“Our relationship with Spring Bank has allowed us to increase our capacity and The Micro Line of Credit allows us to say yes to more opportunities!” says Aisha Norris, Executive Director of DREAM!, a Bronx-based non-profit.

“We had a cash flow gap between funding seasons and needed a back-up. There are always delays in payments with grantors. We are very grateful that Spring Bank supported us,” says Danae McLeod, Executive Director of Grace Outreach, a Bronx-based nonprofit.

Here is what Grow Loan borrower Hank Tibensky, the owner of Hank’s Juicy Beef, had to say about working with Spring Bank: “With friendly people and a community focus, I’m very happy to be a partner with Spring Bank. Every time I go into the bank, the receptionist greets me by my first name! And many of our Juicy Beef teammates are from the neighborhood, so we feel connected and like we’re part of something!”

“I didn’t have the capital to get into the Harlem Whole Foods. The Spring Bank Micro Line of Credit helped me to do that. Spring Bank encourages small businesses to analyze revenue and cash flow so that we stay afloat. And Ines is like family. I know I can call her any time with questions and she regularly checks in,” says Chimere Ward, Founder and CEO of Clean Plate Co., a Harlem-based catering business.

Hamad Ali’s live-poultry business occupies a storefront under the elevated subway tracks along Westchester Avenue in the Hunts Point section of the Bronx. It is a modest operation on a down-at-the-heels strip in the city’s most economically challenged borough. Nonetheless, Mr. Ali is very positive about something that very few small-business owners in the area are: his bank. “I’ve been in New York more than 30 years doing business with all the banks, and they never cared about me,” he said. “But my bank now, it is a lovely bank.”