September 2018
September 2018
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EDF's 2018 Lenders Cup Golf 

And the Winner Is.......
West Michigan Community Bank!

Featured from Left to Right: Ryan Sabin, Mike Eling, Chris Johnson, and Jeff Berens
On September 13, 2018, EDF hosted it's Eleventh Annual Golf Outing featuring our Second Annual Lenders Cup Tournament! 

The Lenders Cup is a competition among the lending institutions that had loans authorized with EDF  over the past fiscal year.  The following banks competed:

Choice One Bank, Comerica Bank, Grand River Bank, Huntington Bank, Independent Bank, Lake Michigan Credit Union, Old National Bank, and West Michigan Community Bank

West Michigan Community Bank was this year's winning foursome shooting 15 under par and beating last year's winning team, Independent Bank (formerly Traverse City State Bank) by 2 shots!
Lender Leader Board
EDF   would like to thank all of the lenders that have had loans authorized with us so far this fiscal year. At the end of our current fiscal year (9/30/18), the lending institution with the most loan approvals will receive EDF's Lender of the Year Award.
Independent Bank
18 Loans
Huntington Bank
8 Loans
Grand River Bank
3 Loans
Honor Bank
3 Loans
Choice One Bank
2 Loans
Lake Michigan Credit Union
2 Loans
Consumers Credit Union
2 Loans
Chase Bank
2 Loans
4Front Credit Union
1 Loan
Comerica Bank
1 Loan
Community Choice Credit Union
1 Loan
Horizon Bank
1 Loan
Macatawa Bank
1 Loan
Mercantile Bank
1 Loan
My Personal Credit Union
1 Loan
Old National Bank
1 Loan
Shelby State Bank
1 Loan
State Savings Bank
1 Loan
The Bancorp
1 Loan
Union Bank
1 Loan
West Michigan Community Bank
1 Loan
West Shore Bank
1 Loan
FY 2018 Total
Totals as of 08/31/2018
54 Loans
West Michigan Uniform, Inc. (WMU) is a family owned and operated uniform provider in Holland, MI that has recently received their second SBA 504 loan. Their first loan was to purchase an additional building for offices, and additioanl space to house their embroidery and promotional products operations. To handle future growth and utilize changes in technology in the laundering industry, WMU made the decision to purchase new equipment, which they also financed through an SBA 504 loan. The new equipment allows the company to be more efficient by reducing both utility and labor costs.

Patrick Van Tuinen, Steven Van Tuinen, Mitchell Van Tuinen, and Jan Van Tuinen are all second generation owners of the over 50 year old business that provides uniforms on a daily basis for over 15,000 employees associated with their various clients. Along with uniform rentals, they also provide mat rentals, corporate apparel, embroidery and promotional products to businesses in the area. The eagerness of the owners to continue the growth and development of their family owned business by expanding production capabilities put them in an excellent position to capitalize on growth opportunities and help to ensure they can continue the family operation for many generations to come.

Bradd Pierce, EDF's Senior Loan Officer, partnered with Mike Eling, Vice President Commercial Banking at West Michigan Community Bank, to provide both bank and SBA 504 financing for the project. This allowed the bank to finance 50% of the costs, the 504 loan provided 40% of the costs, and the borrower contributed 10% to the overall project. Patrick Van Tuinen said, "The program was essential to West Michigan Uniform creating new jobs through the expansion of our embroidery and screen printing operations and positioning ourselves for further growth in uniform and mat rental services. The process with EDF was smooth and the staff was extremely helpful and responsive to our questions."

To learn more about the benefits of the SBA 504 Loan Program, or how EDF can assist you, please visit our website at, or contact one of our Loan Officers, Gary Witkowski or Bradd Pierce.
Call EDF for your 7(a) Packaging Needs

EDF   can assist your bank or credit union with 7(a) Loan eligibility and questions. We can also prepare loan applications and submit them directly to the SBA for approval. If you do not have an in-house SBA specialist, please consider using  EDF for your packaging needs.   For more information, please call Amy Dubridge at (616) 323-1279  or you may send an email to .
Schedule a Lunch and Learn
EDF   would love the opportunity to bring lunch to your organization, get to know your entire team, and do a brief presentation on the benefits of the 504 Loan Program. We are currently scheduling into November and December. If you would like to set up a time, please call Kyle Wilson at (616) 323-1272  or you may send an email to .
EDF Staff
Julie Parker
(616) 323-1276
Loan Officers 
Bradd Pierce
Senior Loan Officer
(616) 323-1277
Gary Witkowki
Loan Officer
(616) 323-1275
Credit Department 
Amy DuBridge
Junior Loan Officer
& 7(a) Specialist
(616) 323-1279
Matt Mankivsky
Junior Loan Officer
(616) 323-1278
Closing Department 
Abbey Byrne
Closing Manager
(616) 323-1274
Laura Seromik
Closing Specialist
(616) 323-1273
Servicing/Credit Department 
Kyle Wilson
Servicing Manager
(616) 323-1272
Nik Hoezee
Junior Loan Officer
(616) 459-4825
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