Pike County, Ohio Medical Insurance Loan - Community Action Program

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1 941 Market Street P.O Box 799 Piketon, Ohio Phone: (740) Toll Free: (866) Fax: (740) TDD: (740) Volume 3: Issue 3 Spring 2014 Free Community Action of Pike County Receives Loans and Funding from USDA Rural Development: The Former Southern Ohio Growth Partnership Loan Portfolio The Community Action Committee of Pike County (Pike CAC) is now servicing the former Southern Ohio Growth Partnership s (SOGP) business loan portfolio, as well as overseeing the administration and lending of the remaining federal loan funds originally from United States Department of Agriculture s Rural Development Program (USDA RD). Pike CAC has been working closely with the USDA RD the since October of 2012 finalizing the transfer of the approximately 40 active loans, as well as the balance of the loan funding. Two types of federal funding make up the program: RBEG (Rural Business Enterprise Grants) and IRP s (Intermediary Relending Program). IRP funding is a loan from the USDA and must be paid back with interest over time. Both funds revolve, so as loans are given and then paid back, the principle continues to be loaned out again to other businesses. The interest from the payments is used to operate the programs including expenses for servicing, invoicing, records, legal and other pertinent duties. We are extremely happy to be able to service these programs through our Agency. USDA RD made us an offer to take over the portfolio; and while working with our Business Development Director, Lisa Pfeifer, we came to the conclusion that it is in our community s best interest to keep these monies in Southern Ohio. In that way, we will continue to serve the needs of the small businesses here, stated Gary Roberts. The Business Development Program s service area includes Pike, Ross, Scioto, and Jackson counties. With the addition of the new funding, they will be able to expand into three more counties including Lawrence, Adams, and Brown. The Business Development Program of the Community Action Committee of Pike County was established in 1993 and operates the Microenterprise/Small Business Lending Program which enables Inside this issue: Community Action of Pike County Receives Loans and Funding from USDA Rural Development: The former Southern Ohio Growth Partnership Loan Portfolio Upcoming Business Development Trainings Community Action Committee of Pike County s Family Health Centers Announce Name Change Featured Business Focus Residential Treatment Facility Quarterly Quote! "Behind every adversity is an opportunity. If you lament over the adversity, you will miss the opportunity." Ajaero Tony Martins For more information on the Business Development Program or our lending program, please call us at (740) or visit us on the web at: businessdevelopmentprogram.org Continued on Page 2

2 Upcoming Training Schedule Microsoft Excel 2010 Level 1 - June 4th, 2014 You will create and edit basic Microsoft Office Excel 2010 worksheets, workbooks and basic formulas. Microsoft Excel 2010 Level 2 - June 18th, 2014 You will apply visual elements and advanced formulas to a worksheet to display data in various formats. Introduction to QuickBooks - July 2nd, 2014 You will use the basic features of QuickBooks to record and track your business transactions. QuickBooks 2 - July 16th, 2014 You will use the advanced features to create estimates, process sales tax and payroll, and work with other applications. Self-Employment: From Dream to Reality! Small Business Class: August 12th through September 11th, 2014 (Tuesday s & Thursday s only) 1:00 p.m. - 4:00 p.m. Price: $90.00 (5 Weeks) Self-Employment: From Dream to Reality! will help you develop your plan to become a successful entrepreneur and give you the opportunity to learn a variety of skills needed to own and operate a small business. You will also learn how to develop a detailed business plan. Classes are held on Tuesday s and Thursday s, and tuition assistance is available based on income eligibility. Please note that all listed trainings are full-day and typically run from 8:30 a.m. until 4:30 p.m., unless noted otherwise. All prices include textbooks, handouts & CD, which contains all the data files used in the training. Participants who attend the full-day classes, will also be provided with a catered lunch. If you are interested in any of the above trainings, customized group trainings, or other workshops offered by the Business Development Program, please call us at (740) or toll-free at (866) Community Action of Pike County Receives Loans and Funding from USDA Rural Development: The Former Southern Ohio Growth Partnership Loan Portfolio individuals and business owners to gain access to capital for their start-up or expanding businesses. Furthermore, Business Development offers additional services including a 5-week Small Business Class, full-day computer classes in Microsoft Office and QuickBooks, as well as customized training; and also offers low-cost services in Marketing, Consulting, and Document Imaging. Lisa Pfeifer added, I believe USDA RD came to us because we already have the knowledge and experience to operate a revolving loan fund. We ve been lending money to small businesses since In 2011, we were the first recipient in the state of Ohio to be awarded an RMAP (Rural Microenterprise Assistance Program), which also came from USDA. I am excited at the opportunity to serve even more businesses and expand business development in Southern Ohio which will ultimately increase jobs. Small Business Loans from the Business Development Program can range from $200 to $250,000, with the exception of the USDA RMAPsponsored loans which are capped at $50,000 and the USDA RBEG-sponsored loans capped at $100,000. Loans in excess of $50,000 require the participation of some other form of financing. Rates and terms vary depending upon each business ability to repay. Terms cannot exceed 20 years. Job creation criteria may apply, as well, depending on funding source. Individuals interested in accessing loan funds must submit a written business plan including cash flow projections, as well as pertinent personal financial information. Business Development Staff is available to assist individuals in their efforts to compile this data. If you are interested in the Microenterprise/Small Business Lending Program, please give them a call at or toll free at to schedule an appointment. Visit them on the web: Page 2 Spring 2014

3 PIKE COUNTY & Shred-It Day Provided By: Please limit shredding to 2-3 banker s boxes per individual. Shredding will take place between 10 a.m. 2 p.m. 10 a.m. - 4 p.m. At the Pike County Fairgrounds FM WXIZ Live Remote! 10 a.m. - 1 p.m. Olde Cabin Kettle Corn All attendees will receive a free ticket for a chance to win a special door prize. In addition, for each non-perishable food item donated, you will receive a ticket for an additional chance to win. Sponsored by: Community Action Committee of Pike County and The Village of Piketon All proceeds benefit the Community Action Committee of Pike County Food Pantry and Pike County Senior Center. For more information or to register for the cornhole or horseshoe tournaments contact Clinton Throckmorton or Tracy Mathews at the Community Action Committee of Pike County at (740)

4 THE PIKE COMMUNITY SERVICES FAIR Double Elimination CORNHOLE TOURNAMENT Saturday, May 31, 2014 At the Pike County Fairgrounds Registration is $30 per 2-person team Cash Prizes awarded for 1 st place - $300 and 2 nd place - $100 (Guaranteed) Teams slotted at random Check-in is 9:00 a.m. Tournament starts at 10:00 a.m. Name Player #1: Name Player #2: Address: Phone Method of Payment (check one): Cash Check (make payable to CAC of Pike Co.) Credit Card OR Credit Card# Exp. Date Your 3 digit security # Zip code Company Name or Name on Card Signature Mail or fax form to: CAC of Pike County, 941 Market Street, Piketon, Ohio FAX: For more information contact: Tracy Mathews or Clint Throckmorton at

5 Community Action Committee of Pike County s Family Health Centers Announce Name Change The Family Health Centers are proud to announce that they are changing their name to Valley View Health Centers effective immediately. The name change reflects a redirection and expansion of our health care services. Valley View not only defines the geographic identity of our region, but it also ties all five (soon to be six) locations under one umbrella. Their newest facility, located at 621 Broadway Street in Portsmouth (on the corner of Broadway and 7th Streets) opened on March 10th. For over 30 years, the Health Centers mission has been to provide quality, comprehensive health care services to the residents of Southern Ohio, no matter their pay type or ability to pay; with the organizations primary focus on the uninsured and underinsured. The name has changed, but Valley View Health Centers remain dedicated to their original mission, while also promoting awareness that they are not only a Provider for the low-income population, but also a Provider for anyone who is seeking quality health and dental services. Valley View Health Centers provide a wide range of medical, dental and behavioral health services. From pediatrics to geriatrics; adult and teen family planning services; the diagnosis and treatment of acute and chronic illnesses; prenatal care; health education, including smoking cessation; social services and a discounted prescription program. They are pleased to accept Medicare, Medicaid, Managed Care Plans, most major insurances and offer a sliding fee scale based on family size and gross family income. Anyone can seek services at any Valley View Health Center location, regardless of income or county of residency. Give them a call today to schedule an appointment at any of their convenient locations or visit them on their website: Wednesday Nights From 6:30 to 9:00 p.m. (Doors open at 4:30 p.m.) At the Pike County Senior Center 402 Clough Street, Waverly All proceeds benefit the Pike County Senior Center Programs & Services The Business Partner Page 3

6 Featured Business: Focus Residential Treatment Facility Focus Residential Treatment Facility is owned and operated by Paul and Kelly Gifford. The Southern Ohio business, which will house up to 12 women at a time, is a client-centered, 24-hour-monitored facility accommodating those who have been assessed as drug or alcohol dependent and desire treatment. Their motto is Changing Lives One at a Time. Focus s treatment is not pharmacologically controlled but rather behavioral based using cognitive, behavioral therapy and the 12 step programs like AA (Alcoholics Anonymous) and NA (Narcotics Anonymous.) Focus believes in the community and are committed to helping win the fight in the battle of addictions. They realize every person is unique and every situation is different. The counselors have diverse experience and many years working the mental health field; most hold state licensures with specialized counseling in addictions. Focus plans to have 9 employees (7 fulltime, 2 part-time) upon opening in late April of Overall, the implementation of the business has been well received by the local community and county officials. Referrals can be made to Focus Residential Treatment Facility by calling or you may call them directly at for further information on services offered. 941 Market Street, P. O. Box 799 Piketon, Ohio 45661