Katherine Raz

@therealkatraz.bsky.social

143 Followers 145 Following

Flower shop owner. Small business organizer. Substack - Storefront Revolt - about the practical economics & political realities challenging the survival of local shops. storefrontrevolt.substack.com

Substack notification: Citizen Deux mentioned your publication in a note reading, “A good economic analysis. But averages are not always indicative. I would like to see @Katherine Raz pick a performing retail market area vice a non performing.”
Chart: over 7 years The Fernseed paid $611K to landlords, lenders, banks & government vs. $130K to the owner. $4.70 out for every $1 I took home.
screenshot from an email
Donut-shaped pie chart in bright colors showing Fernseed percentage expenses in payroll (27.8%), credit card fees (2.7%), cost of goods (37%), bank fees and interest (3.35), rent (14.3%), software (3.1%), and supplies, meals, etc. (6.9%). Chart title says Fernseed 2025 Expenses
Printed letter from retail developer about selling commercial property in Centralia, Washington
Page 131 of the OCC Handbook on Commercial Real Estate Lending with a sentence highlight that says "for owner-occupied properties the primary source of repayment is usually the cash flow generated by the occupying business."
City of Tacoma strategic plan page listing business district actions, with a highlighted line calling to “identify opportunities to increase owner-occupied commercial properties.”
snippet of email from a CDFI saying "please reach out once you are closer to opening your second location."
Typed excerpt from report that shows table 7 survey question on rent versus own, 38.7% own 61.3% rent
Computer on desk with coffee mug and circle window with trees outside