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 2011-2012
Officers
Rosa M. Scharf, Howard Bank, Chair
Stephen F. Wolf, Berman Goldman & Robakow, Vice Chair, Treasurer
Timothy D. Lewis, Chesapeaks Corporate Advisors, Secretary
Charles Breitenother, KLNB, Inc., Immediate Past Chair
Board Members
Thomas J. Glaser, Howard Community College
Carl Kampel, CPA, Ellin & Tucker, Chartered
Stephen A. Newhouse, Manekin Construction
Anthony J. Tangires, Sierra Pacific Mortgage
Peter Vrettakos, Longview Funds Management, LLC
Amy Walker, CACI
Counsel
Michelle DiDonato, Carney Kelehan, LLP
For additional information or assistance, email us, or contact:
Martin H. Madera
J-ref Portfolio Manager
9250 Bendix Road
Columbia, MD 21045
410-313-6170 or mmadera@jref.org