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Jerry Sebby likes being between a rock and a hard place. That’s because he depends on boulders, stones and even pebbles to make a very good living.

Sebby owns KRC Rock, a 55-employee company established 20 years ago in San Marcos. With a unique boulder delivery and placement system, Sebby’s firm tapped into a growing landscaping trend of using stones as decorative accents in yards and interior atriums.

By 2003, KRC had outgrown its leased facilities and Sebby realized it was time to buy. He found a 4.5-acre site and set the wheels in motion to purchase it and build a new headquarters facility — a $4.3 million price tag.

California Bank & Trust recommended an SBA 504 loan and suggested linking up with CDC Small Business Finance. The 504 loan allows entrepreneurs to buy their facility with just 10 percent down.

“My bank likes working with CDC and I found out why,” Sebby said. “They organized all the paperwork nicely so it didn’t become time consuming. And whenever I had questions, CDC had answers and was very reliable. The entire process was quite easy and smooth.”

Now settled into his new headquarters, Sebby’s optimistic about KRC’s continued success. And why not? He built it on solid rock.

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