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