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.

Thursday September 15 from 1-5:30pm

Yoshi’s Theatre and other Fillmore St. sites in San Francisco.

This is a free conference that will bridge the digital divide, assisting small businesses with technology and social media.  There will be a reception from 5:30-7pm at Sheba Lounge at 1419 Fillmore St.  San Francisco.

cybermarketing2011.eventbrite.com

September 12, 2011 from 11:30am to 1:30pm

UCSF Mission Bay Conference Center

1675 Owens Street
San Francisco, CA 94143-3008

http://www.registerone.com/pcvshowcase/register.asp

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/

October 5, 2011 from 6pm-9pm

The Bently Reserve,

301 Battery Street

San Francisco, CA, 94111

http://www.rencenter.org/get-involved/annual-event

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.

People’s Federal Credit Union is currently offering free credit report reviews. Make an appointment to receive a copy of your credit report and meet one-on-one with a trained credit coach. Credit coaches can answer questions and help you to make a plan to rebuild your credit. For more information, contact the People’s Federal Credit Union at 510.267.0450 x305, para espanol x307 or stop by at 1432 7th St. Oakland, CA 94607 across from the West Oakland Bart Station.

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.