I am please to be facilitating for a second time Working Solutions‘ annual strategic planning session. Working Solutions is a San Francisco-based nonprofit providing business coaching, loans and referrals to businesses throughout the Bay Area. Emily Gasner, Executive Director, has built a strong program that helps revitalize local economies and strengthen the small business sector. WS is a Community Development Finance Institution and an SBA Micro Lender, among other programs. Working Solutions was started in 1999 by TMC Development, a CDC providing SBA 504 loans, to serve the micro finance niche. Emily and her team are providing an excellent example of the growing micro finance industry in California.