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National banks lag behind there because local banks work harder to network with the businesses in their communities. When local banks are not available, instead of applying to larger loan institutions, many Latinos turn to friends, family and crowdfunding for seed money.

In Salinas, a small city surrounded by rich agricultural land, U. Census Bureau data shows Department of Labor. Still, Latino entrepreneurship is evident in Salinas.

Latino-owned restaurants, barbershops, grocery stores, showrooms and more have risen out of the landscape all over town, tucked into plazas and surrounding big box stores.

Marlene Garcia, 29, is the proprietor of a homebrew operation turned commercial brewery that will open in Salinas in the spring.

The growth is notable on a side of town that is historically inhabited primarily by white residents. Her parents, Graciela and Gildardo, worked in fields after immigrating to the U.

Then, they would turn around and sell them at the Santa Cruz weekend flea market in central California, dragging their children with them.

It was there that Garcia learned the dedication it took to run a business, even as she told her parents she never wanted to own her own operation.

I remember telling my parents, 'I don't want this, I don't want to go into business. They named the store La Flor de Jalisco.

She credits her mother's help in allowing her to so far not rack up debt and interest rates. Although the space is still unfinished, Garcia has big plans for her small brewery.

She wants large, stainless steel canisters in the back, behind a large pane of glass so brew enthusiasts can watch the brewers at work as they sip on suds.

She hopes to connect with other business owners in the area to cross-promote, whether it be with the cinema next door or the sandwich shop across the street.

If she wouldn't seen that reaction, it would have been harder to convince her. Osornio's family has a saying whenever they have to pay for something.

The joke is based on Osornio's father. Years ago, when he was purchasing a car for his wife, the salesman asked him if he wanted to finance.

Despite the financial savvy his father displayed, Osornio said his parents rarely talked money management with him. All he recalls was being told credit cards were for emergencies only, a lesson that, like many teenagers, he immediately disregarded as soon as he got one of his own.

The experience of wiggling out from under a pile of debt taught Osornio that he wanted applying for a loan to be "a last resort. Years later, Osornio has managed to build such a successful business with his unique torta recipes that he routinely fields offers from locals to invest in or outright purchase his business -- and his recipes -- from him.

And that, advocates have said, is the hidden silver lining for Latino entrepreneurs: even more untapped potential.

Advocates say that, given a chance, Latinos could grow their portion of the economy even further. How do we get more wealth? Grow businesses.

Kate Cimini is a multimedia journalist for The Californian. Call her at or email kcimini thecalifornian. Latino small business owners are the fastest-growing group of entrepreneurs in the U.

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David Rodriguez, The Salinas Californian. Marlene Garcia, 29, the proprietor of a homebrew operation turned commercial brewery that will open in Salinas in the spring I am honestly so thankful for my parents, both of them.

Because of them, because of the way they saved, because they saved, a lot of the money that has been invested came from my mom. Osornio's Don Cheeto is one of the most popular items on his menu.

Jerry Porras, a professor of organizational behavior and change emeritus at Stanford Business School, co-founder of the Latino Business Action Network, a nonprofit out of Stanford University focused on empowering Latino business owners, and co-director of SLEI By and large, I think Latinos are very unsuccessful in securing loans from the more professional sources.

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