Greater Reading Chamber Commerce Quarterly Summer 2017 - 37

GreaterReadingChamber.org

Manny
Hernandez

received there, not to mention the customer relationships they
made during this time. But for the brothers, this wouldn't be the
end of their story, rather just the beginning!
Albert admits he didn't have much of a plan to start his own
shop initially. But, he and his brother had always talked about
doing it together as a long-term plan. In fact, they always thought
if they would open a business, it would be in warmer weather,
preferably Florida, which shares a similar climate to their place
of birth, Puerto Rico. For a while, the two debated on location -
Manny was the advocate for moving, and Albert wanting to do
something more immediate, and locally. However, when some
management changes began to take place at their current shop,
the idea began to sound more appealing to both of the brothers.
The two started to consider their options more seriously
around this timeframe. They even considered trying to buy the
current shop they worked at, but soon realized it would be best
to venture out and look for their own property to start something
from scratch. The brothers realized not just any location would
work - they would require a commercial property with handicap
access, parking, street visibility, walk-in traffic, and other
amenities. The search went on for a few years, and finally in 2015
Albert found the building he'd been looking for, with the price he
could match. What he didn't anticipate next was the process to
follow in securing the loan necessary to move forward.
With solid work history, great credit, and paperwork in tow
- Albert felt he was in good shape to apply for a loan, and move
forward with his dream. He provided all of his information
to Bank #1, but was rejected unless he wanted to provide a
co-signer. Unwilling to do so, and convinced he could do this
on his own, it was suggested he provide a detailed business
plan and cash flow analysis for reconsideration. A few months
later, Albert returned to the bank and provided the additional
information required, convinced this time would go more
smoothly. Yet, they still rejected his application without a
co-signer. When interviewing Albert on this experience, he said,
"At this time, I really didn't want to compromise anyone else.
I wanted to be the only one responsible, and then you know,
Continued on page 38
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Table of Contents for the Digital Edition of Greater Reading Chamber Commerce Quarterly Summer 2017

Greater Reading Chamber Commerce Quarterly Summer 2017 - 1
Greater Reading Chamber Commerce Quarterly Summer 2017 - 2
Greater Reading Chamber Commerce Quarterly Summer 2017 - 3
Greater Reading Chamber Commerce Quarterly Summer 2017 - 4
Greater Reading Chamber Commerce Quarterly Summer 2017 - 5
Greater Reading Chamber Commerce Quarterly Summer 2017 - 6
Greater Reading Chamber Commerce Quarterly Summer 2017 - 7
Greater Reading Chamber Commerce Quarterly Summer 2017 - 8
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Greater Reading Chamber Commerce Quarterly Summer 2017 - 19
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Greater Reading Chamber Commerce Quarterly Summer 2017 - 21
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Greater Reading Chamber Commerce Quarterly Summer 2017 - 26
Greater Reading Chamber Commerce Quarterly Summer 2017 - 27
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Greater Reading Chamber Commerce Quarterly Summer 2017 - 31
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Greater Reading Chamber Commerce Quarterly Summer 2017 - 33
Greater Reading Chamber Commerce Quarterly Summer 2017 - 34
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Greater Reading Chamber Commerce Quarterly Summer 2017 - 37
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Greater Reading Chamber Commerce Quarterly Summer 2017 - 57
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Greater Reading Chamber Commerce Quarterly Summer 2017 - 64
http://www.nxtbook.com/hoffmann/GreaterReadingChamber_CommerceQuarterly/GRCA_CommerceQuarterly_Fall2019
http://www.nxtbook.com/hoffmann/GreaterReadingChamber_CommerceQuarterly/GRCA_CommerceQuarterly_Summer2019
http://www.nxtbook.com/hoffmann/GreaterReadingChamber_CommerceQuarterly/GRCA_CommerceQuarterly_Spring2019
http://www.nxtbook.com/hoffmann/GreaterReadingChamber_CommerceQuarterly/GRCA_CommerceQuarterly_Winter2019
http://www.nxtbook.com/hoffmann/GreaterReadingChamber_CommerceQuarterly/GRCA_CommerceQuarterly_Fall2018
http://www.nxtbook.com/hoffmann/GreaterReadingChamber_CommerceQuarterly/GRCA_CommerceQuarterly_Summer2018
http://www.nxtbook.com/hoffmann/GreaterReadingChamber_CommerceQuarterly/GRCA_CommerceQuarterly_Spring2018
http://www.nxtbook.com/hoffmann/GreaterReadingChamber_CommerceQuarterly/GRCA_CommerceQuarterly_Winter2018
http://www.nxtbook.com/hoffmann/GreaterReadingChamber_CommerceQuarterly/GreaterReadingChamber_CommerceQuarterly_Fall2017
http://www.nxtbook.com/hoffmann/GreaterReadingChamber_CommerceQuarterly/GreaterReadingChamber_CommerceQuarterly_Summer2017
http://www.nxtbook.com/hoffmann/GreaterReadingChamber_CommerceQuarterly/GreaterReadingChamber_CommerceQuarterly_Spring2017
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