October 27th, 2011.

3:30 – 5:30 pm
Coblentz, Patch, Duffy & Bass LLP
One Ferry Building, Suite 200
San Francisco, California 94111

Join One PacificCoast Bank for a round table discussion hosted by Coblenz, Patch, Duffy & Bass.  This seminar focuses on new banking products for nonprofits with 25 or more  employees.

For additional information or to register, contact Frances Topacio at
nonprofit@coblentzlaw.com or 415.677.5292.

September 27, 2011 from 5:30pm to 8:30pm
Yerba Buena Center for the Arts
701 Mission Street
San Francisco, CA 94103
http://tasteofmicrofinance.eventbrite.com/

New Loan Program to grow Nonprofit Organizations and Small Businesses

One PacificCoast Bank is now offering loans for nonprofits and businesses to help grow small enterprises. Business and Nonprofit Builder loans are from $5,000 to $25,000 and can be used to refinance business debt, purchase equipment, finance inventory and accounts receivable, tenant improvements, or other working capital needs. Loans cannot be used to repay personal debt.

Existing nonprofits or businesses with over three years of operations and profitability in the past year can apply. Loan terms range from two to four years and payments are made in monthly principal & interest installments. Collateral is required and there is a $100 application fee. For more information, please contact Cara Wick at 510.550.8431 or email cwick@opcb.com.

We are excited to be one of the few banks that provide loans to nonprofit organizations in the Bay Area!

The 5^th Annual Oakland Indie Awards were a smashing success! On May 13^th, Oaklanders honored local artists and small businesses at the Indie Awards. Check out photos of the event at http://www.flickr.com/photos/onepacificcoast. The Oakland Indie Awards encourages people to recognize the community, economic, environmental, and political impact of supporting Oakland’s locally-owned businesses and artists instead of chain stores. It also provides rare opportunities for recognition for the small businesses and artists that make Oakland such a wonderful, creative place. Finally, it’s a chance for Oaklanders to just celebrate Oakland by enjoying Oakland food, wine, chocolate and music.

Congratulations to the Indie Awards winners:

• Business Greenie Award – The Rising Loafer Café & Bakery

• Artist Greenie Award - Jamie Vaida

• Pillars – Montclair Vet Hospital & Give Something Back

• Innovative Newbie – Back to the Roots Ventures

• Ripple Effect – Mandela Foods Co-operative

• Socially Responsible Rockstar – Karen’s Flowers

This event would not have been possible without the support of our committed sponsors including: Mattmar Group, Coblentz, Patch, Duffy & Bass, Uptown Apartments, Dan Carroll and Stasia Obremskey, Pete Higgins and Leslie Magid, Blue Heron Catering Company, SuperPrint, Exploratorium, Jack London Square, California Waste Solutions, First Solar, YMCA of the East Bay, City of Oakland, Urban Legends Winery, East Bay Community Foundation, Ron Beller and Jennifer Moses Family Foundation, Bay Area Derby Girls, Oakland Outlaws, AnewAmerica, Kipp and Sara Howard, Nancy Neel, and Bruce and Susan Kelley.

New Fair & Manageable Alternative to Payday Loans

Seeking Partners for Pilot Alternative to Payday Loans

One PacificCoast Bank is excited to announce its pilot of a new alternative to payday loans: the Pal loan. This program will allow individuals to borrow from $500-$1000 dollars to cover an unexpected expense and pay it back in small monthly installments of 8-12 months. This loan is intended to provide a manageable alternative to expensive payday and car title loans that often keep people trapped in debt cycle.

In addition to the loan itself, this program can help build credit, includes financial tips and tools, and provides incentives to save. Our optional Automatic Payment and Savings program includes an immediate $25 incentive that gets deposited into a new free savings account for the borrower. Upon repayment, the same monthly amount will automatically transfer into their savings account each month until/unless the former borrower cancels it.

The program meets or exceeds the FDIC’s guidelines for small dollar loans, with an interest rate of 18% and a $30 financed loan origination fee. This fee is incorporated into the monthly loan payments; it is not paid up front.

The program launched on July 15th 2011 with four partner employers, and One PacificCoast Bank is seeking additional local employers to partner with us. Participating employers will let their staff know that the loan is available, will help them with application questions, and will provide employment verification. There are no fees or financial risks to the employer.

Employer requirements (for-profit or non-profit):

* 25 or more employees
* Most employees are year-round, not seasonal
* Offer direct deposit of payroll to employees

Interested employers should contact Erin Kilmer Neel at One PacificCoast Foundation, ekilmer@onepcf.org or 510.663.2253.

For more information about One Pacific Coast Bank,FSB, go to http://opcb.com. Member FDIC. Equal Housing Lender. CDFI Certified Bank.

Did you know that you can buy office supplies locally and for less than the big box stores? Give Something Back is a local office supply company that provides full service, free nationwide delivery and a low price promise. It also happens to be a 2011 Indie Award winner!

What’s even better is that Give Something Back donates 75% of their net earnings to a variety of nonprofits in the West. By purchasing supplies from Give Something Back, you are supporting a local business and you can even vote on which nonprofits receive donations. Learn more about give something back at www.givesomethingback.com.

ReliaTech is a local computer service and e-waste recycling organization that offers reliable and reasonably priced computer service by certified technicians. They offer carry-in service at the San Pablo and San Francisco stores, and on-site service throughout the Bay Area. ReliaTech has a “No Fix, No Fee” guarantee and also offers discounts to nonprofits.

ReliaTech is the nonprofit social enterprise of The Stride Center, which is a social venture nonprofit empowering economic self-sufficiency for individuals and communities in the San Francisco Bay Area. ReliaTech provides on-the-job training for Stride Center participants and hires graduates of the program. All of Reliatech interns and employees are chosen and trained for their ability to treat every customer with respect and dignity. Learn more at www.reliatech.org.

UrbanFire is offering a unique opportunity to help you create your business plan with the The 5-Finger MBA (Micro Business Accelerator). In the 5-Finger MBA (formerly Launch Pad) program, you’ll spend four Saturdays from 9am to 1pm from September 10th to October 1st answering a series of questions in an environment to help you concentrate.

If you’ve procrastinated or dreaded the thought of writing a business plan, this process is ideal for you! For one thing: there’s very little writing. The four hours are broken into four segments, each geared to stimulate your creativity, improve your answers and organize the five most important areas that create successful businesses. Your final product will be visual and easier to execute into reality.

You must have a serious business concept developed or have recently launched a new business. Graduation from an entrepreneurship program, business school or experience in the field of your business is helpful. You must have a passion for what you do. For more information or to sign up for the program, visit www.urbanfire.org.

Direct Public Offerings (DPOs) -  A revolutionary approach to raising money in challenging times without Angels, VCs, or Banks

Friday, October 29th
11:30am PT
2:30pm ET

 Register here!

Presented by
Jenny Kassan, CEO, Cutting Edge Capital
Jason Gore, Partner, Green Ladder Funding
________________________________________

 The initial presentation of this topic on 9/27 in Berkeley was so popular that we decided to offer it again for those who couldn’t attend and those who just want more!
_____________________________________________
A Direct Public Offering is a process for companies -
but especially green, sustainable, and other value-driven companies - to raise capital from like-minded investors.

Most entrepreneurs seek financing from banks, VCs, and angels. While these funding sources can work for some companies, they can also be problematic (we’ll briefly discuss why at this event).

There’s a better way. In this knowledge-packed event, you will learn how to raise money using a little-known set of state and federal laws which allow companies to advertise and market offerings directly to the public.

Just as the Obama campaign illustrated that it is possible to raise millions from individuals rather than relying on large corporate donors, entrepreneurs are using Direct Public Offerings to raise large sums from many small investors.

The ability to advertise directly to the public makes it possible for both startups and existing companies to reach affinity investors and raise money faster and cheaper than resorting to banks, angels, or venture capitalists, while staying true to their mission and values. And the best part is that you maintain control of your company and the funding process.

In this 1-1/2 hour webinar, with time for Q&A, you will learn practical rubber-meets-the-road tools to:
• Reach a new, untapped pool of high-probability investors
• Structure your deal with 3 insider tricks-of-the-trade you won’t learn anywhere else
• Close investors in 5 working days by making an investment offer that investors can’t refuse

If you have a green, sustainable, or triple-bottom line business, and need capital to implement or expand it, this webinar may reveal a new avenue for you to successfully raise capital.

The Joyce Gordon Gallery commemorates its 7 Year Anniversary and the official launch of its Youth Art Alliance in a dynamic and unique 7 Day Arts Celebration, this September 10-16th.

“7 in September” kicks off with a gala and silent auction hosted by Mr. Geoffrey Pete, and live fashion shoot by RenegadePR. The following days include an Art and Youth Fair to showcase the features of our Alliance, continues to Sankofa Institute’s Jazz Festival that includes Destiny and S.O.N.G. and a Spoken Word evening produced by Hot Water Cornbread. The exciting lineup includes Healing Arts, Film Festival and it closes with a party at Maxwell’s Lounge hosted by Soul Therapy.

Joyce Gordon Gallery
Gala and Art Auction
hosted by Mr. Geoffrey Pete

September 10, 2010

7:00 pm Silent Auction Opens
10:30 pm Silent Auction Close

406 14th St. Oakland, CA 94612
510.465.8928