SBA 504 Spotlight: HCDC Helps Pearl’s Bar Renovate

Business Lending, News
Pearl's Bar

HCDC borrower Pearl’s Bar

Located in Columbia Tusculum, Pearl’s Bar took a 100+-year-old single family house on Eastern Avenue and turned it into a bar/eatery with old school charm. “We kept the original siding and saved the bricks from the chimney and used them in our outdoor fireplace,” says one of Pearl’s owners, John Tieman. “We’re a neighborhood bar with a warm feeling.”

Tieman was brought to HCDC by Park National Bank Vice President of Commercial Lending Jason Hughes. “He said HCDC offered a good, affordable way to finance small business,” says Tieman, who worked with HCDC Lending Vice President & Senior Loan Officer Andrew Young. Young walked Tieman through the SBA 504  loan process from application to funding. “We borrowed money for our renovations. We wanted to preserve the history of the building, but modernize it,” he says.

The downstairs of Pearl’s Bar is a bar/grille and features a 1000-sq ft outdoor patio. The second floor of the building, however, “has become one of the great surprises of our business,” says Tieman. What was going to be a bar overflow area has turned into a space used for private parties holding up to 50 people. “And that sweet spot for private parties is between 25 and 50, and our space fits that perfectly,” says Tieman. Both the private party and the bar business have been good, and Pearl’s has become a sort of “destination” for people around town. Learn more about Pearl’s Bar at



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