Making Small Business Entrepreneurship Accessible to All in Brazil

Fernando Gameleira, Centro's Representative in Brazil and some of the small business entrepreneurs he has trained in Rio de Janeiro.

Fernando Gameleira, Centro's Representative in Brazil and some of the small business entrepreneurs he has trained in Rio de Janeiro.

Author: Fernando Gameleira

Last summer, I met Naldo Peliks in my home city, Rio de Janeiro. He introduced himself as Centro Community Partners (Centro), Chief of Operations and spoke with great candor and genuine enthusiasm about the mobile app they had developed to help aspiring and current small business owners write business plans. As someone who has worked almost exclusively in the field of entrepreneurship development for decades, he definitely had my ears.

Brazil is the largest country in South America and some say we are entrepreneurial by nature. A significant number of the country's 200 million habitants are constantly developing entrepreneurial activities, both formally and informally. We also speak Portuguese, which makes the country particularly unique in the region.

Centro wanted help testing their Basic Entrepreneurship Program in Brazil, and taking the first steps to officially partner with organizations working with small business entrepreneurs. I of course said yes, and in a matter of a week of meetings with other local consultants and small business specialists, Centro began working with:

  • Sebrae – the largest Brazilian non-profit organization that supports entrepreneurs through more than 700 branches across the country, and

  • CDL Niterói – the chamber that represents retail entrepreneurs in Niterói, the city across the Guanabara Bay of the state of Rio de Janeiro.

The pilot group started with 12 people, most of whom were local women working with handcrafted goods and services. As an entrepreneur myself and behavioral trainer – I was in charge of this first pilot workshop, and was left in awe with the immediate impact the entrepreneurs conveyed:

This workshop was a true turning point in my life. I had just been let go of my engineering job and I was so grateful for the supportive and stimulating environment I found in class. All the participants had different backgrounds and life stories, however, we shared a common objective: to learn how to create and build something from scratch. A short two months after finishing my business plan, I created my company “Sommos Consulting” and now feel closer to making my dream and objectives come true.
— Maria Jose Feres

Another woman in the pilot program who had lived in New York for more than two decades before returning to Brazil and opening her own vegan food business, said:

It is very difficult for a creative person to engage with the financial part of a business. But, someone has to do, and as a business owner, I understood no one is better suited than me. Now, I’m finding out how to finally monetize my vegan food business, and save more animals. It is a long and laborious process, but when you aim to save lives, everything becomes just a few steps away.
— Rosana Ferraz

Some entrepreneurs shared how attending the workshop helped them change their minds or course-correct the direction of their business. This happened to Lucia, a journalist who decided to become a creative chocolatier: 

When I started the workshop all I had in mind was to write my business plan to launch “Chocolate de Reis.” But after a few classes and going through the Business Planning App’s intuitive method, I was able to reflect on my previous experience as a scientific journalist. Writing my Mission, Vision and Values helped me understand why “Chocolate de Reis” exists and helped me view my business as a creative business, no matter what I develop. The app also helped me realize the complexities of finance, production and marketing analysis. Without the app and the workshop, I’m sure I would have never understood such concepts.
— Lucia Torres

Leila, an English Teacher and a Tour Guide decided to focus her new tourism business, “Conhecendo Mais,” on the cultural traits of low income communities in Rio de Janeiro. Here is a little bit of her business outlook after the workshop: 

I decided to attend the workshop and write my business plan mostly because I wanted to make more money. After the eighth meeting, I understood how everything in business is connected. I changed so many aspects of my company - from the way I get in touch with my costumers, to the way I price my services, to adding more products and services to my portfolio.
— Leila Gravano

Lastly, one of the most enthusiastic participants was Sandra, the owner of Amazonia Rio Consulting. She said that sharing experiences with the other participants and the instructor made a real difference for her - the ability to help others was an inspiration to consolidate the support network that resulted from the workshop.

I’m very grateful to Sebrae and Centro Community Partners for investing in us. I’m sure we will all give back to our community by being better and more successful entrepreneurs and by not losing focus on the sustainability of our businesses.
— Sandra Barbosa

I am personally thrilled to have found Centro as well, and can't wait to consolidate our nationwide partnership to use the Basic Entrepreneurship Education Suite across Brazil.

EconoCon25: National Summit of Thinkers Working for Small Businesses

Left to right: Julio Ortiz from Opening Doors, Jessica Chittaphong from AnewAmerica, Arturo A. Noriega from Centro Community Partners (Centro) and Claudia Viek of CAMEO.

Left to right: Julio Ortiz from Opening Doors, Jessica Chittaphong from AnewAmerica, Arturo A. Noriega from Centro Community Partners (Centro) and Claudia Viek of CAMEO.

The Association for Enterprise Opportunity (AEO) is one of the leading organizations in the United States focused on creating opportunity for underserved entrepreneurs. Their work leads micro-business initiatives that assist entrepreneurs at every stage of their journey - from idea to execution to growth.

Last week, Centro was in attendance at AEO's annual conference, EconoCon25 in Washington, DC. Arturo A. Noriega, our Founder and Executive Director, joined more than 500 other industry leaders working for non-profit organizations, community development, financial institutions and government organizations that advocate for small businesses in the country.

The conference was a summit of leading practitioners and the sharing of ideas. Leading minds in the micro-business space came to engage, collaborate, and innovate on some of the most pressing topics impacting our shared work.
— Arturo A. Noriega, Centro's Founder and Executive Director

Arturo served as a panelist in the town hall format panel "Trusted Guidance: Shifting the Support Landscape for Main Street.” In it, business service providers, funders and lenders discussed how to transform technical assistance into a scalable, sustainable, and high-impact guidance for micro/small business enterprises. A great opportunity for Arturo to share Centro's newly launched Basic Entrepreneurship Education Suite.  

Moreover, our goal at EconoCon25 was to show industry stakeholders Centro’s unique Business Planning App - a mobile technology that has been proven to succeed at providing technical assistance, entrepreneurship education and financial literacy across cultures and levels of education. We can't wait to see others joining in creating more technology in this field in the U.S. and the world!

At the conference, Centro earned the Award of Excellence from Kiva Zip for our outstanding work in achieving a perfect 100% rate of repayment on Kiva Zip microloans accessed through Centro’s programs. We are proud of this recognition, especially coming from Jonny Price, Senior Director at Kiva Zip. 

Arturo also returned home with insight we want to share. He said, "I learned that the enterprise development industry was actually born out of the women’s moment in the late 1960s. It really only took a small group of people with conviction which saw that women needed access to sustainable jobs." Some of these leaders included Bob Friedman, Lynne Cutler, and Claudia Viek, who are remarkable visionarys who continue working for more social justice and women today. 

Basic Finance Workshops Led in Spanish for Small Business Owners

Luis Abundis, owner of Nieves Cinco de Mayo in Fruitvale, Oakland.

Luis Abundis, owner of Nieves Cinco de Mayo in Fruitvale, Oakland.

Small business entrepreneurs often struggle with keeping their finance organized. In reality, it is a challenge for most people whether they own a business or not. It can also be daunting to take the first step if your preferred language to learn is Spanish, and all the help you seem to find is in English. We understand, and want to help! 

If you own a small business and you want to truly understand the financial position in which you and your business stand today, come to our Basic Finance Workshop. The sessions will be led in Spanish, aiming to serve the many small business owners in the Fruitvale District of Oakland, and other hispanic community hubs in the Bay Area.  

This workshop is possible thanks to The Unity Council with the collaboration of Centro Community Partners

What You Will Learn

This introductory workshop will walk you though the basics of finance, how to separate your personal and business finance, understanding your business costs, what is the breakeven point of your business and how to make simple financial projections.

Workshop Details

  • When: Wednesday, May 18th from 9 am - 12 pm OR Thursday, May 19th from 6 - 8 pm; choose the date and time that works best for you.

  • Where: The Unity Council (1900 Fruitvale Ave, Oakland, CA 94601)

  • Language of instruction: Spanish

  • Cost: $25 per person

How to Sign Up

To register, please email Elena Restrepo at elena@centrocommunity.org.


Español

Taller Básico de Finanzas en Español para Emprendedores de Negocios Pequeños

Los emprendedores de negocios pequeños con frecuencia tienen dificultad organizando las finanzas. En realidad, es un reto que la mayoría de las personas tenemos, seamos dueños de negocio o no. También puede ser desalentador cuando uno prefiere aprender en español y toda la ayuda que encuentra está en inglés. ¡Nosotros entendemos y queremos ayudar!

Si eres dueño de un negocio pequeño y quieres dar el primer paso para realmente entender cuál es la posición financiera de tu negocio y en la que te encuentras personalmente, ven a nuestro Taller Básico de Finanzas. Las sesiones serán en español, con el propósito de servir a tantos dueños de negocios del distrito de Fruitvale de Oakland quieran participar. El taller también está abierto a emprendedores en otras comunidades hispanas del Área de la Bahía.

Este taller es posible gracias a The Unity Council con la colaboración de Centro Community Partners

Contenido del Taller

Este taller de introducción explicará las partes básicas de las finanzas personales y de una pequeña empresa. Te ayudará a entender los distintos tipos de costos, cómo calcular el punto de equilibrio de tu negocio y cómo hacer proyecciones financieras sencillas.

Detalles de Taller

  • Cuándo: miércoles 18 de mayo de 9 am - 12 pm O jueves 19 de mayo de 6 - 8 pm; selecciona la fecha y hora que sea mas conveniente para ti. 

  • Dónde: The Unity Council (1900 Fruitvale Ave, Oakland, CA 94601)

  • Idioma de instrucción: español

  • Costo: $25 por persona

Inscripciones

Para registrarte, por favor escribe un email a Elena Restrepo a elena@centrocommunity.org.

Celebrating National Small Business Week

Nancy Charraga, Owner of Casa Bonampak

Nancy Charraga, Owner of Casa Bonampak

Local small businesses come together during the month of May, all throughout the United States, and re-affirm how much they contribute to the economy, and how happy their owners are to do so!

In our area, the cities of Oakland and San Francisco have put together an array of events for everyone to enjoy. Do not miss them!

If you are a small business entrepreneur, review the schedules closely because there are many resources and opportunities that will be brought forth during these weeks of celebration.

Free Admission to "Flavors of San Francisco"

San Francisco's Small Business Week kick-off event, Flavors, is on Monday, May 23. Centro will be there together with 70 other small business resource providers. Come to find ways to improve your business, and explore the many other new entrepreneurs emerging in the area. There will be lots to eat and drink too!

If you are part of the Centro community, please email us at info@centrocommunity.org and we will get you in for free with a promotional code.

If nothing else, please join the "shop local movement" and support the small businesses near you!

Free Bookkeeping Session for Small Business Entrepreneurs

You just finished your taxes and it took much more time than necessary, the process was cumbersome and you felt somewhat out of control. After all, there are so many other important things on your plate!

If this sounds anything like your experience and you are a small business owner, this opportunity is for you. Whether you are just starting or your business is growing, now is the time.

Free Learning Opportunity: Bookkeeping made easy

This is a practical and instructive session offered by our friends at Strength in Numbers Bookkeeping Cooperative, specifically designed for small business owners.

  • When: Thursday, May 12th 2016 from 6:00 - 7:30 pm

  • Where: Centro Community Partners (825 Washington Street, Suite 228. Oakland, CA 94607)

  • RSVP: Please email DJ Healy at daniel@centrocommunity.org by Monday, May 10th to confirm your attendance. 

Bookkeeping for sole proprietors is often an overwhelming and therefore neglected process, resulting in tax filing being a stressful process, with large payments owed, and sometimes penalties and late filing.

If you’ve avoided all of that, congratulations!  Come and share what worked for you with your fellow entrepreneurs.  You may still want to tune up your bookkeeping, and build on your good start.

Together, we'll review:

Estimated taxes

  • How much to set aside so you won’t owe when you file your taxes.

Recordkeeping

  • Design your bookkeeping to ease tax filing, and have your reports tell you other information you care about.

  • How to discourage an IRS auditor (bore them and they’ll go away faster).

  • What type  of bookkeeping program fits you and your business?

Records-keeping

  • What you need, to document expenses properly for the IRS.
  • Why a shoe box is a good beginning, and how to get better.

  • How long to keep your records.

Entertainment/Meals & Travel

  • Definitions, what is deductible and how much is deductible, and what the IRS requires to support the expense.

Employees vs. Contractors

  • Why you should care and how to know.

Retirement

  •  How to begin saving for retirement.

This may seem like a lot, but the beautiful thing is that it is not! Come and get organized, prepare to grow and make your entrepreneurial venture a success from beginning to end. 

Space is Limited

Please RSVP to DJ Healy at daniel@centrocommunity.org by Monday, May 10th to make sure we have a spot for you.

194 New Entrepreneurs Using Centro's Business Planning App this Year

In 2015, Centro finished the year with 785 completed business plans by aspiring and current small business entrepreneurs from around the world who have used our Business Planning App. By the end of the first 2016 quarter, we have helped bring forth another 194 business plans - over half of them created by women entrepreneurs in between 21 and 40 years of age, living in the United States. 

We're excited to see that our app is being a real motivator and tool for young women who want to become small business owners! Scroll down to view who else is using the Business Planning App.

 

Most Innovative Social Enterprises and Nonprofits of 2016

Centro is thrilled to have been selected as a finalist for the 2016 Classy Awards - an international event showcasing the most innovative social enterprises and nonprofit organizations of the world, presented by the online fundraising platform Classy, the United Nations Foundation, the Stanford Social Innovation Review and Southwest airlines. 

Every year, the Classy Awards is the culmination of Collaborative, the largest conference and gathering of organizations working to solve the world's most pressing problems. This year, the event is taking place in Boston, MA from June 14 - 16. We are eager to connect with our fellow Classy Awards finalists, chosen from 1,300 programs worldwide. 

The efforts of the 100 finalists span global poverty and hunger, disease, education, climate change, disaster response and preparedness, and health care accessibility, but we all share a passion to tackle these issues through innovation. We raise our glasses in excitement for our Business Planning App which put us in great company!

Here are the characteristics of an innovative organization and parameters used by the Classy Awards panel of judges: 

Basic Entrepreneurship Training in Spanish at The Latina Center

Join us and let us help you plan for the growth you have been wishing for your business. Never received any formal training? Not entirely comfortable speaking English? No problem! The sessions will be conducted in Spanish and are purposefully tailored to meet the needs of entrepreneurs who are self-taught or haven't attended a formal business school before. 

The workshop will be led using Centro's Business Planning App - a one-of-a-kind tool that guides you through the process of creating a business plan step by step, and right on your mobile phone. We'll combine simple and fun activities on the app with some interactive group sessions to help you analyze the strengths, the challenges and the opportunities ahead for your business.

The program covers: Basic strategy, personal finance, market analysis, value proposition, operations, marketing strategy and business finance.

  • Dates: 9 consecutive Thursdays, beginning May 3rd (May 3, 10, 17, 24 and 31; June 7, 14, 21 and 28).
  • Time: 6 - 9 pm
  • Place: The Latina Center (3701 Barrett Ave., Richmond, CA 94805)
  • Cost: $25 per person

To register or ask any questions:

July 2016 intake available

This training program will be repeated in July - August 2016. Please view the details here.


Español

Taller Básico para Emprendedores en Español en The Latina Center

Ven y planifica con nosotros el crecimiento que tanto deseas para tu negocio. ¿Nunca has recibido ningún tipo de capacitación formal? ¿No te sientes completamente cómodo hablando inglés? ¡No hay problema! Las sesiones de este taller serán impartidas en español y están adaptadas a las necesidades de emprendedores autodidactas o que nunca han asistido a una escuela de negocios.

El taller será impartido usando la aplicación móvil "Centro Business Planning App" que te guiará paso a paso en el proceso de crear un plan de crecimiento para tu negocio. A través de actividades simples y divertidas, combinadas con dinámicas grupales, te ayudaremos a analizar las fortalezas, los retos y las opciones para crecer tu negocio.

El programa cubre: Estrategia básica, finanzas personales, análisis de mercado, propuesta de valor, operaciones, estrategia de marketing y finanzas del negocio.

  • Fechas: 9 jueves consecutivos, empezando el 3 de mayo (mayo 3, 10, 17, 24 y 31; junio 7, 14, 21 y 28).
  • Hora: 6 - 9 pm
  • Lugar: The Latina Center (3701 Barrett Ave., Richmond, CA 94805)
  • Costo: $25 por persona

Escríbenos para inscribirte o hacer preguntas:

Disponible también en julio 2016

Este programa será repetido en julio - agosto 2016. Por favor, consulte los detalles aquí.

Business Clubs for Youth in Moldova Using Centro's Business Planning App

Oleg, one of our partner entrepreneurship trainers at our new affiliate organization in Moldova, Kingdom Paradigm.

Oleg, one of our partner entrepreneurship trainers at our new affiliate organization in Moldova, Kingdom Paradigm.

Last week Centro launched its first Basic Entrepreneurship Training pilot in Moldova! We are partnering with Kingdom Paradigm, a local social enterprise working to empower small business entrepreneurs and facilitating both personal and community transformation.

The first phase of this pilot project is to create a business club for youth (ages 16-18) who are interested in becoming entrepreneurs. The pilot is using Centro’s Basic Entrepreneurship Training program and Business Planning App (available today in Russian) to provide an 8-week course on-site. During the program participants will develop a basic business plan, conduct an MVP test to validate their business concept and present their business ideas to Kingdom Paradigm.

The goal of the program is to teach participants the skills needed to start a business and to identify two business concepts for Kingdom Paradigm to invest in and help launch.

Business Clubs for Youth

After the pilot is completed, Kingdom Paradigm's intention is to establish other business clubs at several local schools and colleges that offer ongoing business workshops. At these clubs, Centro's Business Planning App will also be used to help more young people test their business concepts, develop their business models and start more small businesses in the country.

Tailored Advanced Business Training

The second phase of the pilot also includes working with Kingdom Paradigm’s existing clients who have already received investments but could benefit from reviewing their business objectives and practices. In this case, a tailored version of Centro’s Entrepreneurship Readiness Program will provide advanced entrepreneurship training and mentoring to established small business owners who want to improve their business skills, and create plans to grow their businesses.

Centro will create the advanced training curriculum, train Kingdom Paradigm’s trainers on how to implement it, and provide oversight and support to its trainers as they conduct their first program.

Cross-Cultural Leader: DJ Healy

Before joining Centro, DJ worked in Eastern Europe for 5 years as a Peace Corps volunteer and English teacher. Realizing the immense potential for entrepreneurs in this part of the world, and after investing almost a decade developing relationships with local organizations and entrepreneurs, DJ has provided Centro with the stepping stones to help the country’s young and burgeoning entrepreneurs.

We look forward to continue providing them with the tools and skills they need to start and grow their own businesses, in their own language.

Securing Sustainable Growth for Centro and the Communities We Serve

Centro is honored to have been selected by the prestigious Global Social Benefit Institute (GSBI) at the Miller Center in Santa Clara University to participate of their 2016 Online Program for social enterprises. We are even more excited to say Centro was the only US-based organization and non-profit chosen among the more than 300 applicants world-wide this year! 

Throughout the 6-month program, former entrepreneurs and seasoned advisors Michael Wray and Doug Wheeler will help Centro: 

  • Scale its model and services nationally
  • Secure the tools and investment for a sustainable growth trajectory
  • Select the best social indicators to mesure our impact in the world

Altogether, our goal is to persevere in our mission to foster socio-economic change by providing rising yet underserved entrepreneurs with the best and most appropriate tools available to launch or grow their small businesses and create jobs in their communities.

We are also humbled to share this program with a truly outstanding group of social entrepreneurs who are making huge strides to create more social equity in the world. View who they are and what they are doing here. We can't wait to connect with them and explore collaborations after this organizational growth intensive!

Learn More About GSBI

Uploaded by Miller Center for Social Entrepreneurship on 2015-10-12.

Founded in 1997, Miller Center for Social Entrepreneurship is one of three Centers of Distinction at Santa Clara University. Miller Center accelerates global, innovation-based social entrepreneurship in service to humanity. Its strategic focus is on eradicating poverty and preserving the planet through its three areas of work: The Global Social Benefit Institute (GSBI®), Impact Capital, and Education and Action Research. 

Launched in 2003, the GSBI is a leading social enterprise accelerator, providing capacity building programs around the world and helping social enterprises grow through a business-centric model. The GSBI distinguishes itself from other accelerators through its social enterprise selection process, stage-specific programs, and in-depth, executive-level mentoring; enterprises emerge more financially sustainable and investment ready. 

 

 

 

Small Business in Oakland Celebrate Self-determination and Community with Kiva

Last week, Kiva and Mayor Libby Schaaf celebrated the Oakland community of entrepreneurs with a party and marketplace where small businesses in the area had the opportunity to sample and sell their products to the public. The atmosphere was vibrant, full of up-and-coming as well as existing entrepreneurs of myriad paths and craftsmanships.

The range of creativity in the businesses emerging in Oakland is extraordinary, and speaks to the incredible talent of the people in our community. The diversity in food, fashion, beauty and wellness products made the evening the more interesting and fun - one thing uniting it all: environmental sustainability, community, and self determination. Each entrepreneur I spoke with came from a place of passion and with a fearless spirit.  Together, they are pursuing their dreams while making a difference in job equality, product and service quality, and the local economy of the community. 

What's more, is the overwhelming support new small business are getting on Kiva Zip. For instance, entrepreneurs like Reem, a Centro Advanced Training Program graduate, are getting crowdfunded for loans of up to $10,000 within a week through the online platform. I was also able to find other Centro graduates like Feleciai's All-natural skincare line, Dustin's Platinum Dirt, Hope's Fresh to Def Collective, and Bilal's Delightful Foods.

Overall, this event channeled hope and the human spirit behind the efforts of community building through entrepreneurship. We were delighted to be acknowledged among those making a difference and working to rebuild a more sustainable, economically sound, stable, fair, and inclusive community from the ground up!

Do you want to start a small business?

Centro Community Partners offers basic and advanced entrepreneurship training programs in the San Francisco Bay Area and beyond. Learn more about our offerings and our Business Planning App - the first app to help you write a business plan.

Contributed by: Irina Kurtsevaya, Entrepreneurship Trainer at Centro. 

Teaching Entrepreneurship in Colombia Using Centro’s Business Planning App

For the past two years, Centro has been partnering with numerous organizations throughout Colombia, such as Impact Hub Medellín, the Universidad Javeriana de Cali and the Ministry of Development of Envigado, with the goal to reach small business entrepreneurs where they are, and provide them with more guidance to launch or grow their ventures.  As a result, hundreds of entrepreneurs from Bogotá, Cali, Tuluá, La Ceja, Medellín, and other cities around the country have taken part in quality business planning and leadership development programs led by local Centro-trained facilitators.

This month, through a partnership with the Municipality of La Ceja, Antioquia, a group of eight women graduated from our entrepreneurship program at Casa de la Mujer. For eight weeks, they worked on their business plans using Centro’s Business Planning App guided by Estefania Cardona y Johanna Trejos, two local facilitators who built on the content we provided with additional marketing, finance and motivational workshops.

By the end of the program, the women were so pleased that they took it upon themselves to start recruiting other women for the next intake of the entrepreneurship program, and plan a surprise celebratory meal for their facilitators.

We share this with joy and a warm heart because this is an example of how a small group, once empowered, can take concrete steps to bring about social and economic changes and build community around them.     

Want to Learn More About Centro's Work in LATAM?

We'd love to chat and find more ways to partner with organizations in the region. Please contact Elena Restrepo at elena@centrocommunity.org.

Centro Advisor Takes First Place at USF's Tech4Good StartUp Weekend

This year, the University of San Francisco (USF) launched its first Social Entrepreneurship & Innovation Conference + StartUp Weekend. The event was organized by students in the Graduate Student Senate Net Impact club and the Entrepreneurship club, with the help of professor Jennifer Walske, Director of the School of Management’s Conscious Leadership and Social Innovation Program and a panel moderator.

The conference gathered tech leaders, social investors and students for a greater good, and included keynotes covering topics from MedTech and EdTech, to Consumer Activism and Corporate Transparency in Purchasing. 

The conference also kicked off USF’s Tech4Good Startup Weekend, a three-day social innovation-themed competition that challenges students and local entrepreneurs to develop the best business proposals.

The first-place team included Centro's MBA Advisor, Ryan Bright. Their platform CrowdHero, proposed a method for companies to partner with local charities by using social media. Congratulations Ryan! 

What is a Centro MBA Advisor?

Centro MBA Advisors are volunteer business graduate students who are matched with a small business entrepreneur by Centro. Together, they work to develop and execute a fundable business plan. Through the process, they learn from one another and build their experience. 

New Pilates Studio Launched by Centro Entrepreneur, Ayanna Makalani

We’re excited to share the official opening of HEAL Pilates Studio, a brand new pilates studio in Albany, California led by Ayanna Makalani, a young and very talented Centro entrepreneur who started her journey with us by simply downloading our Business Planning App in the summer of 2014!

I heard about Centro from a dear friend that was an MBA advisor for the Entrepreneurship Readiness Program. Centro helped me gain confidence, vision, and prepare a workable business plan. They connected me with many great resources that helped me in securing my space and opening my doors. Now that my business is open, I feel empowered, and look forward to a future with financial stability.
— Ayanna Makalani

Ayanna joined Centro's advanced training for small business entrepreneurs in the fall of 2015. Shortly after, she applied and received a loan from Working Solutions, and in June 2015, she was also funding a $10,000 loan on Kiva Zip with Centro as her community trustee! Five months later, her pilates studio became a reality.

 

More about HEAL Pilates Studio

HEAL Pilates Studio offers reformer classes for small groups of up to four people and specialized private instruction where quality of movement is valued over quantity of repetitions. Our services are therapeutic, accessible, and tailored to the needs of the individual client.

We believe that the key to our success is focusing on personal improvement, client trust, appreciation, and creating a community that is accepting and empowering.

 

Call today and take advantage of their intro special:

3 private sessions for $180!

 

More About Ayanna

Ayanna is a passionate, form-based instructor that treats her classes like workshops. She believes that there is always something new and deeper that one can discover from their Pilates practice, and it's this type of training that creates body awareness, heals, and yields results

Ayanna holds a B.A. in Theater from UCLA, and is a certified instructor on Mat and Apparatus through BASI-Body Arts and Science International. Along with knee and hip rehabilitation, she also specializes in fitness and full-body toning.

 

3 Bay Area Women Entrepreneurs Ask You to Help Grow Their Businesses

This month we have three women small business entrepreneurs funding loans at 0% interest through Kiva Zip. They are the first Centro entrepreneurs to request loans this year, and we’re proud to be their loan trustee!

We vouch for these inspiring entrepreneurs and small business owners who are taking every step to ensure their continued success. Click below to get to know their businesses and personal stories, and lend them $25 or more today! We guarantee it will be a rewarding and empowering experience for you and them.

Lend $25 to a Woman Small Business Owner

Feleciai Favroth

Skincare by Feleciai | All Natural Beauty Line  

We manufacture and sell natural, luxury skin care products including soaps, creams, body butters and sugar scrubs. Our goal is to celebrate diversity in beauty and our target consumer is the professional woman, 30+ who appreciates and needs high quality products for her skin.

“Growing up, I struggled with "fitting into the mold" of what others considered beautiful. I have now made it my mission to celebrate diversity and the beauty of all women with my handcrafted, all natural beauty line!” Says Feleciai.

Purpose of loan: to purchase new, upgraded packaging; revamp website with new template and photos: conduct two photo shoots and purchase new labels; purchase raw ingredients.

***Current status: loan fully funded.

Reem Assil

Reem’s | Arab Street Food

Classic Arab street foods combining traditional flavors with high quality locally-sourced ingredients, all made with California love. We specialize in the man'oushe (pronounced Man-OOO-shay) a snack emblem of the Arab world enjoyed in the Levant.

Reem’s vision is to create an anchor establishment that will build and nurture strong and vibrant communities through the rich experience of Arab food and culture.

Purpose of the loan: to purchase a utility truck to transport my food and equipment to different locations, and hire part-time staff to help me produce more in the kitchen.

***Current status: loan fully funded.

Nellie Stokeld

The Pie Shop | Authentic British Pies, Pasties, Teas & Treats

The Pie Shop is a second generation offering from the Stokeld family beginning with Chris Stokeld, an immigrant hailing from North Yorkshire in England. Fifty years later, the emphasis of our shop is still on whole food, made with integrity and served with love.

Purpose of the loan: To hire a new employee, purchase new equipment, and improve online retail services.

***Current status: loan fully funded.

 

 


Want a loan to launch or grow your small business?

If you’d like to start or grow a small business with a free loan, download Centro's Business Planning App on your phone. Once all the activities in the app are completed, request Centro's endorsement for a Kiva loan right there on the app.

We are Kiva's top 10 Trustee for 2015 and we'd love to help you!

 

Start a Business: Sign Up for a Basic 9-Week Entrepreneurship Program in SF

Have you always wanted to start a small business? To be your own boss? To offer something unique to others? To play a bigger part in your community? If you are not afraid to work hard for your dreams, join us!

Centro is partnering with Urban Solutions to offer a 9-week Basic Entrepreneurship program in San Francisco. Our missions of building communities through thriving businesses is at the heart of the workshop series, as is Centro's Business Planning App.

The coursework will be a guided, step-by-step process to create a business plan through simple and fun activities, in addition to interactive workshops that will help you analyze and develop further the concepts you put in paper. We will also cover Basic Strategy (i.e. vision, mission and values), Personal Finance, Market Analysis, Value Proposition, Operations, Marketing Strategy and Business Finance.

Program Details:

  • 9 consecutive Thursdays from 4 - 7 pm, beginning April 28

  • Cost: $99 (Scholarships available for low-income entrepreneurs)

For more information about the program and the scholarships available, please email: info@urbansolutionssf.org. They will be happy to chat and reserve a spot for you!

The program will take place in San Francisco in central Market St. - exact location to be confirmed soon.

Kiva Celebrates Oakland Small Businesses at a Special Party and Marketplace

Join us for an evening of camaraderie, networking and success stories from small business owners in Oakland, CA. This special party is organized by the person-to-person lending site Kiva and the City of Oakland. Their goal is to bring the community together and show everyone what's possible when we work hand in hand. 

If you are a small business owner yourself, this might be a very inspiring event as you explore the work and efforts of other small businesses in town. Come discover what Kiva can do for you too!

Event Details

Date: Wednesday, March 16th 2016

Time: 6 - 9 PM

Place: The historic Oakland Museum of California (1000 Oak St, Oakland, CA 94607. Directions and parking

Cost: $25 (Will go towards supporting a small business owner)

8 Hand-picked Bay Area Small Business Owners Train with Centro this Spring

Illustrator and storyteller Dania Frink from Fluffy Jo

Illustrator and storyteller Dania Frink from Fluffy Jo

Last week, eight Bay Area small business owners began Centro's Entrepreneur Readiness Program. For 14 weeks, they will work hand-in-hand with Centro's entrepreneurship trainers and their MBA advisors. Together, they will develop in-depth studies of the businesses, re-write business plans, create sustainable business models, prioritize marketing campaigns, and more.

We chose these incredibly passionate group of individuals who we are confident have everything it takes to move forward with the dream job they created for themselves, and succeed. We are also excited to share that 75% of them are women in a second or third career at 40+ years old!

Meet our Spring 2016 Entrepreneur Readiness Program Candidates

Melanie Tom

Hawthorn Flower Studio | Oakland, CA

Kai Neptune-Salisbury

KaiLight Creations | San Leandro, CA

kailightcreations.com is under construction.

kailightcreations.com is under construction.

Tighe O'Sullivan

Viaports International | San Francisco, CA

Abdul Wahid Taha

Papa's bean pie | Oakland, CA

Dionne Knox

Zella's Soulful Kitchen | Oakland, CA

Claire Fung

GUAVA, The Caribbean Food Company | Oakland, CA

Dania Frink

Fluffly Jo - Illustrations and Storytelling | Hayward, CA

Lucia Heat

Radical Designs | Oakland, CA

Do you have a small business too?

If you too have a small business in the Bay Area, and would like to make it bigger and better, check out the requirements for Centro's Entrepreneurship Readiness program. You might be eligible to take part on our next session.


You can also use Centro's Business Planning App to structure your business plan right on your phone.

 

 


785 Business Plans Created with Centro's Business Planning App

We are excited to share that in 2015, Centro's Business Planning App helped 785 small business entrepreneurs complete a professional digest of their business plans using just their smartphones. Here's an overview of who they are and what they are saying!

Our goal for 2016 is to launch a domestic and international campaign to re-double the reach of the Business Planning App in the US, Canada and Latin America, putting more small business owners on a path to independence and success.

More about Centro's Business Planning App

The Centro Business Planning App was created as a step-by-step guide so that anyone with a smartphone, regardless of their background or business experience, could develop a comprehensive business plan. 

Wether you are starting a new small business or growing an existing one, the Business Planning App will help you organize your business essentials, and enable you to further develop them as your business progresses. 

The App is currently available in English, Spanish, Portuguese and Russian. Try it today!

Spread the Love: Loan $25 to an Amazing Small Business Owner

We were recently named the top 10 Trustee for small business loans on Kiva Zip! We thought the best way to celebrate is by inviting you to check out and support the amazing people starting small businesses around you.  

Actually, we want to dedicate the entire month of February to spreading the love, and encouraging everyone to make a $25 loan to a local small business owner through Kiva Zip.

Once you make your loan, please share widely with friends. A personal Facebook post can go a long way to help #spreadthelove throughout February and on.  

You might also find inspiration to outline your own business plan and become a small business owner yourself!