Empowering employment by improving
retention and productivity

Southwest Michigan ERN - SWMERN (Kalamazoo - Betsy)

Founded: 2011

1025% Employer ROI


2478 Delivered Case Needs


1142 Unique Employees Served


13.8% Employee Utilization


Source: 2023 ERN USA Annual KPI Report



Onsite Success Coaching

The core of the ERN model is onsite, confidential Success Coaching that employees can access on a predictable, ongoing basis. No more wasted hours in social services offices; Success Coaches offer direct connection and access to community resources. Employees who face a crisis from lack of resources can get immediate, personal relief, onsite. Services are available to all employees in our member companies. Success Coaches accommodate all shifts with off-site locations and alternate meeting times available upon request.​

SWMERN Video: Betsy Sanchez, Success Coach

SWMERN Success Coach, Betsy Sancez, highlights the benefits and opportunities for SWMERN member employees and employers.

Hardship Loan & Savings Program

Partner: Kalsee Credit Union

Purpose: The Bridge Loan provides a financial resource for the Success Coach and clients, allowing the coach to connect clients to fair and reputable lending. These loans help clients overcome financial burdens that may be negatively impacting their life including auto repairs, credit repair, payday lending traps, appliance purchases, debt, and family emergencies. It is offered as a last resort for employees facing a financial emergency.

Savings Component: The loan includes a savings component which requires a $10 per week deposit into a savings account. The savings commitment is added to the loan repayment amount, which is placed into a savings account that does not allow withdrawals until the loan is paid in full. At the end of the payment plan, the client will accumulate over $520 in savings. Upon pay-off, the client is encouraged to continue the habit of savings. This not only teaches the client the importance of saving, but also acts as a safety net for the bank/credit union. If an employee is terminated while in payments, the savings account is released back for the lending institution to cover any unpaid remaining portion of the loan.

Bronson SWMERN Success Coach Video

SWMERN Success Coaches, Betsy Sanchez and April Hall highlight the benefits and opportunities of success coaching for Bronson employees.

Housing: Finding Apartment & First Month’s Rent Assistance

Get inspired by other employees' success stories! Jennifer came to the Success Coach and asked if she could help her find any open rentals in the area. She was living in a shelter for women and children. The Coach called several landlords and property managers. She finally found a place that would work for Jen and her children. The Coach followed up with Jen almost weekly on the progress of her getting moved in to her new place. This process took a long time because Jen had to wait on DHHS applications to be completed for first month's rent assistance. Jen had very little furniture. The Coach was able to find free or inexpensive furniture through church donations and garage sale sites. Jen finally moved in by the end of June and the Coach was able to help deliver some items to the new apartment. It was rewarding for her Coach to share toys with Jen's baby girl and see her new place.

Employer Members-Investors

Strategic Partners