Behind every strong small business is someone who sees what the owner is capable of before the paperwork tells the full story. At Raza Development Fund, Yunuen Tavares shows up for entrepreneurs in that way every day. She helps them build confidence, understand their options, and get the capital they need, which is why she’s such a valued part of the FINSYNC Network.
As part of FINSYNC’s growing partner ecosystem, Yunuen supports founders who bring big ideas and solid plans but need the right guidance to take the next step. Her work reflects the best of what the network is built on: people who care deeply about community impact and believe in the power of small business owners.
This Spotlight celebrates Yunuen’s approach and experience, highlighting what she sees on the front lines of small business lending and what truly helps owners move from stress to progress.
Why Access to Capital Matters
For Yunuen, the most motivating part of her work is seeing what happens after a loan closes.
She meets many founders who arrive with a dream and a plan, but feel stuck because they lack the financial backing to take the next step. Being able to bridge that gap is what keeps her going.
When capital flows, she sees more than just new equipment or a bigger space. She sees stability at home, new jobs in the community, and families who gain more security because a business owner finally got the break they needed.
“Access to funding can change someone’s whole trajectory,” she shares. That impact is what makes the work meaningful, even when the process is complex.
The Biggest Roadblocks Owners Face
First-time founders, Yunuen notes, are often resourceful and hardworking but find the funding process confusing and overwhelming.
Many business owners are surprised by how much goes into an SBA or traditional loan request. Application forms, collateral expectations, credit history, and financial statements can quickly feel overwhelming.
A few of the challenges she notices most often:
• Unfamiliar Requirements: Owners may not know what lenders expect or why certain documents matter.
• Limited Financial Documentation: Some businesses lack formal financial statements or clean records, even when they are performing well.
• Lack of Mentors: Without someone to walk them through the process, many founders feel they are “doing it wrong” and give up too soon.
These barriers regularly prevent even strong businesses from advancing. Yunuen tackles these challenges directly by acting as both a lender and a guide, ensuring owners understand the requirements and how to prepare.
A Success Story that Stuck
One client stays with her as a reminder of why this work matters.
The owner ran a strong, profitable business with solid cash flow and a relentless work ethic. Still, she kept hearing “no” from traditional lenders because she did not have enough collateral. Each rejection chipped away at her confidence, even though the fundamentals of the business were sound.
Yunuen and her team took time to understand the full story instead of just the gaps. They structured a loan that gave the business room to grow.
The results were clear:
◦ Revenue doubled
◦ New staff hired.
◦ The business moved from “stuck” to growth.
Watching that transformation, knowing that one approval unlocked jobs and stability for more than just the owner, is something Yunuen does not forget.
What Helps Owners Feel Ready for Funding
In her experience, confidence grows when the process feels transparent and supported.
Business owners feel more prepared when they know:
• What to Expect: Which documents they need, what lenders will review, and how decisions are made.
• How to Tell Their Story: Clear financials paired with a strong narrative about their business and goals.
• Who is in Their Corner: Having someone to walk them through the process, answer questions, and advocate on their behalf.
That kind of support turns funding from intimidating to achievable.
For Yunuen, everything begins with trust. When entrepreneurs understand what is ahead and feel seen by someone who believes in their potential, they are more willing to take that next step and move their business forward. That belief is why partnerships matter across the FINSYNC Network. It gives founders a way to connect with relationship bankers like Yunuen, people who take the time to understand their story and help them find the right path to funding.








