Empower Your Business with
the NJSBDC Capital Team

The NJSBDC Capital Team helps businesses following the six (6) steps below:

STEP #1: REQUEST BUSINESS CONSULTING TO BECOME AN NJSBDC CLIENT
You must at least have a business plan draft or an executive summary to start working towards funding your existing business. If you need help creating a business plan, consider attending one of our Regional Center’s ‘Business Planning’ workshops. Once you have your business plan or executive summary, you will be ready to receive business advising from the Team. For the NJSBDC Capital Team, we ask that your business have at least two years of tax returns on file.

STEP #2: BUSINESS ASSESSMENT
You will be assigned an NJSBDC Capital Team expert business consultant. In the initial meeting with your consultant, you will discuss your funding goals and your company’s strength and weaknesses.

STEP #3: FINANCE STRATEGY
Based on the initial assessment, your assigned consultant will determine eligibility, identify sources of capital that may be a good fit, and will work with you to assess your options.

STEP #4: LOAN PACKAGING
The most intensive part of accessing capital is preparing your loan package or pitch. This process includes compiling financial data and creating a strong case for why your business will succeed. Your business consultant will work with you every step of the way to make sure you’re putting your best foot forward.

STEP #5: FUNDER RELATIONS
Your consultant can help make warm introductions to funders and help prepare you for your meetings with potential funders to ensure you make the best first impression.
Please Note: While we have strong relationships with funders, it does not guarantee that you will receive funding.

STEP #6: POST-LOAN
After you receive funding, you don’t need to stop working with the NJSBDC. Your regional NJSBDC center will be a valuable asset in providing your business with the continued support to ensure success. Your NJSBDC Capital Team business consultant will be available to you if you have additional funding goals and will remain in contact with your regional NJSBDC center, working together to ensure all areas in your business’s success is covered.

The NJSBDC Capital Team provides various types of assistance, including but not limited to:

Commercial real estate financing
Construction Financing
Hotel and nursing home financing
Lending based on uncollected royalties
Receivables-based financing
Restructuring corporate debt
Asset-based lending (ABL)
SBA loans (7(a) loans, 504 loans)
Equipment Financing
Invoice financing (Accounts receivable financing and factoring)
Business lines of credit (revolvers)
Microloans
Term loans
Marketing strategy and planning
Customer-based capital strategies
General business counseling (business planning or growth planning)
Crisis management
Financial literacy
Forecasting
Financial analysis
QuickBooks
Risk management
Best practices
Waste management
Operations management
Emotional intelligence and soft skills
Presentation skills
Supply chain management
LinkedIn and Twitter (social media platforms)
Brand assessment
Operational manuals and systems
Export planning
Business model canvas
Business plan
Digital marketing plan
Business certifications and licensing
Government and corporate contracting
Accounting services
Tax planning
Cash flow management
Financial modeling & analysis
Equipment Finance
Business acquisition
Change of ownership
Conventional cash-flow lending
Accounts receivable lending (factoring)
Financial modeling
Capital structure planning
Logistics
Manufacturing
Hospitality service-oriented industries
HR solutions and strategies
Professional development
Strategic business solutions (state and federal certifications and registrations for protected classes and small businesses)
Cyber-security preparedness and incident and breach counseling
Construction project management
Renewable energy projects
Drafting and negotiation of software licensing, development, SaaS, and PaaS agreements
Contract review, drafting, and negotiation in critical areas of privacy and security
Commercial transactions
Counseling franchisees
Employment contracting

The NJSBDC (New Jersey Small Business Development Centers) consulting services are provided at no cost to small businesses and entrepreneurs. This is because the NJSBDC is a non-profit organization that is partially funded by the U.S. Small Business Administration (SBA), the state of New Jersey, and other private and public funding sources. The purpose of the NJSBDC is to foster economic growth by providing support and assistance to small businesses, helping them succeed and create jobs.

As a result of this funding, the NJSBDC is able to offer its consulting services at no cost to clients. This enables small businesses and entrepreneurs to access valuable resources, expertise, and guidance without having to worry about the financial burden of paying for consulting services. By offering no-cost consulting, the NJSBDC helps level the playing field for small businesses, giving them a better chance to succeed and grow in a competitive marketplace.

Yes, counseling from the NJSBDC Capital Team is different from the general counseling you have already received from the NJSBDC. While general counseling from the NJSBDC typically covers a wide range of topics such as business planning, growth strategies, and basic financial analysis, the NJSBDC Capital Team focuses specifically on assisting with financial matters and capital-related issues.

Yes. All NJSBDC consultants agree to abide by the NJSBDC's Standards of Professional Ethics and Conflict of Interest Policy. The information you provide will be held in the strictest confidence and will not be released to any parties outside of the NJSBDC network without your signed consent. Your information will not be sold or provided to other organizations. Specific information regarding you and the nature of your engagement with the NJSBDC will also not be released without your consent.