Sign up for email updates from SBAReceive helpful business tips and upcoming events in your area.

Georgia District Office
233 Peachtree Street, NE Suite 1900
Atlanta, GA 30303
United States
Phone: 404-331-0100
TTY/TTD: 800-877-8339
Hours of Operation:
Monday through Friday from 8:30 AM to 5:00 PM

SBA 504 Loan financing Materials Recovery Facility (MRF) Being Constructed in Union City, Georgia

—The $2 Million, Recycling Facility will be first of its kind in Georgia—

MBA Waste Services LLC started work in early November on its new Materials Recovery Facility (MRF) at a site off Roosevelt Highway in Union City, Georgia. The facility, on an eight acre tract, will include a 41,000 square-foot industrial building, a sorting system to separate materials that are being recycled as well as a “reduction grinder” to prepare materials for other end uses.

The MRF complex, set to go operational in early 2011, will be the first permitted recovery facility for construction materials within 250 miles of Atlanta, according to Ken Mitchell, President/CEO of MBA Waste Services. “We will be able to recycle concrete, wood, metal, paper and plastic as well as carpet at the facility,” he added.

Ken, and his wife Carol, company secretary, were able to use a $2.1 million SBA 504 Development Loan to finance their new recycling facility in south Fulton County.  The Mitchells were able to save over $19,000 in fees which were waived under provisions of the Small Business Jobs Act which recently became law.

The Mitchells said another advantage of their 504 loan were the smaller yearly repayments since these are spread over a pay-back schedule of 20 years.

The 504 Loan, which will help create 25 new jobs over the next 12 months, is a combination of $1.1 million in funds from the Bank of North Georgia and another $949,000 provided by the Economic Development Corporation, a SBA Certified Development Company (CDC) in Gainesville. About 10 percent of the 504 package came from the borrower. The funds from the CDC are generated from SBA guaranteed debentures sold on the open market.

A major reduction in dumping fees is another upside to the Mitchell’s new recycling facility. “We expect to save over $30,000 a month by not having to pay to dump waste materials in city landfills as well as the recovery income we will generate from our recycled materials.” said Ken. “We already have markets developed for our recycled materials,” he continued. “And some of these will be exports to other countries.”

The Mitchells expressed thanks to both the Mayor and the City Council in Union City for their help in getting certification from the state for their recycling site.

MBA Waste Services was started in 2007 with services that include portable toilets, roll-off dumpsters, waste water holding tanks and wash stations. It has quickly grown to one of the largest portable toilet companies in metro Atlanta. The division operates under the name of “Big John’s and uses a sophisticated GPS system to track its commercial toilets and roll-off containers.

In its new venture, MBA Waste Services will have commercial customers in metro Atlanta as well as in Augusta. 

The company takes part in the LEED (Leadership in Energy and Environmental Design) program. Through a LEED designation, the company is able to generate end-user certificates that are given to its customers as required documentation for green tax credits.

Taking an idea and running with it lies at the heart of the MBA Waste Services operation. It all started in 2007 with a phone call from the Mitchell’s son Josh, a graduate of Auburn University’s Master of Business Administration program. He told his parents about his idea for a waste management business in Atlanta and their agreement took the form of a major commitment, involving his father leaving the financial services industry in Jasper, Alabama and moving with his wife to a new career in Georgia.

Today, Josh is the operations manager for the company. Their other son, Victor, is a sophomore   at Auburn, majoring in Entrepreneurship and small family business. He plans to join the company after graduation.


Ken and Carol Mitchell, owners
MBA Waste Services LLC
P.O. Box 725 
Acworth, GA 30101-0725

This article and accompanying photograph do not constitute or imply endorsement by SBA of any opinions, products or services of any private individual or entity


Dr. Jackson, DDS

SBA Programs Help Jackson Dental Center Expand And Remain on Martin Luther King Jr. Drive

—E200 Program and 7(a) Loan Assist Dr. Montina Jackson— 

After being on Martin Luther King Jr. Drive for several decades, Dr. Montina Jackson and her husband Jerome Jackson realized it was time to upgrade and expand their dental center and laboratory.

They both were committed to providing their services to the neighborhood just a block west      of the H.E. Holmes MARTA station. But at the same time, they needed a much larger facility to replace the small building they had occupied in the area for over 30 years.

Dr. Jackson says doors really started to open for their expansion in the fall of 2008. At that time, she enrolled and took part in the SBA’s first “Emerging 200” management training course in Atlanta. This agency initiative, now in its third year, was designed to revitalize and transform inner city businesses through over 60 hours of almost college-level executive training.

“I think my E200 training helped me to critically analyze my business,” said Dr. Jackson. “When I was in dental school, you learn how to practice dentistry, but there was very little instruction about operating a business.” 

Part of the E200 training requires the participants to put together a three-year strategic plan on how they will take their businesses to the next level. Dr. Jackson would be introduced to the SBA’s 7(a) lending program after she presented her strategic plan to a panel of business specialists that included Rosemarie Drake, a regional account manager for CIT Small Business Lending.

Ms. Drake’s company, a non-bank SBA lender, would later make a $1.2 million SBA 7(a) loan to Dr. Jackson and her husband. They would use the funds to acquire and rehab a 10,000 square foot building at 2611 Martin Luther King Jr. Drive S.W., just a few blocks west of their old location on MLK Drive.

The Jacksons closed their loan on Oct. 30, 2009 and started work on rebuilding the building in early 2010.

“The SBA guaranteed loan was critical to getting our expansion underway,” said Dr. Jackson, a native of Augusta. “And having to put only 10 percent down on the loan was a key to getting it done.”

The Jacksons would also save over $25,000 in lending fees which were waived since the loan was made under provisions of the American Recovery Act. 

Dr. Jackson had driven past their new building dozens of times over the past few years. However, it had been vacant for much of this time, and certainly had little, if any, curb appeal. That would all change as the contractor, Seibert & Son of Lawrenceville, began its work to transform over  half of the structure into a modern dental lab with five dental examination rooms.

Now known as the “Jermon Jack”  Building, the modern looking structure features an attractive lobby area that adjoins a record keeping area and the personal offices of Dr. Jackson and her husband.

About half of the renovated building has been made into four suites that can be rented to other tenants.

Dr. Jackson grew up in Augusta where she graduated from T.W. Josey High School. After high school, she earned her undergraduate degree from Spelman College in Atlanta. She then returned to Augusta and attended the Medical College of Georgia Dental School in that city. She and her husband married in 1991. They have three children including a son, Jerome Jackson Jr., who works with his father in their dental lab.

Dr. Jackson was one of the first in her immediate family to graduate from college. Her mother was a practical nurse and her father was a courier for Richmond County.

There are a total of seven employees associated with their dental practice and adjoining lab.  

The lab produces partial and full dental replacements. Dr. Jackson practices both preventive and family dentistry. She also does cosmetic and emergency dental work. Dr. Jackson was one of the first dentists to treat patients at the Fulton County Jail.


Dr. Montina G. Jackson & Jerome M. Jackson
Jackson’s Dental Center and Dental Laboratory
2611 Martin Luther King Jr. Drive S.W. 
Atlanta, GA 30311

This article and accompanying photograph do not constitute or imply endorsement by SBA of any opinions, products or services of any private individual or entity


President Obama visited Meddin Studios with its owners, Jon Foster, left,and Nick Gant, at right.  His tour came early last year

SBA-Backed Financing Helps Build Meddin Studios, New State of the Art Digital Media Facility in Savannah

—Owners’ “Business Idea” draws visit from President Obama—

The paint was barely dry on the walls of the three sound studios at Meddin Studios LLC in late February when word reached owners Jon Foster and Nick Gant that President Obama wanted to include their new digital video production center on his upcoming visit to Savannah. The President would be in the city to speak about plans to increase federal support for small businesses and the White House had seen media coverage of this new “one stop” video production complex designed to serve the city’s growing movie-video activity.

The President would not be disappointed after his on-site inspection of Meddin Studios’ 22,000 square-foot facility. The cutting edge digital complex was built inside the concrete walls of what had been the old Meddin Brothers meatpacking plant on Louisville Road, less than three miles from the heart of Savannah.

Besides its sound studios, the Meddin complex offers full post-production services made up of both video and audio editing suites, as well as a special room to do voice-over reads and sound effects for movies and other productions. The studio also provides a full line of rental camera, grip and lighting equipment including two and three ton video production trucks for hire.

The studio owners used two SBA guaranteed loans to help finance their new venture. One was a $2 million 504 Economic Development Loan issued through the Small Business Assistance Corporation (SBAC) an SBA certified development company based in Savannah. Colony Bank in Savannah provided a first mortgage for about 50 percent of the project while 40 percent of the deal was funded by SBAC with a 100 percent SBA guaranteed debenture. The studio owners used personal funds for the remaining 10 percent of the 504 development project.

Another $1.4 million was injected into the studio project with an SBA 7(a) loan issued by Colony Bank. This carried a 90 percent guarantee by the SBA to encourage the bank to make what could be a risky start up loan. The studio owners saved about $46,000 in fees that were waived on the loans as part of provisions in the American Recovery and Reinvestment Act enacted by Congress on Feb. 17, 2009.

“These loans were essential,” said Gant recently. “The only reason the bank was able to do them was because of the SBA guarantee.” Gant credits Colony Bank with believing in the business plan he and co-owner Foster developed for their digital studio. He said the bank suggested using SBA backed loans including the 504 financing issued through the Small Business Assistance Corporation.

Their federally backed loans obviously made an impression on the President: “The main reason  we wanted to highlight what they’re doing is they took advantage of an SBA loan to get the studio started,” he said after his visit to Meddin on March 2nd.  “Their loan is an example of the kinds of additional capital we want to get out to small and medium-sized businesses.”

Meddin Studios opened following a year where four studio film productions were done in Savannah along with a documentary and several other smaller video projects. “Meddin speaks to the economics of video and film production,” said Jay Self who heads up the city of Savannah Film Office. “What I can get locally, I don’t have to wait for.”

The paths of the studio owners crossed a few years ago when Gant was working in the marketing department at Savannah-based Gulfstream Aircraft. As the company’s Senior Multi Media Designer, he needed some video editing offered by a production firm in Atlanta where Foster was employed. The two men decided later they wanted to combine the full services of a video production company, under one roof, and open the facility in Savannah.

Foster is a 1999 graduate of Western Kentucky University with a degree in Broadcasting. He oversees all technical aspects of the studio as well as the coordination of vendor relationships for the company.

Gant, a former photographer in the U.S. Army, received his degree in Broadcast Design from the Savannah College of Art & Design (SCAD). As an alumnus, he and his partner maintain a close working relationship with SCAD. A number of SCAD students recently attended a Production Assistant Training Class at the studio and SCAD professors have brought their students to the facility on several occasions for tours and hands-on experiences.

Meddin Studios currently has six full-time and six part-time employees. It will also increase employment to handle various projects on a weekly or monthly basis.

Jon Foster and Nick Gant, owners
Meddin Studios, LLC
2315 Louisville Road
Savannah, GA 31415

This article and accompanying photograph do not constitute or imply endorsement by SBA of any opinions, products or services of any private individual or entity


Encore Entrepreneurs

An Introduction to Starting Your Own Business


Need Help Writing a Business Plan? Our step-by-step tool makes it easy.  Start Your plan.

Get Local Assistance Right in Your Area

Counseling, mentoring, and training from an SBA District Office, SCORE Chapter, Small Biz Development Center or Women’s Biz Center in your area.