(801) 746-1180 success@umlf.com

About UMLF

Danielle holds a B.A. in Economics from the University of Puget Sound and an M.B.A. from Westminster College. Danielle has over 10 years’ experience in commercial lending, and over 15 years’ experience in working with micro-businesses and entrepreneurs. She held the position of Assistant Director of the UMLF, founded the Women’s Business Institute at Salt Lake Community College, and traveled to Mumbai, India to teach entrepreneurial skills to women living in poverty. In partnership with Synchrony Bank and Westminster College, Danielle has co-developed, created the curriculum for, and taught the Banking on Women™ course for the past six years.

Danielle Lower

Executive Director

Andi joined the UMLF in 1999 following several years of owning her own businesses and managing teams of her own employees. Andi has over 30 years of experience in Account Management. She works closely with UMLF borrowers building relationships, maintaining client accounts, and preparing marketing materials. She provides daily hands-on service to clients, both large and small, offering timely, creative solutions to meet their needs. In addition to her duties in Account Management, Andi is the Office Manager of the UMLF.

Andi Catmull

Accounts Manager

Emily holds a Bachelor’s degree from BYU and is currently enrolled in the Masters of Community Development Program at Westminster. Emily is an Adjunct Professor at the LDS Business College where she teaches Social Media, Digital Marketing, Sales and Business Development. She is also the founder of Camera Coats where she manages all aspects of running a small but successful business.

Emily Ashby

Social Media Training Consultant

Originally from Green River Wyoming, Maggie is currently a sophomore at Westminster College where she is working towards her B.Sc. in Finance and a minor in Political Science. Maggie’s spare time is spent volunteering at Westminster’s “Girl Up” program where she volunteers at local elementary schools and other education-focused events. She is also involved in fundraising to help girls in developing countries with their education.

Maggie Fischer

Finance Intern

Helping small businesses across the state of Utah

UMLF is a Community Development Financial Institution (CDFI)
About The UMLF

UMLF works in partnership with clients/borrowers.

About the UMLF

The Utah Microenterprise Loan Fund (UMLF) works in partnership with members of Utah’s financial banking community to help launch or expand small businesses across the state of Utah, and has helped almost 1,000 small businesses over the last 25 years.

The UMLF is a Community Development Financial Institution (CDFI) with a mission to provide funding and management assistance to Utah’s new and existing entrepreneurs who cannot access traditional sources of funding. The UMLF’s loans help people with low to moderate incomes create jobs (their own as well as others) and supplement earnings, build assets and build wealth. Examples of how UMLF loans have helped include: women finding the flexibility to balance work and families; minorities and immigrants securing economic security through ownership and operation of their own small businesses; and people who have been injured in the workplace restoring economic stability through their own small businesses.

Whether a small business is a sole source of income or a crucial supplement, UMLF loans help provide the necessary capital to put individuals and families on the road to greater self-sufficiency.

With total assets of $6+ million, the UMLF was born of a progressive idea in 1990 to provide financing to aspiring single-parent entrepreneurs and then incorporated as a nonprofit a couple of years later to benefit all aspiring small business owners. UMLF has a small team of engaged employees and volunteers that works hard to meet the demand of small business capital needs that often exceed the credit risk standards of traditional financial institutions.

Lending History

Lending History

Lending History

The UMLF has financed almost 1,000 loans for both start-ups and existing businesses looking to expand. These loans have allowed small business owners to create hundreds of new jobs, and this has injected over $15 million into the local economy. We believe that small business owners enrich our local economy, make vibrant, exciting neighborhoods, and give back to their communities.

Local First Utah has released a new analysis of a statewide study series by Civic Economics detailing the amount of revenue returned to the local economy by locally-owned, independent businesses. Collectively, studies implemented in Salt Lake City, Ogden, and Wayne County show that locally-owned retailers return 55.3% of their revenue to their respective economies. For comparison purposes, national chain retailers return just 13.6% of revenue. That means every dollar spent at a locally-owned, independent business returns more than four times more to the local economy than a dollar spent at a national chain retailer.



  • Annette Brooks, Chair – Zions Bank
  • Ryan Jones – Bank of American Fork
  • Roger Christensen, Vice Chair – Bank of Utah
  • Doug Lund – Bank of the West
  • Chris Cutshell, Treasurer – Synchrony Bank
  • Todd Jones – American Express Comm. Dev
  • Lori Fike – Washington Federal Bank
  • Mike Nestor – Ally Bank
  • Rex Falkenrath – Business Owner
  • Don Poulton – Medallion Bank
  • Somer Gardiner – Olive & Tweed
  • Hydee Willis – Creative Expressions
  • Ramez Halteh – Key Bank
  • Ex-Officio – Chris Anderson – Durham, Jones & Pinegar
  • Gary Havens – Wells Fargo Bank
  • Jim Welch, Past Chair – West Valley City



The UMLF receives support from a variety of financial institutions, foundations, corporations and local government.  Their ongoing commitment to and belief in the UMLF is extremely appreciated.

Financial Institution Investors

Ally Bank JP Morgan Chase
American Express  Comm. Dev. Key Bank
Bank of American Fork Marlin Business Bank
Bank of the West Medallion Bank
Brighton Bank Merrick Bank
Celtic Bank Synchrony Bank
CIT Bank US Bank
Comenity Capital Bank Washington Federal Bank
First Electronic Bank Wells Fargo Bank
First Utah Bank Wright Express
GE Capital Bank Zions Bank
Other Financial Supporters
Bear River Assoc. of Governments Salt Lake City Corporation
CDFI Fund Salt Lake County
Continental Bank State Farm Insurance
George and Dolores Eccles Found. UBS Foundation
Mountain West Small Business Finance Utah Assistive Technology Foundation
Morgan Stanley  Utah CDC
In-Kind Contributors
Concert Black STS Tax and Accounting
Creative Expressions Summerhays Group
Durham Jones & Pineagar Unlimited Designs Inc.
Every Blooming Thing West Valley City
Jacketta Sweeping  Workers Compensation Fund

In the News:

Need help with your small business idea? This Utah loan fund gives you more than money

Utah Microenterprise Loan Fund has opened a new center to support, educate clients. Erica Crisco had all the confidence in the world that she could shine shoes with the best of ’em. But she wasn’t certain how she could make a living at it, not having much experience with marketing or choreographing cash flow. “I’m an awesome shoeshiner. That part I have down,” Crisco said with self-assurance. “But running a business doing what you do is different than knowing the business you’re doing.” “Marketing, networking, budgeting — I’m not sure how good I am at wearing all of those hats,” she added. “I have to find a way to wear them that’s balanced and makes sense.” So, for a second time, she turned to the Utah Microenterprise Loan Fund, which had provided her with money to get her business — Polished — off the ground.

This time, she sought technical assistance with nuts and bolts matters necessary to turn a profit.

The loan fund, a private nonprofit financial institution promoting community development, is striving to give its loan recipients a better foundation for making it. Using a $46,000 grant from the federal Small Business Administration (SBA), it formally opened a client service center this week next to its main offices at 154 E. Ford Avenue in South Salt Lake.

“Instead of giving them a loan and crossing our fingers and hoping they pay us back, we can give them training to succeed in business,” said Danielle Lower, the fund’s acting director following the departure of longtime leader Kathy Ricci.

With the SBA funding, Lower’s team built out the unused portion of its building, equipping it with smart boards, laptops and flexible desks and chairs that can be rearranged to meet the needs of different class sizes. There also is a lounge area with comfortable chairs where business owners can confer with Microenterprise Loan Fund employees or consultants about ways of spiffing up a social media marketing campaign or fleshing out a business plan. Adjacent shelves hold borrowable books with titles such as “Learning Web Design,” “Business Writing for Dummies” and “Handmade to Sell.”

Angela Hill came to the client support center for a social media 101 class so she could better spread the word about AJ’s Treehouse, a daycare center she owns that lets parents drop off toddlers on an hourly basis. It also is available on weekends and later in the evening than most daycares. From previous jobs, Hill said, “I know operations, but I don’t know how to start, develop a marketing campaign, or much about leasing, buildout and inventory.
“When you have gaps in your knowledge, they fill that,” she added. “This was the best class I’ve taken because it was relevant to what I needed right now.”

For Aimee Jongejan, who is starting a wellness center called Breakthrough Bodyworks in Millcreek, the mentoring she received from loan officer Alisia Wixom was essential to feeling more confident about “finding direction for our vision” of nurturing athletes and others with soft tissue injuries. “Many people are visionary but not implementers,” Jongejan observed. “The Microenterprise Loan Fund helped us implement the things we planned.”

Ryan Burningham also credited Wixom’s guidance with helping him and his business partners to launch Virtualities, a virtual reality arcade in The Gateway shopping district in Salt Lake City. “Alisia smoothed the rough edges so that our business plan was basically banker ready,” he said.

By MIKE GORRELL The Salt Lake Tribune
–March 27, 2017

Read full article here:

Autistic man launches luxury clothing line

Welcome to the world of ANDOLSEK, a high fashion company with a social mission.

SALT LAKE CITY, Utah (ABC4 Utah) – The launch of a high fashion, luxury women’s clothing line right here in Salt Lake Saturday.

It was a limited-seating, invitation-only event at the Grand America Hotel. The designer is a man who had part of his training in Utah. He’s Michael Andolsek, who has worked with famous name designers from around the world.

What makes Michael unique is that he was diagnosed with autism when he was 21.

And his firm focuses on employing people with autism. Andolsek told Good4Utah, “We’re not looking for sympathy, we’re not a charity. We are a company. That because I have autism, I recognize the accommodations that need to be made for other individuals with autism   to truly reach   their potential in the workplace. And that is what we do.”

He says his company with a social mission is working because they focus on individual skills and strengths and it leads to greater productivity.

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