Special Financing Helps Jamaican Restaurateur Open New Location in Minneapolis
Special Financing Helps Jamaican Restaurateur Open New Location in Minneapolis
U.S. Bancorp Impact Finance and local CDFI collaborate to help Pimento restaurant owner expand
美國合衆銀行Impact Finance與當地社區發展財團合作，幫助Pimento餐廳業主擴張。
NORTHAMPTON, MA / ACCESSWIRE / June 28, 2024 / U.S. Bank
2024年6月28日，馬薩諸塞州諾瑟漢普頓/ACCESSWIRE/美國銀行。
Tomme Beevas, center, in the kitchen at his Pimento on the Lake restaurant.
Tomme Beevas在Pimento on the Lake餐廳的廚房裏。
Originally published on U.S. Bank company blog
最初發佈於U.S.銀行公司博客上
Tomme Beevas' story starts in Kingston, Jamaica, where he soaked up inspiration from his grandmother, who loved to cook.
Tomme Beevas的故事始於牙買加的金斯敦，他在那裏受到祖母的啓發，祖母熱愛烹飪。
"My grandmother was a gregarious woman who built her own empire from scratch from the 1960s to 1980s," Beevas said. "Growing up in her house, I had the opportunity to experience the greatest, freshest seafood one can imagine."
“我的祖母是一個充滿活力的女人，她從20世紀60年代到80年代自己創業，”Beevas說。“在她家裏長大，我有機會體驗到人類能夠想象到的最好、最新鮮的海鮮。”
In addition to teaching him how to cook, his grandmother, an entrepreneur, taught him about running a business, Beevas said.
在教他烹飪的同時，他的祖母還是一位企業家，Beevas說，她教了他如何經營業務。
Beevas earned an MBA and his career path took him various places, including several years in Washington, D.C., before he landed in Minneapolis in 2006.
Beevas獲得了MBA學位，他的職業道路帶他去了不同的地方，包括在2006年到達明尼阿波利斯之前在華盛頓特區工作了幾年。
Beevas has opened Pimento, a Jamaican food pop-up in 2012, opened his first brick-and-mortar Pimento location in 2013 and has since grown to five locations, most recently with the launch in 2023 of Pimento on the Lake, located on lake Bde Maka Ska.
2012年，Beevas開了Pimento，一家牙買加食品流動店，2013年他開了他的第一家實體店，並一直擴張到五個地點，最近在2023年推出了位於Bde Maka Ska湖的Pimento on the Lake。Pimento on the Lake位於Bde Maka Ska湖的Pimento on the Lake。
"What it means for me to be a small business owner is to be an instrument of economic liberation to provide job opportunities for our community," Beevas said. "What made me become a small business owner was the need to represent my culture and bring my food to the market."
“對我來說，成爲小型企業所有者意味着成爲經濟解放的工具，爲我們的社區提供就業機會，”Beevas說。“讓我成爲小型企業所有者的原因是有必要代表我的文化和將我的食品帶到市場上。”
Pimento on the Lake
Pimento on the Lake
In order to create Pimento on the Lake, Beevas needed affordable capital, he said.
爲了創建Pimento on the Lake，Beevas需要負擔得起的資金。
He had long been a U.S. Bank customer, working in recent years with Business Access Advisor Tim Farrow, and reached out for assistance as he sought affordable capital.
他長期以來一直是美國銀行的客戶，並在尋求負擔得起的資本時與Tim Farrow等人合作並尋求援助。“Kidd說：”Kashif是我上任後第二個我交流的人，他很好合作。“Beevas的相對較小的企業面臨的挑戰以及他需要負擔得起的資本的可負擔性促使美國銀行附屬機構美國合衆銀行Impact Finance與當地社區發展金融機構Metropolitan Economic Development Association（MEDA）合作，進行長期資本投資。這使Beevas能夠獲得資本融資結構，使他和他的新實體受益。
Challenges with Beevas' relatively small business coupled with the affordability of the capital he would need prompted U.S. Bank subsidiary U.S. Bancorp Impact Finance to collaborate with a local Community Development Financial Institution (CDFI), Metropolitan Economic Development Association (MEDA), on a patient capital investment. This enabled Beevas to receive capital in a financing structure that benefits both him and his newly created entity.
“Impact Finance是CDFIs的堅定支持者，因爲我們意識到他們在爲不發達社區帶來投資方面發揮的至關重要的作用，特別是那些可能無法獲得傳統商業融資支持的社區，”Impact Finance影響資本經理Jimmie Howlett說。“我們很高興我們能與MEDA和Tomme一起合作，幫助他實現他的商業目標。”
"Impact Finance is a strong supporter of CDFIs because we recognize the critical role they play in bringing investment to underserved communities, especially those that may not be eligible for traditional business financing," said Jimmie Howlett, Impact Finance impact capital manager. "We are pleased that we could work with both MEDA and Tomme to help him achieve his business goals."
2023年8月，Impact Finance與MEDA的投資順利擴大了Pimento on the Lake的規模。兩個月後，Beevas開業。
In August 2023, Impact Finance closed on the investment with MEDA to successfully expand Pimento on the Lake. Beevas opened two months later.
“對於小型和少數民族擁有的企業來說，獲得資本是具有挑戰性的，”Beevas說。“如果美國銀行沒有站出來，這將無法成爲現實。”
"Access to capital can be challenging for small and minority owned businesses," Beevas said. "If U.S. Bank hadn't stepped up, this wouldn't have been a reality."
Metropolitan Economic Development Association的副總裁Adrian Ruddock表示，美國銀行一直是這筆交易的重要參與者。
Adrian Ruddock, vice president of lending and business consulting services at MEDA, said U.S. Bank has been a major participant in this deal.
MEDA的貸款和業務諮詢服務副總裁Adrian Ruddock表示，美國銀行是這筆交易的一個重要參與者。
"I tell our clients all the time that banks, CDFIs and small business owners must figure out collaborative, alternative ways to work together and provide a holistic approach to the entrepreneur so they can walk through the life of a loan," Ruddock said.
"我時常告訴我們的客戶，銀行、CDFIs和小企業主必須想出合作、替代的方法，並提供全面的方法來幫助創業者，讓他們順利度過貸款期間。"Ruddock說。
Eight months after opening, Pimento on the Lake is beginning to see a greater uptick in customers, Beevas said, especially as the Minnesota summer weather kicks in.
在開業8個月後，Pimento on the Lake開始看到更多的客源流入，Beevas說，尤其是在明尼蘇達州夏季天氣來臨之際。
"I believe my experiences are an opportunity and seed to ensure other businesses like Pimento can have access and resources," he said.
"我認爲我積累的經驗是確保像Pimento這樣的企業獲得資金和資源的機會和契機。"他說。
For more about Beevas' story, watch the video above.
想了解更多Beevas的故事，請觀看上面的視頻。
View additional multimedia and more ESG storytelling from U.S. Bank on 3blmedia.com.
在3blmedia.com上查看美國銀行的其他多媒體和更多ESG故事。
Contact Info:
Spokesperson: U.S. Bank
聯繫信息:
發言人：美國銀行
SOURCE: U.S. Bank
來源：美國銀行
譯文內容由第三人軟體翻譯。