Our Mission
WORC advances economic opportunity by helping individuals and families build lasting financial stability. Through entrepreneurship training, business lending, and matched savings programs, we equip people with the tools, resources, and support to turn goals into thriving businesses, strong households, and resilient communities.
History
For more than 30 years, WORC has been a trusted partner for individuals and families striving for financial independence. Founded in 1993, we recognized early on that true self-sufficiency requires more than income. It requires building assets and wealth.
Through entrepreneurship training, direct lending, and matched savings, we have helped thousands of people turn determination into thriving businesses, first homes, and long-term stability. Over the years, WORC clients have launched bakeries, salons, accounting firms, childcare centers, and countless other ventures that strengthen neighborhoods, create jobs, and serve as role models of community success.
Our approach is holistic and rooted in empowerment. From the first $1,800 microloan made in 1999 to today's commercial real estate loans up to $350,000, WORC has grown alongside our clients. Together, we've achieved milestones such as:
- Over 4,200 entrepreneurs trained through our entrepreneurship programs
- More than $11 million in small business loans disbursed to launch, expand, or stabilize local businesses
- 1,600+ families building savings through our matched incentive programs, generating millions in long-term economic impact through homeownership, education, and business investment
We know the success of small businesses is tied directly to the strength of our community. That's why WORC continues to evolve, pairing loans with grants, expanding commercial real estate lending to prevent displacement, and ensuring entrepreneurs from all backgrounds have the tools to achieve lasting economic mobility.
At WORC, every success story is a reminder: when people have the right resources and support, they don't just change their own lives. They change the future of their families and neighborhoods.
Leadership Transition
As WORC celebrates its 32nd anniversary, we honor the extraordinary legacy of our founder, Lynne Cutler, whose visionary leadership transformed lives and communities for more than three decades. Lynne transitions to the role of Executive Board Chair, continuing to guide strategy, policy, and long-term sustainability.
We welcome Iola Harper as WORC's new Executive Director. With deep experience in small business development and community leadership, Iola brings fresh energy and a continued commitment to our mission. Together with our dedicated team, she will write WORC's next chapter of impact and innovation.
Staff
Meet the dedicated team behind WORC. Our staff brings decades of experience in entrepreneurship, financial education, and community development. Together, we work every day to empower individuals and families to reach financial stability.
Iola Harper, Executive Director
Iola leads WORC with a strategic, client-centered focus rooted in decades of experience in economic and community development. She has worked with nearly every major agency in the region and previously served as Deputy Commerce Director, ensuring equitable access to city contracts for businesses owned by people of color, women, and individuals with disabilities.
Iola is committed to creating pathways for small and micro businesses to thrive. She believes in equipping clients with the knowledge, tools, and resources necessary to build generational wealth and strengthen the regional economic ecosystem.
Joanna Montas, Deputy Director of Programs and Compliance
Joanna oversees program operations, community engagement, and compliance to ensure clients are connected to the full range of WORC’s services. Her work includes forging partnerships that expand access to resources and improve program reach.
Drawing from her personal experience as an immigrant navigating financial systems, Joanna brings a deep understanding of the obstacles many clients face. She takes pride in helping individuals gain confidence, overcome barriers, and make lasting progress toward financial stability.
Larry Poppert, CFO, Chief Risk Officer
Lisa Mills, Director of Finance and Administration
Lisa oversees WORC’s financial management and administrative functions, ensuring resources are allocated effectively to advance the organization’s mission. With more than 30 years of experience in finance and business operations, she brings a rigorous, results-driven approach to organizational stewardship.
She strongly believes in WORC’s commitment to creating economic opportunity for families. Lisa is proud to support the operational infrastructure that allows programs and services to thrive.
Lamin Vanna, Director of Lending
Lamin leads WORC’s lending operations, ensuring that loan applications receive thorough review and that lending policies support both client needs and organizational sustainability. With more than a decade of experience in commercial lending, business development, and finance, he provides strategic direction to the lending team.
He is motivated by the opportunity to expand access to capital for small businesses. Lamin values WORC’s mission and takes pride in supporting entrepreneurs as they build and grow their enterprises.
Abdul Kamara, Refugee Community Loan Officer
Abdul supports clients in accessing capital and building credit to advance their businesses and long-term financial goals. With extensive experience serving small business owners and communities that face systemic barriers, he brings empathy, guidance, and a strong understanding of the challenges associated with rebuilding financial stability.
He is motivated by the opportunity to help families strengthen their economic futures. Abdul values WORC’s mission and takes pride in ensuring clients are well-informed and supported throughout every step of the lending process.
Alfred Essandoh, Contract Compliance and Impact Specialist
Alfred ensures organizational compliance with funding requirements and supports WORC’s ability to provide high-quality services to clients. With more than a decade of experience collaborating with leadership teams, he specializes in outcome measurement, program effectiveness, and operational accountability.
He is inspired by WORC’s commitment to helping families build generational wealth. Alfred believes strongly in advancing equitable access to opportunities that create long-term economic stability.
Camille Johnson, Family Savings Account Program Manager
Camille oversees the Family Savings Account program, helping clients build savings and reach major financial milestones such as homeownership, higher education, or launching a business. As a licensed real estate agent with expertise in credit, housing, and financial education, she connects individuals with resources that promote long-term stability.
She is driven by the success of clients who achieve goals that once felt out of reach. Camille finds deep fulfillment in supporting families as they strengthen their financial foundations and create new opportunities.
Courtney Jackson, Loan Administrator
Courtney manages the loan processing cycle, supporting entrepreneurs—particularly those from underserved communities—as they apply for and secure business financing. With professional experience in lending, client services, and working with diverse entrepreneurs, she ensures accuracy, compliance, and a client-centered approach.
She is dedicated to helping individuals transform business ideas into sustainable ventures. Courtney values WORC’s role in expanding financial access and is committed to fostering long-term success and economic mobility for clients.
Eugene Campbell, Business Coach
Eugene is the CEO and founder of The ECCR Group, bringing over 20 years of experience advancing economic opportunity for individuals and communities impacted by systemic barriers. His work centers on empowering women, minorities, veterans, and justice-impacted individuals through entrepreneurship, workforce development, and reentry support.
Eugene has helped more than 200 microentrepreneurs launch and sustain small businesses by providing coaching, access to capital, and strategic resources. He also leads multiple state and federally funded initiatives focused on workforce training, gender-responsive reentry, and small business development.
He is deeply committed to WORC’s mission of strengthening communities by creating pathways to financial stability, self-sufficiency, and long-term economic success.
Fatima Ayers, Training and TA Manager
Fatima supports entrepreneurs through WORC’s Training Department by facilitating workshops, providing one-on-one technical assistance, managing event logistics, and guiding women-owned businesses through the early and growth stages.
As a small business owner herself, she understands the challenges of building and growing a business from the ground up. In addition to her work at WORC, Fatima offers professional event décor and logistics services, bringing creativity, attention to detail, and intention to every project. Her experience and commitment make her a strong advocate for emerging entrepreneurs.
Lydiana Gonzalez, Office Manager
Lydiana manages WORC’s administrative operations and serves as a primary point of contact for clients and visitors. She has supported the coordination of programs, communications, and day-to-day office needs, ensuring a welcoming and efficient environment for all.
She is dedicated to WORC’s mission and values the opportunity to support clients as they pursue financial stability and new opportunities. Lydiana brings professionalism, creativity, and a client-centered approach to every aspect of her work.
Dwi Setiawan, FSA Contract Compliance/Accounting Assistant
Dwi provides administrative and compliance support for the Family Savings Account program, ensuring participants complete required steps and receive their matched savings. She also contributes to WORC’s financial operations through bookkeeping and accounting functions.
She brings a strong analytical background to her role. Dwi appreciates WORC’s mission of promoting financial empowerment and asset building. She is committed to helping clients develop lasting financial skills and achieve long-term economic independence.
WORC Collaborating Experts
Xzy-Nayè Campbell, Digital Media Marketing Consultant
Xzy-Nayè provides technical assistance to clients in accounting-related matters, including business plan financials, and coaches entrepreneurs on obtaining the licenses and certifications required to open their businesses. With a background in digital marketing and strategic communications, Xzy-Nayè supports clients by connecting them to resources that strengthen sustainability and long-term success.
Calvin Tucker, Commercial Real Estate Mortgage Consultant
Calvin assists business owners in acquiring commercial property through WORC’s Commercial Real Estate Loan program. With over 40 years of experience in commercial lending and finance, he expertly guides entrepreneurs through complex real estate transactions, offering solutions that include competitive rates, lower down payments, and flexible credit criteria.
Calvin is dedicated to helping business owners build equity and long-term wealth through property ownership. He values WORC’s mission and the meaningful impact commercial ownership has on underserved communities.
John Milano, Collections Manager
John manages WORC’s loan collections process, supporting clients in maintaining strong repayment practices while ensuring the organization remains financially sustainable. With a career dedicated to supporting small businesses, he offers practical insight into the challenges and responsibilities of entrepreneurship.
He values the opportunity to assist clients in meeting their personal and professional goals. John views this work as a meaningful way to help individuals strengthen their financial footing and pursue long-term success.
Board & Advisory Committee
WORC is guided by a diverse Board of Directors and Advisory Committees who share our commitment to advancing economic opportunity. Their leadership, expertise, and insight ensure we remain responsive to the needs of our clients and community.
Lynne Cutler, Founder and Executive Board Chair
Lynne founded WORC in 1993 with a clear and innovative vision: that families need both income and assets to achieve long-term financial security. Under her leadership, WORC grew from a local initiative into a nationally recognized organization known for its integrated approach to business training, lending, and asset-building programs. Over three decades, her work has helped thousands of families create lasting economic change.
Throughout her career, Lynne has supported entrepreneurs like Nancy, who expanded her cleaning business into a construction firm; Gloria, who launched a jewelry business with an $1,800 loan; and Dieccha, who saved enough to purchase her family’s first home. During the COVID-19 pandemic, Lynne led WORC to become one of the first nonprofits approved to distribute Paycheck Protection Program loans, providing over $1.5 million in support and helping 94 small businesses stay open.
As WORC’s Executive Board Chair, Lynne continues to steward the organization’s strategic direction while supporting Executive Director Iola Harper. She focuses on long-term planning, relationship-building with funders and partners, and ensuring the organization remains strong and mission-driven. Lynne firmly believes that when families receive the right tools, guidance, and opportunities, they can build wealth that lasts for generations—a belief that has guided her life’s work.
Barry Brait, Treasurer
Barry serves as WORC’s Treasurer, providing financial leadership and oversight to ensure the organization’s resources are effectively managed in support of its mission. With extensive financial expertise, he plays a key role in shaping fiscal strategy, strengthening internal controls, and supporting long-term organizational sustainability.
Also, Barry served as Capital Improvements Supervisor at the Philadelphia Water Department overseeing Invoices for Independent Contractors and Construction Contracts. He was the Accountant for the construction of the three Water Pollution Abatement Plants, costing $900,000,000, the largest City Project 1979> 1987. He, also, in retirement, serves as Treasurer to two other organizations, the Playwrights Dramatists Center and the Sylvia and Randall Kauders Foundation.
Deborah Rounick, Secretary
Deborah serves as Board Secretary and brings deep financial insight as a Five Star Wealth Manager and Financial Advisor with Ameriprise Financial Services in Conshohocken. A graduate of Drexel University’s LeBow College of Business, she is committed to helping individuals plan for and achieve financial security.
Deborah is also deeply dedicated to community service and philanthropy, contributing her time and expertise to strengthen the Philadelphia region.
Regina Jean-Baptiste-MBA, Board Member and Officer
Regina is a senior human resources and operations executive and business strategist with over 20 years of experience across the nonprofit and for-profit sectors. She currently serves as Chief Human Resources and Operations Officer for a national nonprofit organization, where she leads organizational strategy, governance, compliance, and people operations. In addition, Regina is the Founder and CEO of AspireWise Business Solutions, a consulting firm focused on leadership development, organizational sustainability, and business growth for entrepreneurs and executives.
Regina serves as a Committee Member of the Black Wall Street Organization. Through this role, and her executive experience in human resources and operations, she brings systems-based insights into workforce development, economic empowerment, community capital, and organizational sustainability that directly support WORC’s mission to build resilient systems, advance economic equity, and empower communities.
Mary Livingston, Board Member and Officer
Mary brings over 25 years of experience in human resources, leadership development, and business training. She is the president and founder of M. Livingston Group, a Philadelphia-based consulting firm established in 2000, specializing in organizational effectiveness and workforce development.
Mary also serves as Chair of Volunteer Engagement for SCORE Philadelphia and is a board member of The Philadelphia Tribune. Her extensive experience in strategic planning and human capital development supports WORC’s mission to strengthen small businesses and promote economic resilience.
Tiffany Spraggins-Payne, Board Member and Officer
Tiffany serves as a Board Member and Officer, contributing extensive expertise in small business development and entrepreneurial support. She is the Director of the Power Up Your Business Program at Community College of Philadelphia, where she leads initiatives that empower diverse, women-owned, and minority-owned businesses.
Tiffany holds an MBA in Strategic Design from Thomas Jefferson University and was named to the Philadelphia Business Journal’s 2023 “40 Under Forty” list. Her prior experience includes serving as Project Director for the U.S. Department of Transportation’s Mid-Atlantic Region Small Business Transportation Resource Center. She is a strong advocate for inclusive economic development and equity in entrepreneurship.
Julia Danzy, Ex-Officio
Julia serves as an Ex-Officio member of WORC’s Board, bringing a distinguished career in public service and child welfare. She was among the first nine members appointed to the reestablished Philadelphia Board of Education and has dedicated decades to advancing the well-being of Philadelphia’s children and families.
Her background includes leadership roles in the Pennsylvania Department of Welfare, Philadelphia City Council, and the Philadelphia Department of Public Health, where she served as Deputy Commissioner for Children’s Services. Julia holds a Master of Social Work from Columbia University and a Master of Government Administration from the University of Pennsylvania. Her deep understanding of public systems and community needs informs WORC’s strategic direction and community impact.
Annual Reports
Transparency and accountability are central to our mission. Each year, WORC publishes an Annual Report highlighting our impact, financials, and the stories of entrepreneurs and families we serve.
"Without the guidance and access to capital I received at WORC Beautiful Beginnings wouldn't be an essential part of it's neighborhood"
Lalita Paris, Beautiful Beginnings Childcare, WORC Business Loan and Start Smart Training Graduate
Client Success Stories
Pamela T, Owner of Pound Cake Heaven
Pamela T., owner of Pound Cake Heaven and a U.S. military veteran, set out to become her own boss and model entrepreneurship for her daughters. After completing an extensive cake decorating program, she opened a bakery just outside of Philadelphia. As demand grew, so did the need for more space.
With support from a $15,000 microloan from WORC, Pamela expanded her business. When COVID-19 hit, she was operating out of three locations and employed two staff members in addition to herself.
“We had to close all of our sites except the original location in Yeadon,” Pamela recalls. “It was scary. All my dreams felt like they were slipping away.” She was forced to lay off both employees, though one has since been rehired.
Facing the possibility of closure, Pamela again turned to WORC and received a $4,427 Paycheck Protection Program loan and a $20,000 grant—critical resources that helped her weather the storm.
“This made all the difference,” Pamela says. “We were able to advertise, hire an additional employee, pay our bills—and we even reopened our Kensington location.”
Kayla S., Owner of Retro Pilates
Kayla S., owner of Retro Pilates, turned her dream into reality by investing $1,500 of her own savings and securing a $3,000 matched investment to open her studio in Fishtown, Philadelphia.
“I held a comprehensive Pilates certification from Equinox Fitness Clubs, but I lacked the funding and resources—especially due to the impacts of COVID-19,” Kayla shares. “I’m grateful for the support WORC provided, including the FSA Program, a PPP loan, a business loan, and refinancing that helped me secure equipment at a lower cost.”
Thanks to this support, Retro Pilates has grown into a sustainable business. “My business has significantly benefited,” Kayla says. “I’m proud to say that Retro Pilates is not only paying its bills, but has already begun to turn a profit.”
Amber C., owner and operator of Perfect Choice Cleaning Services, a business whose sales was were impacted significantly by COVID-19 particularly in 2020 due to physical distancing requirements. Amber participated in WORC’s FSA program, and upon successfully saving $1,500 was matched $3,000 by WORC. Additional resources including Paycheck Protection Program loans and COVID-19 emergency grants gave Amber the buffer needed to survive a downturn in business.
Leona V., owner of Polish Nail Lounge
Leona V., owner of Polish Nail Lounge, was in the midst of expanding her business when the COVID-19 shutdown brought operations to a halt.
“We were in the middle of an expansion when the shutdown happened, and the financial impact was devastating,” Leona shared. To stay afloat, she received $35,000 in COVID Relief grant funds and a $20,000 Paycheck Protection Program loan in September 2020.
“There’s no way to fully recoup what we lost,” she said. “But this grant allows us to maintain the business the way we once did. We’re operating at about 50% of our previous income, but at least we can get through to the next quarter and survive. Without this support, we wouldn’t make it.”
Kathleen Curry, Receipient of Emergency Savings Program
“When I first applied, one of the requirements was to save $500 on my own—and I was able to do so in just three months. At the time, I was working part-time at a salon, about 16 hours a week, while building my business and continuing my education. I made an intentional decision to save every cash tip I earned during my weekend shifts. I packed my lunch and snacks, avoided unnecessary spending, and put my tips away immediately so I wouldn’t be tempted to spend them.
That discipline made all the difference. Not only did I reach my savings goal, but I also developed a habit that I continue to this day. Saving my tips has helped me build financial stability, confidence, and a greater sense of control over my future. Having an emergency fund now gives me peace of mind and allows me to focus on my long-term goals without constant financial stress.
Receiving this matching grant from WORC felt like true validation that my efforts mattered—and that I am not alone on this journey. Your support has strengthened my foundation and encouraged me to keep moving forward with intention and purpose.
Thank you for believing in women like me and for providing resources that truly change lives. I am honored to share my story and hope it inspires others to believe that small, consistent steps can lead to meaningful financial growth.
With sincere gratitude,
Kathleen Curry 😊"
Anajah H., Recipient of the Business, Family Emergency and Home Puarchase Savings Programs Grant
Anajah H. is a mother living in North Philadelphia who hasworked hard to build financial stability for herself and her children. After graduating from WORC’s Self-Employment Training Program in 2022, Anajah was eager to continue strengthening her financial foundation by participating in WORC’s Incentive Savings Programs.
Since then, she has successfully engaged in multiple savings tracks:
- Business Savings | Graduated 2025 | Saved $1,500, Matched $3,000
- Family Emergency Savings | Graduated 2025 | Saved $700, Matched $300
- First-Time Homeownership | Active | Saving $2,000, To Be Matched $4,000
Like many WORC clients, Anajah entered the program with limited savings due to low household income. Through WORC’s matched savings programs, she has been able to create a financial safety net for unexpected expenses, support her growing business, and take meaningful steps toward purchasing her first home—laying the groundwork for long-term financial security.
“I have had the honor to work with WORC in recent years. They have helped me become financially stable. Through the help and support of the programs, I have been able to build a better future for me and my children.”
— Anajah H.
Ellisarh J., Founder and Owner of Behavioral Health Solutions INc. (BHSI)
Ellisarh J. is the founder and owner of Behavioral Health Solutions Inc. (BHSI), a behavioral health agency she launched in 2009. What began as a home-based business grew into a thriving organization offering in-home services, community support, individual therapy, companion care, and parenting programs, with a location in Elkins Park, PA.
Despite the challenges of the COVID-19 pandemic, BHSI continued to expand with the support of dedicated staff and strategic funding. By 2023, the agency had grown to 5 full-time and 22 part-time employees and had outgrown its operating space.
With assistance from WORC, Ellisarh secured a $275,000 commercial real estate loan and a $13,617 grant through the CDFI Fund’s Equitable Recovery Program, enabling BHSI to purchase a permanent, mixed-use storefront property in March 2024.
With more than 15 years of experience, Ellisarh views this milestone as an investment in both her business and the Philadelphia community—where nearly all of BHSI’s staff and clients live—positioning the agency for long-term growth and impact.
Gail M., Owner of Heart That Matter Most
Gail M. is the owner of Heart That Matter Most, an adult day care center serving older adults in Philadelphia’s Mount Airy community. The center provides health monitoring, supervision, nutritious meals, and engaging activities, all guided by a mission to ensure clients experience their golden years with peace and dignity.
A master’s-level social worker with over 20 years of experience in nursing home care, family therapy, mental health, and hospice services, Gail is also a former WORC training client. She continued working with WORC through technical assistance and financing support to strengthen her business.
Although her initial loan request exceeded standard debt-to-income guidelines, WORC partnered with Gail to structure a solution by combining a $15,000 loan with a $10,000 grant. This support allowed Gail to stabilize operations, address business expenses, and invest in growth—ultimately doubling her clientele from 7 to 14 clients and expanding her impact in the Mount Airy community.