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IRP and RLF
IRP Loan Program
The Intermediary Relending Program is for businesses in rural areas and is often used by agribusinesses.

It is funded by the USDA. The IRP offers repayment terms of up to 20 years, and provides flexible terms and competitive interest rates.

The program is designed for higher credit risk businesses and start-ups Loans range from $10,000 to $150,000. more...

RFP Loan Program
The Revolving Loan Program can help small businesses purchase machinery and equipment or providing working capital.

Funds through the RFP program are made for "gap" financing needs to small businesses that fall outside traditional lending or in cases where lenders are unable to loan additional funds.

The program is designed for higher credit risk businesses and start-ups within Tulare County. Loans may range from $10,000 to $150,000. more...

 

 

 

  Classics In Flowers

Location:

Classics in Flowers
125 S. "F" Street
Exeter, CA 93221

Loan information:

lisa@cdctulare.com
BFC phone: 559-688-6666

Teresa Ogas is the owner of Classics in Flowers which is a retail florist shop for floral arrangements, house plants, balloons and giftware. She purchased the business from the original owners in November of 2001. The store was originally established in 1981 and has built a strong customer base since that time.

Classics in Flowers is located in downtown Exeter. The business has a reputation for carrying a large variety of fresh flowers, with many imported varieties that are grown in Ecuador, Mexico and Holland. Teresa accepts special orders and will go out of her way to accommodate whatever your needs are. She extends her service and deliveries to the outlying communities of Visalia, Lemon Cove, Lindsay, Woodlake and Farmersville.

Teresa is a graduate of Cal Poly, San Luis Obispo and obtained her Bachelor's Degree in Agribusiness. While attending college, she worked at a florist shop in Arroyo Grande and after graduation moved to Exeter. Prior to going to Cal Poly, she worked for the previous owners of Classics in Flowers and has over 7 years experience in the floral industry. Teresa remains involved in the community through donations and memberships in service clubs.

Teresa's loan package included both an RLF and an IRP loan, with Bank of the Sierra as the participating lender.

 

 



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