Choosing a Banking Relationship with Great Care

Carlyle House

Dennis Morgan, Administrator of Carlyle House

It’s long been said that quality healthcare is about “delivering just the right services at the right time in the right place.” It’s something that Dennis Morgan, a successful entrepreneur and Administrator of Carlyle House, a 55-bed skilled nursing facility in Framingham, knows very well. But Morgan also believes that this same standard of care applies not just to healthcare companies, but also to business banking relationships.

“I’ve had several careers and spent the last 20 years in healthcare, so I’ve been around a lot. The one thing I’ve learned is that a good bank is critical to your success. Our most recent expansion is proof. We wanted to expand Carlyle House and needed a bank that understood our industry, what we were trying to accomplish, and was willing to take a chance on us.”

Fortunately, Dennis didn’t have to go far to find that bank. “We knew we could count on MutualOne. We’ve been banking with them for more than 20 years and they have always had the willingness and desire to understand our needs.”

Over the years, MutualOne has also been there to accommodate Morgan’s other plans for growth and expansion. “In addition to Carlyle House, I own a rehabilitation facility and a hospice business. As we started to grow and gain more contracts, I worried that MutualOne would be too small to handle our needs, but they’ve been so nimble and willing to adapt to our changing needs. You just don’t find the expertise, accessibility, and support they provide at bigger or even smaller banks.”

Looking for a business bank that can provide exceptional care to your business? Call David Flynn at 508.532.8351 today. To learn more about Carlyle House, visit

Brewing Success for Family-Owned Business

Jack, Eric, and Sam Hendler

What does it take to develop a new and successful business? An entrepreneurial spirit? A growing market? Family values?

For local brothers, Eric, Jack, and Sam Hendler, it took all of that – and something extra – a special craft. Or more specifically, a craft for making beer. The three brothers are co-owners of Jack’s Abby Craft Lagers, a Framingham-based craft brewery and restaurant they founded in 2011.

The brothers were able to capitalize on a growing trend – the popularity of craft beer – and to leverage the family and working values they experienced in their youth while working at their family’s ice-distribution company.

Though the business is just four years old, the bottom line the company has been able to build speaks volumes – with growth of 490% in cases of beer sold. It’s that growth that prompted the brothers to expand their facility from a 6,000 square-foot warehouse to a new 67,000 square-foot facility that features a brewery, tap room, restaurant, and retail space.

When they needed funding to finance their expansion, they didn’t need to look very far. “We talked to a few banks, but MutualOne was the one that came through for us. They were really excited to be part of a project that would help build downtown Framingham,” said Sam Hendler, Co-owner.

Mutual One’s willingness to help hasn’t stopped with just the financing. “We’re pretty young and sometimes need a little guidance. MutualOne has been there every step of the way to offer us helpful advice and tips,” added Hendler.

Looking for a banking relationship to support your business growth? Call Brian Ledwith at 508.532.8366 today. To learn more about the success of Jack’s Abby Hall, visit

Creating a Brighter World Through Innovation


Danny & Dinesh Wadhwani

How can you build an award-winning multi-million dollar global business that has a world of impact on business bottom lines – and the entire planet?

For brothers, Dinesh and Danny Wadhwani, it started with a bright idea – to find an affordable and efficient way to help larger companies convert to LED lighting. Unlike residential consumers who could just purchase LED bulbs and insert them into lighting systems, larger businesses had to replace their entire lighting fixtures to convert, resulting in significant costs and poor return on investment (ROI). In 2009, Dinesh Wadhwani found an innovative solution to this challenge: custom LED bulbs to fit existing commercial fixtures.

That idea helped spawn ThinkLite, a Natick-headquartered company with operations in 14 countries, which custom designs, manufactures, distributes, and installs energy efficient retrofit solutions to commercial customers and governments.

In 2014, the company continued its track record of innovation when it developed new high-output driverless T5 & T8 LED Tube lights, which reduce energy consumption as much as 60%. Powered by this new driverless technology, the company is able to make an immediate difference to any company’s bottom line, and is projected to reach double-digit million in revenue for 2015.

This awe-inspiring success recently earned ThinkLite recognition as the top young company in the nation in Inc. Magazine’s Top Under 30 for 2015.

Danny Wadhwani shares one of the reasons for their success. “When we needed capital to grow our business, we turned to MutualOne. They really understood our business model and have been innovative in helping us fund our projects. They’ve been there for us every step of the way.”

Visit to learn more.

Hammering out a great partnership

ExceptionalAutoAccidents happen. And when they do, the pros at Exceptional Auto Body in Framingham can perform magic, making any mangled car like new again. But when owner Robert Lopez wanted to move his business to its current Blandin Avenue location a decade ago, he needed some financing magic.

“It used to be a junkyard that the town had taken over due to back taxes, so there were definitely some issues, including site cleanup,” Lopez recalls, noting that he had his doubts whether any bank would finance it. Until he called Larry Erickson at MutualOne Bank (then Framingham Co-operative Bank).

“I had a small business with no history. But Larry took a liking to my plan and backed me up on it,” Lopez says, noting that the Bank financed the site cleanup under the federal Brownfields Program, as well as construction of his facility. “If it wasn’t for Larry and the Bank, I wouldn’t be here today. They made it happen.”

Since then, Mutual One has supported Exceptional Auto Body’s growth, through equipment financing, vehicle loans and a commercial line of credit. “It’s been a great experience. They make the process so easy and personable,” Lopez says. “They have always been there for me, even through tough times.”

Lopez admits that he now gets calls from other banks frequently. “I just tell them I’m in bed with MutualOne Bank and I’m very happy. I would never leave.”

Ready for a banking partner totally fixed on your business success? Call Michael Bilinsky at 508.532.8305 or Steven J. Sousa at 508.532.8308 today. Learn more about Exceptional Auto Body at

Quality, integrity, and unmatched customer service.

The foundation of success.

M1BTo craft a quality home or development, you need more than just skilled labor and the right materials; you need a strong foundation on which to build. Brendon Homes – the quality home builder of choice for high end homes in the MetroWest area – has built upon a foundation of quality, integrity, and service for more than 25 years. That foundation is why the firm, which crafts condominiums, townhomes, developments, and luxury residences, has managed something that few builders have been able to do in recent years – grow.

Founder and President Kevin Giblin believes that the firm’s success would not have been possible without the support of their trusted banking partner, MutualOne. “MutualOne has always had a strong interest in helping us succeed. At a time when other banks weren’t lending, they were there for us. They have supported our plans and are always creative in helping structure financing to accommodate our needs. We have mutual respect with MutualOne,” said Kevin.

Brendon Giblin, Vice President of Brendon Homes, who works alongside his father, adds, “When the economy got challenging, we didn’t scale back; we adjusted our business model and used it as an opportunity for growth, aided by MutualOne Bank.”
The strong working relationship between Brendon Homes and MutualOne has resulted in the construction of several luxury homes and new housing developments that help strengthen local communities, including Deerfoot Estates, a luxury home development in Southborough.

Ready for a banking relationship to support your business growth? Call Michael Bilinsky at 508.532.8305 or Steven J. Sousa at 508.532.8308 today. To learn more about the extraordinary work of Brendon Homes, visit

“I wouldn’t build a home I wouldn’t be proud to live in myself.”
— Kevin Giblin, President, Brendon Homes

Taking a shine to local business

Autobright_LogoWhen you need a great car wash, oil change or fill up, Auto Bright Car Care on Hollis Street, Framingham, is your one-stop solution. When second-generation owner Nick Kanieff needed to refinance his company’s debt, MutualOne Bank really came through for him.

A former banker turned second-generation car wash owner, Nick says he shopped the loan package to about 30 banks. “Nearly all of them turned me down,” he recalls, noting that his was a complicated deal, involving lots of “moving parts”—including an environmental cleanup of the car wash site. And this was in the middle of the financial crisis, when capital was scarce.

“MutualOne Bank really stepped up to the plate,” Nick says. “They treated it as a very important deal and gave us a lot of attention. Whenever I had a question, I could pick up the phone and talk to a decision maker right here in the community.”

Nick says it was the smoothest, most cooperative loan process he ever experienced. He says the difference was MutualOne’s emphasis on relationships. “They knew us, they knew our business and they knew that despite the challenges we faced, it was a blip on the radar screen.”

Today, business at Auto Bright is better than ever. And so is his relationship with MutualOne Bank. “I see them all the time. All the people at the bank come to Auto Bright to get their cars washed and their oil changed!”

Ready for a banking partner who takes a genuine shine to your business? Call Michael Bilinsky at 508.532.8305. Learn more about Auto Bright Car Care at

Raising the tempo on growth

RhythmDanceCoWhen Nicole Newman Kelley decided to make the leap to her own dance studio, she called MutualOne Bank. “The team at MutualOne is wonderful,” Nicole says. “They know me, they know my business, and they have stood by me right from the start. I could not have done this without MutualOne.”

For the young dancers who flock to Rhythm Dance Company in Westborough, it’s an experience that combines fun, self-discipline, and personal growth. For Nicole, it’s the fulfillment of a lifelong dream.

“I always knew I wanted to teach,” says Nicole, a dancer since age three. “It’s so rewarding to watch the growth in the students, whether they are dancing for recreation or are more serious about it.”

Nicole says dance helps kids build self-confidence and poise. But that’s just part of the story. “Our goal is for every student to get into the car after class and say ‘Mom, that was so much fun!’,” she explains. “They build friendships that honestly last forever.”

Nicole’s approach has struck a chord. Since starting the business just a few years ago, Rhythm Dance Company has grown to nearly 400 dancers and a staff of 10 instructors. Now that Rhythm Dance Company is on a roll, Nicole couldn’t be happier. “I get to do what I love every single day. What’s better than that?”

Ready for a banking partner that knows all the right steps?
Call Michael Bilinsky at 508.532.8305. Learn more about Rhythm Dance Company at

A Full-Service Institution

Mabardy_GulfDowntown Natick has seen many changes in the past 44 years. But Mabardy’s Gulf Service at 36 South Main Street is still serving customers the way owner Mike Mabardy’s father did when he opened the business in 1968.

“We’re the only full-service station left in town,” Mabardy notes. “We still pump your gas, wash your windshield, and check your oil or tire pressure. A lot of people appreciate having a place where an attendant greets you and waits on you.”

Whether you need a tow, a tune-up or a state inspection, Mabardy’s Gulf has you covered with a team of trained, certified technicians. Some of those employees have been there for decades. “When customers come in, they see the same familiar faces,” Mike says.

“My employees are great. They try to make every customer feel special.”
Giving back to the local community is also a Mabardy family tradition. “My parents were dedicated to helping people and I’ve tried to pass that on,” says Mike, who has children serving in the Natick fire department, police department, and schools.

Given his strong link to the community, Mike says MutualOne Bank is the perfect fit for his business. “They give me the same personal attention I give my customers. And the Natick office is outstanding, making my banking even more convenient.”

Ready for a business bank that knows the meaning of “full service”? Call Michael Bilinsky at 508.532.8305. For more information on Marbardy’s Gulf Service, call 508.655.7578.

Calendar of commercial success

In this age of instant digital communication and short attention spans, there’s one advertising medium that still offers exposure 365 days a year: the calendar on the kitchen wall. “On display every day” is the watchword of Town Planner of MetroWest, publisher of an advertising-supported calendar that reaches homes in seven local communities.

“For businesses trying to reach the local market, the marketing options are limited,” says owner Janet Sheehan Drummey. “The Town Planner Calendar helps businesses reach local customers, without wasting money buying exposure outside their target market.”

Even with today’s technology, Janet says the Town Planner Calendar is relevant and useful to families.

“Surveys show that 85% of families hang the calendar and use it,” she says, noting that it includes a wealth of local information – from school schedules and town events to emergency phone numbers and recycling information. “Families rely on the Calendar to organize their busy lives.”

Janet continues, “Our advertisers are remarkably loyal to the local community. While most market through other media as well, they see the Town Planner as an important vehicle to reach consumers and grow their clientele because it is local, targeted, and cost-effective. It provides the visibility they need to remind local consumers frequently of their goods and services.”

When it comes to managing her business banking, Janet has relied on MutualOne Bank since she started her business 20 years ago.

“My business is community-focused and so is MutualOne Bank,” Janet says. “When I go to the Bank, I know the people and they know me. I really appreciate that community feeling from my business bank.”

Janet sees continued growth for the Town Planner of MetroWest as more local businesses recognize the value of geographically-targeted advertising in tight economic times. And MutualOne Bank will be there to help.

Is business growth on your calendar? Call Michael Bilinsky today at (508) 532-8305. You can reach Janet at (508) 879-7655.

Rock Solid Success

Whether you’re building a custom countertop, a dream vanity or a heavenly hearth, there’s nothing like the ageless beauty of natural stone. And no one knows high-quality stone surfaces like Sudbury Granite & Marble, with four locations in Massachusetts and Connecticut. For owner “Moe” Coelho, finding exciting and exotic new stone offerings is a way of life.

“I pay attention to new trends in the marketplace,” Moe explains. “Then I go to Brazil and personally select materials with new colors and patterns that I can introduce to the U.S. market. I always strive to find something unique.”

Sudbury Granite & Marble does it all – from purchasing raw material at the source to processing and cutting the stone to meet customer requirements and providing custom installation. But that’s not all.

“We also provide our customers with information to help them make the best decision and understand why to select a particular material,” Moe says. “Our priority is to educate the customer to ensure their complete satisfaction for years to come.”

Recently, Sudbury Granite & Marble expanded its capabilities with the purchase of sophisticated, new stone fabricating equipment. And MutualOne Bank provided the commercial financing to make it happen.

“We’re able to introduce new technology to our business because we have MutualOne Bank as a partner,” Moe says. “They believe in our business. This is truly a long-term relationship.”

Ready for a rock-solid banking partner? Call Michael Bilinsky today at (508) 532-8305. For more information on Sudbury Granite & Marble, visit