KIVA loans — a “zero percent” alternative

Our Executive Director talks with Aden Wertz about the Kiva Loan program. Kiva loans are “crowd sourced” loans where people from across your community, and around the world, will loan money to enable a business to expand, grow, or operate. There are a number of changes in response to the COVID–19 crisis. The Covation Center as a KIVA Trustee can work with you to prepare your loan application and help you put your best foot forward. (At no cost to you.)

This is our a link to the Kiva Application for people to have us listed as a Trustee automatically.

COVID 19 and PA Unemployment Compensation

Welcome to the Covation Business Talks Podcast. This is the first episode, and we jump right in to the discussion about Pennsylvania’s changes to the Unemployment Compensation process due to the response to COVID 19. Now this process is subject to change as the challenges ahead change, but we recorded this episode to get the information “out there” right away.

Grit newspaper

Do You Have What It Takes?

Grit: courage and resolve; strength of character.

That’s what it took to survive in Lycoming County back in the 1800’s.  So much so, that a newspaper founded in Williamsport bore the name of “Grit.”   Small business owners can learn a lot from the courage and resolve of Dietrick Lamade, (pronounced Lah’-mah-dee) a Co-founder of Grit.

Courage: the ability to do something that frightens one.

Dietrick Lamade was a typesetter, who worked for several different newspaper publishers in Williamsport.  He lost his job when his employer had to shut down his printing operation because of depleting funds and failing health.  At age twenty five, Lamade found himself with a wife, two kids and no job to support them. This young entrepreneur partnered with two of his buddies, pooled their resources, and purchased the equipment from his previous employer in order to start their own publication:  Grit.

Resolve: decide firmly on a course of action

The first issue, printed in 1882, brought in $4.  Their weekly expenses were approximately $80 to operate.  You don’t need much business insight to see that this is not sustainable.  It would have been easy to become discouraged and throw in the towel. In fact one of Lamade’s partners left the firm very early on because of their struggle to survive.   Lamade, on the other hand, because of his resolve, stuck with it. Soon the company was bringing in $40 per week. Not enough to survive, but if he could grow the business from $4 to $40, why not grow it from $40 to $400?  That’s exactly what he did and within five years his circulation reached 20,000 people. 

Strength of Character: being true to yourself, no matter who is watching.

After another ten years of hard work, his paper reached 100,000; Lamade’s perseverance paid off.  This success, however, didn’t change who he was. He did not choose sensational stories or images which played off readers fears or curiousity of the grotesque.  He set his sights on a higher goal and stuck with it. At a banquet for Grit employees, Lamade outlined his editorial philosophy:

“Always keep Grit from being pessimistic. Avoid printing those things which distort the minds of readers or make them feel at odds with the world. Avoid showing the wrong side of things, or making people feel discontented. Do nothing that will encourage fear, worry, or temptation… Wherever possible, suggest peace and good will toward men. Give our readers courage and strength for their daily tasks. Put happy thoughts, cheer, and contentment into their hearts.”

Be an innovator:  a person who introduces new methods, ideas, or products.

Throughout his career in the newspaper industry,  Lamade was an innovator. He was one of the first to adopt the use of electricity to operate his printing press.  He is also credited with utilizing news boys. Move over Newsies of New York–your occupation got its start right here in Williamsport.  He was also one of the first to use direct mail to reach his customers. Lamade thought outside the box and delivered results.

Williamsport business leaders: This is part of our heritage.  The little league ball field that brings our region into the spotlight of the world every summer sits on land donated by his family and the stadium is named after his son.

What can we learn from Lamade’s story?
Business isn’t easy.  It takes Courage, Resolve, Strength of Character and Innovation.

 It takes Grit.

Photos courtesy of Lycoming Historical Society.  Special thanks to Scott Sagar and all the folks at the Tabor Museum.  If you haven’t visited or haven’t been there in a while, go explore more of Lycoming County’s rich history!

Backhouse Cafe Coffee & Tea

Intentional Neighboring

In August of 2018, Backhouse Cafe Coffee & Tea, owned and operated by Ron and June Wright, opened the doors of their restored Victorian Era mansion to the public.  As they moved in upstairs and opened the coffee shop on the first floor they incorporated their desire to know their neighbors into every aspect of the business.  And while their business has benefited from their efforts, their actions haven’t been motivated by their bottom line.  Anyone who’s been in their shop can tell there is something deeper at work here.  I had the privilege of interviewing Ron and June and experiencing the heart of their small business as part of the Covation Center’s participation in PA’s Partnership for Regional Economic Performance grant.


Moving to downtown Williamsport from the western side of town, Ron and June brought with them their desire to build community.  At their previous home they made a point to know everyone on the block. “It’s just who we are,” comments Ron, “We strive to be friendly and make friends.”  True to this nature, they made an intentional effort to not only introduce themselves to their neighbors, but to build relationships with them.


They met the realtor for the rental property next door who used their upcoming business as a selling point for the adjacent vacant apartment. While they were in the process of purchasing the building, they introduced themselves to the directors of the Tabor Museum and the Lycoming County Historical Society directly across Fourth Street, and began sharing their dream for the historic home.  The Historical Society immediately took an interest in Ron and June’s desire to preserve and share this piece of Williamsport’s history with the public. A relationship of mutual appreciation was born which strengthened as challenges to opening a coffee shop in a historic home arose.


As the Wright’s worked through the requirements of the Williamsport codes office, they discovered they needed off street parking in order to be approved to operate their business.  Sharing this need with the Historical Society and directly asking for their assistance, their neighbors across the street were happy to assist, giving permission to use some of their parking.   This mix of friendship and business hasn’t ended there; these two businesses continually refer customers to each other.


Relationships in Every Level of the Business

As I sat at a table talking with Ron, he greeted several incoming customers by name, and it became apparent that relationships are what drive this business at every level.  His customers are more than a source of revenue; they are individuals with hopes, dreams, and stories. With each person who walks through the door, Ron asks himself, “What can I do to make this person’s day better?”  He answers that question by giving people more than just coffee and tea.  He provides a place where you can be seen and known for who you are.


Beyond his customers, Ron has built a relationship with his coffee supplier, Kobrick Coffee.  He shared a story about traveling to their location in New York City and meeting with several generations of this company’s founding family.  Kobrick also spent time training Ron, investing in him to help ensure his success as a client. Now Ron primarily brews their coffee and their relationship has continued to develop, resulting in Ron’s loyalty to their brand.


Positive Results: Reciprocal Relationships

To the east, across Maynard St. lies a beautiful city park: Ways Garden.  Ron has begun building a relationship with the management of the park. As Spring begins and Backhouse Cafe prepares for their first summer in operation, Ron gets excited talking about how he can promote the events at the park.  It became apparent that he genuinely cares about the success of events held at Ways Park; he is less concerned about the benefit to his own business. His motivation for promoting events at the park is not to increase his bottom line.  His interest in his customers isn’t primarily that they’ll come back.  His interest in the historical society wasn’t just so he could make a deal over parking spaces. Ron and June’s desire for the well-being of their community motivates their relational generosity.  This has resulted in genuine relationships with others, who in turn, care for them and want to see them succeed.

June shared her take on their business methodology:  “It’s just sowing seeds.”  Ron summed up the essence of what drives them stating, “It’s the law of the harvest.  You reap what you sow.”  This business is reaping a harvest of good will from their neighbors and customers that’s a direct result of what they have freely sown.  They sow that which cannot be purchased, but can only be freely given: genuine love for their neighbors.