September 2, 2025 • 34 mins
Join host Dave Miller on this episode of "Inside the Vault" as he welcomes Juan Garrett, the Executive Director of the Riverside Center for Innovation (RCI). Juan shares his journey from accounting to leading RCI, an organization dedicated to empowering small and diverse businesses in the Pittsburgh area.
The discussion highlights RCI's evolution from the Northside Industrial Development Company to its role as a regional hub for entrepreneurship. Juan details the various services, resources, and programs that RCI offers to the Small business community. Juan walks Dave through RCI's BizFIT Entrepreneurial Cohort Training, which is designed to assist disadvantaged business owners in both the non-construction and construction industries with the skillset to operate their businesses from start-up to becoming a sustainable enterprise. Juan also offers valuable insights on persistence and networking for entrepreneurs.
For more information about RCI and its programs, visit www.riversidecenterforinnovation.com
Thank you for listening to this episode of “Inside the Vault”. Subscribe today and follow us for updates, and if you have any questions or topics you would like to hear about, please email us at insidethevault@enterprisebankpgh.com!
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Episode Transcript
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(00:05):
Welcome to Inside the Vault, Enterprise Bank's podcast series, where we talk
about items of interest to the small business community. With
me today is a longtime personal friend and a longtime friend
of Enterprise Bank, Juan Garrett, who is the executive director
of Riverside Center for Innovation. Juan, welcome to Inside the Vault. Welcome,
Sure, sure. So before we start talking
(00:28):
about Riverside Center, for our viewers and listeners' benefits, I'm
going to refer a lot to RCI, which is It's a lot easier to
mention on the fly than the full name. But before we
start talking about RCI, Juan, can you give
us a little bit of your background and your involvement with
I'm the executive director here at Riverside Center for Innovation, as Dave said,
(00:51):
RCI. I'm actually born and raised here
in Pittsburgh. Actually, the city of McKeesport still live there. I
went to Robert Morris University for accounting. I started
off in nonprofit for a community development company in
Homewood is actually before I moved over to actually
our legal name is Northside Industrial Development Company before I
(01:12):
moved over to there. So I've been there since 1991. And it really
worked my way up through the ladder from an accounting to the executive director's position
Yeah. And we were we were talking offline. You and I have known each other from
my days at the SBA and a prior life when you first became involved
with RCI since the early 90s. But you've been executive director
(01:33):
now for how long? Since 2016, I became the executive director.
And as you said, in those early days, we won a business information
center when we started at the SBA. So that's really
Right, right. So let's let's kind of dig in. So give
us a little bit of history of Northside Industrial and
(01:58):
So Northside Industrial Development was established in 1983, and
it was the community development for real estate development in the
city's north side. So in those
early days, it was the development group. We did housing development,
commercial development, worked in the neighborhoods, participated
in neighborhood community meetings. We were
(02:20):
one of those leading organizations in the 90s.
There was about five organizations throughout the city that
received funding to do development in those areas. The
reason we were hired, because our organization took on some really aggressive
development projects, and they, at the, I
guess, in the 1980s, things started happening
(02:44):
nationally, so some of those projects began to falter. So
we had this building, Riverside, and that
was one of the first buildings that was on the list that we said we should
probably not continue to do it, but it was under construction. It
stayed in and we did a work real estate workout for all the other
projects. And then next thing you know, we looked up at the late 90s
(03:06):
and said, wait, we got this incubator here and we get these startup
companies. And next thing you know, some of them are really booming and
starting to do. So we really did a focus in
a think tank with one of our companies and refocused and
rebranded to Riverside Center for Innovation. And let's just focus
on small and diverse businesses to get help.
(03:28):
Because at that time technology was real big and everybody was focusing
in on tech companies, but who was really here to help those mainstream businesses?
So that was the role that we played and we continue to play today. So
you guys kind of started out focused on kind of the north side neighborhood, but
Yes, we're a regional resource, mainly because of that business information center,
(03:49):
because they were responsible for Western Pennsylvania. So
we had to go back to our board to change our area and
our scope to say Western Pennsylvania. However, we really
don't do all the Western Pennsylvania, but we do at least Southwestern Pennsylvania,
the 10 counties, five counties surrounding regions where we have partners
in those regions that we are able to work with. We
(04:12):
don't, we like to collaborate a lot more so than trying
Right. So how is, how is RCI governed? I'm assuming
Yes, we're a nonprofit. We have a 12 member board today,
which I could probably bring on two additional board members. But
we are a non-profit, 501C3, and
(04:32):
we do have a 12-member board. We have seven staff members. They're
a great team that we have, and we can't do this alone, but
we also have probably about 60 resource partners
we work with throughout our organization.
We're working not in silos, because
we can't do all of this and have the success we can by ourselves. We
(04:55):
pride ourselves on really finding other partners and we have a
saying that we like to add a spoke to that will to make
That's cool. Yeah. That's a cool analogy. So
I always kind of looked at Riverside Center as kind of like two
primary, let's say, resources.
(05:17):
One is the building itself. Yes. And you guys, before co-working
and incubators became buzzwords,
you guys were in that early on. And then the second focus
of RCI is, you know, resources for entrepreneurs
and small business owners. So let's start with the building. So tell
(05:38):
us about the facility and what you guys offer in terms of
Sure, so that building, thanks to actually how we
met Enterprise Bank, is now debt free, but really worked
really closely with you all to bring on, so we could focus
in on working with the entrepreneurs. Today we have about 45 smarts
in our business building, and they range from office sizes from
(06:00):
anywhere from like 150 square feet to
almost 5,000 square feet. Those are our anchor tenants. However,
anchor tenants really aren't 5,000 square feet. But
we do have some really good companies that have come through there, really
great companies who graduated and are still continuing to work, which
we do stay in touch with them. Some of those owners may have exited
(06:23):
Yeah, successes for you are businesses that outgrow the
Yeah, exactly. And so we do a little bit of shared services.
Those are dying needs in today's world because technology
is there. But we do offer virtual offices and
mailbox services for companies. So we have probably about
(06:44):
15 of those companies. So we try to put resources around
them to get them to coming into a space. And
so we work with companies and even help them find space when it's time
for them to move out. No need in letting them try
to do these things on their own. We have these networks. So
we are open 24 hours with security so you can get
(07:06):
in and out. We offer free parking. Which is a
And you're five minutes walking into downtown. So you save
on parking costs. And so, and you got
Yeah. There's a little exercise facility in there. We have a shared kitchen and
we offer those services, uh, coffee and tea and things
(07:29):
free. Uh, we do some networking events, um,
uh, in the past, uh, after the pandemic, you know,
a little, people are still a little nervous about being
around large crowds, but we do offer those types of
So, um, Give our viewers
and listeners kind of an idea of some of the types of businesses that
(07:53):
Sure. So we have companies that range in these types
of industry sector from health and human services. Some
of them are our best fit companies. We have a lot of, you know, we focus
in on our entrepreneurial training in the construction industry, which we
say is built environment. We have about four or five of our
companies that have really are very successful. They're
(08:15):
located in the building. We have technology companies in the building, consulting
firms, insurance companies. We try
to put in accounting firms, HR firms. What
we tried to do is really focus on the needs of
So they have some of their, let's say, potential partners or
(08:37):
So it's easy, we have people who do notary services as well. So
for a small business it's really hard, but now you know there's like two or
three people in the building that do notary services. We have accounting firms
that you could just, it's easy, you know who
they are, so you build that trust along who they are. insurance companies,
HR firms. So it's a great
(09:00):
And you guys obviously, you know, from a rental perspective, try to be affordable.
Yes, yes, yes. We have requirements because we took
so certain funding, we must be below
market rate rents. So we don't charge with the downtown rates.
We're probably less than some of the other co-working spaces as
well. But again, our goal is to really not
(09:23):
take money out of the pocket of the entrepreneur, but make sure that
they can put that back into the business needs that they need. So
our goal is to make you grow, and then being able to become that
successful organization. Do you have any space available right now?
I think we have maybe two spaces, believe it or not, in this
(09:44):
Exactly. So what we're trying to do now is find,
we have like a couple of little small offices, but we're going
to be using those with some of our partners to hopefully locate there,
which will help elevate not only the access to the tenants,
but also as a partner with RCI to take us to another level as
All right, excellent. So that's kind of a good background on
(10:06):
the physical plant and what's available to people from a physical business
location perspective. Now, I know you got RCI
has got their hands in all kinds of things in terms of
training and resources for small business. So let's talk about
that side of it. What are I mean, there's some kind of ongoing programs
(10:27):
Yes. So on the ongoing programs, one of our signature program
is our BizFit Entrepreneurial Training Program, which is a three-tiered
system that we have. When we reached out to some
of the primes, when we looked at it in the construction space,
the goal was to find out why minority
construction firms weren't being included on larger projects.
(10:50):
And from my point, I thought it was going to be their skills. And I
thought, we can't teach people how to swing hammers or do all that. But
when we reached out to some of the partners, that
helped with the training, it was all back office. And I thought, wow,
we could do this. So I think this might have been one of the first times
in the construction industry where an organization asked
(11:12):
the contractors and primes to give us the curriculum and
help us work on the curriculum because you knew where
the gaps were. So we realized it should be a three-tiered
system, and I always refer to it as almost
like education. When you go, tier three is
our bottom tier, which let's relate that to elementary school.
(11:33):
In elementary school, you learn your ABCs and numerals and how
to add. That's the basic business plan. And then
once you put that business plan together, we say, are you still
interested in really focusing on your business? So in tier two,
which is like middle school, you just get enhanced what you
learned in elementary school and middle school. And that's what we do. We take a deep
(11:53):
dive into that business plan where every one of the primes in
this region help us teach those courses over
a four month period. And so now you're getting to
a better focus. And in the construction industry, a
lot of times diverse businesses or small business always say,
I'm a general contractor. Are you really a general contractor? Not
(12:14):
really. So our focus is, how do we make you the best at
the trade that you're best at? So we try to make you refocus to
become an electrician, to become a roofer, to become an HVAC, carpenter.
concrete specialist. And that's how you are
able to grow your business because technically you're not a general contractor. Generals
are the big companies that are out there, the big primes. They have departments. You
(12:38):
and two or three other individuals that have that on the side of your truck. We
try to make you focus in. And now, when
you get done with that, we partner with the University of Pittsburgh's SBDC,
the Institute for Entrepreneurial Excellence. And then we do
a Power to Prosper program where
it's focused in on construction. So they then take your
(13:00):
business plan, rip it apart, help you map out to get to a million
dollars in revenues. That's a top tier one.
And that's really like high school. High school is preparing you for life. What are you going
to do? So now we have that curriculum and
we collectively both work together to get those companies to
reach that million dollar mark. And then we noticed lately,
(13:21):
several of them have surpassed a million dollars. So what's
next for that? So we decided in some research, let's
create a new program called REEF, and that acronym is
RCI's Equitable Entrepreneurship Facility. which
is two components. We take a deep analysis of
those top companies. So right now we serve about 2,000 businesses
(13:43):
throughout the region, and that number continues to grow. However, we
want to say out of those 2,000, which of these firms, through
these assessments, and those as owners want to
become job creators in the region? And now we are designing a
new program and curriculum in partnership with the Master Builders
Association, Turner Construction, Masera Corporation. So
(14:05):
really getting in the weeds. Right. And really taking analysis and
saying, here's these gaps. We know in the construction industry
to really grow your business to the next level, you
got to become a signatory to your trade. And so that's why
we have the unions. And what are those things you need to have in place to
become that? For instance, the
(14:26):
unions, you find somebody in the apprentice program. So sometimes the
workers come through and they have better skill sets. And
so that's really how you're able to grow, become a trade, a
signatory to the trade. And then after that, how
else can we help you with financing needs? Now, another
way to grow your business is through business acquisition. So
(14:49):
with this reef, the facilities piece is to create a
new type of inflexible fund where we can put
lending opportunities and help you with equity investments to
purchase a business that might not have
a succession plan. And that way you can bring on back office
support, additional workers, do those types of acquisitions. So it's kind of a second stage
(15:09):
growth program. Yes, exactly. And then get them to that next level. And how
do we partner with lenders in the region so that we can build
these organizations, these companies, to get to
that next level. And there's things you've got to have in place in the unions. You
have to have a major line of credit, at least $250,000 to $300,000 or more.
For bonding purposes. For bonding purposes
(15:30):
and for payroll purposes. Now, one of our firms
at Macero Corporation, Joe Macero mentioned to me at
once, that they have to have buckets of financing and he
gave me an example why. So we incorporate this in our
curriculum to tell if you're on a project and say it
starts June 1st, you start. you submit
(15:51):
your invoices at the end of June. You give it to the
developer and it may take them 30 days. A lot of payrolls
And you may not get paid till August. So you're still waiting to get paid from June.
So you need payroll. And if you're in a union, you got to pay those
fees for the benefits and everything else. There's a lot in between. And
so you need to have that. So we try to make people educated before
(16:14):
you make that leap into that. However, if you do make that
leap, you can then be somebody
that's great at the trades and be the best that with who you can be at that
trade. So when is when is this new higher tier program
going to roll out? We actually started working on
it now, but we're in the process now of putting the pools of funds.
(16:34):
So we've identified 10 companies right now that
we're working with doing an analysis. We
have a partner, 17th Asset Management. They're out in New
Jersey. And so they're helping us look at the assessments
of the financials and identifying projects. The key
piece for this is what projects can we help you with
(16:54):
the actual funding? So we know what the projects are
going to be and we help them get to that next level. So
it's not that we're raising the money, putting the money into the company and
They already have the contract opportunities put in place. to
help them get to that next level. So we have about
(17:16):
60 companies we've identified today in our pipeline to
being able to do this, but it's not going to be all 60 at once. So
you're not going to have all those things. So we've been working with
other individuals that we've been finding out how
do we build a very true mentoring protege program. Trying
to work with some of the midsize to the big size primes to
(17:38):
come in because at this point, that our entrepreneurs are
going to have other questions that we can't answer. And so
if you have that mentoring protege, you can be able to do that. So
we're hoping that the Master Builders Association and the other primes
can help and jump on board with that, along with some individuals
who set up great mentoring protege programs who
(18:03):
So how many, BizFit's been around now for how long? Ah,
since 2015. Okay. Just ballpark,
how many people have gone through, companies have gone through the program? That's where the
We get at one point in one height, we had almost 400 people
registering throughout the year. We were graduating like 60 people
in different tiers in its height. We're back down to
(18:26):
the normal numbers, a little bit around 100 a year we're
getting people. And then they just go through, but some fall off because some,
I hate using this term, but a side hustle. That's all some
companies want is that better knowledge of being able
to run a side hustle. Then some are coming on and they
say, oh, we have two or three employees that we're trying to. So those are
(18:48):
the firms we want to elevate to that next level.
So we have served over close to 2,000 businesses since
So, obviously, heavy construction focus in BizFit, which
is, you know, a big gap. In general,
for small businesses in general or minority businesses, which
is a heavy focus for RCI, what other types of training
(19:12):
We actually do two components. One of our funders came and said, you're
doing that well under construction. Can you do this for non-construction products
and services? Again, we do partner with Pitt and we do have
another tier one that's just on products
and service side. So, we do have a tier two. They split
after tier three and we do two sessions on
(19:32):
tier two, one construction, non-construction, and the same thing for tier one.
So we have great caterers who have come through. We have cleaning
companies, some are on the construction side, post-cleaning and
those types, but we have regular cleaning companies. We have people who
make clothing, food trucks, and
some of those. We have people that do products and services. A young
(19:54):
lady who just graduated, she does very unique.
She makes posters of very iconic features and
scenic things in Pittsburgh to sell to corporations to
put in their lobbies. We have photography firms. So people
come through on that side as well. Now, on that goal is
how do we put some of those companies back as Main Street
(20:16):
businesses in the region? You know, Main Street
is the backbone of the country and job creators. But
when you look in our region, Some of the disinvestment that
happened in some of our targeted communities, the main street buildings are
vacant. There's a big push for energy and
data centers, but when you look at the entire ecosystem, affordable
(20:38):
housing needs to be in place. Corner stores, how
do we make sure that people have access to stores and
the things you need in the community, hence why we use
the term built environment. That encompasses a lot of
So you mentioned partnerships. So who are some of the
kind of the primary partners that you work with in delivering any
(21:03):
One of our key partners is the University
of Pittsburgh, the IEE. We partner with the Neighborhood Community Development
Fund and Progress Fund as well. when we need. We
partner with the city, the Allegheny County's Economic Development, the
Urban Redevelopment Authority, those are on those sides. But we also
partner again with the Master Builders Association, all the
(21:24):
major primes that we're able to utilize. Some
of the other smaller ones that we work with, we work with Catapult Pittsburgh, where
they do food. So we try to make sure some of our companies that
are on food, we push them over to them because they do have shared kitchen
services. That's something we don't offer, but we try to
(21:46):
Yes, yes, exactly. And we do that connection. In fact, I
have a company right now that's interested in doing some things in exporting. And
so we want to work with the U.S. Trade Commission when they're ready to
So what's the
future look like for RCI?
(22:07):
Then we're going to talk about, you know, a short term and
shorter term an event you have coming up. Yeah. And then, you know, get
So when we look at where are the where the
gaps are in the ecosystem. So I'm always looking at that, looking at
what's happening in other parts of the country. and how they address
what are these ecosystem gaps. And so that's what we
(22:27):
started saying, we need to align ourselves with mission alike, maybe
some national organization. One was in town years
ago who really we had a good chance to work
with and meet some of the smaller partners that
we work with, some of the ones I already mentioned, and it's called Forward Cities.
Their new president is someone from
(22:48):
Pittsburgh that I work closely with as well when we designed BizFit,
Dr. Diamante Walker, who runs that now. They're out
of dorm. And how do I build upon that relationship to
understand some of the best practices that they have? We're going
to be making an announcement in October. I can't give it
away yet. October 13th and 14th, I believe, are
(23:09):
the days. It's that Tuesday and Wednesday. And
we're working closely with another national partner
to come to the region that's going to be affiliated with Reef. well
so be ready to be invited to that event and
so as we're seeing how do we take these companies either
bring them into Pittsburgh and potentially how
(23:31):
does RCI begin maybe thinking about expanding into
smaller urban
So the gist I'm getting is back when I started working with with RCI
in the early days, you guys did a lot with small startups and
you still do that. But you basically cover the entire assistance
(23:54):
Yes, we call you our RCI family. So
when you're in, you're in our family and we don't let you go because you just
never know. We had a meeting earlier today and I said, Some
of the companies that had graduated years ago just reached out to me. We
offer OSHA 1030 training, so they're getting their employees trained.
Now we understand in the construction, estimating building and blueprint
(24:17):
reading is difficult. So we have partners and
now we run that as a specific series. One of the other programs
that we run, which is called the National
Yeah, exactly. So we offer that.
We have five landscaping companies coming in to understand this
(24:39):
is a really high in certification, which can
be competitive for them. Because when we're talking
about capturing stormwater and how do you build those different
types of things. So, you know, it's been raining a lot here in Pittsburgh and roads
flood, but how do you encompass those techniques
along roads so we can capture the stormwater to keep some
(25:00):
of it from hitting our recreational rivers and is being
refiltered back into the sites. So that's a program that
we're running as well. And
you know we do a lot with the EPA I didn't even bring that up.
We actually are a small company size
staff we are seven. We are EPA's region
(25:21):
three largest recipient of brownfield funds. We
probably received, I think the number's about almost $9 million,
and we've leveraged probably more than a half a billion, more
than close to a billion dollars in development projects. We
go into communities, in our
target communities to say, in many community meetings we
(25:43):
go to, and making sure there's a community plan to bring in
those first phase ones, environmental, Because most
of the time, developers have to come out of that money
out of their pocket. We have this program, we work with the developers to
jumpstart economic development. And at the same time, they usually
I was going to say, and then, you know, when they develop the project, they're looking for
(26:07):
Exactly. And so it's a good little ecosystem piece
that we have as a part of that component. One
of our projects at the National Convention is in Chicago next
week, which we attend. Two years ago, it
was in Detroit, and I was asked to present one of our projects for
Region EPA 23, and
(26:28):
we were selected as the 23 People's Choice Award for EPA
Region 3. for the project we did in the Hill District with the Hill
CDC, the new Granada Square Apartments. And so,
you know, it's a lot of times we go into these communities, community buildings, building
trusts, because you have to do that as well. And so
those are our current things. But then how do we take these models? No
(26:50):
need to keep it in my head or anything. How do you take these models
and move it to other communities that
could participate in being able to help address some of these ecosystem
So with all those great things happening, we have a very challenging
political landscape for nonprofits right now. And
(27:11):
some traditional funding sources for some
of the types of things you do are are being strained. So
you guys are doing your, your first or inaugural fundraiser
Yes. Uh, you know, I sit on many boards and help them do
all kinds of events. So now we have our first, uh, inaugural fundraiser
called black Jacks and blue jeans. Um, we were sitting around
(27:34):
with the team trying to figure out what do we want to do? And I was like, I don't want to do a
golf on it. I want to do a gala. Everyone does that. Let's think
of something new and unique and say, why don't we do something like
Black Jacks and Blue Jeans? Let's take the corporate America and
our sponsors who we're looking to and being able to intentionally match
our companies at an event that's fun. And
(27:55):
so some of the team that we have together and
they're like, You know, we do hear that from a lot of people. We don't want
And you can do business and have fun at the same time. And so on
Friday, September 12th, we're having our first fundraiser,
Black Jacks and Blue Jeans at Nova Place. Pharos is
(28:18):
one of our partners as well. And we operate a space in
their CoLab 18. And I have been there for other
events there. So I think the facility is going to be Really
a great place for this event. So we're going to have a live band,
music, things from that theme, games, live
games, great auction prizes and prizes you will win with
(28:39):
tickets. Not cash, but
tickets and free drinks and food and everything we touch is
probably going to be close to about 98% of the companies we work
with. So we want to showcase our company for the caterers, even
from the people who are cleaning, the people who are helping me work on
this event. Printing, we're going to talk to the people that we know that
(29:07):
And the bank we got. Oh, yeah. You guys are a sponsor. Thank
Yeah. And, you know, as I mentioned early on, we've we've had a,
you know, between the bank and RCI, you know, 20 plus
year relationship. Yes. And, you know,
once been you've been great to us in terms of referring small
(29:28):
businesses looking for capital. And with
some of the contract financing and some of the unique types of financing we
do, it kind of fits real well with what you guys do. But most
importantly, before we break up here, how
do entrepreneurs, small business owners, get
in touch with RCI, learn about whether they want to get involved with
(29:50):
BizFit or some of the specialty programs. How
So we have our website is RiversideCenterForInnovation.com. And
so on the first page, if you're a small business up in the right hand corner,
it says registration. So when you register, you register right
into our CRM. So we're going to capture some early data so
(30:10):
we can help track your business. It might be a long information
session, but again, it helps.
Yeah, exactly. So and then someone on our team will reach back out to you to
find out exactly where your needs are. So we can say, this is
what we offer, and these are the people that we can connect you to as you're
starting to work. Sometimes they don't fit for us, so we do
(30:30):
actually send them to- Refer out. Yeah, we refer them out. But for the
most part, a lot of people do stay with us. They
do start with our programs and they continue to be clients
of ours. As I'm getting older and forgetful,
I don't remember everybody. And it's just really nice when I
go to somewhere, an event, I was in a grocery store once
(30:52):
and the lines were long and I heard someone scream, is that one Gary?
Is that one Gary from BizFit? And so it
is really nice to see that these companies are still out and
they still know and they know that they can always depend on us. So we
have QR codes, you can reach us by internet. Our
phone number is 412-322-3523. three, just
(31:14):
go through and click. We want to update. We're
telling companies in today's world, embrace AI. So
we're learning more about AI, and we need to utilize that ourselves for
some of the gaps we have in staff. And we've
got to be able to trust AI. And with some guidelines and boundaries and
safeguards you've got to have in place. But we need to utilize AI
(31:36):
when I'm telling companies, you should embrace it, so I better start
embracing it myself. So we can answer questions if
And as far as potential businesses that are interested
in space in the incubator, they can access that through the
And the fundraiser, actually, if you go on that website, the very first page that
(31:57):
pops up, you'll see the fundraiser logo. So you can click on
there, get tickets. We're still looking for sponsors. We'll be
reaching out to everybody. We're looking for that to be a really
fun time. And just come and relax. Sometimes,
you know, we don't get the chance to do that and
not have that work-life balance. So we try to focus. There's
(32:17):
that life part that we want people to
So with all of our guests, we asked for some kind of
parting words of wisdom or advice. You've dealt with thousands
of entrepreneurs over you know, a couple of decades now, several
decades. What's your biggest nuggets of advice for
(32:37):
newer existing business owners and entrepreneurs? Sure.
You know, one of our creeds is practice safety first, but
I do want to just tell everybody, you know, it's a hard journey out here
and you're going to get told no many times, but
that doesn't mean that you should stop. Just learn to
be able to accept no and to continue on because one day it,
(33:01):
yes is going to be very good for you. And you
just have to persist. Exactly. You got to be persistent about it and don't
say no, but don't be a pest about it either. Just,
you know, just keep telling who yourself always go to networking events
and network outside your groups. Find
somebody new that you can network with because you just never know
(33:23):
It's a small world. It's a very small world. Once
again, great. Great organization, great
programs and services, great facility. Juan, thanks so much for
And thanks to Enterprise Bank for everything you've done for RCI over
For those of you that have any ideas for future
(33:46):
episodes for Inside the Vault or any questions about
the podcast series, you can email us at insidethevault at
enterprisebankpgh.com. You can check
us out on audio format on all the major podcast platforms
Welcome to Inside the Vault, Enterprise Bank's podcast series, where we talk
about items of interest to the small business community. With
me today is a longtime personal friend and a longtime friend
of Enterprise Bank, Juan Garrett, who is the executive director
of Riverside Center for Innovation. Juan, welcome to Inside the Vault. Welcome,
Sure, sure. So before we start talking
(00:28):
about Riverside Center, for our viewers and listeners' benefits, I'm
going to refer a lot to RCI, which is It's a lot easier to
mention on the fly than the full name. But before we
start talking about RCI, Juan, can you give
us a little bit of your background and your involvement with
I'm the executive director here at Riverside Center for Innovation, as Dave said,
(00:51):
RCI. I'm actually born and raised here
in Pittsburgh. Actually, the city of McKeesport still live there. I
went to Robert Morris University for accounting. I started
off in nonprofit for a community development company in
Homewood is actually before I moved over to actually
our legal name is Northside Industrial Development Company before I
(01:12):
moved over to there. So I've been there since 1991. And it really
worked my way up through the ladder from an accounting to the executive director's position
Yeah. And we were we were talking offline. You and I have known each other from
my days at the SBA and a prior life when you first became involved
with RCI since the early 90s. But you've been executive director
(01:33):
now for how long? Since 2016, I became the executive director.
And as you said, in those early days, we won a business information
center when we started at the SBA. So that's really
Right, right. So let's let's kind of dig in. So give
us a little bit of history of Northside Industrial and
(01:58):
So Northside Industrial Development was established in 1983, and
it was the community development for real estate development in the
city's north side. So in those
early days, it was the development group. We did housing development,
commercial development, worked in the neighborhoods, participated
in neighborhood community meetings. We were
(02:20):
one of those leading organizations in the 90s.
There was about five organizations throughout the city that
received funding to do development in those areas. The
reason we were hired, because our organization took on some really aggressive
development projects, and they, at the, I
guess, in the 1980s, things started happening
(02:44):
nationally, so some of those projects began to falter. So
we had this building, Riverside, and that
was one of the first buildings that was on the list that we said we should
probably not continue to do it, but it was under construction. It
stayed in and we did a work real estate workout for all the other
projects. And then next thing you know, we looked up at the late 90s
(03:06):
and said, wait, we got this incubator here and we get these startup
companies. And next thing you know, some of them are really booming and
starting to do. So we really did a focus in
a think tank with one of our companies and refocused and
rebranded to Riverside Center for Innovation. And let's just focus
on small and diverse businesses to get help.
(03:28):
Because at that time technology was real big and everybody was focusing
in on tech companies, but who was really here to help those mainstream businesses?
So that was the role that we played and we continue to play today. So
you guys kind of started out focused on kind of the north side neighborhood, but
Yes, we're a regional resource, mainly because of that business information center,
(03:49):
because they were responsible for Western Pennsylvania. So
we had to go back to our board to change our area and
our scope to say Western Pennsylvania. However, we really
don't do all the Western Pennsylvania, but we do at least Southwestern Pennsylvania,
the 10 counties, five counties surrounding regions where we have partners
in those regions that we are able to work with. We
(04:12):
don't, we like to collaborate a lot more so than trying
Right. So how is, how is RCI governed? I'm assuming
Yes, we're a nonprofit. We have a 12 member board today,
which I could probably bring on two additional board members. But
we are a non-profit, 501C3, and
(04:32):
we do have a 12-member board. We have seven staff members. They're
a great team that we have, and we can't do this alone, but
we also have probably about 60 resource partners
we work with throughout our organization.
We're working not in silos, because
we can't do all of this and have the success we can by ourselves. We
(04:55):
pride ourselves on really finding other partners and we have a
saying that we like to add a spoke to that will to make
That's cool. Yeah. That's a cool analogy. So
I always kind of looked at Riverside Center as kind of like two
primary, let's say, resources.
(05:17):
One is the building itself. Yes. And you guys, before co-working
and incubators became buzzwords,
you guys were in that early on. And then the second focus
of RCI is, you know, resources for entrepreneurs
and small business owners. So let's start with the building. So tell
(05:38):
us about the facility and what you guys offer in terms of
Sure, so that building, thanks to actually how we
met Enterprise Bank, is now debt free, but really worked
really closely with you all to bring on, so we could focus
in on working with the entrepreneurs. Today we have about 45 smarts
in our business building, and they range from office sizes from
(06:00):
anywhere from like 150 square feet to
almost 5,000 square feet. Those are our anchor tenants. However,
anchor tenants really aren't 5,000 square feet. But
we do have some really good companies that have come through there, really
great companies who graduated and are still continuing to work, which
we do stay in touch with them. Some of those owners may have exited
(06:23):
Yeah, successes for you are businesses that outgrow the
Yeah, exactly. And so we do a little bit of shared services.
Those are dying needs in today's world because technology
is there. But we do offer virtual offices and
mailbox services for companies. So we have probably about
(06:44):
15 of those companies. So we try to put resources around
them to get them to coming into a space. And
so we work with companies and even help them find space when it's time
for them to move out. No need in letting them try
to do these things on their own. We have these networks. So
we are open 24 hours with security so you can get
(07:06):
in and out. We offer free parking. Which is a
And you're five minutes walking into downtown. So you save
on parking costs. And so, and you got
Yeah. There's a little exercise facility in there. We have a shared kitchen and
we offer those services, uh, coffee and tea and things
(07:29):
free. Uh, we do some networking events, um,
uh, in the past, uh, after the pandemic, you know,
a little, people are still a little nervous about being
around large crowds, but we do offer those types of
So, um, Give our viewers
and listeners kind of an idea of some of the types of businesses that
(07:53):
Sure. So we have companies that range in these types
of industry sector from health and human services. Some
of them are our best fit companies. We have a lot of, you know, we focus
in on our entrepreneurial training in the construction industry, which we
say is built environment. We have about four or five of our
companies that have really are very successful. They're
(08:15):
located in the building. We have technology companies in the building, consulting
firms, insurance companies. We try
to put in accounting firms, HR firms. What
we tried to do is really focus on the needs of
So they have some of their, let's say, potential partners or
(08:37):
So it's easy, we have people who do notary services as well. So
for a small business it's really hard, but now you know there's like two or
three people in the building that do notary services. We have accounting firms
that you could just, it's easy, you know who
they are, so you build that trust along who they are. insurance companies,
HR firms. So it's a great
(09:00):
And you guys obviously, you know, from a rental perspective, try to be affordable.
Yes, yes, yes. We have requirements because we took
so certain funding, we must be below
market rate rents. So we don't charge with the downtown rates.
We're probably less than some of the other co-working spaces as
well. But again, our goal is to really not
(09:23):
take money out of the pocket of the entrepreneur, but make sure that
they can put that back into the business needs that they need. So
our goal is to make you grow, and then being able to become that
successful organization. Do you have any space available right now?
I think we have maybe two spaces, believe it or not, in this
(09:44):
Exactly. So what we're trying to do now is find,
we have like a couple of little small offices, but we're going
to be using those with some of our partners to hopefully locate there,
which will help elevate not only the access to the tenants,
but also as a partner with RCI to take us to another level as
All right, excellent. So that's kind of a good background on
(10:06):
the physical plant and what's available to people from a physical business
location perspective. Now, I know you got RCI
has got their hands in all kinds of things in terms of
training and resources for small business. So let's talk about
that side of it. What are I mean, there's some kind of ongoing programs
(10:27):
Yes. So on the ongoing programs, one of our signature program
is our BizFit Entrepreneurial Training Program, which is a three-tiered
system that we have. When we reached out to some
of the primes, when we looked at it in the construction space,
the goal was to find out why minority
construction firms weren't being included on larger projects.
(10:50):
And from my point, I thought it was going to be their skills. And I
thought, we can't teach people how to swing hammers or do all that. But
when we reached out to some of the partners, that
helped with the training, it was all back office. And I thought, wow,
we could do this. So I think this might have been one of the first times
in the construction industry where an organization asked
(11:12):
the contractors and primes to give us the curriculum and
help us work on the curriculum because you knew where
the gaps were. So we realized it should be a three-tiered
system, and I always refer to it as almost
like education. When you go, tier three is
our bottom tier, which let's relate that to elementary school.
(11:33):
In elementary school, you learn your ABCs and numerals and how
to add. That's the basic business plan. And then
once you put that business plan together, we say, are you still
interested in really focusing on your business? So in tier two,
which is like middle school, you just get enhanced what you
learned in elementary school and middle school. And that's what we do. We take a deep
(11:53):
dive into that business plan where every one of the primes in
this region help us teach those courses over
a four month period. And so now you're getting to
a better focus. And in the construction industry, a
lot of times diverse businesses or small business always say,
I'm a general contractor. Are you really a general contractor? Not
(12:14):
really. So our focus is, how do we make you the best at
the trade that you're best at? So we try to make you refocus to
become an electrician, to become a roofer, to become an HVAC, carpenter.
concrete specialist. And that's how you are
able to grow your business because technically you're not a general contractor. Generals
are the big companies that are out there, the big primes. They have departments. You
(12:38):
and two or three other individuals that have that on the side of your truck. We
try to make you focus in. And now, when
you get done with that, we partner with the University of Pittsburgh's SBDC,
the Institute for Entrepreneurial Excellence. And then we do
a Power to Prosper program where
it's focused in on construction. So they then take your
(13:00):
business plan, rip it apart, help you map out to get to a million
dollars in revenues. That's a top tier one.
And that's really like high school. High school is preparing you for life. What are you going
to do? So now we have that curriculum and
we collectively both work together to get those companies to
reach that million dollar mark. And then we noticed lately,
(13:21):
several of them have surpassed a million dollars. So what's
next for that? So we decided in some research, let's
create a new program called REEF, and that acronym is
RCI's Equitable Entrepreneurship Facility. which
is two components. We take a deep analysis of
those top companies. So right now we serve about 2,000 businesses
(13:43):
throughout the region, and that number continues to grow. However, we
want to say out of those 2,000, which of these firms, through
these assessments, and those as owners want to
become job creators in the region? And now we are designing a
new program and curriculum in partnership with the Master Builders
Association, Turner Construction, Masera Corporation. So
(14:05):
really getting in the weeds. Right. And really taking analysis and
saying, here's these gaps. We know in the construction industry
to really grow your business to the next level, you
got to become a signatory to your trade. And so that's why
we have the unions. And what are those things you need to have in place to
become that? For instance, the
(14:26):
unions, you find somebody in the apprentice program. So sometimes the
workers come through and they have better skill sets. And
so that's really how you're able to grow, become a trade, a
signatory to the trade. And then after that, how
else can we help you with financing needs? Now, another
way to grow your business is through business acquisition. So
(14:49):
with this reef, the facilities piece is to create a
new type of inflexible fund where we can put
lending opportunities and help you with equity investments to
purchase a business that might not have
a succession plan. And that way you can bring on back office
support, additional workers, do those types of acquisitions. So it's kind of a second stage
(15:09):
growth program. Yes, exactly. And then get them to that next level. And how
do we partner with lenders in the region so that we can build
these organizations, these companies, to get to
that next level. And there's things you've got to have in place in the unions. You
have to have a major line of credit, at least $250,000 to $300,000 or more.
For bonding purposes. For bonding purposes
(15:30):
and for payroll purposes. Now, one of our firms
at Macero Corporation, Joe Macero mentioned to me at
once, that they have to have buckets of financing and he
gave me an example why. So we incorporate this in our
curriculum to tell if you're on a project and say it
starts June 1st, you start. you submit
(15:51):
your invoices at the end of June. You give it to the
developer and it may take them 30 days. A lot of payrolls
And you may not get paid till August. So you're still waiting to get paid from June.
So you need payroll. And if you're in a union, you got to pay those
fees for the benefits and everything else. There's a lot in between. And
so you need to have that. So we try to make people educated before
(16:14):
you make that leap into that. However, if you do make that
leap, you can then be somebody
that's great at the trades and be the best that with who you can be at that
trade. So when is when is this new higher tier program
going to roll out? We actually started working on
it now, but we're in the process now of putting the pools of funds.
(16:34):
So we've identified 10 companies right now that
we're working with doing an analysis. We
have a partner, 17th Asset Management. They're out in New
Jersey. And so they're helping us look at the assessments
of the financials and identifying projects. The key
piece for this is what projects can we help you with
(16:54):
the actual funding? So we know what the projects are
going to be and we help them get to that next level. So
it's not that we're raising the money, putting the money into the company and
They already have the contract opportunities put in place. to
help them get to that next level. So we have about
(17:16):
60 companies we've identified today in our pipeline to
being able to do this, but it's not going to be all 60 at once. So
you're not going to have all those things. So we've been working with
other individuals that we've been finding out how
do we build a very true mentoring protege program. Trying
to work with some of the midsize to the big size primes to
(17:38):
come in because at this point, that our entrepreneurs are
going to have other questions that we can't answer. And so
if you have that mentoring protege, you can be able to do that. So
we're hoping that the Master Builders Association and the other primes
can help and jump on board with that, along with some individuals
who set up great mentoring protege programs who
(18:03):
So how many, BizFit's been around now for how long? Ah,
since 2015. Okay. Just ballpark,
how many people have gone through, companies have gone through the program? That's where the
We get at one point in one height, we had almost 400 people
registering throughout the year. We were graduating like 60 people
in different tiers in its height. We're back down to
(18:26):
the normal numbers, a little bit around 100 a year we're
getting people. And then they just go through, but some fall off because some,
I hate using this term, but a side hustle. That's all some
companies want is that better knowledge of being able
to run a side hustle. Then some are coming on and they
say, oh, we have two or three employees that we're trying to. So those are
(18:48):
the firms we want to elevate to that next level.
So we have served over close to 2,000 businesses since
So, obviously, heavy construction focus in BizFit, which
is, you know, a big gap. In general,
for small businesses in general or minority businesses, which
is a heavy focus for RCI, what other types of training
(19:12):
We actually do two components. One of our funders came and said, you're
doing that well under construction. Can you do this for non-construction products
and services? Again, we do partner with Pitt and we do have
another tier one that's just on products
and service side. So, we do have a tier two. They split
after tier three and we do two sessions on
(19:32):
tier two, one construction, non-construction, and the same thing for tier one.
So we have great caterers who have come through. We have cleaning
companies, some are on the construction side, post-cleaning and
those types, but we have regular cleaning companies. We have people who
make clothing, food trucks, and
some of those. We have people that do products and services. A young
(19:54):
lady who just graduated, she does very unique.
She makes posters of very iconic features and
scenic things in Pittsburgh to sell to corporations to
put in their lobbies. We have photography firms. So people
come through on that side as well. Now, on that goal is
how do we put some of those companies back as Main Street
(20:16):
businesses in the region? You know, Main Street
is the backbone of the country and job creators. But
when you look in our region, Some of the disinvestment that
happened in some of our targeted communities, the main street buildings are
vacant. There's a big push for energy and
data centers, but when you look at the entire ecosystem, affordable
(20:38):
housing needs to be in place. Corner stores, how
do we make sure that people have access to stores and
the things you need in the community, hence why we use
the term built environment. That encompasses a lot of
So you mentioned partnerships. So who are some of the
kind of the primary partners that you work with in delivering any
(21:03):
One of our key partners is the University
of Pittsburgh, the IEE. We partner with the Neighborhood Community Development
Fund and Progress Fund as well. when we need. We
partner with the city, the Allegheny County's Economic Development, the
Urban Redevelopment Authority, those are on those sides. But we also
partner again with the Master Builders Association, all the
(21:24):
major primes that we're able to utilize. Some
of the other smaller ones that we work with, we work with Catapult Pittsburgh, where
they do food. So we try to make sure some of our companies that
are on food, we push them over to them because they do have shared kitchen
services. That's something we don't offer, but we try to
(21:46):
Yes, yes, exactly. And we do that connection. In fact, I
have a company right now that's interested in doing some things in exporting. And
so we want to work with the U.S. Trade Commission when they're ready to
So what's the
future look like for RCI?
(22:07):
Then we're going to talk about, you know, a short term and
shorter term an event you have coming up. Yeah. And then, you know, get
So when we look at where are the where the
gaps are in the ecosystem. So I'm always looking at that, looking at
what's happening in other parts of the country. and how they address
what are these ecosystem gaps. And so that's what we
(22:27):
started saying, we need to align ourselves with mission alike, maybe
some national organization. One was in town years
ago who really we had a good chance to work
with and meet some of the smaller partners that
we work with, some of the ones I already mentioned, and it's called Forward Cities.
Their new president is someone from
(22:48):
Pittsburgh that I work closely with as well when we designed BizFit,
Dr. Diamante Walker, who runs that now. They're out
of dorm. And how do I build upon that relationship to
understand some of the best practices that they have? We're going
to be making an announcement in October. I can't give it
away yet. October 13th and 14th, I believe, are
(23:09):
the days. It's that Tuesday and Wednesday. And
we're working closely with another national partner
to come to the region that's going to be affiliated with Reef. well
so be ready to be invited to that event and
so as we're seeing how do we take these companies either
bring them into Pittsburgh and potentially how
(23:31):
does RCI begin maybe thinking about expanding into
smaller urban
So the gist I'm getting is back when I started working with with RCI
in the early days, you guys did a lot with small startups and
you still do that. But you basically cover the entire assistance
(23:54):
Yes, we call you our RCI family. So
when you're in, you're in our family and we don't let you go because you just
never know. We had a meeting earlier today and I said, Some
of the companies that had graduated years ago just reached out to me. We
offer OSHA 1030 training, so they're getting their employees trained.
Now we understand in the construction, estimating building and blueprint
(24:17):
reading is difficult. So we have partners and
now we run that as a specific series. One of the other programs
that we run, which is called the National
Yeah, exactly. So we offer that.
We have five landscaping companies coming in to understand this
(24:39):
is a really high in certification, which can
be competitive for them. Because when we're talking
about capturing stormwater and how do you build those different
types of things. So, you know, it's been raining a lot here in Pittsburgh and roads
flood, but how do you encompass those techniques
along roads so we can capture the stormwater to keep some
(25:00):
of it from hitting our recreational rivers and is being
refiltered back into the sites. So that's a program that
we're running as well. And
you know we do a lot with the EPA I didn't even bring that up.
We actually are a small company size
staff we are seven. We are EPA's region
(25:21):
three largest recipient of brownfield funds. We
probably received, I think the number's about almost $9 million,
and we've leveraged probably more than a half a billion, more
than close to a billion dollars in development projects. We
go into communities, in our
target communities to say, in many community meetings we
(25:43):
go to, and making sure there's a community plan to bring in
those first phase ones, environmental, Because most
of the time, developers have to come out of that money
out of their pocket. We have this program, we work with the developers to
jumpstart economic development. And at the same time, they usually
I was going to say, and then, you know, when they develop the project, they're looking for
(26:07):
Exactly. And so it's a good little ecosystem piece
that we have as a part of that component. One
of our projects at the National Convention is in Chicago next
week, which we attend. Two years ago, it
was in Detroit, and I was asked to present one of our projects for
Region EPA 23, and
(26:28):
we were selected as the 23 People's Choice Award for EPA
Region 3. for the project we did in the Hill District with the Hill
CDC, the new Granada Square Apartments. And so,
you know, it's a lot of times we go into these communities, community buildings, building
trusts, because you have to do that as well. And so
those are our current things. But then how do we take these models? No
(26:50):
need to keep it in my head or anything. How do you take these models
and move it to other communities that
could participate in being able to help address some of these ecosystem
So with all those great things happening, we have a very challenging
political landscape for nonprofits right now. And
(27:11):
some traditional funding sources for some
of the types of things you do are are being strained. So
you guys are doing your, your first or inaugural fundraiser
Yes. Uh, you know, I sit on many boards and help them do
all kinds of events. So now we have our first, uh, inaugural fundraiser
called black Jacks and blue jeans. Um, we were sitting around
(27:34):
with the team trying to figure out what do we want to do? And I was like, I don't want to do a
golf on it. I want to do a gala. Everyone does that. Let's think
of something new and unique and say, why don't we do something like
Black Jacks and Blue Jeans? Let's take the corporate America and
our sponsors who we're looking to and being able to intentionally match
our companies at an event that's fun. And
(27:55):
so some of the team that we have together and
they're like, You know, we do hear that from a lot of people. We don't want
And you can do business and have fun at the same time. And so on
Friday, September 12th, we're having our first fundraiser,
Black Jacks and Blue Jeans at Nova Place. Pharos is
(28:18):
one of our partners as well. And we operate a space in
their CoLab 18. And I have been there for other
events there. So I think the facility is going to be Really
a great place for this event. So we're going to have a live band,
music, things from that theme, games, live
games, great auction prizes and prizes you will win with
(28:39):
tickets. Not cash, but
tickets and free drinks and food and everything we touch is
probably going to be close to about 98% of the companies we work
with. So we want to showcase our company for the caterers, even
from the people who are cleaning, the people who are helping me work on
this event. Printing, we're going to talk to the people that we know that
(29:07):
And the bank we got. Oh, yeah. You guys are a sponsor. Thank
Yeah. And, you know, as I mentioned early on, we've we've had a,
you know, between the bank and RCI, you know, 20 plus
year relationship. Yes. And, you know,
once been you've been great to us in terms of referring small
(29:28):
businesses looking for capital. And with
some of the contract financing and some of the unique types of financing we
do, it kind of fits real well with what you guys do. But most
importantly, before we break up here, how
do entrepreneurs, small business owners, get
in touch with RCI, learn about whether they want to get involved with
(29:50):
BizFit or some of the specialty programs. How
So we have our website is RiversideCenterForInnovation.com. And
so on the first page, if you're a small business up in the right hand corner,
it says registration. So when you register, you register right
into our CRM. So we're going to capture some early data so
(30:10):
we can help track your business. It might be a long information
session, but again, it helps.
Yeah, exactly. So and then someone on our team will reach back out to you to
find out exactly where your needs are. So we can say, this is
what we offer, and these are the people that we can connect you to as you're
starting to work. Sometimes they don't fit for us, so we do
(30:30):
actually send them to- Refer out. Yeah, we refer them out. But for the
most part, a lot of people do stay with us. They
do start with our programs and they continue to be clients
of ours. As I'm getting older and forgetful,
I don't remember everybody. And it's just really nice when I
go to somewhere, an event, I was in a grocery store once
(30:52):
and the lines were long and I heard someone scream, is that one Gary?
Is that one Gary from BizFit? And so it
is really nice to see that these companies are still out and
they still know and they know that they can always depend on us. So we
have QR codes, you can reach us by internet. Our
phone number is 412-322-3523. three, just
(31:14):
go through and click. We want to update. We're
telling companies in today's world, embrace AI. So
we're learning more about AI, and we need to utilize that ourselves for
some of the gaps we have in staff. And we've
got to be able to trust AI. And with some guidelines and boundaries and
safeguards you've got to have in place. But we need to utilize AI
(31:36):
when I'm telling companies, you should embrace it, so I better start
embracing it myself. So we can answer questions if
And as far as potential businesses that are interested
in space in the incubator, they can access that through the
And the fundraiser, actually, if you go on that website, the very first page that
(31:57):
pops up, you'll see the fundraiser logo. So you can click on
there, get tickets. We're still looking for sponsors. We'll be
reaching out to everybody. We're looking for that to be a really
fun time. And just come and relax. Sometimes,
you know, we don't get the chance to do that and
not have that work-life balance. So we try to focus. There's
(32:17):
that life part that we want people to
So with all of our guests, we asked for some kind of
parting words of wisdom or advice. You've dealt with thousands
of entrepreneurs over you know, a couple of decades now, several
decades. What's your biggest nuggets of advice for
(32:37):
newer existing business owners and entrepreneurs? Sure.
You know, one of our creeds is practice safety first, but
I do want to just tell everybody, you know, it's a hard journey out here
and you're going to get told no many times, but
that doesn't mean that you should stop. Just learn to
be able to accept no and to continue on because one day it,
(33:01):
yes is going to be very good for you. And you
just have to persist. Exactly. You got to be persistent about it and don't
say no, but don't be a pest about it either. Just,
you know, just keep telling who yourself always go to networking events
and network outside your groups. Find
somebody new that you can network with because you just never know
(33:23):
It's a small world. It's a very small world. Once
again, great. Great organization, great
programs and services, great facility. Juan, thanks so much for
And thanks to Enterprise Bank for everything you've done for RCI over
For those of you that have any ideas for future
(33:46):
episodes for Inside the Vault or any questions about
the podcast series, you can email us at insidethevault at
enterprisebankpgh.com. You can check
us out on audio format on all the major podcast platforms
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