Monthly Archives

August 2021

By Borrower Stories, Migration V2

How McAuley Residence and The Genesis Fund are Redefining (and Rolling Out) Recovery Centers Across Maine

For over 30 years, McAuley Residence has been a safe place for women in need in Portland, Maine. When the opioid crisis hit 13 years ago, however, the residence — a longstanding project of The Sisters of Mercy — needed to rethink its services. “We were seeing a significant need for women with children who had a diagnosis of substance use disorder,” said Melissa Skahan, Vice President of Mission Integration at Northern Light Mercy Hospital. “Women throughout the U.S. were experiencing more overdoses and more admissions, and we were also seeing an incredible number of children being removed from their homes by child protective services from families affected by substance use disorders to ensure their safety. It was clear that we really needed a more comprehensive approach.”

All photos were taken in McAuley Houses’ Bangor location.

That’s when the McAuley Residence partnered with Community Housing of Maine to solely focus on families affected by substance use disorders. The residence adopted a two-generational approach, with robust services and interventions targeted at both mothers and their children. Notably, McAuley Residence doesn’t provide treatment on-site. This was intentional. Most recovery centers offer treatment in-house; however, when someone leaves the facility, that means she leaves her treatment team behind. That’s very disruptive — and, when considering the cyclical nature of substance use disorders, it’s also dangerous.

“What we designed after examining patient outcomes from reoccurring residential stays was a model that builds the best treatment team for our clients external to McAuley with seamless integration into onsite services,” Melissa said. “This way we could ensure that the outpatient space was transformative and sustained, while really focusing on capacity building regardless of where mom and child laid their heads at night. None of the progress would be disrupted when they left us.”

Instead, what McAuley does offer in-house is a family-centered, evidence-based suite of supportive and clinically oriented- services that help families break the generational cycles of addiction and poverty. These services range from preparing women to re-enter higher education to providing cooking classes and workshops on healthy eating; however, before any of that can happen, McAuley staff work with women to help them stabilize physically, mentally, and emotionally so that they can reunify with their children if they’ve been separated. That includes one-on-one coaching as well as group sessions on parenting education. According to Melissa, she and her team are most often able to reunify women with their children within the first three to five months of their stay at McAuley.

While McAuley helps to develop healthy routines for both mom and child(ren), it also offers mothers financial coaching and career planning. In total, the women put in 35 hours a week to McAuley Residence’s programming, which further establishes the discipline and stabilization needed to successfully transition out of the program. When the time comes, McAuley also helps McAuley residents leave the residence and land on their feet. For most women, their total length of stay at McAuley Residence is 24 months. “It’s pretty rewarding work to watch these women truly have the opportunity to flourish and to reunify with their families and then re-enter higher education and the workplace and become highly productive mothers, citizens, and people,” Melissa said.

An Approach Worth Replicating

Based solely on the numbers, McAuley Residence’s innovative approach is a resounding success. Well over 200 women have completed the program, and the facility reunifies 95% of the families that come to it. More so, 80% of the women who commit to the program remain abstinent from illicit substances. “It is remarkable what we are able to see families that have experienced homelessness, incarceration, and trauma accomplish when they are provided safe housing, comprehensive services, and access to the very best treatment,” Melissa said.

Unsurprisingly, demand to get into McAuley Residence is high. Therefore, McAuley Residence wanted to open a second location. Fortunately, in 2019, Maine’s legislature passed a law called An Act To Stabilize Vulnerable Families, which provided funding to replicate McAuley Residence’s model across the state. Through a partnership with Community Housing of Maine and The Genesis Fund, a Community Development Financial Institution (CDFI), McAuley Residence was able to open a second location in Bangor. Since 1992, The Genesis Fund has been working to develop and support affordable housing and community facilities across Maine, mainly by providing both financing and technical assistance to increase the supply of affordable housing. CNote partners with CDFIs like The Genesis Fund in communities across the country, channeling capital to fund social missions like affordable housing, women’s empowerment, entrepreneurial funding, and more.

Not only did The Genesis Fund provide financing for the Bangor project, it also provided the necessary capital for McAuley Residence to renovate the location, including the kitchen, each bedroom and bathroom, and the big dining room. “It’s a beautiful older building,” Melissa said, “and the funding from Genesis really helped us to bring it back to life.”

Melissa and her team at McAuley often get asked the same question: “why don’t you expand more.” With ongoing support from The Genesis Fund, that’s exactly their plan, and with fatal overdoses up 27% in Maine and a pandemic that’s compounded the opioid crisis, the need has never been greater. Although Melissa is worried about the increase, she feels privileged that McAuley has been able to continue to screen and accept families in these difficult times. “The ability to really serve families in a comprehensive way is lacking across the United States,” Melissa said, “so we’re thrilled to be able to partner with Genesis to create an approach for both mother and child in a way that delivers remarkable outcomes. It’s really the right resource to fund because we’re truly seeing a direct benefit to families in our community.”

Learn More

  • Northern Light Mercy Hospital
  • The Genesis Fund provides innovative financing by soliciting investment loans from individuals, churches, corporations, and foundations, and then re-lending the money at favorable terms to nonprofit organizations developing affordable housing and community facilities for underserved people and communities throughout Maine and beyond.
  • CNote is a women-led investment platform that empowers individuals and institutions to invest locally to further economic equality, racial justice, gender equity, and address climate change.
By Borrower Stories, Migration V2

Meet Montina Young, The CDFI (and YouTube) Enthusiast Helping Other Entrepreneurs Succeed

At CNote, we consider ourselves to be the CDFI industry’s biggest cheerleader. Then we met Montina Young.

When Montina was just 18 months old, her mother abandoned her. She was raised by an aunt, but she ended up homeless when she was 16 years old. Still, Montina managed to get her GED, and she hasn’t looked back since. Professionally, Montina has done a little bit of everything over the course of her career. While she studied education and worked as a teacher, she’s also had roles with the Boy Scouts of America and the country’s largest information technology financial company.

Montina is also somewhat of a serial entrepreneur — and a YouTube success story. While Montina was still working full-time, she launched an organic life products “side hustle” in her kitchen. Over time, she cultivated a following of 15,000 subscribers on YouTube; however, eventually, the venture ceased to bring her joy. “I kid with people and say it’s fun when you’re making five of something, but it’s not fun when you’re making 500,” she laughed.

Montina pivoted to producing video content for small business owners — still a very new concept back in 2013. She named her digital marketing company CIA Media Group, and in 2014, she decided to step away from her full-time job to make her six-figure-earning side hustle her main hustle. “I tell people don’t quit because you hate your boss,” she said. “You don’t have one boss as an entrepreneur. All of your clients are your bosses, so you really need to choose something that you’re not just passionate about, but something that can be profitable.”

For Montina, her leap of faith paid off. She discovered that she really enjoyed working with lawyers, and she spent the next five years creating video content and doing digital marketing for legal industry clients — and making her first million dollars in revenue. Montina developed a recurring revenue model blueprint, where she and her team don’t just create one video for a client, but a series of videos that she calls a heat map, which includes highlighting the clients’ stories and thought leadership.

In 2018, CIA Media Group was certified as a minority-owned and women-owned business, and it expanded to work with Fortune 500 and Fortune 100 companies. Around that same time, Montina also began to accept government contracts to help other certified small business owners build and scale their businesses.

Access to Capital, Access to Opportunities

Back in 2015, business was booming for Montina, but she still needed some help. That’s when she established a relationship with both Access to Capital for Entrepreneurs (ACE) and LiftFund, two Community Development Financial Institutions (CDFIs) that support entrepreneurs in Georgia. CNote partners with CDFIs like ACE and LiftFund in communities across America, funding loans to small businesses, providing business coaching, and empowering local entrepreneurs like Montina.

According to Montina, over the past six years, ACE and LiftFund have helped to expand her business, hire employees, purchase video production equipment, repay debt, and have the cash necessary to cover employee healthcare. Like many small businesses, CIA Media Group often doesn’t receive payments from clients until 30, 60, or sometimes even 90 days after a project is completed. That means that Montina has to have enough cash on hand to carry payroll for two to three months at any given time.

Montina also credits her CDFI partners with giving her the ability to read her cash flow statement, profit and loss statement, and balance sheet. Additionally, both CDFIs provided Montina with the support she needed to get her paperwork, her financials, and her business plan in order. For example, ACE helped to liaise (and sponsor) her relationship with a local bookkeeping company. “With ACE, we have a financial consultant that I meet with two hours every single month,” she said. “And because I understand my books, I’m confident. She helps me set my monthly goals and my goals for the year, and really, it gives me a sense of relief to have accountability partners that actually care.”

Montina has also taken advantage of the various educational workshops, professional gatherings, and speaking engagements offered by both CDFIs. She says that such opportunities are especially important for BIPOC and women entrepreneurs, who don’t often have mentors or family members who’ve owned and operated successful businesses. Those professional development and networking opportunities are just one of the many reasons that led Montina to become such a cheerleader — and advocate — for CDFIs. “I love, love, love, CDFIs,” she said. “CDFIs educate you about the loans you’re taking out, they look at your business plan, and they want to grow and scale with your business. They’re truly phenomenal.”

When the Mentee Becomes the Mentor

Given Montina’s positive experience partnering with Atlanta-based CDFIs, it should be no surprise that she does everything she can to help other small business owners succeed. She’s very active on LinkedIn, and she has a YouTube channel where she releases videos that provide information, guidance, and training for other entrepreneurs, free of charge. Those videos reach more than 40,000 subscribers. “I want to see women- and minority-owned businesses run profitable businesses,” she said. “I invest a lot of time mentoring, and I do my best to offer them the support that I can.”

Long-term, that’s the kind of work Montina sees herself doing: teaching entrepreneurs and helping them to leverage certifications (BIPOC-owned, women-owned, etc.) to create opportunities for their small businesses, such as landing a federal contract. She said that such contracts can be for $1 million, which carries the potential to transform an entire business. According to her, roughly 2% of women-owned businesses ever make seven figures in a single year of revenue, and that number hasn’t changed in almost 20 years. “A million dollar contract opportunity can literally change the trajectory of a woman’s entire business,” she said.

In that way, Montina’s current side hustle — maintaining her YouTube channel to support and mentor other entrepreneurs — and the work of CDFIs aren’t that different. Both are focused on advocating for, supporting, and unlocking doors for entrepreneurs so that BIPOC- and women-owned businesses can take their small businesses to the next level. “Having access to capital is transformative for a business,” she said, “but we don’t just need access, we must have access to mentorship and opportunities. I can tell you that, as a business, we’ve had opportunities because we are associated with these wonderful CDFIs.”

Learn More

  • CIA Media Group is an award-winning digital marketing agency helping companies rethink business for the digital age through communication outreach, stakeholder coordination, and engagement planning, digital transformation, digital strategy, and video production services.
  • LiftFund is a community small business lender that transforms lives by opening doors and providing capital, financial coaching, tools, and resources to entrepreneurs who do not have access to loans from commercial sources. Since 1994 LiftFund has provided over $360 million in capital, propelling the dreams of over 20,000 diverse small businesses throughout its 13 state footprint.
  • CNote – Interested in helping create another story like this? CNote makes it easy to invest in great CDFIs like LiftFund, helping you earn more while having a positive impact on businesses and communities across America.