you should assume you will guarantee the loan regardless of the structure of your business. the good news, though, for businesses like you are describing, internet business, is that the capital requirements for that type of business is generally small. you are able to get yourself further along and share in revenues with a smaller amount of credit need. that is where we see a lot of businesses and personal service or internet business get started, and generate revenues and be able to show growth without needing any capital, like a brick and mortar business might. >> my name is terry said. i have a retail business in san francisco for 22 years. i have a 5 04 -- 504 loan.

it took me three years to get. we need more capital. i tried to get a line of credit from wells capital. i was decline. where does someone like myself go? i have a loan, i need additional funding. >> did you try through the sba? >> i already have an sba loan. i went to wells fargo for a line of credit and they would not give me one. >> i can speak to you about it. when we look at funds that are needed, the biggest thing we look at our cash flow. i can address that with you. unless there is an issue, at that point -- [inaudible]

>> let's talk, ok. >> i have a couple of more questions. i know that the panelists have agreed to stay after for those who have specific questions. i do have one question for wells fargo. what are the typical rules for applying for sba loan of less than $50,000? how much money do we need to have in your bank to apply for a loan? >> i am on the smaller side of the bank. i am a transaction guy. i do not technically require one to have an account to do a loan with. what i look for, i generally start at 100,000 and up. when it is a requirement of 50,000 or less, i tend to call

of the micro guys to help me out. that is right in their box. for us, the capacity for us to do the smaller side is not there as much as it is for them. on getting a loan through my side of the bank, i do not require an account to do that. we would like to have it, but i do not require it. >> last question for the opportunity fund and a critic representative. are you a cdfi? is san francisco and s.p.a. in support of cdfi's being established in san francisco? >> yes, we are. we were founded in 1999 with a small business loan.

that is how we started our tenderloin office. >> opportunity fund is a certified cdfi, so we are providing a benefit to low and moderate-income communities. he is the city establishing support for new cdfi's? >> mark wanted to address that, in support of cdfi's in the city. >> we have a wealth of partners in the city. s.p.a. is just now rolling out a program for r -- will be the case by the summer. let me get one last point and on the question about relationships

to lenders. the question was, do have to have an account with a bank in order to get a loan? may answer is no, but the real answer to it is certainly want to do that. one of the things we see as an important thing for you, as a small-business person to establish a relationship with a lender on a variety of levels before you look for funding. part of that is opening an account with them, letting a lender know about your business, understand your business, talk to them as you are growing your business. when the economy is strong, all lenders are shopping for transactions. in times are tough on credit, you want to rely on those deeper liberation ships with your lender. you want to develop a relationship with a lender. it is the case where you want to open up an account, while to have another bank services that

you want to have a relationship with your lender with it because when you go to them for any loan requests, you want them to know about your business and feel like they are a partner of yours, not just that you are shopping them. if you are shopping, you are just looking for the best deal from them, rather than a long- term relationship. >> i want to thank everyone for coming. hopefully, you have all signed up for our updates. we are going to be hosting these on a regular basis. the next two coming up will focus on becoming a government contractor, how your small business can partner with the government. the next one will also be on how to grain your business, with tax -- green your business, tax credits available with that. for non-profit, charitable organizations, we have a

workshop coming up. that is helpful for those of you who are looking to access the committee on a durable basis. >> also, on behalf of leader pelosi, i want to thank our panel and her staff. we are tenants in this building. i apologize for the security situation that happened upstairs. if you have concerns about it, please come and see me. i would like to convey those to the landlord here so that it does not happen again. thank you.

>> i'm susan buckbinder. i'm the director of the h.i.v. research section and of the sore project. on behalf of the entire project and the entire team which is large, i want to welcome you all to our ground-breaking ceremony and just give you a little bit of background on the aids office itself and the reason for the soar project. the aids office is really a unique research institution. in addition to the care that's provided and the resources that are given to the community to care for, to prevent and care for people with h.i.v. infection, we really are the only health department that is leading the h.i.v. prevention and surveillance effort. the kind of research that we do is done primarily through universities, so we're in a unique position.

we have three research organizations houses within the aids office. there is the h.i.v. epidemiology unit that is headed by dr. seussan sheer and willie mcfarland. they really are the premiere surveillance group for h.i.v. and aids in the country that train many other groups globally about how to track h.i.v. infections and h.i.v.-related disease, so that we can know how best to target our prevention efforts and our treatment efforts. so they have really done a huge service to the global h.i.v. aids community and also in addressing health disparities. the h.i.v. prevention unit is headed by dr. grant koufax. they also are really a ground-breaking research organization as well as providing prevention services and leading the presense efforts in the city. they have really spearheaded this effort at looking at how

treatment can effect prevention, how if you get people tested and treated more globally, you can really drive down h.i.v. infection. and so through that, they have pioneered on viral load and h.i.v. testing, in treatment of substance use and a variety of other topics. and then i head the h.i.v. research section and we have a number of talented folks who work with me. we're test age number of different kind of prevention interventions including h.i.v. vaccines, preexposure prophylaxis which is using h.i.v. medication to prevent new infections, reaching out to the african-american community to understand what is driving the epidemic particularly in that community and using peer health navigation to connect them with services, combination prevention intersenses and so forth. in the last year, we have had a couple of major breakthroughs in both a new h.i.v. vaccine

that seems to be providing partial protection and we are understanding how that is working and preventing new infections. the entire aids office has come together to work collaboratively to address the epidemic. now, we were challenged in that we are based in a health department and so we don't have the resources to build buildings and to renovate buildings because we're largely grant funded. one of our employees, janey vincent, saw a -- [applause] >> saw that there were federal stimulus funds that we could apply for to renovate our building. we needed to work together more collaboratively. teams were split up on different floors and there wasn't good meeting space to work cross teams. we needed more clinical space to see our study volunteers and we

needed more community space to bring community into what we do. under barbara garcia's leadership, we came together and put in this grant and it's the first time that the federal government, n.i.h., has awarded this kind of money to a health department. they've only awarded this kind of research money to universities so it's really through the joint efforts under barbara's leadership that we've been able to move forward and it's really through the support of the city government through the mayor, through our supervisors, through the health commission, that we've moved this field forward so without further ado, i want to introduce the honorable mayor lee. [applause] mayor lee: thank you, everybody, for coming this morning, and dr. buchbinder and barbara and the commissioners, congratulations. these days it is so difficult to land federal grants, so matter

where they're from and it only takes the dedication that you've identified, the people who worked on this very hard to put together a grant specific to modernize our aids research office and it's absolutely needed. i remember in the early 1980's where we joined three major cities of the country, this city and new york and los angeles, where the initial aids research got started and we are concentrated in our areas but we understood that this epidemic had to be studied further to make sure we were on the right track to discover not only breakthroughs but prevention ideas that would be directed at curtailing this epidemic. so you fast forward the 25, 30 years since that time, and we need more of that research done so i am glad this money was identified. it's going to be very helpful. the $9.5 million of aid from the

national institute of health. this is almost miraculous. you don't see these grants very often to public agencies unless we are doing the absolutely necessary thing, and that is focused on improving and making sure we make great breakthroughs and we are going to be able to do that with this additional space. this money will go towards additional 8,000 square feet on top of renovating another 9,000. so it's a total focused on the 17,000 square feet of space that is in different floors of this building, making sure they're connected up and that we have additional physician space, counseling offices and examination rooms as well as research space. that's invaluable. i want to put on my d.p.w. hat for a moment, as well, because d.p.h. doesn't work if a vacuum. when they identify this, they

work with everybody. i want to thank supervisor wiener for coming here today, too, because he knows how important it is for that collaboration to occur. so d.p.h. working in this facility -- and by the way, i need you to know that probably the last time i was standing here was having barbecue when it was a barbecue restaurant here and i was at the top floor, at rooftop hall, heading up the human rights commission and we were already working in concert with the aids office to prevent discrimination against people with aids and i recall those meetings because it was so important to make sure those people weren't discriminated against as they tried to survive and find help in this wonderful city that we have. public works, you're amazing, you working with our real estate department in finding ways to make sure we have the best approach to this and we are also working with our private contractors.

i know turner construction is doing the construction management here, working closely with our bureau of architecture and engineering to make sure this is done on time, within budget. that's the mantra of using federal funds these days. you better be on time. better be on budget. and we also better make sure that when we do this, we reach out to our local vendors and make sure they're participating in this economic times, struggling. we have a 25% goal to do this correctly. so this renovation is important for all of those different levels but the most important thing is that we have more modern offices for our aids epidemic research. because i know, i know that in our lifetimes, barbara, we're going to find fantastic breakthroughs with your leadership, the leadership of the commission and the wonderful staff that you have that is focused on ending this epidemic and making sure people not only get the resources that they have but that they also know that

this is the city of hope, that we're going to continue doing what is necessary to make sure that we end this epidemic and to provide cures for people around the world. it isn't just for san francisco any longer. we know the disease knows no boundaries so the discoveries that we will make here, the prevention ideas that will educate more and more people about safe practices, safe lifestyle, and the discoveries that we have in finding the appropriate drugs, will happen as a result of this effort here. and so i want to thank everybody for working together, and i want to thank mark primo, as well, and his private consulting capacity, that he's been able to take a look at the physical things that we can do to ensure that the research goes on, and i want to celebrate this day and get ready to knock down these walls and make sure that we provide the space that we have. thank you very much for being

here. [applause] >> i'd next like to introduce supervisor scott wiener. supervisor wiener: thank you, thank you. i thank both of my constituents, dr. buchbinder and mayor lee. i have the honor of representing the castro, among other neighborhoods, and as you know the castro is arguably the hardest hit neighborhood in the country in terms of this epidemic so i feel a special responsibility to always thereby and make sure that our city does what it needs to do to beat this disease. and i know that our department of health has done such a tremendous job in terms of the services that it provides to our city, to our community, to make

sure that people have access to prevention resources, to treatment resources, and i know they will always be there and this project will increase the effectiveness of our city government in terms of consolidating services, having people together and working collaboratively. so i'm really excited about that. also, in addition to all the great work that the office of aids and d.p.h. do in san francisco, it's a reminder to the world, the international leadership role this department plays in terms of fighting hiv/aids and i was reminded of this a few weeks ago when i was sponsoring a grant acceptance for the department for some international work and i got a call from a reporter about why are you sponsoring, you know, something relating to kazakhstan, and it was actually a great opportunity because we got to educate this reporter

about what this department does and how this is an international epidemic and how people around the world look to san francisco for leadership and expertise in fighting hiv/aids and the reporter said to me afterwards, wow, i had no idea how much brilliance is in this department. so this is an exciting department and i want to congratulate everyone. thank you. [applause] >> thank you, supervisor wiener, for your ongoing support. i'm next going to introduce our director of public health, barbara garcia. [applause] >> good morning, everyone. i am so honored and i'm so proud of the department's staff. i get a lot of travel requests and it's to peru and mozambique and tanzania and at the bottom it says how much it costs and it's usually zero and those are the ones i like to sign but it really does. and i want to just acknowledge

the d.p.h. aids office staff, please raise your hands, because you clearly -- [applause] >> some of you, in culmination of years, i know you have hundreds of years of experience here and i know that is so, so important and we've done some incredible work in san francisco and you've taken your work and your understanding of this disease to other parts of the world and it makes such a big difference for everyone in the world, particularly around ending this disease. you're doing aids planning and my job as the principal investigator is to help with space planning. this is a 100-year-old building and we were in all kinds of spaces and i want to acknowledge the staff that helped and figured out how to move people and how to construct behind them. mark primo and martine soto -- raise your hand, martine.

he's been my negotiator whenever people are trying to figure out what the next space process is going to be. i also would like to recognize the department of public works. i believe we have representative. the real estate division, john updike. the 25 van ness real estate team, leslie, jerrold and john updike. one of the things that we're looking at is how to bring this to the 21st century in technology, where, also, we're going to have a large conference room. i believe it's going to fit about 150 people, and that will be able to bring community people in, but it's also going to be an advantageous one for us. we're talking about telemedicine so we can speak to other parts of the world in terms of our work. so the department of technology. do we have representatives? all right, great. and our own san francisco department of information technology unit, do we have our

staff here? and turner construction. what could we do without a construction company. so -- [applause] again, i wanted to thank all our staff but also it's really important to acknowledge the role of our commission who continue to support our efforts, and this effort. i wanted to introduce steve cherney. >> i just want to take a second to congratulate everyone. i had the pleasure to work in this 100-year-old building for a while. the exciting thing about san francisco is when the c.d.s. and hearsa said we want to cut new hiv infections by 10%, san francisco said, no, 50%. when they said we'd like to get folks in line with undetectable environmental load, susan and the rest of the team said, no, that won't do, we need everybody in undetectable environmental load and they said if we do

that, we can cut down on care dollars and we said, no, folks living with hiv in san francisco across each community will receive the highest quality care possible and that commitment is demonstrated again over and over again and the awarding of this grant and the mayor coming to tell us that he supports these efforts in the strongest possible way and will over the next administration is just news that's important for everybody in the community. so we're proud to be here and i can't wait to see who hits that wall with that hammer. and begins the good work. congratulations, everyone. [applause] >> i think, with that, we're going to begin our ground breaking and i think our mayor has the opportunity for the first swing. mayor lee: are we ready? ok!

[applause] [horns honking] [siren wails]

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>> good morning, everyone. i'm jennifer mats. i'm director of the mayor's office of economic and work force development. i'd like to welcome you here this morning to the grand opening of pearls and for announcement regarding our community ambassador program here on central market as well as some increased public safety

measures. without further ado, i'm going to introduce mayor ed lee and then a few other speakers to talk about the initiatives and talk about pearl. so mayor lee? >> thank you. thanks, jennifer. >> good morning, everybody. can everybody hear me? all right. well thank you, everyone, for coming to the new pearls delux burger here at sixth and market. thank you. [applause] i want to thank silvia, the owner. jim is the manager here. thank you for managing this place. and also congratulate all 16 permanent employees who have just started here today. that's been a theme of ours. i know david chui is here. kim is here. jennifer with thank you ve