Free Lunch and Learn, RSVP @

  • New ways to support businesses in your community
  • Resources for Small and Medium Sized Businesses

Pedro R. Garcia is a San Francisco Bay Area native and small business owner. His team of advisors can assist you with real estate, mortgage and insurance for your family and business. Feel free to call us anytime 415-900-9469 for a free quote or to schedule a complimentary lunch and learn.

CA DRE#01798480, NMLS ID 969487, DOI 0D82026

Small Business Owner’s and Real Estate

The Small Business Administration provides a lot of different funding options for entrepreneurs. If a business is going to occupy at least 51% of the total leasable space, the owner can utilize the SBA 504 program to purchase commercial real estate. This allows for as little as 10% down payment. A conventional / traditional commercial real estate (CRE) loan requires 20-30% down. There is also private money available for investment purposes; however, this tends to more expensive than the other two options mentioned. I’m a big proponent of creative financing. Stay tuned for my upcoming book: MicroFin, Dispelling the myths of creative financing and low to no down payment real estate investing.

What is Socially Conscious Commerce?

Investopedia defines this social responsibility in marketing as “Focusing efforts on attracting consumers who want to make a positive difference with their purchases.” When you are shopping for Valentine’s Day, Lunar New Year, throughout Black History Month and for the rest of the year think about how you can make an impact as you buy not just gifts, but also when you purchase everyday items and services, food and household essentials.

Dream Big!

“If you’re searching for the one person who can change your life, take a look in the mirror.” #miraclemasks

Visit Cafe Banc for your free care package: face mask, hand sanitizer, See’s Candies and Refreshments.

Introducing Cafe Banc “Brick-and-Click”

My team helps entrepreneurs grow and protect their business. We do so by helping them purchase, finance and insure buildings; finding well priced commercial leases, and also by increasing revenue.

How do we help small businesses grow? By implementing a business model in which a company operates both an online store (the clicks) and a physical store (the bricks), integrating the two into a single retail strategy. This concept inspired the acronym in our name: BANC is short for “Brick-and-Click”. Cafe Banc helps Unicorns develop and execute “Brick-and-Click” marketing strategies.

Feature products, grow businesses and nuture ideas at Your Community Hub #cafebanc

Happy Thanksgiving!

During these times of uncertainty and social distancing from loved ones, it may be difficult to remain optimistic. But we must always remember our WHY and be grateful for good health, family and friends. At Cafe Banc we are so thankful for our customers who have become dear friends. It feels surreal to be able to open again. We were certain that we’d close by now, due to the financal constraints and decrease in overall business. Like many, we’ve had to pivot in order to thrive through this market shift. Since you last visited our Saratoga location, we have added Peet’s Coffee and Tea to our offering, and a community hub / shared workspace (for those that are fatigued working from home). Schedule a free tour at or schedule your own desk, Pop-Up Shop or shared workspace at

Shared Workspace & Community Hub

Book your own studio, personal space, desk, office, store-front or pop-up shop. With webinar fatigue setting in and working from home taking a toll on productivity, Cafe Banc is determined to offer just the right balance for you and your small to medium sized business. Schedule a time to tour our locations in San Francisco, Saratoga and Campbell @

Learn more about Your Community Hub @ #cafebanc #orchardcities