Business Loans & SBA Loans in Utah

Meet Anna Richey and Zach Fackrell, the founders of Zaana Jewelry, a husband-and-wife team who launched their business the same month they found out they were expecting twins. What started in a condo bedroom quickly outgrew its walls, went viral, and turned into a full-scale retail operation. Watch their story and find out how Lendio helped them take the leap from basement to brick-and-mortar.

Zaana Jewelry's Story

Zaana Jewelry was built on a simple idea: jewelry is an expression of who you are. Every piece is designed to be the finishing touch — what Anna describes as "the cherry on top of your outfit." From day one, the brand was a true family operation. She handles the design and creative vision. He handles the strategy and site. Together, they turned a bedroom side hustle into a nationally recognized jewelry brand.

They launched entirely online, shipping orders from a condo while navigating a pregnancy. As the business grew, so did their ambitions. A viral video with 1.5 million views in the first 24 hours made clear that demand was real, and that a basement wasn't built to handle it.

The couple knew in-person shopping would be a major draw for their customers. But opening a retail storefront meant one thing: they needed capital, without disrupting the cash flow that kept operations running.

That's where Lendio came in. Rather than dipping into their reserves, Anna and Zach leveraged financing through Lendio to cover the costs of their new location while continuing to run payroll and fulfill inventory orders. The result was a business that didn't just survive the leap — it accelerated through it.

"Lendio and funding has really helped with the foundational side of Zaana," said Anna, "and helped me focus on what's so important and what I'm best at."

The new storefront represents more than a business milestone. It's a place designed for community. Customers can come in, be with friends, feel at home, and feel confident. And for the founders' twins, now growing up watching their parents build something from nothing, it's proof that anything is possible.

Meet Heather Beck, Owner and Founder of K9 Lifeline and Heather's Heroes. Like many small business owners, the businesses had to shut down when the global pandemic hit, but Heather knew her community needed her. Watch Heather's story and find out how Lendio helped her small business.

"Having funds from Lendio really helped us be able to push out our dog product line."

K9 Lifeline's Story

Heather Beck first started K9 Lifeline to provide a safe place for dogs to socialize and to help their owners create better relationships with their dogs so fewer dogs end up in shelters.

She came to Lendio looking for funds during the pandemic. Business had slowed dramatically, but she knew her community needed the services she offered.

Heather said the process of getting funding through Lendio was really easy with clear communication every step of the process.

"If I could describe Lendio with one word, it would be supportive.... Having those funds available really impacted how big that company is now," said Heather.

"While we did look around, Lendio was our first and then our final stop, we turned away all other companies in the process just because the ease of access, the the amount of offers that were on the table and the specifics about the offers."

— KEVIN RUDNY, OWNER

The desire to help others motivates thousands of people to enter the medical field every year, and Matt Jackson is no exception. But rather than build a career around medicine or writing out prescriptions, Matt found his passion in correcting biomechanical issues that affected people’s entire bodies. 

After toying with the ideas of physical therapy and podiatry (which, for all our non-medicine enthusiasts, is the study and treatment of disorders in the feet and lower extremities), Matt settled on chiropractic and earned his doctoral degree from Parker University in Dallas, Texas. Prior to his graduation, he was voted to serve as student body president. He was also selected to work in the Jackson, Mississippi VA hospital alongside their staff chiropractor treating veterans from all over the Gulf states. Then, in May 2018, Matt made the brave decision to open his own practice and signed the lease on Elevation Chiropractic Center in Millcreek, Utah.

“It’s been an extremely hard and scary experience to start my own business. My wife and I signed the lease 2 days after getting engaged, so while we’ve had a blast as newlyweds, it hasn’t been a walk in the park figuring out all the challenges that come with self-employment.” That’s how Matt describes running his practice, and it comes as no surprise to anyone who knows just how much time, money, and sweat he’s invested.

To finance Elevation Chiropractic Center, Matt used the interest he’d been collecting on a 12-year-old banknote to pay cash for the highest quality chiropractic equipment and software he could find. But not even staying out of debt and keeping a low overhead has guaranteed Matt’s success.

“Salt Lake City is a very educated, professionally saturated market. I don’t think people can go 3 blocks without passing a chiropractor’s office.” That’s the reality of Matt’s competitive landscape, and it’s one that forces him to continually try and convince clients to choose Elevation Chiropractic Center over the practically dozens of other practices they pass by every day. “It’s a revolving door of new patients,” as Matt puts it. Clients looking for chiropractic work want to come into the office, have their issues resolved, and get out of there quickly while spending as little money as possible. As a result, Matt finds himself spending most of his time “constantly restock[ing] the pond.”

To be successful in attracting new clients, Matt prioritizes being genuine and putting people first. “I have new patients coming in currently that have been keeping an eye on my social media accounts for years and finally are in a place to come in, and the reason they come in is that they see how I give back to the community and focus on service first, sales second.”

And Matt isn’t joking about giving back to the community. Not only is he a member of the Millcreek Business Executive Council and the Murray Chamber of Commerce, but he’s also a board member of the Utah Community Autism Network and a regular guest lecturer at Utah Valley University.

He also uses his office to give back to the community as often as he can. He used his office anniversary party as a chance to collect and assemble 173 packages for the Granite School district. These packages ranged from women’s hygiene to weekend meal kits and trauma snack packs. In June 2019, he set aside a portion of his patient fees so he could write a check for $500 to a local title 1 school educator to purchase supplies and resources.

“Be involved in the community that you want to take care of and let them get to know you as a person,” says Matt, “It’ll make the sales conversation so easy when it comes time for that.”

The results of Matt’s community-focused business mindset speak for themselves. Matt takes pride in the fact that his one-man shop has been in the black since day 1, even though he’s had to do literally everything from vacuuming the office to balancing accounts in QuickBooks. He credits much of his success to his supportive wife and her commitment to the business, despite having her own full-time job.

The growth of his business has been exactly what he wanted, and 2020 is looking to be one of his best years yet with plans to expand with the opening of a satellite office. At the end of the day, Dr. Matt’s business model is fairly straightforward. “Treat the patient like I would want my wife to be treated. Focus on the individual and their needs, really hear them as a person, not as a customer.”