• Ashley Wenger

Meet the Capital Team

Meet the SCCF Capital Team! This team of business loan gurus is responsible for handling all of our small business loans and checking in with our loan clients, as well as keeping up with the financial demands of our organization. Thanks to the amazing work from this team, SCCF has been able to lend over $1.6 million to entrepreneurs since SCCF opened! If you’re interested in learning more about, or applying for, a small business loan, please fill out our loan interest form. To get to know the team behind the loan applications, we asked them a few questions about being entrepreneur supporters!


What is your role at SCCF?

Phil: Director of Operations and Finance. I oversee the Capital Team, as well as handle all of the operations at SCCF, which includes creating and improving processes.

Kristin: Microfinance Director, I manage the microloan application process while also continuing to support the current loan client portfolio.

Joyel: Program Administrator with an emphasis on capital programs. You can talk to me if you need helping figure out which funding option is best for you.



Pictured from left to right: Phil Ray, Kristin Wong, Joyel Allen


What was your journey to SCCF?

Phil: What a long strange trip it’s been. I have been a bartender, flooring salesperson, poker dealer, restaurant manager, aerospace engineer, entrepreneur, business advisor, and consultant.

Kristin: I had never heard of SCCF before seeing the job posting on Indeed; it was exciting to me that this type of organization, one that supports entrepreneurs, exists. I knew right away that I wanted to be part of it!

Joyel: I was a student, trying to secure an internship in a field I was interested in. I met SCCF through my career services department at school a few years ago, and have been with the organization ever since.


What’s your favorite part about working at SCCF?

Phil: I enjoy helping entrepreneurs, and our team, understand how systems and controls provide transparency and accountability.

Kristin: I love working with entrepreneurs and supporting people as they start and grow their businesses!

Joyel: I enjoy doing mission-based work that helps people. Through my work at SCCF, I like taking clients through clear systems that lead them to the best resources for their current needs.


What’s your least favorite piece of industry jargon?

Phil: oh man, there are too many to list…

Kristin: Honestly, I love me a good abbreviation, but gosh there are so many!

Joyel: I dislike most abbreviations for things regarding finances. I think if the finance industry were more straightforword with their terms, people wouldn’t be so confused.


What’s your favorite thing about the Shenandoah Valley?

Phil: Usually whatever trail I find myself running or hiking that day is my favorite (Phil is an avid swimmer, runner, and biker!)

Kristin: I love the variety and quality of coffee shops and farmers' markets in the Shenandoah Valley! Also the beautiful view of the mountains!

Joyel: Divine Unity Community Church, it’s a place where people from different backgrounds and walks of life can get together and worship God. I also love me some Chicanoboy, and Folly Mills Falls is a super cute spot with the best mini waterfall.


Tell us a random fun fact about you.

Phil: My first entrepreneurial venture was an independent horror film. I took a year and a half off after school (round one) to make it. By far the most expensive DVD I ever purchased!

Kristin: I raised goats for 10 years.

Joyel: My little sister was born on my birthday 6 years after me.


What makes you an entrepreneur? OR, if you were an entrepreneur, what kind of business would you run?

Phil: I have started a number of businesses. Running a passion project business is great and can be personally rewarding, but I would advise all entrepreneurs who are looking for their next opportunity to remember two words: Passive Income.

Kristin: I always have a new idea for a business or non-profit I’d like to see come to fruition. A couple of years ago I was part of starting a non-profit childcare center. It's also always been a dream of mine to start and run a community development center.

Joyel: I’d really like to venture into real estate. I also want to start and run a nonprofit that helps people who are financially distressed with education and opportunities to increase their income.



If you're interested in more information about our loan programs, check out how we can help fund your idea. You can also reach out to Kristin or Joyel at any time. To hear about why our incredible Capital Team loves supporting entrepreneurs, check out our Instagram.

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