#Richmond Business Brokers

[fcbbrichmond]

How Business Brokers in Richmond, VA Can Help You Sell Your Business

Selling a business is a significant decision that involves a range of emotional, financial, and logistical challenges. Whether you are ready to retire, shift to a new venture, or simply want to capitalize on the value you've built, working with professional business brokers in Richmond, VA can greatly ease the process. These experts guide you through each step, from preparing your business for sale to finding the right buyer, ensuring you get the best possible return on your investment. Here’s how business brokers can assist and why First Choice Business Brokers Richmond Virginia is the ideal partner for selling your business.

1. Accurate Business Valuation

Determining the correct value of your business is essential to attracting serious buyers. Overpricing or undervaluing your business can either deter potential buyers or leave money on the table. Business brokers in Richmond, VA have the expertise to provide an accurate valuation based on the business's financial health, market conditions, and future growth potential. This ensures that your business is priced competitively, making it appealing to qualified buyers.

A broker will analyze key factors such as revenue, profit margins, assets, liabilities, and market trends in Virginia to offer you a well-researched valuation. With their guidance, you can confidently list your business for sale in Virginia at a price that reflects its true worth.

2. Effective Marketing to Qualified Buyers

Selling a business isn't just about listing it for sale—it's about connecting with the right buyers who have the financial means and genuine interest to purchase your business. Business brokers in Richmond, VA have access to extensive networks and databases of potential buyers. They also know how to create a strategic marketing plan to present your business to interested parties without compromising confidentiality.

A broker’s marketing efforts include highlighting your business's strengths and growth potential to attract serious buyers. With their targeted marketing strategies, they ensure that your business is seen by qualified individuals who are ready to move forward in the buying process.

3. Maintaining Confidentiality

One of the most important aspects of selling a business is ensuring that the process remains confidential. You don’t want employees, customers, or competitors to find out prematurely that your business is on the market, as it could disrupt operations or lead to uncertainty. Business brokers in Richmond, VA understand the importance of protecting your privacy and have strategies to ensure confidentiality is maintained throughout the transaction.

Brokers carefully vet potential buyers and require them to sign confidentiality agreements before disclosing any sensitive information. This allows you to continue running your business smoothly without the fear of leaks or unnecessary distractions.

4. Skilled Negotiation

When selling a business, negotiations can quickly become complicated and emotional. Having a skilled negotiator on your side can make all the difference. Business brokers in Richmond, VA are experienced in handling negotiations with professionalism, ensuring that the process remains focused on facts rather than emotions.

They work to balance the needs of both parties—sellers and buyers—ensuring that you get a fair deal. Whether it’s negotiating the sale price, payment terms, or post-sale transition plans, a broker’s expertise ensures that you maximize your returns while reaching a mutually beneficial agreement.

5. Streamlined Paperwork and Legal Processes

Selling a business involves a great deal of paperwork, from financial statements to contracts and regulatory filings. Navigating this paperwork can be overwhelming, especially if you’re unfamiliar with legal requirements or compliance in Virginia. Business brokers in Richmond, VA manage all aspects of the documentation, ensuring that every detail is handled correctly and that you comply with all state regulations.

By working with a professional, you avoid potential pitfalls or delays due to missed paperwork or regulatory missteps. Brokers coordinate with accountants, lawyers, and other professionals involved in the process, allowing you to focus on the day-to-day operations of your business until the sale is finalized.

6. Saving Time and Reducing Stress

Selling a business can be a full-time job in itself. From dealing with potential buyers and negotiations to managing documents and legal requirements, it can be overwhelming. A business broker in Richmond, VA takes on much of this workload, streamlining the process and saving you valuable time. They handle the details, keep the sale on track, and ensure that everything moves forward efficiently.

This not only saves you time but also reduces stress, as you won’t need to juggle running your business and managing the complexities of the sale on your own. With a broker handling the logistics, you can maintain your focus where it’s needed most—keeping your business profitable until the sale is complete.

7. Maximizing the Final Sale Price

Ultimately, a business broker’s primary goal is to help you secure the best possible price for your business. With their expertise in business valuation, marketing, and negotiation, brokers are well-positioned to ensure you get a deal that reflects the true value of your business. By finding qualified buyers and navigating the transaction with precision, business brokers in Richmond, VA help maximize your return on investment.

Why Choose First Choice Business Brokers Richmond Virginia?

When it comes to selling your business, First Choice Business Brokers Richmond Virginia is a top choice for many business owners in the area. Known for their professionalism, market expertise, and commitment to confidentiality, First Choice offers comprehensive services that cover every aspect of the sale process. They are experienced in helping business owners get the best value while ensuring that the transaction is smooth and stress-free.

Their extensive network of buyers, along with their detailed understanding of the local market, makes First Choice Business Brokers Richmond Virginia an ideal partner when looking to sell your business for sale in Virginia. By choosing First Choice, you can trust that you are working with a broker who is invested in helping you achieve the best possible outcome.

Conclusion

Selling a business requires expertise, planning, and a solid strategy. Working with experienced business brokers in Richmond, VA, can make the process much more manageable and help you achieve a successful sale. From providing accurate valuations and maintaining confidentiality to marketing your business and negotiating the final deal, business brokers handle all the key aspects of the transaction.

If you’re ready to sell your business for sale in Virginia, consider partnering with First Choice Business Brokers Richmond Virginia. With their expertise, you can be confident that your business is in good hands and that you’ll secure the best possible deal.

First Choice Business Brokers Richmond

4110 E Parham Rd #206, Henrico, VA 23228, United States18045384504

[williamgriswoldva]

First Choice Business Brokers Richmond

About Us: If you think it is time for an exit strategy or if you are at the point in your life to buy a business, then First Choice Business Brokers of Richmond is ready to help you through the process from start to finish. We will guide you through every stage and ensure that the entire process is as smooth as possible. William (Bill) and Patricia (Tricia) Griswold, owners/brokers, go the extra mile for their clients. We service most of Virginia. Give us a chance to earn your respect and we will do our very best service for you with honesty, confidentiality, and energy – that is our passion. You keep running your business and let us take care of the rest.

Contact Us:

Phone: (804) 538-4504

Address: 4110 E Parham Rd #206, Henrico, VA 23228

Website: https://businessforsaleinrichmondva.com/

Facebook: https://www.facebook.com/FCBBRichmondVA/

Instagram: https://www.instagram.com/fcbbrichmond/

Linkedin: https://www.linkedin.com/company/first-choice-broker-business-rva/

Business hour: Monday to Friday 9am–5pm, Saturday and Sunday : Closed

Owner Name: William Griswold

[billysaleem33]

Navigating the Richmond, VA Business Market? Our Brokers Have You Covered!

Ready to find the perfect buyer for your Richmond, VA business? Our brokers are here to assist you every step of the way.

[vanderengine]

Used Engines For Sale In New York

Are you looking for a used engine that is available within New York, NY? Vanderengines.com is among the largest supplier Networks of high-quality, low Used Engines throughout the country. We ship thousands of engines every month and many are delivered directly to customers in New York customers! No matter if you have an auto repair shop searching for an alternative, low-cost solution, or you are searching for a reasonable engine replacement Vanderengines.com can assist you. Here are a few reasons:

used engines for sale

Every used engine we sell comes with 5 years of Parts and a Labor Guarantee at no additional cost, removing the worry of not knowing whether or not your pre-owned motor will be able to last!

In addition, the used engines have been tested for compression and cylinder leak down tested and checked for pressure and steam cleaning prior to when they are delivered to you.

We do not even cost for shipping! Our shipping is absolutely free!

Vanderengines Deliver Used Engines Around the New York, NY Area Alongside the wonderful reasons listed that we have mentioned above, autoparts-miles.com also ships rebuilt engines to a wide range of cities within New York, Kings, Queens, Richmond, and Bronx Counties, all within the New York area. Explore the entire list of cities listed below.

Brooklyn, NY

The Bronx, NY

Manhattan, NY

Queens, NY

Staten Island, NY

Vanderengines.com has offered engine replacements to numerous New York residents over the last 30 years. Over the years, we've witnessed many changes, and we have developed and expanded to become the biggest online used engines and Used Transmissions dealer across the United States. Vanderengines.com provides used engines for every brand and model that you can imagine so long as the stock remains accessible.

It doesn't matter if you have a Ford, Chevy, GMC, Honda, Dodge, Toyota, Nissan, Mazda, Audi, BMW, Mercedes, Jaguar, or just about any Make or Model out there We have the perfect engine for your car. You are looking for a hard-to-find Diesel Engine? We also have them! We have a large supply network to locate the used engine you need. Having an extensive inventory of used vehicles allows us to transfer the savings onto our customers on a regular basis. Since we have more than 15 years of expertise, we choose only the most efficient engines to ship to our clients.

We also have a team of helpful and experienced Representatives to assist you to ensure that you have the correct engine for your car at the right time. There are often a variety of engines that will fit in your car based on the kind of model, model year, model, or type of transmission Some engines be interchangeable between different brands and models. The saying goes that "Ain't everyone is enough time to do this!" This is why our knowledgeable representatives can help you find the best engine for your car truck, van or SUV, or any other vehicle that you might have with our extensive database as well as 15+ years of expertise and expertise. If you're looking for a used engine, let Vanderengines.com find the perfect engine to bring you back on the road.

Buying Used Engines for Sale in New York City: How Does It Work? If you're in search of high-end used motors as well as used gearboxes available within New York, Vanderengines can supply customers with all the equipment that you require. Get in contact with auto parts dealers who can offer the top second-hand engine and transmission to you.

Fill out our easy-to-use form by indicating the year, year of manufacture, and model, as well as the type of component and the engine size or the type of transmission you're looking for. When you've completed your form, you'll be receiving bids via phone or text message from brokers who are competing, typically within a matter of minutes.

Because every seller is competing for your business and you'll be presented with different pricing options so that you can pick the one that's best for you as well as your financial budget.

Why Shop Used Engines at Vanderengines?

If you are looking for a powerful used motor in New York at an affordable cost, the best choice could be to buy a used engine. The used parts of your vehicle can save you many hundreds, if not thousands while providing the same performance as those of brand new parts. Why would you purchase a new vehicle when you can purchase a new engine or transmission for less than the price?

Additionally, used motors are great for car enthusiasts who are interested in making, building, and customizing their cars. The used engines and transmissions can assist you in creating the vehicle of your dreams, and still get the most value for your money.

How do you choose a good engine for sale in New York?

When looking for a good engine for sale in New York, it is important to consider a few key factors. First, you will need to decide what type of engine you are looking for. There are a variety of engine types to choose from, including gasoline, diesel, hybrid, and electric. Next, you will need to consider the size and power of the engine. Some engines are smaller and less powerful, while others are larger and more powerful.

Last, you will need to consider the price. Not all engines are priced equally, and it is important to find an engine that is within your budget. Make sure to research different engines and compare prices before making a purchase. With these few tips in mind, you should be able to find the perfect engine for sale in New York!

How much does a license cost for this kind of software and what does it include?

There are a variety of software licenses available, and each one comes with its own set of benefits and restrictions. The most common type of license is the software license agreement (SLA), which is a type of contract that sets forth the conditions and terms under which the software is used. SLAs typically include provisions for software updates, support, and customer service.

Other types of licenses include the perpetual license, which allows the user to use the software indefinitely without having to purchase additional licenses; the subscription license, which charges a monthly fee and provides access to new features and updates as they are released; and the time-limited trial license, which allows the user to use the software for a specified period of time without incurring any charges.

When choosing a license, be sure to read the terms carefully and understand what is included. Also, ask your software provider about any special offers or discounts that are available.

Which one is better: cloud-based or on-premises software for engines for sale in New York?

There is no one-size-fits-all answer to this question, as the best software for engines for sale in New York will depend on your specific needs. However, if you are looking for a cloud-based solution, then Engine Yard may be a good option. Engine Yard is a cloud-based platform that allows businesses to sell engines and other tech products online. This platform is easy to use, and you can start selling products right away without having to worry about any technical difficulties.

On the other hand, if you are looking for an on-premises solution, then consider using Salesforce. Salesforce is a leading cloud-based sales CRM platform that allows businesses to manage their sales processes and customer relationships from a single platform. This platform is highly scalable and can accommodate a large volume of sales data. Additionally, Salesforce offers a variety of tools and features that can help businesses grow their business.

What are the benefits of investing in an engine for sale in New York?

There are many benefits to investing in an engine for sale in New York. Not only will you be able to purchase a high-quality engine at a discounted price, but you will also be able to receive a warranty and technical support. Additionally, if something goes wrong with your engine, you will be able to get it fixed quickly and efficiently.

By investing in an engine for sale in New York, you will be able to get the maximum amount of use out of your engine while ensuring that it is in perfect condition. Additionally, by purchasing an engine from a reputable source, you can be sure that you are making a wise decision.

Which is better: used or new engines for sale in New York?

This can be a difficult question to answer, as the best engine for your vehicle depends on a variety of factors, including price, fuel efficiency, features, and reliability. However, if you are looking for a used engine, then you may be better off purchasing one from a dealer. Used engines tend to be more reliable and often come with a warranty. Additionally, used engines are often cheaper than new engines.

On the other hand, if you are in the market for a new engine, then you should probably go with a new engine. New engines tend to be more fuel-efficient and feature more advanced technology. They also tend to be more reliable and have longer warranties. However, new engines can be more expensive than used engines. Ultimately, it is important to do your research before making any decision.

Is it possible to get financing for an engine for sale in New York?

It can be difficult to get financing for an engine for sale in New York, but there are a few options that may be available to you. One option is to contact a local engine broker and see if they can help you find a lender. Another option is to contact a local credit union and see if they have any financing options available. Finally, you can also look into getting a loan from a commercial bank.

It is important to remember that getting a loan is not always easy, and it may take some time to find the right lender. Make sure to prepare with adequate documentation and proof of ownership. Remember, the sooner you can get the financing in place, the easier it will be to sell your engine.

Are there any drawbacks to buying an engine for sale in New York?

There are a few potential drawbacks when it comes to buying an engine for sale in New York. One potential downside is that you may not be able to get your engine shipped to your location. Another potential issue is that you may be unable to inspect the engine before you purchase it. And, of course, you always have to be aware of the possible scams that are out there.

However, considering all of the benefits of buying an engine for sale in New York, these potential drawbacks are relatively minor. In the end, it is important to do your research and consult with a qualified mechanic before making any purchase.

Where is the best place to buy used car engines?

There are a number of great places to buy used car engines, but one of the best is Vanderengines. Vanderengines is a nationwide chain of used car dealerships that specialize in selling and servicing used cars. They offer a wide variety of used car engines, and their selection is constantly updated to include the latest models and makes.

Vanderengines engines are checked for quality and performance before they are sold, and their warranties are generous. In addition, their service is excellent, and they are always willing to help with any questions or issues that you may have. If you are looking for a reliable place to buy your next used car engine, then Vanderengines should be your first and only choice.

[davidstruckingbrokeralerts]

Another freight broker, TGI Express LLC out of Richmond, IN (MC# 1523986) has gone out of business and has been reported for non-payment of #freightbills. If they owe you, make sure you reach out today. Call David at 662-258-1916 or Bill at 901-300-7460.

[jamesmercure]

Why Private Mortgage Lenders in Ottawa Have Become Immensely Popular

If you are in the Ontarian property market for a new house or looking to refinance your existing home loan, you may be considering private mortgage lenders in Ottawa as an option. Also referred to as non-bank lenders, they are individuals or companies that provide home loans and tend to have less stringent criteria concerning borrower eligibility when compared to those of traditional banking institutions. Today, we will briefly explore what private mortgage lenders are and how they can help accomplish your financial objectives.

The Rise of Private Mortgage Lenders in Ottawa and other Canadian Cities

Private mortgage lenders may include private investors, corporations, or other entities that specialize in real estate financing. They tend to be more flexible and responsive than traditional banks and the former can often provide the necessary financing for unique or unconventional properties.

One of the most significant advantages of applying for a home loan from the crème de la crème of private mortgage lenders is that they offer a remarkably faster approval and disbursal process in comparison with mainstream financial institutions. Private mortgage lenders have all the liberty to make their own lending decisions and do not come under the scope of government regulations that govern Canadian banks, which allows them to be more lenient in their lending process.

In addition, private mortgage lenders may be able to offer more customized loan options than traditional banks, and they may be more willing to collaborate with borrowers with a less-than-perfect credit history or to provide financing for non-traditional properties, such as vacation homes or investment properties.

How to Find Private Mortgage Lenders in Ottawa and Other Canadian Cities

Home loan agents know dozens of renowned private lenders and your residential mortgage broker in Ottawa may help introduce you to one. You can also consider searching the web and learn why more Ottawa residents are choosing James Mercure Mortgages over the rest these days. Finally, you may ask for suitable referrals from your friends, family members, or anyone you can trust when looking for unbiased advice.

Make sure to exercise due diligence when researching private mortgage lenders online. Make a point to check their credentials and client reviews before agreeing to work with them. You should also compare the interest rates and terms offered by multiple lenders to ensure that you are indeed securing the best offer possible.

Why You Must Secure a Home Loan from Private Mortgage Lenders in Ottawa

The most significant advantages of opting for a private lender when applying for a home loan are:

Quicker funding and prompt approval

Less demanding in terms of lending criteria

Customized loan options

Financing for non-traditional properties

Potentially lower interest rates

Private mortgage lenders in Ottawa and other major cities in Canada can often prove to be an excellent option for borrowers who are particularly looking for more flexibility and customization in their loan financing. However, do not forget to explore and understand all your options carefully before zeroing in on one.

Call James Mercure Mortgages now to schedule a no-obligation consultation at your convenience!

Business Name - James Mercure Mortgages Phone No - 613 794 3558 Address - 381 Richmond Road ,Ottawa , ON K2A 0E7

GMB Page - https://goo.gl/maps/rmrpMGw2mrMv5rnV7 Website - https://www.mortgagesmadeeasy.com/

[royalcanadianrealtybrokerage]

Buying, Selling, Investing, Leasing, Renting Residential and Commercial Realestate in Ontario, Canada

Designation : Realestate Broker, ABR, SRS, SSRS.

Type : Detach, semi Detach, townhouse, Link, Land, Urban Towns, Condo Towns, condos.

Nearest Location Serverd : Dhuram, Oshawa, Ajax, Pickering, Brock, Whitby, Toronto,Brampton, Markham, Richmond Hill, Vaughan, Whitchurch-Stouffville, King, Brampton, New Market, east gwillimbury, Scarborough, Clarington, Bommaville.

Business Hours : Monday to Friday: 9 AM to 6 PM, Sat & Sun: 9 AM to 12 PM

Visit Our Website : https://www.gtarealstar.ca/resources/rent-to-own

Business Contact us :

Business name : Naveen Vadlamudi – GTA Realstar Inc Name of Brokerage : Royal Canadian Realty, Brokerage Address : 3 Center St, Suite 206, Markham, Ontario, L3P 3P9 Phone : +1 416-837-9696 Business mail : gtarealstar@gmail.com

Follow on :

Google Maps : https://g.page/GTARealstar

Testimonials – Sucess Stories : https://www.gtarealstar.com/testimonials

Facebook : https://www.facebook.com/naveen.vadlamudi/

Instagram : https://www.instagram.com/vnaveem/

Pinterest : https://www.pinterest.ca/gtarealstar/

Twitter : https://twitter.com/gtarealstar

Youtube : https://youtu.be/jwpCrICbJu8

Linkedin : https://www.linkedin.com/in/naveenvadlamudi/

Blogger : https://gtarealstar.blogspot.com/

GMB : https://bit.ly/2FWuvmf

[billysaleem33]

Are you ready to retire from your business and start a new chapter? 🌟 Discover the best opportunities among businesses for sale in Richmond, VA. Let First Choice Business Brokers Richmond guide you towards your next venture!

[mortgageagentrichmondhill]

Powerful Function Of Mortgage loan Broker Bond

Mortgage brokers engage in an vital and essential role all over the economic system. Nowadays, house loan broker bond turns into the crucial bond and it is needed for the men and women who are engaged in the organization of mortgage broker organization, house loan lending organization. Mortgage brokers or lenders or sellers are essential to obtain license and permit from the licensing section. This mortgage broker license is needed for the mortgage loan brokers who are engaged in the company of mortgage in state. To receive this home loan broker license, Mortgage Agent Richmond hill  the applicant is essential to get mortgage loan broker bond from the appropriate point out. House loan broker bonds are issued as for each the statutes and ordinance of the condition and federal jurisdiction. House loan broker bond guarantees suitable overall performance of mortgage business with no any default act of the mortgage broker or loan provider. House loan broker bonds are issued all in excess of the different elements of the states and most of the industries analyzed the want of home loan broker bond in the condition. House loan broker bond protects the obligee in opposition to the non overall performance of contract by the principal in the state and enforce the house loan broker to give a efficiency. Today, pattern has been changed and most of the folks enforce to situation house loan broker bonds as per the state ordinance. Mortgage broker bond also forms portion of distinct types of surety bonds and this mortgage loan broker bond are issued in independent forms and various bond quantities. Mortgage broker bonds engage in an successful position in the financial system and all most each and every portion of the globe home loan broker bonds are necessary. Home loan broker bond are issued as for each the policies and restrictions of the point out statutes and ordinance. All mortgage loan brokers of the point out are essential to get a home loan broker bond from the proper surety bonding organization. Presently, far more number of surety Bonding Business will come ahead to concern mortgage loan broker surety bond to the men and women as for every their need and wants. This house loan broker bonds are issued to the individuals as for every their requirement and various rates. When folks understand the goal and use of surety bond, then it can be explained that nonperformance and default act of the agreement will be prevented and prevented. When the mortgage broker or financial institution or vendor fails to carry out the contract, then the obligee can sue the mortgage loan broker or loan provider or dealer for non-efficiency of deal. The obligee has each appropriate to sue both the house loan broker and surety for the non-functionality of deal. When all needs are satisfied and lawfully compiled by the applicant, home loan broker bond will be issued to the applicant. Home loan broker bond and house loan broker license are the most critical requirements needed for the house loan broker or loan company or supplier. Business Name Mortgage Partners Corporation Business Address 10909 Yonge street # 208A Richmond Hill ON L4C 3E3 Business Email info@mortgagepartners.com Business Contact Number 905 703 7399

[gavinraphael]

Q1 2021: State of the Small and Lower Middle M&A Market

One year after the onset of the pandemic, entrepreneurs continue to flock to high performing businesses causing median sale prices to jump 30% compared to Q1 of 2020, according to BizBuySell's Insight Report. The $350,000 Q1 median sale price is the highest since BizBuySell began collecting the data in 2007 as are the $680,020 median revenue and $147,752 median cash flow for reported transactions. The latter figures represent a 15% and 8% YOY increase respectively.

Regulations associated with the Biden Administration are also likely to influence market activity. Most notable are expected capital gains increases. Thirty-one percent (31%) of owners are extremely concerned about tax increases in 2022, with another 23% very concerned.

The median sales price for businesses sold in the Richmond area (in BizBuySell’s database) was $270,000 in Q1 2021 with an earnings multiple of 2.97.  Meanwhile, in Washington DC, the median sales price was $250,000 and the earnings multiple was 2.26.

Light & Raphael Business Brokers has sold several businesses in 2021 (with five more currently under contract). Seller interest has ramped up in the last few weeks with our firm currently onboarding multiple new clients. As always, we would be more than happy to speak with you or your clients about potential business acquisitions or divestitures.

[real-estate-0services2020-blog]

Larry Weltman, real estate services expert, announces new consulting business

TORONTO, Dec. 21, 2015 /CNW/ - Real estate services expert Larry Weltman is pleased to announce the opening of his new business, Weltman Consulting. Headquartered in Richmond Hill, Ontario, Weltman Consulting provides real estate agents and brokerages with a variety of consulting services. Utilizing his experience in the real estate customer service sector Weltman decided to open a consulting business that empowers agents and brokers to meet their marketing and planning needs and make their businesses profitable and lucrative.

Resource URL :- https://www.newswire.ca/news-releases/larry-weltman-real-estate-services-expert-announces-new-consulting-business-563176351.html

[rocketwerks]

E. T. Pilkinton

AKA, W. W. Russell, Chas. Millhiser’s Cigar Factory #135

514 North Twelfth Street

[IOR] — E. T. Pilkington — 514 North Twelfth Street, circa 1886 — three years after the death of its founder

Another tobacco factory that changed hands many times.

(Antique Tobacco) — Fruits and Flowers Mixture Tin

Manufacturers of all styles and grades of Smoking Tobacco, No. 514 North Twelfth street. This is the oldest and the largest factory engaged exclusively in the manufacture of smoking tobacco in the city, and for twenty-six years has "Fruits and Flowers" been upon the market as their leading brand. 

(VCU) — 1889 Baist Atlas Map of Richmond — Plate 5

Its reputation is known to the lovers of a good smoke on two Continents, and no brand made in this city is better known to the local trade The capacity of the factory is 1,200,000 pounds per annum. They employ forty hands; have three commercial salesmen on the road: local agents all over the United States, and sell to the trade throughout America, Australia, and England.

(Find A Grave) — William Walden Russell

This business was founded by the late E. T. Pilkinton in 1860, who managed the concern until his death in January, 1883, since which time Mr. W. W. Russell has been the proprietor. Mr. Russell has had many years experience in tobacco, and was connected with this house for years prior to becoming the owner of the business. He is a native of Virginia, and a former resident of Petersburg. [IOR]

[RVCJ93] — W. W. Russell’s Tobacco Factory, circa 1893

Eventually, respect for the previous ownership and branding faded. 

W. W. Russell, manufacturer of fine smoking tobaccos at 514 North Twelfth street, has been established in that line of business since 1882; for the first eight years of this period under the firm name of E. T. Pilkinton & Co., though he was sole proprietor. Two years ago he discontinued the use of that name, as well as the manufacture of their brands, and has since been devoting his attention to fine and fancy smoking tobaccos.

(Antique Advertising) — Virginia Creeper Granulated Mixture Tin

His leading brands are the “Virginia Creeper,” “Topaz,” and “Queen of Virgina.” He manufactures more granulated smoking tobacco than any other house here, and he covers a larger trade territory than any other here also. He has four men on the road in his interest, and his fancy smoking mixtures are sold all over the United States. His factory has a capacity of a million pounds a year.

Mr. Russell is a Virginian, twenty-one years resident of Richmond. A cut accompanying this notice shows the outward appearance of his establishment. [RVCJ93]

(Library of Congress) — Sanborn Fire Insurance Map from Richmond (1905) — Plate 74 — showing the former E. T. Pilkington location now as Chas. Milhiser’s (sic) Cigar Factory #135

By 1905, the property had been taken over by Charles Millhiser, another well-established tobacco man, for his cigar manufacturing operations.

The “Virginia Star” cheroot factory, Mr. Charles Millhiser’s establishment, which is shown in the cut accompanying this matter, is one of the representative and most notable concerns of its line at Richmond. It has 150 Mr. Millhiser first embarked in the trade in 1885, and he is one of the most substantial manufacturers of his line. He has resources and property to back him, and the enterprise to maintain the lead he has gained over competing concerns.

[RVCJ93] — “Virginia Star” Cheroot Factory, location unidentified, circa 1893

He has five men on the road selling for him. They cover nearly the entire United States, and he sells besides, largely, through brokers and others, in all the principal cities. The “Virginia Star” cheroot is his specialty, although he makes also a number of other brands. It forms—such is the demand for it—nine-tenths at least of his output. It is made of superior stock, and is of the best workmanship. It is produced from the best New York, Pennsylvania, Wisconsin and Havana leaf, under the close inspection of competent heads of departments.

[RVCJ93] — Charles Millhiser, circa 1893

Mr. Millhiser gives the business personal supervision. He brings to his labors a long and varied experience, not merely of tobacco in its divers commercial forms, but of business generally. He is a native of the city, and was in general mercantile pursuits from 1866 until 1879.

In that year he went into the manufacture of cigars, and afterwards included the trade in leaf tobacco; and after spending six or seven years profitably in that line became one of the pioneers of cheroot manufacture here, by establishing the “Virginia Star” factory and brand. He is, as we have said, a man of solid resources and high character, and is well known and highly esteemed here. [RVCJ93]

December 2019 — looking towards 514 North Twelfth Street today

And so was it true in 1893. By the time of the 1903 edition of Richmond, Virginia: The City on the James, Millhiser is no longer a darling of the Chamber of Commerce, or perhaps didn’t pay to be in the book, and is unmentioned.

Today, the corner on the alley where E. T. Pilkington stood is now completely consumed by the Harry Lyons Building of the VCU Health School of Dentistry.

[IOR] [RVCJ93] — side-by-side comparison of the 1886 (left) and 1893 (right) depictions of 514 North Twelfth Street

It’s interesting to note that while the 1893 edition of Richmond, Virginia: The City on the James reused some illustrations from Industries of Richmond, that is not the case here. It is clearly not a reworking of a previous photo; the street scenes and cloud patterns are completely different.

(E. T. Pilkington is part of the Atlas RVA! Project)

Print Sources

[IOR] Industries of Richmond. James P. Wood. 1886.

[RVCJ93] Richmond, Virginia: The City on the James: The Book of Its Chamber of Commerce and Principal Business Interests. G. W. Engelhardt. 1893.

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Wells Fargo Says Its Culture Has Changed. Some Employees Disagree.

If you were a Wells Fargo sales employee, what would you do if your manager asked you to send customers mortgage documents even though the interest rate or fee calculations were incorrect — resulting from missing paperwork — so the team could record that the documents were sent out quickly. When you questioned this, the managers said don’t worry because another set of documents would be sent to the customer after the missing paperwork came in with the correct calculations: (1) obey boss and send out paperwork with incorrect information to meet goals or (2) refuse to do so? Why? What are the ethics underlying your decision?

Wells Fargo has spent years publicly apologizing for deceiving customers with fake bank accounts, unwarranted fees and unwanted products. Its top executives say that because they have eliminated the aggressive sales targets that spurred bad behavior, the bank’s culture has changed.

Many employees say that is news to them.

There is no evidence that employees are secretly opening accounts in customers’ names or tricking them into buying unnecessary auto insurance, as some did in the past. The bank has altered how it pays workers and added safeguards to catch bad behavior.

But Wells Fargo workers say they remain under heavy pressure to squeeze extra money out of customers. Some have witnessed colleagues bending or breaking internal rules to meet ambitious performance goals, according to interviews with 17 current and former employees and internal documents reviewed by The New York Times.

In Des Moines, where the bank — the nation’s fourth biggest — has a large debt-collecting operation, workers in December were expected to handle at least 30 calls an hour and recoup $34,000 in unpaid credit-card and other debts for the month. In January, the targets rose to 33 calls an hour and $40,000, goals that many employees there failed to attain, according to internal records.

“For us front-line workers, there’s an overwhelming sense of frustration,” said Mark Willie, who works in the Des Moines office and is part of a group, the Committee for Better Banks, trying to unionize Wells Fargo employees. “There is a general fear of retaliation for speaking out.”

Two mortgage-processing employees in Minneapolis said managers pressured their team to send documents that they knew contained incorrect information to borrowers to meet internal deadlines.

In a survey of more than 27,000 employees in the bank’s information-technology department late last year, top concerns included their ability to raise grievances with managers and whether “Wells Fargo conducts its business activities with honesty and integrity.” Workers recently flooded the bank’s internal blog with hundreds of angry comments about Wells Fargo’s sales incentives, pay and ethics and leaders’ “doublespeak,” according to screenshots of the blog reviewed by The Times.

Wells Fargo executives said in interviews that the bank’s culture had improved and that fewer bank employees had direct financial incentives to sell products to customers.

“Our entire system of how we pay, coach and develop team members is designed to focus on customer experience and customer outcomes,” said Mary Mack, Wells Fargo’s head of consumer banking. “Things have changed a lot.”

Ms. Mack said none of the debt-collecting employees in the Des Moines group had lost their jobs last year for not meeting the goals. She declined to comment on the Minneapolis mortgage processors, but said the bank investigates employees’ allegations.

Wells Fargo was regarded for years as one of America’s best banks. Then, in 2016, its pattern of wrongdoing became public. The bank admitted that employees had opened as many as 3.5 million phantom accounts in customers’ names to meet stratospheric sales goals. It also admitted forcing customers to buy unneeded auto insurance and charging improper mortgage fees.

The scandal has been costly for Wells Fargo. Its chief executive was pushed out. The bank has paid more than $1.5 billion in penalties to federal and state authorities, and $620 million to resolve lawsuits from customers and shareholders. Most painful, the Federal Reserve punished the bank in February 2018 by prohibiting it from expandinguntil it cleaned up its culture and internal checks and balances — a restriction that remains in force.

The Fed has said that before it will lift its constraints, Wells Fargo must devise a plan to ensure that the deceptive practices won’t happen again. Once the Fed signs off on the plan, the bank must demonstrate significant progress and win approval from an independent reviewer. The bank is still negotiating the details of the plan with the Fed. Its chief executive, Timothy J. Sloan, has twice pushed back his estimate for when the restrictions will be lifted.

On Tuesday, Mr. Sloan will testify to a congressional committee about the bank’s progress at overhauling its culture.

At the heart of its rehabilitation efforts, Wells Fargo said, it has changed how it motivates employees. No longer will they be individually rewarded for reaching sales targets, or punished for falling short. Branch workers were told that their primary job is to serve customers, not sell them things.

But the sales incentives have changed, not disappeared, according to the current and former employees, who work in branches, loan-processing centers and other parts of the bank. (Most spoke on the condition of anonymity to protect their jobs in the industry.)

In the past, branch workers were eligible for bonuses if they persuaded customers to apply for a credit card or to take out a loan.

Now, employees are urged to refer prospects to salespeople in the bank’s mortgage or wealth management division, and some branch workers are eligible for bonuses if those referrals turn into sales, multiple employees said.

“Some retail bank positions or more experienced bankers might be eligible to be rewarded,” Ms. Mack said. “The pressure element is not there, but the opportunity to reward team members is.” She said sales weren’t the only factor that influenced bonuses.

In addition, most branch employees can get bonuses based on their branch’s overall performance.

A. J. Bula, a former branch employee in Richmond, Va., said his managers had criticized him when he failed to generate enough customer referrals to the sales team. The sales-oriented culture “was still there,” said Mr. Bula, who left Wells Fargo in July. “Just get someone something.”

A personal banker who works in a North Carolina branch said his manager had told him to increase his referrals to the bank’s mortgage team and financial advisers. He said he had ethical qualms about trying to sell more products to his customers, who are mostly college students and retirees with limited money.

For salespeople, the goals are even more explicit and detailed.

One former salesman, who sold credit-card-swiping terminals to businesses on the East Coast, shared his 2018 performance plan with The Times. It might look familiar to anyone who works in a sales-oriented job.

The salesman was required to book at least 15 sales meetings a week. For every 30 opportunities he logged, 10 needed to result in a sale. His calendar had to show regular meetings scheduled with Wells Fargo branch managers, whom he was told to lobby for introductions to potential customers.

The salesman said that when his managers had wanted him or his colleagues to ratchet up their sales, they had used coded language: “We’re not helping enough customers.” He quit last summer because of the relentless pressure to hit his targets.

Another Wells Fargo salesman, who said he had also left because the sales pressure had been too intense, confirmed his colleague’s account and said he had received similar performance targets.

Ms. Mack said only 20 percent of equipment sellers’ compensation was based on their sales performance.

In another division of the bank, which handles mortgage applications, several employees said managers dangled rewards to get them to process loans faster.

In previous years, workers got bonuses if they processed 25 mortgage applications a month, getting all the necessary documents in order, verifying borrowers’ sources of income and sending out paperwork. Then the target was raised to 30. At the beginning of 2017, it went up to 35. (Mark Folk, a bank spokesman, said the increase had stemmed in part from the introduction of technology intended to speed up the process.)

The employees said the intense pressure led some workers to break the rules.

In one Wells Fargo office in Minnesota, two current employees said managers sometimes asked them to send customers mortgage documents even though the interest rate or fee calculations were incorrect — resulting from missing paperwork — so the team could record that the documents were sent out quickly. In those instances, the employees said, another set of documents would be sent to the customer after the missing paperwork came in and the calculations were corrected.

Ms. Mack said that, starting in January, the bank had stopped paying bonuses based on hitting mortgage-processing goals.

Employees’ frustrations with the bank extend beyond the pressure to keep hitting lofty targets.

Melissa Kinnard, who worked in Minneapolis as a financial adviser, said the company had sometimes pushed her and other brokers to steer clients toward investments that would generate recurring fees for the bank, including in a case where “it was not in the client’s best interest.”

Frustrated by what she saw as the bank’s culture, Ms. Kinnard quit in January.

Days later, the bank sent a letter to her clients, in her name, announcing that she would be teaming up with another Wells Fargo employee to handle their accounts. The Jan. 29 letter, reviewed by The Times, falsely indicated that Ms. Kinnard still worked at the bank and that she endorsed the other employee’s credentials.

Ms. Kinnard repeatedly asked the company to retract the letter. It didn’t.

“That letter went out in error,” Mr. Folk, the bank spokesman, said on Friday. “We apologize for the mistake.”

Many Wells Fargo employees are also upset about what they said was a drop in their compensation after the bank phased out many of its old sales bonuses.

On the company’s internal blog in January, Patrick Timmons, who works in Minneapolis on resolving customer complaints, accused Wells Fargo’s executives of trying to “string us along with an endless series of platitudes and doublespeak.”

While the bank’s leaders receive “obscene pay packages,” its rank-and-file workers are struggling, he wrote. (Wells Fargo’s chief executive, Mr. Sloan, was paid more than $17 million in 2017, up 36 percent from the year before.)

“I completely agree,” a teller in Miami responded. The teller said there was “a disconnect between corporate and branch/officer workers.”

Alex Ross, a bankruptcy specialist for Wells Fargo in Minneapolis who is also an activist for the Committee for Better Banks, stood up at Wells Fargo’s annual shareholder meeting last April and told Mr. Sloan that many employees felt unable to speak frankly with their managers about problems. He said that some feared that they would face retaliation if they complained.

“Candidly, we need to hear from our team members more often,” Mr. Sloan responded. “I don’t want you to think that we are not listening. We absolutely are.”

Mr. Ross said in an interview that he hadn’t seen any change since then in the way workers were treated.

“There’s a sense among the workers that most of the reforms the bank has made are very superficial and only being done for P.R. reasons,” he said.

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