Los Hornitos – Creating Chilean Delicacies

Los Hornitos

“My relationship with Community Capital has been much more than a loan – they helped me create a financial plan and continue to teach me organizational and management skills so I can make better business decisions.”

Monica Lorca, Owner

Support Provided:  Microloan for Expansion, SCALE graduate

Impact: Minority and women-owned business, 12 jobs created or retained

Business Background

It’s easy to miss Los Hornitos.  After all, it’s a tiny storefront located on Route 9 – a major thoroughfare in Dutchess County, dotted with a string of fast food spots.  But after 10 years in business, Chilean born Monica Lorca’s eatery has stood shoulder to shoulder with the competition and become a neighborhood gem. Day after day, a steady stream of customers line up for her Latin breakfast and lunch fare that includes empanadas, churrasco sandwiches, freshly baked breads, Dulce de Leche and her famous Tres Leches dessert.  Monica and her husband arrived in the US almost 30 years ago.  She recalls “I always knew I could do more.  But I was young, raising my kids and taking cleaning jobs to help make ends meet.”  In 2005 she had her chance.  Using personal savings, the Lorca’s began serving up an authentic taste of South America in a Chilean style bakery that reflects the warmth and charm of their homeland.  Originally most of her patrons were Hispanics but today, a truly diverse group of customers come for her freshly prepared offerings.

How We Are Helping

Having weathered various market ups and downs, in 2016 the Lorca’s were at a crossroads.  They had an opportunity to expand into the space next door but lacked the capital to make the deal.  Fortunately, one of Monica’s loyal customers who knew her story connected her with Community Capital.  Senior loan officer Simone Obermaier notes, “The Lorca’s had run their business for years without borrowing and essentially no credit.  However, if they wanted to grow they needed capital to do it.”  Community Capital recognized the potential and extended a small business loan to fund the expansion and equipment upgrades.  Monica says “Simone guided me through the entire loan process.  We worked together to create a cash flow statement and now I am enrolled in the SCALE training program.  Los Hornitos is getting bigger and I need to learn more. Community Capital is getting me more organized and helping me become a better business woman.”

To visit:

Los Hornitos, 1582 U.S. 9, Wappingers Falls, NY 12590

Phone: (845) 298-8683



Back to Top