You will learn the steps and requirements to apply for business loans, including the 5 C’s of lending, credit reporting, required financial documents for loan applications, types of loans that may be available to you, and finally the application process and receiving funds. You will be connected to additional assistance to walk you through the process individually when you want to apply for these loans.
At Lake County EDC, we utilize local expertise to support economic opportunity and community vibrancy with resources and collaboration in Lake County, CA.
Mailing Address
PO Box 1257
Lakeport, CA 95453
Clearlake Office
Advisor
Martha Molina-Saucedo provides guidance with business bookkeeping and tax preparation.
Martha brings over 25 years of experience in the dental field, having worn many hats as a Registered Dental Assistant, Office Manager, and Bookkeeper. After moving to the beautiful Mendocino County in 1996, she decided to further her education in Business Management, returning to college in 2002.
Since 2010, Martha has enjoyed her role as a tax preparer and bookkeeper, operating her own office in Central Ukiah. She’s also passionate about helping others and has served as a Cancer Patient Navigator, providing valuable support and resources to those on their cancer journeys.
Martha enjoys collaborating with local organizations, such as the Lake County Economic Development Corporation, to empower small business owners and enrich her community. She’s friendly, approachable, and always ready to lend a hand!
Advisor
Clarissa Hernlund has over 14 years of experience spanning both corporate roles and entrepreneurship, working to empower entrepreneurs to build, grow, and pivot their businesses effectively. Clarissa provides tailored guidance on strategy, operations, and growth planning, ensuring that each client is equipped with the tools and insights needed to achieve long-term success in a competitive landscape.
Business Resource Coordinator
Lillian Rubie has years of experience working in the SBDC network, providing assistance in administration as well as working directly with business owners to ensure they have access to resources that help them build their businesses. Lillian started her own photography and illustration business in 2012, where she first learned of the SBDC network and received assistance herself. She joined the SBDC team in 2020, providing assistance and art business advising. Lillian also serves her community as Executive Director and co-founder of the Deep Valley Arts Collective and Medium Art Gallery. She is treasurer for the Arts Council of Mendocino County. She is a supporter of the small business community and passionate advocate for the arts and the working artist.
Director
Dr. Karas joined Mendocino College as Superintendent/President in July 2020. Previously he served as President and Vice-President of Instruction at College of Alameda. College of Alameda was the host agency for a WIOA funded One-Stop Career Center. Prior to Alameda Tim was Dean of Liberal Studies and Language Arts and Director of Library Services at Mission College. Tim has served on many civic committees and commissions, including Rotary Clubs, City of Alameda’s Economic Development Taskforce, City of San Jose Library Commission, and Bond and Parcel Tax Citizen Oversight Committees. His educational background includes a Masters in Library and Information Science from San Jose State University and a Bachelor of Arts in Geography from Humboldt State University. Tim completed his doctoral studies in educational leadership at Fielding Graduate University.
Director
As a public manager over the last two decades, Susan Parker has been involved in developing partnerships with local businesses with her involvement in CDBG Economic and Housing Rehabilitation Revolving Loan Programs, Redevelopment Authorities and Tax Increment Financing, Main Street Program, Residential/Commercial Paint and Fix-it Program, State Film Offices and Arts and Culture Districts, Public and Regional Transit Services, and currently as the Assistant County Administrative Officer most recently developed the Lake County CARES Small Business Grant Program.
Ms. Parker earned a Bachelor’s s of Arts Degree in 1994 in Government in Policy Studies from Beloit College, WI and in 1997 earned a Master’s of Arts Degree in Public Affair and Public Administration from the University of Wisconsin.
Director
Roman Arroyo was born in Mendocino County but has spent most of his life in Lake County. He attended Kelseyville Unified School District from K-12, where he graduated in 2000. After high school Mr. Arroyo attended Mendocino College and worked towards his AA in Business Administration. At the same time, he worked his way up in retail becoming one of the youngest members on the management team for Safeway at the age of 18. In 2004 Mr. Arroyo went into business for himself as a Farm Labor Contractor where he spent 14 years in and around the Ag community in both Lake and Mendocino counties. In 2018 one of his Ag clients convinced him to make a career change and currently Mr. Arroyo is commercial Insurance agent employed by Lincoln Leavitt, a local independent insurance agency. Mr. Arroyo not only partners with small businesses to assist and advise with their insurance needs, but also works with them to find solution for everyday problems they face as business owners. Mr. Arroyo believes that small business is the life blood of our community and he has a vested interest in seeing Lake County prosper. He plans to spend his foreseeable life in Lake County and raise his children here.
Director
Rick White is a native of Lake County and accomplished business professional from Silicon Valley. Mr. White has worked as a program manager specializing in product development and customer service in the high-tech industry. Mr. White was raised in Lake County and graduated from Kelseyville High School in 1976. He entered the Navy soon after high school and after serving 10 years in the Navy, Mr. White began work in Silicon Valley for the Boeing Company and then for Terayon, a broadband equipment manufacturer.
In 1999 Mr. White earned a Bachelor of Arts, Management from Saint Mary’s College of California, Moraga, California. Mr. White is a member of the National Association of Realtors, the California Association of Realtors, the Lake County Association of Realtors, and the Lake County Chamber of Commerce.
Director
Laura McAndrews Sammel moved to Lake County in 2006 to lead the Human Resources Department for a local hospital. In the years since, she has worked for two other healthcare facilities, serving in the capacities of human resources management and operations, before becoming a consultant for a small, local human resources management firm in 2018. From 2021 to 2024, Ms. McAndrews Sammel served as CEO of the Lake County Chamber of Commerce before stepping into her current role as Operations Director at the Clear Lake Environmental Research Center, where she now applies her business expertise to support the organization’s wildfire prevention efforts. She earned an MBA and is a Certified Human Resources Professional (PHR). She currently serves on several boards including the Lake County Arts Council and the Lake County Theatre Company, both as Treasurer.
Advisor
Joe Rodola has been involved in the credit industry for over 50 years. His experience includes commercial lending, financial literacy class instruction, SBDC Small Business advising, and as a small business owner himself. Joe helps entrepreneurs on their journey to start a business, from business planning to forecasting to opening. He assists businesses with financing, loan payment options, full credit reviews, credit repair, and basic marketing strategy.
Director
Kevin Ingram is the city manager of Lakeport, California, where he has served since July 2020. Prior to his appointment he served Lakeport as both assistant city manager and community development director for the past six (6) years. Mr. Ingram has over fifteen years of land use planning and economic development experience in Lake County. Mr. Ingram holds a Bachelor’s of Science Degree in Regional Development and Bachelor’s of Arts Degree in Political Science from the University of Arizona and in 2013 received a Master’s Degree in Public Administration from Sonoma State University.
Director
Mr. Padilla received a Bachelor of Arts in Business Management Economics in August 2002 from the University of California at Santa Cruz after growing up in Lake County. From 2002 to 2005 Mr. Padilla worked as a Financial Analyst and Grant Specialist for the Big Valley Rancheria Band of Pomo Indians in Lake County where he secured over 4.6 million dollars in funding from various federal agencies including the Bureau of Indian Affairs. From 2005 to 2009 Mr. Padilla was responsible for all aspects of the San Francisco Branch of the number one Hispanic news and information company in the U.S. in online and print, La Opinion SFO. Mr. Padilla has been the CEO of Lake County Tribal Health Consortium, Inc. since 2011 where he provides leadership, management and direction to the Federally contracted outpatient health care facility.
Advisor
Currently working on SEO and digital marketing campaigns, eCommerce content, and thought leadership articles. I believe strongly in using strategy and focusing on the customer experience at every point in the customer flywheel (lifecyle). I help businesses grow their online visibility and ensure a customer experience that will attract, engage, and delight current and future customers.
For enterprises: My value is in helping busy marketing directors, managers, and CMOs position your business strategically and in translating technical and business information into easy to understand content accurately, on time, and on budget. With me on your team, you’ll have a reliable external resource so you can free up internal resources to focus on your revenue-generating lines of business.
For small businesses: I identify your business’s key differentiator and customer experience benefits so your customers can see what makes your products or services unique. I train you in implementing SEO on your website (or can do it for you), and I can also help you streamline processes for greater efficiency.
Advisor
Andy Lucas is a Senior Partner at Community Development Services (CDS), a consulting firm specializing in economic development, business financing, business diagnostics, community outreach, grant acquisition and management, and program management. As he worked to earn a Bachelor of Science in Governmental Studies in 2007 from Sacramento State University, he also worked in the hospitality and retail sectors for both corporate and mom and pop businesses, gaining employment and managerial experience. Andy works with many local, state, and federal resources for businesses and his goal is to meet the needs of the businesses with practical solutions. Andy’s professional skills include work with local and state entities and nonprofits to access economic development resources, business financing, business lending practices, business and organization assessment, team development, budgeting, grant preparation, procurement and management, project and program management, public and private sector liaison, disaster recovery planning, disaster recovery capital access, and community outreach and education.
Advisor
Julia Siderakis is a Business Advisor, Educator, and Connector focused on helping businesses move from idea to clarity and into sustainable, long-term growth.
With over 40 years in the food and hospitality industry, including 27 years as a restaurant owner, she brings a practical, real-world approach to business development—aligning operations, finances, and customer experience to build strong, lasting foundations.
Julia supports entrepreneurs across food, retail, and service-based industries through her work with the West Business Development Center, Lake County Economic Development Corporation, and Butte Small Business Development Center. She also teaches Retail Marketing, Customer Service, and Culinary Arts at Mendocino College, bringing real-world application into the classroom.
She is passionate about supporting regional business growth and continues to contribute to programs and events that strengthen the food and hospitality sector.
Advisor
As a dedicated food industry specialist, Anni has worked with multiple Northern California SBDCs since 2005 during which time she has assisted hundreds of food and beverage entrepreneurs, taught insightful workshops, and created dozens of client success stories.
After spending two years in Italy studying cultural cuisine, Anni worked with Williams-Sonoma to launch Il Fornaio, designed commercial kitchens, managed catered events, and was on the launch team of a unique food emporium in San Francisco before starting her own wholesale baking company which grew to an international business. During her career she developed a broad network of professional associations and a wide lens on the pulse of the industry’s constantly evolving trends.
Anni is devoted to assisting SBDC clients with the fundamentals of getting started in the specialty food business, helping them expand, and fulfilling their business dreams.
Executive Director
Mrs. Flora has over 10 years of economic development experience including workforce development linking vocational training to local industry; supporting entrepreneurship, identifying and matching gaps in support to ensure success; business lending connecting industry to capital; labor market data analysis understanding local industry and living wage jobs; changing the local story helping locals to identify opportunity. She served as the Executive Director of the Headwaters Fund from March 2013 to December 2016, which is charged with the management of an economic development fund for the County of Humboldt.
Nicole earned her Bachelor of Science in Business Administration from Humboldt State University in 2003.
Director
Alan Flora is the city manager of Clearlake, California, where he has served since April 2019. Prior to his appointment he served Clearlake as both assistant city manager and finance director; and has held various other local government positions in both California and Indiana. In addition to holding a degree in Urban Planning and Development from Ball State University, Flora is a graduate of the University of Virginia’s Senior Executive Institute as well as a Credentialed Senior Executive through the California State Association of Counties.
Secretary / Treasurer
Chris Mansell was born and raised in Lake County and graduated high school from Clear Lake High in 2001. He then started college locally at Mendocino College, graduating with an associates degree in liberal studies. Chris transferred to Sonoma State University where he pursued an economics degree, graduating Cum Laude in 2008, while also obtaining a minor in business administration. Since then, Chris has been a part of his family-owned Napa Auto Parts stores in Lake and Sonoma Counties, while also purchasing a restaurant in Lakeport. He understands the need for local prosperity and opportunities for local citizens to create a better future for themselves and their community.
Born and raised in Lake County, Joy Merrilees farms 35 acres of vineyard on Kelsey Bench and has been steeped in the agriculture and wine industry in Lake County for 25 years. She received a BS from Humboldt State in Interdisciplinary studies and has served as Vice Chair on the LC Winegrape Commission for 3 years. She has been instrumental to the growth of Shannon Family of Wines as the Vice President of Operations and Business Development. And in her spare time produces the local and delicious High Chaparral Gin.
President
Kevin Reynolds is the Director of Operations at Reynolds Systems, Inc (RSI) where he has been since 2016. Kevin oversees day to day operations at RSI and is responsible for all contingencies the company may face during disasters. Prior Kevin received his Bachelor’s from Louisiana State University in Criminal Justice and went on to get his Master’s in Business Administration from Chapman University.
