans
there
and
they
I'm
not
sure
if
they
have
a
business.
B
L
We
will
look
for
if
there's
a
need,
we
look
to
fill
that
barrier
and
that's
the
4th.
Ward
is
an
example
of
that,
where
we
directly
administered
facade
grants,
because
that
lack
of
the
organization
and
based
on
our
conversation
with
this
map,
identified
that
that
area
of
the
second
Ward
as
well,
but
that's
where
we're
trying
to
be
as
innovative
as
possible
to
support
these
small
businesses
when
there
is
an
a
community
based
organization.
L
L
We
see
usage
of
this
program
we
have,
as
you
know,
we
have
an
annual
RFP
for
most
of
these
or
both
of
these
programs
and
we're
usually
over
subscribed
by
hundreds
of
thousands
of
dollars.
So
there's
a
big
awareness
of
this
program,
but
it
also
shows
the
value
that
the
community-based
organizations
have
we
do.
We
did.
L
L
Kind
of
complaints
that
we
can't
do
like
systems
work
inside
of
buildings
and
with
the
additional
funding
and
policy
direction
from
the
council
in
the
2020
budget,
we
were
able
to
do
that
in
cultural
districts
and
hopefully
we'll
see
some
success
and
then
come
back
with
some.
Some
suggestions,
they're
in
business
district
support.
The
main
issue
that
we're
looking
at
is
sometimes
organizations
are
wanting
to
come
back
multiple
years
with
for
the
same
thing,
they
want
us
to
be
a
perpetual
funder
for
something
sometimes
there's
some
value
to
that,
and
sometimes
it's
like.
L
Let's
you
know,
let's
put
the
money
in
different
areas.
We
are
going
to
evaluate
whether
or
not
there's
a
there's
an
opening
from
a
policy
standpoint
to
have
maybe
two
different
funds
from
BDS,
and
one
of
them
is
just
like
organizational
support
that
we
have
that
network.
The
value
of
the
network
in
Minneapolis
is
when
we
need
to
deploy
resources.
They
are
additional
they're
kind
of
additional
people
on
our
and
our
Arsenal
to
go
out
and
talk
to
businesses
and
help
us
with
relationships.
L
So
when
the
small
business
team,
for
example,
goes
out,
they
can
go
out,
maybe
with
the
organization,
and
so
it's
it's
important
for
us
to
keep
those
relationships.
The
business
technical
assistance
program
was
designed
for
racial
equity,
so
85%
of
the
participants
in
beat
app
are
by
Paco
own
entrepreneurs.
You
can
see
kind
of
the
distribution,
the
participation
we
have.
We
have
woeful
data
and
outcomes
with
Native
American
owned
businesses.
You
see
that
throughout
the
report
it's
almost
non-existent.
L
L
Overall,
beat
app
only
shows
a
portion
of
the
businesses
that
are
being
served
so
for
B
tab,
the
core
program.
We,
the
City
Council,
will
approve
an
allotment
of
funding
for
community-based
organizations
and
they
provide
the
technical
assistance
and
there's
a
menu
of
items
that
they
can
build
towards,
but
it's
only
a
portion
of
the
of
the
assistance
that
they
provide.
L
Most
of
the
businesses
you
can
see
are
you
know,
there's
non
basic
industries
like
food
based
retail
health
care,
personal
services,
we're
not
sure
where
we're
gonna
get
the
next
Medtronic
out
of
this,
you
know
or
Pillsbury,
and
so
we're
gonna
think
about
that
a
little
bit.
It's
like
what
are
we
doing
with
businesses
that
are
having
you
know,
looking
at
producing
and
manufacturing
and
and
that
sort
of
thing
these
might
be.
L
The
early
starts
of
those
serial
entrepreneurs
who
start
a
business,
and
you
know
maybe
health
care
or
you
know,
open
a
restaurant
and
then
move
on
from
there.
So
we're
trying
to
figure
that
out
our
use
of
CDBG
funding
sometimes
can
be
a
restriction,
and
then
we
get
as
with
all
programs,
it
depends
on
who
you're
working
with
and
what
kind
of
level
of
service
you
have
again.
L
Tracking
and
just
awareness
of
the
program
are
consistent
with
with
b10.
So
what
are
we
gonna
do
about
it?
First
of
all,
I
want
to.
Let
you
all
know
that
the
be
tab
program
is
now
part
of
the
small
business
team.
When
we
did
s
reap,
we
did
the
process.
Mapping
and
the
positive
thing
is
the
small
business
team
phone
number
is.
L
There
is
a
building
awareness
of
that
phone
number
and
there's
a
building
awareness
with
the
policy
leaders
of
the
small
business
team
being
there,
and
so
they'll
get
a
number
of
calls
a
year
and
it
can
increase.
It's
still,
not
a
lot,
but
they'll
get
some
calls
continues
to
increase
and
they
have
they
go
one
of
two
directions:
one
they
go
inside
the
city
hall.
L
They
try
and
figure
out
how
to
get
a
license
or
whether
they
need
an
encroachment
permit,
or
you
know
just
those
kind
of
process,
improvements
and
and
and
just
kind
of
Ombudsman
person
role.
The
navigation
of
the
city
system,
the
other
one
is
about
technical
assistance.
They'll
call
and
they'll
ask
how
do
I
start
my
business,
where
the
resources
and
when
we
were
doing
the
s
we
found,
we
found
that
there
was
a.
L
There
was
a
warm
handoff
and
at
that
point
in
time
the
small
business
team
was
in
the
coordinators
office
warm
handoff
to
the
to
the
B
tab.
But
there
was
no
system
to
track
what
happened
to
that
business
once
it
was,
was
handed
off
to
the
provider
or
or
in
some
cases
it
was
just
here
are
some
providers
you
might
want
to
think
about,
and
we
never
managed
it.
L
That's
your
first
place
to
start
the
City
Council
was
very
generous
this
year
and
adding
an
another
business
outreach
specialist
that
will
be
hiring
this
year,
so
we'll
have
three
on
staff.
That
will
also
be
doing
some
proactive
business
calls
in
our
business
districts.
So
we're
working
on
that
plan
as
well.
So
we're
going
to
make
some
program
modifications
those
programs
are
list.
L
Those
modifications,
I
have
general
modifications
when
we
look
at
what
I
have
here
is
is
around
marketing
and
you
know
written
data
collection,
and
then
we
have
to
think
about
who
what's
the
appropriate
role
of
our
external
partners,
we
do
an
ad
hoc
relationship.
We
also
have
the
business
advisory
group
that
reports
to
the
council
from
time
to
time
and
what
what
is
the
right
time
to
who
are
the
appropriate
people
that
we
need
continue
to
work
with
and
win.
L
We
also
want
to
set
up
kind
of
a
some
regularity
to
why
how
we're
checking
in
on
how
the
programs
are.
This
has
been
done.
You
know,
for
the
first
time
in
a
while
and
I,
don't
know
how
long
a
while
is
it's
hard
for
me
to
plan
for
that,
so
we
want
to
set
a
kind
of
a
system
of
when
we
look
at
these
programs,
whether
it's
yearly
or
every
five
years
or
so,
and
report
back
to
the
City
Council.
L
From
with
respect
to
program
changes
you'll
see
in
the
report,
we're
looking
at
some
loan
limit
and
changes
to
the
two
percent
loan
program
we
need
to,
as
I
mentioned,
align
some
of
the
great
streets.
One
of
the
things
we
need
to
come
to
the
City
Council
is
the
the
facade
program
is
a
geographically
based
program
based
on
the
last
comprehensive
plan
and,
as
we
all
know,
the
2040
plan
has
changed.
L
In
PTA
we
talked
about
the
refinement
of
the
contracting,
with
with
service
providers
and
and
maybe
serving
more
folks,
and
then
the
other
thing
that
came
out
of
the
2020
budget
was
some
additional
support
for
coops
they.
The
City
Council,
was
also
generous
to
us
with
some
funding
to
help
with
coops.
We
have
a
co-op
technical
assistance
program
in
that
program.
It
helps
around
how
to
how
to
start
a
co-op.
L
The
funding
that
the
City
Council
and
the
mayor
provided
to
us
this
year
helps
us
with
the
transactional
costs
of
it,
establishing
that
co-op
and
we're
working
with
Nexus
community
partners
around
a
program
development.
So
I
just
wanted
to
mention
that,
because
that's
something
that
will
be
coming
forward
and
then
from
our
other
programs
we're
talking
about
maintaining
those
alternative
financing
program
homegrown,
we
do
not
get
anybody
using
health-and-safety
we're
going
to
be
coming
forward
with
a
recommendation
about
discontinuity
that
program.
L
But
we
do
that
together
with
the
health
department,
so
we'll
work
with
them
on
that
and
then
I
want
to
mention
the
commercial
property
Development
Fund.
So
again,
the
City
Council
put
2.7
million
dollars
into
the
economic
development
budget
to
help
with
financial
equity
gaps
in
real
estate
projects
in
cultural
districts
and
we'll
be
refining
coming
forward
and
in
the
first
quarter
of
this
year,
with
some
guidelines
for
that
program,
and
hopefully,
some
initial
requests
for
a
designation
of
those
funds.
A
H
You,
chair
Goodman,
so
thinking
about
the
so
the
way
this
report
was
structured
really
looks
at
external
partners.
So
the
people
who
are
kind
of
initiating
these
loans
are
helping
us
provide
these
services
and
we
got
feedback
from
them.
But
I'm
wondering
in
thinking
about
the
recommendation
for
the
2%
loans
that
we
raise
the
limits,
I'm
wondering
if
that
was
generated
out
of
business
feedback
and
I'm,
especially
interested
in
our
analysis,
about
if
the
people
getting
the
higher
dollar
value
loans
and
leveraging
more
money
out
of
these
loans
are
mostly
white
business
owners.
H
L
Jericho
van
councilmember
Fletcher,
we
did
go
to
the
providers.
We
also
used
our
staff
team,
which
has
connection
not
only
to
the
providers
but
also
to
the
business
community
and
we've
we've
received
feedback
from
businesses.
I
don't
have
the
specifics
on
how
many
businesses
about
the
lending
limits
as
an
issue.
The
recommendation
that
we're
proposing
is
around
property
ownership
for
the
for
those
businesses
that
are
trying
to
be
owner-occupants
and
and
creates
a
wealth
building
tool.
L
One
of
the
things
that
that's
going
to
restrict
the
city
is
the
small
business
subsidy
Act
and
it's
gonna
be
a
need
to
have
an
ordinance
change
in
order
to
do
it.
So
we're
we're
saying
that
there's
probably
we
need
more
access
to
capital,
we
need
more
guidelines
about
who
would
be
able
to
access
that
capital.
So,
in
the
case
that
you
reference,
if
it's
somebody
who's
is
doing
a
big
deal
and
I
just
won
$75,000,
we
probably
would
say
that's
the
cap
for
that.
L
But
in
a
case
where
you
wanted
to
buy
a
building,
let's
say
on
the
corner
of
you
know
like
in
Bloomington,
and
that
might
be
where
we
would
have
the
extended
cap.
So
those
things
are
still
being
worked
out.
But
we
have
heard
that
is
a
need
not
only
the
different
types
of
capital
but
access
to
and
we're
also
looking
at
the
what
would
be
the
value
of
adding
working
capital
as
part
of
an
eligible
use
not
only
in
the
2%
loan
program.
D
D
Like
this
effect
was
microphone
after
was
curious
before
both
of
our
times
here.
I
know
that
the
innovation
team
engaged
in
a
review
of
some
of
this
work
as
well
and
and
I
also
definitely
trust
your
team's
ability
to
review
and
evaluate
these
programs,
but
also
it
can
be
helpful
to
have
sort
of
like
that
third
set
of
eyes.
How
have
you
guys
engaged
with
the
innovation
team,
considering
the
work
that
they
did
in
2016
as
you
proceed
in
this
in
this
work?.
L
Chair
Goodman
comes
from
ever
Ellison.
You
sound
great
by
the
way.
What
I
would
say
is
we
poached
the
innovation
team
person
to
lead
the
small
business
team?
So
whoever
did
that
before
I
got
here,
Bravo,
so
I've
really
close
connection
to
that
report.
So
we
are
open
to
advice.
You
know
on
what
we're
doing
again.
Like
I
said
we
can
only.
L
We
can
only
determine
what
we
know
from
our
own
experiences,
both
personal
and
professional,
and
so
we
need
to
continue
to
expand
the
voices
that
help
us
with
the
identification
of
the
barriers,
and
there
may
be
some
possible
solutions.
One
of
the
I
think
the
benefits
of
just
doing
this
review
is
we're
not
coming
in
with
with
a
bunch
of
set
like
here's.
What
you
need
to
do.
We've
been
working
on
this
for
two
years.
L
So
if
you
think
that
it
was
too,
if
there
was
too
many
of
the
providers-
and
you
want
us
to
talk
to
other
people-
we
will
definitely
do
that
as
we
develop
it
and
that's
why
we
have
that
recommendation
about
how
how
do
we
have
our
external
partners
when
when
do
we
talk
to
them?
And
it's
not
simply
just
the
providers,
it's?
How
do
we
get
businesses
involved?
How
do
we
get
you
know?
D
There's
two
other
things
one
is
we've
got.
You
guys
have
have
a
list
of
next
steps
based
on
this
initial
review.
That
I
think
are
great
I'm
excited
to
see
us
pursue
all
of
them.
What's
the
next
steps
in
terms
of
a
deeper
level
of
evaluation,
you
know
at
the
beginning.
This
is
this
is
an
evaluation.
This
is
sort
of
a
review
of
what
we're
doing.
It
sounds
like
we've
already
sort
of
indicated
that
there
are
some
some
practice
changes
that
can
be
had
that
can
be
made
just
from
the
initial
review.
L
Governor
councilmember
Ellison,
we
will
we'll
be
developing
that
with
the
team,
so
you
see
there's
a
we
identified
actors
and
teams
that
will
these
will
nest
under
in
the
in
the
report.
We
also
talked
about
you
know
things
that
are
that
require
counseling.
We
believe
for
required,
and
the
ones
that
can
be
staffed
will
be
coming
back
to
you
with
some
some
some
periodic
reports.
The
main
questions
that
we
talked
about
at
length
here-
we're
gonna,
be
looking
at
how
to
effectively
answer
that
question.
L
But
ultimately
we
want
to
make
some
it's
a
lot
of
work
here.
It's
definitely
a
lot
of
work
here
we
have
some
opportunity
for
some
improvement.
We
want
it.
We
want
to
get
some
of
those
things
that
we
can
do
quickly
done
and
then
look
at
those
longer
term
those
long
term
issues,
one
of
the
things
I
think
this
that's
really
important
to
be
first
step
is:
how
are
we
collecting
the
data
and
how
are
you
managing
the
relationships
with
those
businesses?
L
So
when
a
business
does
come
in,
we
know
who
they
are,
and
we
have
that
you
know
we
can
start
the
track
and
then
we
can
start
asking
those
those
larger
questions
about
that
other
50%.
What's
what
what
gives
with
that
and
and
we
might
find
in
because
we're
again
we're
not
we
don't
know
the
answers.
We
might
find
that
they're
very
reasonable,
there's
a
very
reasonable
answer
as
to
why
they
estimated
50
percent
wouldn't
come
wouldn't
happen
in
50
percent.
L
A
J
Logic
model
and
so
I
really
appreciate
the
breakdown
of
what
the
inputs
are,
what
the
activities
are,
what
the
outputs
are
and
what
exactly
does
success
look
like
and
in
each
of
these
programs?
So
that's
really
helpful
and
really
increases
transparency.
Like
I
said
this
overall
was
a
really
great
report.
I
have
some
specific
programmatic
questions
and
then
some
higher-level
questions.
So
in
terms
of
great
streets,
both
with
the
facade
and
the
business
district
support
program
programs,
the
there
is
an
assumption
that
there
is
already
a
business
association.
J
We
filled
the
gap
in
more
for
with
the
city
being
a
direct
provider.
You
know
lender
and/or
provider
in
that
way,
but
I
also
feel
like
there's
an
opportunity
for
the
community
to
have
more
agency
by
supporting
the
development
of
a
business
association
so
that
there
is
more
agency.
So
one
of
the
questions
that
I
had
is:
is
it
possible
for
the
business
district
support
program
to
be
utilized
for
starting
a
new
business
association.
L
We've
supported
some
some
younger
organizations,
but
if
well,
I
think
what
we
have
to
look
at
is
is
we
have
identified
that
there
are
areas
of
the
city
that
do
not
have
that
service
provider
and
if
there
is
the
capacity
and
the
will
I
think
we
can
make
some
modifications
if
it's
not
an
ineligible
use
to
help
support
that,
because,
ultimately,
we're
not
going
to
see
those
triangles,
those
yellow
triangles
come
up
in
the
fourth
and
the
second
Ward
as
you've
identified.
Thank
you
so
much.
L
J
That's
helpful.
That's
one
of
the
things
that
I've
heard
just
incredibly
frequently
from
Ward
for
business
owners
is
that
they
wish
that
there
was
more
of
an
organizing
mechanism
for
them,
and
so
I've
been
trying
to
provide
some
support,
and
so
it's
helpful
to
know
that
we
can
be
providing
more
support
in
that
way
as
well.
I
know
that
in
the
great
streets
facade
program,
that
one
of
the
findings
is
that
multiple
administrators
indicated
that
the
biggest
barrier
to
accessing
the
program
was
for
by
park
business
owners
in
to
find
availability
with
matching
funds.
J
I
just
want
to
confirm
that,
because
that
is
something
that
I
have
frequently
is
the
and
the
question
that
I
have
is
right.
Now
it's
tiered
based
on
various
factors
around
the
location
and
things
like
that,
and
because
of
the
fact
that
I
in
Ward
4,
we
don't
have
any
major
corridors,
except
for
Lowry.
J
We
had
we
had
a
higher
requirement
for
matching
dollars,
so
is
that
still
going
to
be
the
case
moving
forward?
Are
we
looking
at
like
what?
Because?
Because
from
my
perspective,
that
is
not
equitable?
If
in
Ward
4,
we
have
to
have
a
higher
amount
of
matching
dollars,
so
I'm
curious,
like
is
that
going
to
be
the
case
moving
forward
and
what
its
racial
equity
look
like
within
that
chair.
L
Goodman
councilmember
Cunningham,
you're
right.
The
great
streets
program
is
a
geographically
based
program
based
on
the
last
comp
plan
and
in
those
geografĂa
they're
on
three
different
levels:
they've,
three
different
categories
based
on
need
and
some
other
metrics
those
those
rankings
as
different
categories,
will
no
longer
be
valid
because
those
geographies
are
not
valid.
So
we've
talked
initially
about
how
if
we
do
take
a
racial
equity
lens
on
it
one
is.
L
We
will
be
back
to
your
committee
to
this
committee
very
soon,
maybe
even
in
two
weeks,
but
probably
like
a
month
to
talk
about
expanding
the
geographies
to
so
that
our
programs
are
consistent
with
2040.
But
how
do
we
to
rank
them?
And
maybe
the
you
know,
we've
we've
gotten
some
advice
from
from
businesses
and
and
from
providers
around
that
ranking
is
kind
of
problematic
council
members
as
well
have
an
issue
with
the
ranking.
L
L
So
maybe
there's
a
preference
or
maybe
there's
a
way
to
finesse
it
where
we're
looking
at
areas
and
historic
areas
of
poverty
or
opportunity
zones
or
promise
zones
or
it's
you
know
it's
for
ownership
or
whatever
we
might
have
a
different
metric
for
that
and
we
will
be,
will
have
to
develop
that
with
our
community-based
partners
and
then
your
final
question
about
the
match.
That
is
definitely
true.
L
J
You
in
the
recommendations
for
the
great
streets
facade
program,
I,
also
would
recommend
for
consideration
of
tracking
data
of
displaced
businesses.
One
of
the
concerns
that
I
have
is,
if
we
have
a
property
owner
who
accesses
these
dollars,
they
can
displace
the
current
businesses
that
are
there
and
charge
higher
rent.
So
I
would
be
curious
to
see
that
data
point
to
see
like
does
that
actually
help
ground
the
businesses
that
are
currently
there
or
does
it
actually
displace
them
for
higher
rents.
So,
just
for
that
and.
I
J
Last
couple
questions
the
Association
for
enterprise
opportunities,
did
a
large
research
study
on
black
owned
businesses
and
they
found
three
gaps:
a
lack
of
initial
wealth
going
into
the
business.
The
second
is
a
lack
of
good
credit,
and
the
third
is
a
lack
of
trust
with
government
and
banking
systems,
so
my
cure.
So
Mike
is
how
are
the
small
business
programs
working
to
address
these
gaps?
Chair.
L
Goodman
councilmember
cunningham,
we
understand
those
as
being
barriers
is
the
things
that
we
need
to
tease
out.
I
can't
I
can't
definitively
tell
you
that's
why
I
didn't
share
barriers
like
that.
But
yes,
the
you
know,
credit
ratings
and
you
know
family
wealth
and
and
just
you
know,
the
bias
and
the
lending
system
are
real
barriers
and
that's
the
question
about
like:
what's
why
is
it
80
percent
higher?
You
know
like
that.
Let's,
let's
get
to
that
that
to
that
answer,
so
we
can
give
you
more
I,
think
accurate
and
rooted.
E
L
L
So
there's
there's
a
longer
thing,
and
how
do
we
build
that
trust
over
time,
especially
with
if
you're
going
into
a
community-based
organization
that
has
that
cultural
competence
that
the
city
might
not
have
and
you
build
that
relationship
with
it,
but
you're
moving
into
that
next
phase,
and
maybe
into
you
know
a
private
commercial
banking
relationship?
How
are
we
making
sure
that
there
is
a
cultural
competence
along
that
system
so
that
they
don't
wash
out
last.
J
Question,
if
that's
okay,
so
I
know
that.
Thank
you
for
that.
I
know
that
the
programs
don't
have
explicit
goals
around
racial
equity,
but
it
really
is
producing
those
sort
of
outcomes
that
we're
seeing
one
of
the
concerns
that
I
have
is
by
not
having
that
institutionalized.
It's
really
based
on
then
the
judgment
of
the
current
staff
members
that
we
have,
and
so.
J
Does
the
disparity
study
help
us
be
able
to
make
racially
conscious
goals,
because
we
know
that
if
it's
race
neutral
that
inherently
and
benefits
disproportionately
white-owned
businesses,
so
I
I
know
that
you
have
good
folks
on
staff
and
I
trust
your
hiring
process?
But
if
we
don't
institutionalize
it,
then
its
personality
based
so
I'm
just
curious
as
to
is
there
are
there
conversations
happening
around?
L
Council,
member
Cunningham,
we
maybe
I,
wasn't
as
explicit
as
I
should
be.
Is
the
the
programs
now
aren't
racially
specific,
but
we
we
have
now
the
s3
program
that
we
need
to
be
more
mindful
at
that,
and
we
need
to
be
explicit.
We
need
to
institutionalize
how
these
programs
are
addressing
those
disparities
so
that
it
isn't
personality
based.
So
that's
a
good
point
and
I
just
want
to
clarify
that
I
think
as
when
David
first
spoke
before
the
start
of
this
presentation.
L
We
we
take
this
very
seriously
with
with
respect
to
how
our
outcomes
are
being
based.
You
know
it's.
We
believe
that
the
charge
of
this
division
in
this
department,
honestly
the
city,
is
to
reduce
the
disparities
we
see
in
the
community
and
that's
this
is
one
of
those
tools
but
you're
right.
It
needs
to
be
we
need
to.
We
need
to
be
very
explicit
about
what
we're
doing
and
why
we're
doing
it
and
to
identify
the
barriers
and
take
them
down
and
why
we're
getting
to
it.
L
A
B
You
and
I
just
wanted
to
acknowledge
what
a
great
conversation
this
has
been.
What
a
great
presentation
I
think
it
was
probably
overdue
that
we
have
this
kind
of
review
and
we
start
to
dig
into
these
programs,
but
it's
really
timely
now,
because
of
the
comp
plan
and
because
of
our
racial
equity
action
plan.
So
I
think
this
is
really
gonna,
be
beneficial
and
I.
Look
forward
to
hearing
the
refined
improvements
as
we
come,
maybe
program
by
program
I
mean
this
could
easily
be
a
year-long
project.
B
B
The
way
is
some
kind
of
a
larger
external
group
of
people
who
hold
business
licenses
or
maybe
have
participated
in
programs,
or
maybe
the
business
associations
are
those
CDC's
who
are
providing
services
to
them
a
chance
to
meet
and
review
and
look
at
it
and
have
input
and
I
know.
We've
had
informal,
not
so
functional,
fairly
well-functioning
groups
that
have
met
before,
and
it's
really
helpful
for
all
of
us
in
policymakers
to
take
ideas
to
them,
but
think
about
that
in
the
process.
B
How
could
we
have
a
and
I'm
not
saying
that
it
needs
to
be
a
city
open
appointments
process
group
to
get
set
up
necessarily
either
I've
dreamed
of
the
day
that
small
business
associations
might
create
their
own
citywide
associations
of
associations?
But
they
don't
that's
a
big
challenge,
of
course,
and
hasn't
really
happened,
but,
but
maybe
it
could
so
I
think
that
will
help
inform
us
with
the
work
as
we're
going
forward.
B
The
more
we
can
reach
out
to
those
external
stakeholders
and
feel
like
we're
really
understanding
what
businesses
think
we
need,
but
I'm
excited
about
digging
into
this.
More
really
appreciate
it.
I'll
move
to
receive
and
file
the
report
for
the
committee
here
and-
and
thank
you
very
much,
you
and
your
team
for
all
your
work.
H
Thank
You
Chuck
Goodman
and
thanks
for
this
report,
I
really
did
find
it
useful
and
I.
Think
there's
a
lot
of
good
work
represented
here,
I'm
interested
to
hear
what
the
recommendations
are
coming
back,
but
one
thing
I
want
to
just
like
if
we
step
back
and
think
really
big
picture
and
you
think
about
compared
to
other
cities
or
compared
to
you
know,
if
you
think
about
a
city
of
our
size
and
how
many
businesses
we
have
is
the
number
of
businesses
that
we're
serving
with
these
programs
enough.
H
It
I'm
should
we
be
doing
more.
It
kind
of
feels
like
to
me,
like
I'd
love,
to
see
higher
numbers
where
we're
reaching
more
people
and
helping
more
people
own
a
little
piece
of
our
economy,
which
is
always
the
goal
of
this
work
right.
More
supporting
small
businesses,
so
I
guess
I'm
curious
about
your
perspective
on
just
how
much
work
does
this
represent
and
and
is
it?
Is
it
an
outcome
that
we
should
feel
good
about,
or
should
we
be
striving
to
do
more
chair.
L
Good
make
constant
flow
I
think
we
should
feel
good
about
the
investments
were
making
into
the
economy
and
the
small
businesses
in
Minneapolis.
We
still
have
some
ways
to
go.
We
do
not
touch
a
lot
of
businesses
in
in
these
programs,
and
sometimes
it's
because
we
don't
have
a
role,
so
we
have
to
always
monitor.
A
So
Gordon
has
made
a
most
interesting
file.
I
just
have
a
comment
and
a
question.
My
question
has
to
do
with
the
home
of
all
of
these
various
lending
programs.
So
there's
a
pretty
successful
and
large
green
cost
share
program,
an
example:
it's
a
long
program.
Why
is
it
not
in
the
PD
loan
economic
development
section?
That
would
be
something
that
I
would
think.
A
We
should
be
looking
at
trying
to
have
everything
in
one
place
if
we
already
have
a
situation
with
kind
of
disparate
information
across
various
organizations
and
programs,
I
would
think
that
we
should
just
be
thinking
about
that
and
other
loan
programs
that
are
operating
in
other
departments,
I
would
hope.
Mr.
Frank
and
his
team
can
maybe
look
at
that.
The.
I
A
A
Everyone
has
their
part
in
the
process
and
our
part
is
to
believe
in
the
people
who
are
running
the
organization's
running
the
organization,
hiring
the
correct
people
who
are
working
with
people
on
the
ground
when
I
stopped
by
the
Bryn
Mawr
deli,
I'm
sure
for
like
a
lottery
ticket,
and
he
told
me
that
his
freezer
wasn't
working
and
his
facade
was
falling
down
and
that
he
was
thinking
about
selling
his
business
because
he
couldn't
sell
tobacco
anymore.
I
didn't
know
what
to
say
other
than
maybe
I'll
buy.
A
A
All
I
did
was
make
a
connection
from
one
person
to
another,
so
I
think
it's
important
for
all
of
us
to
realize
that
we're
all
marching
towards
the
beat
of
the
same
drummer,
which
is
economic
inclusion,
as
identified
by
the
mayor
and
City
Council's,
one
of
the
top
three
priorities
in
the
city.
Economic
inclusion
has
a
very
broad
brush
and
it's
up
to
us
to
put
our
money
where
our
mouth
is
in
funding
it.
If
we
want
to
do
more
loans,
we
should
put
more
money
into
it.
A
A
Frank
made
five
dozen
recommendations
that
were
not
taken
as
part
of
the
budget
system,
and
so
I
just
want
to
remind
us
that
everyone
does
their
part
in
the
larger
picture
of
bringing
economic
inclusion
to
the
city
and
I
want
to
thank
you
for
your
part
and
I
want
to
thank
my
colleagues
for
all
of
our
part
in
trying
to
fund
the
things
that
we
think
are
important,
but
ultimately
we're
all
on
the
same
team.
You
don't
need
to
thank
us
for
the
work
that
we're
doing.
A
We
should
be
thanking
you
for
the
work
that
you're
doing
in
order
to
help
residents
and
I
know
that
small
businesses
that
have
had
an
experience
or
an
interaction
with
the
city.
Many
of
them
have
had
really
good
experiences,
whether
it
be
through
licensing
or
getting
some
level
of
assistance
or
participating
in
a
business
association.
There's
a
lot
to
celebrate
in
this
report
at
the
same
time
that
we
can
make
changes
and
do
things
differently
and
not
be
afraid
of
that
either.
So
I
appreciate
your
comments.