At BCL of Texas, we look beyond the numbers to understand the full story behind the businesses we serve. That approach is reflected in our partnership with Monica Osorio, President and CEO of MPO Solutions, a Texas-based firm that combines Program and Construction Management with specialized Education and Training Services.

Monica’s entrepreneurial journey began with a focus on education and teacher recruitment. The company later expanded when her husband joined the business to launch an Architectural, Engineering, and Construction (AEC) division.

That growth is reflected in the company’s name—Monica Patricia Osorio (MPO)—but Monica says MPO also represents three fundamentals she believes are critical to business success: Marketing, the ability to communicate what you do; Produce, delivering a strong product or service; and Operate, building the systems necessary to run the business effectively.

As MPO Solutions grew in Texas’s expanding construction market, the company secured a major contract that created an immediate need for additional working capital.

“We got a major contract, which meant we needed to scale up quickly—hire more staff, buy more equipment, additional office space, etc. And all that needs cash,” Monica explained.

Like many growing businesses, MPO Solutions found that obtaining financing at the right time could be challenging. Monica began looking for a financial partner that understood both the company’s current needs and its potential for continued growth.

That search led her to BCL of Texas.

Monica described her experience with BCL as different from a traditional lending relationship.

“I think they were looking at us as people, not just numbers,” she shared. “They focused on our potential and our clients.”

BCL provided MPO Solutions with a $75,000 line of credit, giving the company additional flexibility to manage cash flow during a period of rapid growth. For service-based construction firms, working capital can be especially important because payments may not arrive until 30 to 45 days after work is completed.

Access to the line of credit helped MPO Solutions hire additional employees, invest in resources, and take on more work directly.

“Having this line of credit, having this cash opportunity, we were able to hire more people and self-perform instead of having to subcontract it out,” Monica said.

That ability gave the company greater operational control while also supporting its continued growth.

Monica also credits the timing of the financing with helping MPO successfully complete a significant project.

“The biggest achievement that we have accomplished since working with BCL is that we landed a big project that required a lot more resources than we had at the time,” she said. “Just by having this opportunity with BCL, we were able to finance the people and resources we needed to get the job done.”

Beyond growing MPO Solutions, Monica remains active in the business community, including through her involvement with the Regional Hispanic Contractors Association, where she contributes her time and professional expertise.

When asked what advice she would give other entrepreneurs preparing to grow, Monica emphasized three fundamentals:

• Have a Business Plan: Regularly review your short- and long-term goals.
• Develop Milestones: Use key performance indicators (KPIs) to measure progress.
• Keep Your Financials in Order: Strong, current financial information is essential when seeking financing.

Monica also encourages business owners to seek out trusted partners as they prepare for growth.

Her advice to fellow entrepreneurs is simple: “I would say, go call BCL. They are professional and understand what we’re going through and what we want to achieve.”

Stories like Monica’s reinforce BCL’s mission of Building Strong Communities. By providing responsible capital, practical guidance, and financing solutions that respond to the needs of growing businesses, BCL helps entrepreneurs strengthen their operations, create jobs, and contribute to communities across Texas.

Is your business ready to take the next step? Submit an inquiry today to explore BCL’s financing options and business resources, or share your own success story with us as we celebrate Small Business Month.