j-ref is a small business financier that assists small and emerging businesses located in Howard County. It provides financing and other needed forms of management and education assistance to maximize business growth.
Services:
- Business loans up to $250,000
- Business advice to meet the specific needs of the entrepreneur
- Business and strategic plan review and business education
Real Estate Loans Program:
- Business and real estate must be located in Howard County
- Up to $250,000
- No Prepayment Penalty
- Floating Rates
- 75% or more Owner Occupied
- Cash Down Payment as low as 5%
Support for the j-ref program is available through partnerships with Howard County government, Howard County Economic Development Authority, Howard County Chamber of Commerce, Baltimore Washington Corridor Chamber of Commerce, Howard Community College, local financial institutions, and the local business community.
Board of Directors 2009-2010
Officers
Chair
Charles Breitenother
KLNB, Inc.
Vice Chair
Rosa M. Scharf
Howard Bank
Secretary
Tina Corner
The Alternative Board
Treasurer
Stephen F. Wolf
Berman Goldman & Ribakow
Assistant Treasurer
Fred Shaw
Immediate Past Chair
Christopher Young
Business & Technology Law Group
Board Members
Stuart Chandler
Optivor Technologies, LLC
Annie Geiermann
The Columbia Bank
Thomas J. Glaser
Howard Community College
Elizabeth Hess
BullsEye Computing Solutions, Inc.
Carl Kampel, CPA
Ellin & Tucker, Chartered
Eileen Levitt
The HR Team, Inc.
Timothy D. Lewis
Chesapeake Corporate Advisors
Victor R. McCrary, Jr.
Johns Hopkins University
Applied Physics Laboratory
Michael Mercurio
Offit Kurman
Stephen A. Newhouse
Manekin Construction
Jane R. Padgett
M&T Bank
Anthony J. Tangires
Sierra Pacific Mortgage
Peter Vrettakos
Longview Funds Management, LLC
Amy Walker
Pangia Industries
Counsel
Michelle DiDonato
Carney Kelehan, LLP
For additional information or assistance, email us, or contact:
Michael Mobley
j-ref Executive Director
9250 Bendix Road
Columbia, MD 21045
