After working as a technician for five and a half years, Rick branched out and started his own event planning company in 1993. His company is now a full service party planner, which organizes corporate events, private parties, karaoke nights, weddings and much more. Along with the planning aspect, he also provides DJ services when needed and has recently purchased a photobooth, which he rents for his events as well as other independent events. Currently, the company gets 90% of their clients from referrals and word of mouth. However, they continue to see steady growth. Rick would like to see his business continue to grow and thinks that more consistent growth would occur with a better marketing scheme. This loan would be used to increase marketing for the company and secondarily as a credit builder.