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Last Monday, something strange happened in Manhattan. A bank from one of the poor countries in the world in the Wall Street bankers’ neighborhood and said it would provide banking for the unbanked, namely small and micro businesses.

Well, the last sentence was partly built for effect. ’s Manhattan branch is not its first in the US: in fact, it is its third in as many years.

Since 2008 when it started operations in the New York City borough of Queens, Grameen America has lent more than $6 million to 2,800 borrowers, mainly women, living below the US poverty line. These borrowers, who used the money to invest in their small businesses, have, in turn, deposited savings of more than $350,000.

At the inauguration of the Manhattan branch, Nobel-laureate and founder of Grameen Bank, Mohammed Yunus said, “New York City is the world capital of banking. They do the banking for the whole world, but they don’t do banking for their neighbors, and we’re here to show there’s nothing wrong with doing banking with neighbors.”

I found myself thinking, ‘How true!’ Who would have thought Grameen would have had any takers in the capitalist heaven of the world, in the land of opportunity where businesses thrived on sheer merit (and collaterals).

But then, if you take a closer look, Grameen’s transition from Bangladesh to Brooklyn seems very logical and the timing just right. When it started in 1976 in Bangladesh, it challenged traditional banking views on who was creditworthy and who wasn’t. Yunus believed everyone is creditworthy, especially the poor of Bangladesh who were bearing the burden of highly expensive loans from moneylenders and yet surviving in some way.

Fast forward to 2008 and change locations to New York and Yunus has to defend his theory all over again. Banks in the US are very to small businesses, now more than ever before, never mind that it was the former who brought on the current credit crisis and that it is the latter who did comparably well in the recession and are, in fact, America’s best bet today.

Small businesses, the big bankers say, are risky to lend to, despite a federal subsidy and, reciprocally enough, small businesses think the government should have handed them the rescue package rather than channel it through unwilling banks. So, there is a relationship of distrust now between the two – something America could have very well done without at this juncture.

Contrast this with the community feeling which Grameen builds its business logic on. Grameen is not a charity. It doesn’t just give away money to people. It lends small amounts – the maximum first-time loan is of $1,500 – to people who want to start a business, however small, and have the necessary skills. And, peer pressure is about the only collateral that the bank takes advantage of. The system has worked beautifully in Bangladesh, now it’s Brooklyn’s small businesses’ turn. I have a good feeling about this.

This past week I participated in a Yoga Lunch and Learn through one of my corporate clients here in Columbia. It took about two hours out of my day and just a little work beforehand and the result was nearly an hour of free marketing time to clients that wanted to be there. It’s a great opportunity to get the word out about both what you do and why you do it better than your competitors. Selling yourself becomes a lot easier when you truly believe in what you’re selling. For those of you looking to expand the wellness community in your neck of the woods, consider a Lunch and Learn.

Putting Together an Effective Lunch and Learn

1. Finding a Venue

Corporations and larger businesses are always looking for Lunch and Learn ideas and free help. The easiest way to get started is to contact the human resource department in medium to large businesses in your town or city. Your best bet is businesses where there in an emphasis on work/life wellness. I work a lot with our zoo, a large employer that works hard to retain employees. Also consider law firms, health insurance companies, government offices, hospitals, and other corporations. Get creative and you’ll be surprised how many people are interested. Have a plan of what you’re going to do when you talk to the human resource department and talk about how what you do would benefit their employees.

2. Planning the Lunch and Learn

You’ll usually get about 1 hour to speak during the Lunch and Learn. Realize that people will drop in and out throughout the hour depending on work obligations. It’s best to give late comers a chance to easily slip in while you’re getting started, so you’ll definitely want to start by talking for a bit. Whether you’re a massage therapist, acupuncturist, yoga teacher, trainer, nutritionist, or any other kind of wellness practitioner, the bare bones outline of a Lunch and Learn remains the same.

As the still goes on over the Gulf oil spill, it got me thinking about corporate social responsibility (CSR) and small businesses. My first thought was if the term can be even applied to small businesses, as, by definition, it was invented for big companies.

But irrespective of the term used, small businesses undeniably have an obligation towards the community they derive their profits from. This may not be a much discussed topic, simply because it’s more glamorous to collar the big boys. But, considering that more than 90% of America’s business is small (and so it is of the world), there’s no letting off small-to-medium businesses, either.

And, I’m not just talking about environmental concerns here, though they are a big part of CSR, but also about the level of participation or interaction in general that the small business has with the community.

For instance, Delaware’s largest shopping center recently announced that from 11 July, it wouldn’t allow teens inside unless accompanied by an adult over 21 years of age. Mall officials said they were doing this because teens just got together there in large groups and, ahem, did hardly any shopping. Of course, Christiana mall is not the only one or the first to do this, but it’s definitely the one to have been struck back the hardest.

The teeming teens got together on Facebook to and they seem to have a growing fan following.

Several thoughts rush up to me:

1. Can a business remain insulated and hope to thrive? Does it have any duty to get involved with the immediate community it serves?
2. Is the Christiana mall case a particular instance of a business getting too popular for its own good?
3. Could the mall have done better by conducting a survey of the percentage of senior shoppers staying away from the mall on weekend nights because they wanted to avoid the teen crowd?

The way I look at this is banning teens was definitely bad PR. Things could have been handled more creatively, and perhaps, more profitably, like organizing rock concerts at weekends, for which they’d have to pay to get in, or create opportunities for impromptu purchases at the entry and exit points. (The rock concert option would not have helped the case for seniors at all though.) After all, today’s noisy teens are tomorrow’s adults with considerable purchasing power. Let’s also not forget that it is much easier for today’s consumer to be vocal and very good at spreading the word – good or bad.

The bigger point is, where do you draw the line between ‘Yes, this is good for my business. I’ll do it,’ and ‘My customers/the community may like this, but it may not necessarily be good for the bottomline. So I’ll pass.’

And, coming back to the environmental responsibility that businesses should have or claim to have, the is a must read. The companies who don’t make tall, green claims seem to be far more honest than the ones who put out half-truths.

Small wellness businesses need to think long and hard about how they spend they’re hard earned dough. You want to draw customers into the business to raise revenue but at the same time, it’s important to avoid spending too much money on advertising at first. It’s for that reason that you need to adapt your advertising budget to fit a smaller business. Your needs are different than a large business and you must adjust accordingly.

Here are some tips for drawing a crowd without spending too much revenue:

1. Offer Incentives in All the Advertising That You Do

Advertising is important. In my home town of Columbia we have a holistic magazine that many wellness businesses advertise in. The key is to stick out and one of the best ways to do that is to offer an incentive for customers to try out your business. For example, one massage therapist offers the first 1 hour massage for $40, a low enough price that most anyone can afford to come in and try it. Another idea is to offer a free trial visit if you’re a wellness business so that the customer can make sure that they like the services before investing too much money. These are all great ideas but it’s also important to carry through on the deal. Even if the initial visit is free, the customer needs to be treated as if the service was full price or the point of the deal is lost.

2. Utilize the Customers That You Already Have

Your customers already know and trust you so you want to make sure that you appeal to them. Create special deals for your regulars to keep them coming back. Consider presenting new products and services to them first. For example, if you’re starting a new type of massage therapy, present it to your oldest clients first and get them excited about the service. You could also announce new holistic treatments or products at your yoga studio in this manner. Your regular customers are always the ones that will invest the most capitol in your business and they should be treated as such.

3. Newsletters Are Crucial

It’s important to use your newsletter to advertise whenever you can. Customers get excited about newsletters if you put interesting ideas in them and it’s a great way to promote your small business. Promote your e-mail newsletter on your blog and social media profiles. A monthly newsletter is one of the best ways to keep clients in the loop within their wellness community. But the problem with committing to doing a monthly newsletter is having the material necessary to fill the pages. It’s important to include information that will draw in the reader and keep them coming back for more knowledge. And while it’s important to include events, workshops, and schedules, additional information establishes your business as a resource.

Offer print out coupons and incentives in the newsletter. Interview your customers and put the interviews in the newsletter. Each month here at we offer tips for what you can put into your newsletter if you run short of ideas so that you don’t start repeating yourself. Keep a sign-up sheet and a printout of your most recent newsletter issue near the cash register.

4. Offer Contests

If you have a yoga, pilates, or tai chi studio, offer challenges. If your students come a certain amount of times in a month they get a week free. Or even a certain amount of times in two months and they get two weeks free. This is especially helpful during the months of the year that you know business is light. If you have a wellness business like acupuncture, massage, or personal training, you can offer a drawing for free services where customers read your newsletter and enter through your website. Contests are a great way to keep customers interested.

More on Wellness Small Business:

Your brand is what carries your wellness business through hard times. It’s what makes or breaks your business and what separates you from your competitors. It takes a lot of hard work to build your brand and even more to maintain your stature within the wellness community.

Here are some simple tips for building your wellness brand:

1. What’s in a name?

3. Your Brand is More Than a Name

While the name and the lettering are very important, your brand is much more than your name. Your brand conveys your business’s key values. The best brands, according to marketing experts, highlight what customers already know about the company.

“You don’t really own your brand. Your customers own your brand,” said Brenda Alling, director of the marketing and communications department at Washington State University-Vancouver.

What does this mean for your business? Find out what people like the most about your business and allow that to be your brand. If you don’t know yet because you’re just getting started, brainstorm what you would like to be known for. If you’re an athletic trainer, do you always produce results? Is your spa a respite within a busy day? Are you a massage therapist that focuses more on pain management rather than relaxation? Is your yoga studio a place where students come to sweat and detox or is it more of a moving meditation practice? Think long and hard about what you want to be known for and then spread the message far and wide. As with your name, your brand must be consistent. Put it in your bio or mission statement on your website. Tell your customers your mission. Post it in the bathrooms and at the entrance. Put it on your Facebook, Twitter, and MySpace pages.

4. Keep on Doing What You’re Doing

Once you have your brand the best way to build it is to keep on doing what you’re doing. Live up to customer expectations time and time again. Make sure all your employees know that Serenity Now Yoga is all about serenity. No cell phones, no gossip, and no anger. It’s a quiet place where your customers can depend on finding serenity. At Gentle Touch Massage customers can be sure that you won’t be beating them up on the massage table and leaving them sore afterward. Whatever you do best, do it time and time again.

For a holistic practitioner, whether you specialize in massage, yoga, acupuncture, nutrition, or any other form of alternative wellness, the most difficult initial endeavor is generating clients. It takes hard work and commitment to your art to grow your small business and gain a following.

5 Tips for Building Your Holistic Small Business

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1. Join Your Affiliated Professional Association

Professional associations are a great place to learn more about your trade. Becoming a member of your affiliated professional association allows you to network with other practitioners and learn how they’re building their business and where the majority of their clients are coming from. You can learn about the hottest new treatments and news within your field. It also helps to build your resume when you’re a part of your field’s professional association. It’s also very important to be certified within your industry and this is usually closely affiliated with your trade group.

Helpful Professional Associations within Your Field

The American Massage Therapy Association

Yoga Alliance
The American Association of Acupuncture and Oriental Medicine

American Alternative Medicine Association
The American Dietetic Association
Nutritional Therapy Association

2. Network within Your Small Wellness Community

In order to be a viable part of the alternative wellness industry, it’s important to surround yourself with a community of faithful clients. For example, if you’re a massage therapist, acupuncturist, Reiki master, or other alternative medicine practitioner, consider building a relationship with a yoga or pilates studio. This way you can become the recommended treatment for a host of ailments. When a yoga student complains about their sacroiliac joints giving them pain, a yoga teacher could recommend your massage studio for pain alleviation. Generally speaking, many yoga teachers are massage therapists as well because the fields are so closely connected. It’s also a great way to get the word out about your business.

3. Consider Starting Part Time and Building Into Full Time Work

I wrote about this with regards to massage therapy but it’s also true of other practitioners. Start by working part time in spas, hospitals, physical therapy centers, hotels, yoga studios, and chiropractors. From there, you can refer business and build a clientele. If you charge less working independently and do a really good job, you’re sure to gain a following of clients that will become your repeat customers.

4. Separate Yourself From the Crowd

There are a lot of individuals trying to do exactly what you’re doing so you need to find your niche. What makes your work so effective? Why should I go to you rather than another Reiki specialist? Find a treatment that you do that others don’t. Be the best deep tissue massage therapist for sports injuries. Be the holistic pet specialist that cures anxiety- ridden adopted pets. You can choose any number of avenues but the important thing is that you find a niche and be the best at it in your field.

5. Become a Social Media Guru

about the use of social media especially with regards to yoga, but this also holds true for any form of alternative medicine. Word of mouth has always been the most valuable asset for a successful business, and now thanks to modern technologies, more specifically, social media, word of mouth has expanded to the click of a button. Twitter and Facebook can be truly effective tools for spreading positive words about your work if used correctly.