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Seeing our clients achieve key milestones is what drives our work at BCL of Texas. From startups that have expanded to multi-employee businesses to families buying their first homes, our success all comes down to you.
SportHooks was born out of a runner’s love for her sport and her growing collection of medals. Founder Marcey Futris, who has now run a full marathon in all 50 states and on 4 continents, was looking for a place to display her race medals.
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For Amy Morales at Kapeesh Marketing, it took a hurricane to help propel her and her husband’s business to its next stage of growth. After working from their home office for 4 years, the flooding waters of Harvey left the Morales family with a decimated home and home office: no walls, drywall removed, and cement floors.
Just a few weeks in, it’s easy to see the new Counter Cafe location is going to be a hit.
“We have some regulars who come in twice a day,” says owner Debbie Davis. “This is a place where strangers talk to strangers. How many places can you go where that happens?”
ADS Medical Billing, a fast-growing medical billing startup, sought help from BCL of Texas to optimize finances and gain strategic guidance for continued growth. Through BCL’s mentorship, ADS Medical Billing not only secured valuable financial assistance but also gained a partner to ensure long-term health and avoid unnecessary risks.
When Philip DeLeon was approached by his partner Richard Barnhart about opening up Dix Diesel Center in Luling, Texas, to provide diesel engine repair for the central and east Texas area, he was excited about the new venture…but the property needed some sprucing up before they could really get underway.
Ruth and Arnold Guerra were born and raised in Gonzales, Texas, where they have opened hotels, restaurants, and built homes to meet their community’s needs. “We started with nothing,” Ruth said. Now, they have built over 100 homes in their community of 7,000 people.
I visited the Guerras and we drove around the town, as Ruth pointed out both homes she and her husband had worked on, as well as other neighborhoods of older homes in states of disrepair. Gonzales has not had new home construction in a long time. “Big builders are not going to come into this town,” Ruth said. In a previous subdivision, a builder constructed about 5 homes and then left town, the work unfinished. We drove past a 17-home affordable subdivision of 3-bedroom homes the Guerras built in 2009.
Now, they are building Angel Oaks, a 6-home development for median income families, featuring 3-bedroom ranch-style homes with yards. A longtime customer of BCL, having worked with us in the past for an SBA 504 loan, the Guerra family is now working with BCL’s wholly-owned subsidiary, Texas Community Builders for our new pre-development loan product.
The demand for median-priced new housing in Gonzales is apparent, as five of the Angel Oaks homes have already been purchased, just as groundbreaking has barely begun. Most of the buyers are people of color, and all are first-time homeowners. “People are getting out of renting and into their first homes,” Ruth said.
And as with their hotels, their construction business is a family venture. They’ve taught their two daughters skills in construction, management, and project administration. “In the big city, you get a job and you learn one thing,” Ruth said. She said her daughters are now prepared with a wide range of skills to take on all kinds of jobs.
“I’m really glad that Texas Community Builders is investing in small developers,” Ruth said. “I appreciate that they saw that we have projects that will benefit individuals that probably never would have been able to buy a home. Without Texas Community Builders, we would not have been able to do this project.”
When she began to get serious about buying her first house, Rose Perez sought out BCL of Texas to find out about programs available to help her get there.
“I wanted to have a safe environment for my kids, something that we could call our own, and to have a neighborhood that reflected who we are as well,” says Rose. She began to work one-on-one with HomeOwnership Center Manager Merecia Smith to start working toward that goal.
Brandon Ward’s story is one of passion, perseverance, and a willingness to take risks. After a successful career as a schoolteacher and school principal, Ward decided to pursue his dream of becoming a construction entrepreneur.
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