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Lendio Success Story: Dennis Stebbins of Green Leaf and Pebble Tea Spa

I recently had the opportunity to talk with Dennis R. Stebbins of Green Leaf and Pebble Tea Spa about his experience starting his business, running it and finding a loan through Lendio to improve his business. Here’s his experience with Lendio along with advice for small business owners in his own words.

Tell me a little bit about your business.

Green Leaf and Pebble Tea Spa, in Virginia Beach, VA, is a full-service medi-spa integrated with a totally organic, loose leaf, fair trade based tea shoppe so as to provide the customers and guests a total health and wellness experience.  

tea shop business loansIn the spa, we provide a full line of skincare treatments, a wide variety of bodywork (massage) modality services, an Infrared Sauna experience and opening just this next week; a Himalayan Salt Spa treatment room.  Our services and treatments in the spa combine modern and ancient methodologies to give one as wonderful spa experience as possible.  

With regard to our tea shoppe, we offer over 90 organic teas, all with numerous health and wellness benefits, as well as having a full line of tea accessories for our patrons.  Our extensive selection of organic teas are specially chosen for their therapeutic benefits, as well as for their great aromas and flavors.  Complimentary teas of choice are served our spa patrons after their sessions.  Customers of the tea room have the option to purchase individual cups of hot or iced tea or any of our organic teas in bulk.

In the 3 years we’ve been open, we’ve won over a dozen local and regional awards and honors for our services, both on the skincare realm, as well as with our massage services.  We were selected and certified in 2014 as the first EcoSpa in the United States and more recently, we were selected as a State of Virginia – Virginia Green tourist attraction for our unique spa and environmental / eco-friendly operations.   

Why and when did you start it?

We incorporated our business in September of 2012 and opened the doors of our business on November 19th of 2012 after an extensive build-out of the facility we leased.  My wife, Katherine, was/is a Master Aesthetician and had worked in the industry both as a practitioner and manager prior to our spa’s incorporation.  Katherine, who also has a management degree, came to a point in her life where she felt she could run a successful spa business on her own – thus, the conception of the business.  

How did you get the initial capital to start your business?

Initial capital of approximately $120,000.00 for Green Leaf and Pebble Tea Spa came directly from all of our life savings.  We believed in what we were doing, so we jumped in with both feet – “believing” we could swim.  No additional investors were initially involved.  After a few months in operations, we brought on one minor investor to assist us for an immediate financial need for capital, in the amount of $5,000.  

What keeps you going? What’s your passion that drives your business?

We have had very scary struggles in building the business, especially over the course of the first couple of years when we didn’t know if we would be able to stay in business more than a few more days.  The scare or risk factor was ever-present, primarily in having the need to constantly build business by bringing in clients for our spa services and customers for our tea business – alas, revenue.  As we steadily built our business, however, we found that steadfast focus and faith in what we were doing was the best course of action.

I don’t think there is ever a time, as an entrepreneur, that one is not nervous about one’s business success – but confidence in what one does builds as the days go by, especially when seeing the return on investment coming in along with customer repetition.  What drives the passion for our business?  The simply complex answer to that is the desire to provide customers excellence in service in every aspect of our operations, to serve the community with a decent and honest business environment for our customers to enjoy and, of course, the passion to be successful.  Once the passionate focus of striving for success, no matter the challenges, departs one’s consciousness, it becomes easy to fail.

Failing is not in my mindset, my wife’s mindset, nor that of our staff.  In 3 years, we have built our business from just the two of us to a staff of 12 and we are still looking to bring more staff on. Certainly, we don’t want to let our staff and their employment go by the wayside, nor do we want our customers to lose a place in their lives wherein they can get wonderful spa services, great customer service and be in a beautiful, peaceful and pampering environment that we have striven so hard, every day, for them to gallery business loan

What did you need funding for?

One year ago, we expanded our operations by acquiring the lease of the office unit next door to us.  This expansion doubled our size, allowing us to add three more spa treatment rooms, an employee lounge, a storage room and an expanded customer lobby for our Tea Shoppe.  At the time we expanded, we found two lending sources that were not Lendio associated.  At the time, we had not heard of Lendio.  The loans were expensive and another risk based upon our financial needs.  We successfully struggled through them to complete 90% of our expansion build-out before those funds ran out.  We still needed capital, so we sought out a new financial partner which ended up being Lendio.  

How did you find Lendio?

Because the customer service of the two financial firms we previously utilized was horrible, we sought out a new lender.  We found Lendio thanks to a web-based ad that made the firm and its services seem perfect for what we were looking for.  It was worth checking out, which we did.  It only took a few minutes of our time to realize that the Lendio financial consultant we spoke with cared, really cared about what our needs were. Customer “service” was the initial key to us using Lendio.  Needless to say, Lendio followed through with everything promised.   

How was your experience with Lendio?

Our experience with Lendio has been, from the onset, nothing less than wonderful.

How was your experience with your Lendio rep?

Our Lendio representative was/is Ms. Meghan Finning.  We have nothing but wonderful things to say about Meghan and the over-the-top, superlative customer service she has been providing us.  She is a wonderful representative of Lendio and certainly a person everyone in the business lending industry should consider emulating.  She knows her stuff and she is wonderful, as well as professional, in what she does.  To top the cake, she listens and cares about our business and our success.  She is not just out to bring in clients for loan offerings, she is there for her clients every step of the way as a means to build the professional relationship and to help one’s business grow.

Would you recommend Lendio to a friend?


What general business advice do you have for other small business owners?

Stay the course in following your passion and never give-up on your dreams of success.  Perseverance, stamina and having the guts to work through the toughest of times will bring success as long as your motives are honest and ethical.

You can find out more about Green Leaf and Pebble Tea Spa here. To get started with Lendio, you can fill out the popup form or go to

About the author
Kolby Larsen

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