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Nebraska District Office
10675 Bedford Ave. Suite 100
Omaha, NE 68134
United States
Phone: 402-221-4691
Fax: 402-221-3680
Hours of Operation:
Monday through Friday from 8:00 AM to 4:30 PM
Yolanda Diaz of Little Miss Fashion

Designs for the stylish young clothes horse, Omaha's Little Miss Fashion sees opportunity thanks to SBA Microloan

She was so good at making pretty, new dress designs out of her old dresses that she almost lost her school’s financial aid.  Yolanda Diaz had earned a scholarship to pay for living costs and transportation to attend high school in the Mexican city of Chihuahua, and like every teenager, she wanted to have lots of different clothes to wear each day.  Once, though, she was called into her principal’s office and told her there would be no more aid, because such scholarships weren’t for rich families who could afford so many new dresses for their daughters.

Yolanda wasn’t rich, of course.  She’d just learned how to sew and design new clothes growing up poor in her small town some 500 miles south of El Paso.  Still, the principal didn’t believe her, not until she put Yolanda to the test:  “If you make dresses, then you make one for me.”

So she did. As a result, the principal was so impressed she helped Yolanda get her start as a clothing designer.  One of her first jobs was creating stylish uniforms for an expensive private college.  No problem, right?  Except there were 500-some students, and each needed three uniforms.

"They needed them in three months," Yolanda remembered her exasperation.  "It was amazing for a first opportunity, but I had no experience, no idea how to do sizes.  I put an ad in the paper for help.  I worked at night, and my helper thought I knew what I was doing."

Fake it until you make it, Yolanda agreed.  

She delivered those uniforms on time, and a new business was on its way.

Designing clothes for online success

Today, as the one-woman owner of Omaha-based Little Miss Fashion, Yolanda produces two design lines a year of bold colors and soft, stretchy material for girls to play in style and comfort available through the popular Seattle-based daily deal site Zulily

She displayed her designs in the spring and fall at Omaha Fashion Week for three years before she got her big break. But it took financing through the Omaha Small Business Network (OSBN) and the SBA Microloan Program to make it happen.

Zulily, in need of vendors and designers for fresh products for its customers, liked what they saw of Yolanda’s collection on display at a show a couple of years ago. She was happy that they wanted some 1,500 pieces, and found a factory back in Mexico that would manufacture her designs, but the thrill of new business made her think back to when she started her business in her home country.

“I have made a lot of mistakes, but I’ve learned from them,” she explained. “One of the big ones was lack of money, as I tried to make everything myself. You cannot. I remember I made my samples and took them to a store.  They liked them and they wanted a big order, but I couldn’t make it myself.  I didn’t have the material and I did not have the money to get it.  So I couldn’t fulfill the order, and then the store didn’t want to deal with me anymore.  After that, I said I will buy the material first, then make samples, then sell.”

SBA Microloan program provided the capital for growth

Problem was that “she was literally down to her last dollar,” said Vicki Wilson, executive director of OSBN, and with nothing to spend on the raw materials needed to meet the order from Zulily, “she was running out of time.”

Yolanda explained it takes a week to send a sample to Mexico to manufacture, two more weeks to schedule and promote the sale on the web site, another five weeks to get the purchase order for the site and another month before she'd receive payment.  The $20,000 microloan provided the working capital her business needed; since then the business has grown to an average of $10,000 a month from online orders, "and customers always ask me to notify them when we have new styles," she added.

Her small sample-making warehouse off 50th Street buzzes; on a typical day a visitor will see bolts of bright cloth draped across a large table and remnants filling shelves, sketched-out design ideas for future styles on bond paper taped to the walls, and along the far wall a sewing machine that gets a lot of work.  This is where she's come up with nearly 140 different styles for sale online, and invents 20-30 new ones for each subsequent sale.  

And to prepare for each of those sales, Yolanda sends her design and materials to her factory in Mexico, where they'll manufacture at least 100 dresses for each style and send the merchandise back to her.  That's when the frantic work begins; she'll have 48 hours to slap bar codes on as many as a thousand separate pieces and ship the lot to Zulily's warehouse. No worries: she has her husband and son willing to put in those long hours to help.

She admitted it was a lot of hard work "and faith" to become successful after coming to the U.S. more than 15 years ago. "When I started my business here, I worked another job at night in a specialty finishing shop making boxes," Yolanda said.  "It took two years just to save the money to start making materials and to pay the people at our factory in Mexico to make merchandise for us."

Trade restrictions cramp her style

Little Miss Fashion is in the process of getting its own web site and plans to have a special collection in time for Christmas, although at present Yolanda said she's limited in her designs; popular winter clothing materials such as fleece and fur aren’t available at a price that fits her budget.  It's complicated, but the bottom line for her means using materials outside the U.S., Mexico and Canada would put her afoul of trade barriers and would prove too costly.

She recently finished an accelerated program in entrepreneurship at Gallup University, and sends promotional packages to boutiques across the country with brochures on Little Miss Fashion and sample garments to help drum up business. Moreover, she's given back to the community, volunteering as a sewing teacher at South Omaha-based Catholic Charities' Juan Diego Center, finding and hiring talented women as independent contractors. Perhaps one of them may pursue the dream Yolanda had some 20 years ago.

"I have a little sister, she was maybe four or five years old when she looked up at me and would say, 'I would like to have clothing like you,'" Yolanda smiled, explaining how she came up with the name for her business. "She loved looking like me, so I started making clothes for her.  I still think of her when I make my designs."

Ryan Cooper of GolfStatus

Lincoln tech firm’s smartphone app links golfers with business rewards

Can playing a round of golf at your new favorite course actually be good for the environment?  Ryan Cooper says his smartphone app can make the connection between the most avid duffer and a course with its eye on sustainable water use.  A course that’s got a more natural, drier landscape could use incentive rewards through this app to lure new golfers to play there, and as a result encourage other courses to follow that ecologically-friendly lead.

That’s one of the serendipitous benefits of a product designed and developed partly with proceeds funded by an SBA Express loan.

Companies connect with golfers coming off a great round

Launched in 2012, by Ryan Cooper, a former manager of a couple of golf courses and an avid player himself, GolfStatus helps players track, archive and share their scores and achievements, discover new courses and keep tabs on their friends.  At the same time, businesses which want to reach golfers can hit them with instant rewards for sporting goods, fitness centers and other services at the end of each round.

“If you get a hole in one, that’s a very proud moment, you’re pumped about it, those endorphins are running, and if you get a note from business congratulating you on that, you’re more likely to take them up on their offer,” said Cooper, whose day job is as an attorney in Lincoln.  “If you’re playing and making progress, a business can reach out and say ‘come on by and we’ll give you a free trial or half off.’”

The app already has been used by nationally-known apparel, electronic and soft drink brands, but “while we love providing rewards from these big names, we also want to get local businesses involved,” Cooper added. 

Golfers also can use GolfStatus to post individual scores through the United States Golf Association’s Golf Handicap and Information Network right on the course, connecting them with both more than 2.1 million others across the country, and with the rest of their local morning foursome.

And the company has gotten some attention for its potential for growth: GolfStatus recently was listed by the editorial board of tech-trendy blog Silicon Prairie as one of the Nebraska start-ups to follow on Twitter.

Turning a passion for golf into a marketing idea with SBA financing

Cooper’s idea came out of frustrated day dreams during breaks from law classes in Nebraska.  Since he couldn’t play the sport as much as he wanted, “I started thinking about how to improve the game, and more specifically, about ways to help golfers capture, archive, and share meaningful moments in their golf careers,” he said.  “For me, GolfStatus is a great fit because it is a combination of three of my interests: golf, technology, and marketing.”

But to unite those three interests into a product required a team of designers and software developers to create an easy-to-use and eye-catching app and a database to connect businesses with potential golfer customers.  And to get a team of them together to do that job required access to capital, which Cooper got, thanks to an SBA Express guarantee loan approval in April 2011 from U.S. Bank in Lincoln.

“The SBA is one of many options that you can use,” Cooper explained.  “I think if a small business owner looking to launch doesn’t explore all their options, they may take out personal loans, use credit cards at higher interest rates, or give up more equity than they want.”

Cooper used the proceeds to further software development used to run GolfStatus. “I think the SBA is interested in furthering businesses that will stick around for a while.”

Using the app to build loyalty with environmentally-conscious courses

For golf courses struggling as a result of severe drought conditions across the state last year, getting golfers to spend money on a round or two was tough.

“You can’t control the weather,” Cooper said.  “Before going to law school and founding of this company, I primarily worked on golf courses in Colorado where water is scarce. I actually went to law school with the intention of practicing water law.  Our use of water and when it’s appropriate to use it on golf courses is one of the issues we’re going to face as time goes on.”

This is where GolfStatus can use its rewards connections to help get buy-in and loyalty from customers who would forgo a round on a lush, green, overwatered fairway in favor of a more naturally gardened course.

“If you give a pat on the back to your customers and give them good deals when they do well, they’re more likely to play your course when dealing with the ups and downs of what Mother Nature throws at you,” he explained.  “Golfers can play wherever they want, and courses run razor thin margins.  Having customers who think of your course first, not because your course is in great shape, but because of that relationship you’ve built with them is the idea behind what we’re trying to do with GolfStatus.”

Possibilities for future growth

Cooper also pointed out that in the process of developing the technology for the smartphone app he’s been able to see potential applications connecting “these moments of accomplishment and building that relationship. There are lots of ways to do that and some of the technology we built could be used in other apps out there.”

Naturally, Cooper already would have an eye on future expansion for his new tech firm.  He spent his formative years in Austin, Texas, about the time Michael Dell started his computer hardware company.

“There was a real entrepreneurial vibe there, and seeing how it changed everything, I think that sort of inspired me,” he admitted.  “It’s really great when you can start a business and provide a livelihood for people, and that has been a driving force for me ever since.

“Nothing about creating a successful business is easy, so you need to stick it out.  It takes a lot of hard work, and you learn a lot about yourself along the way.  The tests come when you feel like you’ve done everything you could and you couldn’t possibly do any more.  Those are the times when you have to dig deeper and grow as a person to help your business grow.”

Voodoo_Taco

If you’re looking for a great new eatery, Voodoo Taco has just the thing for the daring diner in you

SBA Small Loan Advantage helped provide financing for new venture

Try one bite of the alligator sausage taco and you’ll be hooked, and convinced that this quirky place off North 90th is a great addition to the gastronomic cornucopia of the Big O.  Voodoo Taco, the idea of restaurateur Eric Newton, offers fresh, far-out ingredients in its soft tacos, served up in an eye-catching casual dining environment, all which came to life in part thanks to help from the SBA.

“We do a lot of spices,” explained Newton, a self-described “foodie” who worked with his kitchen chef to come up with an eclectic menu:  Asadero cheese from Europe on a steak faijita, Cajun-battered shrimp, a Korean short rib selection with spicy Jicama slaw, and for the kids, a deep-fried banana and peanut butter taco.  For the brave (or foolhardy), try the one with habaneros, Ghost chilies and the Trinidad scorpion pepper.  Ouch.  Stick around for the double-chocolate, salted caramel, chipotle-bacon brownie desert taco. On tap at the bar are local and regional brews, and there also are freshly-squeezed craft cocktails.

Voodoo Taco makes everything fresh, using locally-sourced vegetables, and provides vegan and gluten-free delights, too.  But don’t expect to find an ordinary ground beef taco here, they say, proudly.

“I’m trying to avoid being pigeon-holed,” Newton explained.  “We’re not trying to be a copy of anything else.  We want people to try the new stuff.  And the great thing is they can get it here for the same cost of a taco at a chain.”

To try out the concept, before they opened in the middle of August, Newton and his business partner, Steven Cartwright, flung the doors open to their family, friends, and other merchants in the neighborhood to test their unique fare—and to check out the remodeled décor.

“It all started with the name,” Cartwright said of their off-beat approach. “There’s nothing traditional here.”

“I want people to come here and talk about my tacos,” Newton insisted.  “Not what the place looks like.”  It’s hard not to.

Newton tracked down a guy who tagged the outside of a downtown barber shop with bright, swirling lettering, a guy who used to do his sketchy personalized art on the sides of railroad cars.  He had the guy decorate the top of one wall with the restaurant name in graffiti scrawl punctuated with the place’s logo: a voodoo doll head with jaunty top hat.  They tore up the old brown-stained tile to discover to their delight polished concrete underneath, which Newton promptly suggested they paint deep purple to go with the gothic chandeliers dangling from the ceiling.

“We didn’t have an interior designer, no blueprint on how to make this place,” Newton said.

They grabbed scraps from the corrugated roof of an old barn to serve as table dividers, and panels behind the bar and order station came from tossed out shipping pallets (and let’s just say the signs on the restroom doors are a must-see).

Newton brought his experience in his 20s to opening the restaurant; at 21, he was waiting tables at a place, and boldly buttonholed the owner to offer some ideas on how to run it.  Impressed, the owner quickly made him the general manager. And opening a new place is just another challenge to this Navy veteran who spent Desert Storm refueling planes aboard an aircraft carrier.

It was as a consultant that one day Newton ran into Cartwright.

“I was pitching my plan all over town,” Newton said, “but they’d all have their preconceived notions of what a restaurant should be.  Steve said let’s run with it.  He’s got the financial background, and I’ve got the idea for the look, the feel and the menu, so you could say we each found our niche.”

Like every new business, there were challenges to overcome: a lack of proven success in the market, and a location in a strip mall that already had a restaurant or two go under with fierce competition from nearby chains.  In the end, they’d convinced a local bank to help back their project.

“We had principals that had an excellent business plan, good experience and were sound financially,” explained Ron Baumert, vice president/business banking at Centennial Bank.  “However, since there was no real estate involved in the transaction, the deal lacked sufficient tangible assets to provide collateral coverage for the amount of financing that was requested.”

Thanks to the approval July 24, 2013, of an SBA Small Loan Advantage guarantee, the bank got the level of comfort it needed to do the deal, and Voodoo Taco got the financing it needed for needed leasehold improvements and working capital.

According to Newton’s market research, during the recession growth for full-service restaurants slowed to six percent, while fast casual dining—where you order at a counter, then take a seat for your meal to be delivered--grew at a rate of twice that.  He also believed the nearby retailers and heavy traffic along the four-lane street would bring in consistent foot traffic.

Newton has eagerly embraced social media marketing for Voodoo Taco, creating a presence on Facebook, and the online review sites Yelp and Urban Spoon, as well as engaged the often-harshly honest community on Reddit for its support.

“That all plays perfectly with what we’re trying to do with the personality of the place,” Cartwright added.

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