Small Business Financing Perth Amboy NJ

Looking for Small Business Financing in Perth Amboy? We have compiled a list of businesses and services around Perth Amboy that should help you with your search. We hope this page helps you find Small Business Financing in Perth Amboy.

Stanley Ehrlich
S.F. Ehrlich Associates, Inc.
(908) 789-1100
PO Box 2278
Westfield, NJ
Expertises
Cash Flow/Budgets/Credit Issues, Planning Issues for Business Owners, Middle Income Client Needs, Ongoing Investment Management, Retirement Planning & Distribution Rules, Helping Clients Identify & Achieve Goals
Certifications
NAPFA Registered Financial Advisor, MA, MPA

Eve Kaplan
Kaplan Financial Advisors, LLC
(908) 898-0549
52 Plymouth Drive
Berkeley Heights, NJ
Expertises
Retirement Plan Investment Advice, Planning Issues for Business Owners, High Net Worth Client Needs, Women's Financial Planning Issues, Estate & Generational Planning Issues, Planning Concerns for Corporate Executives
Certifications
NAPFA Registered Financial Advisor, CFP®, MA

Clare Wherley
Lassus Wherley
(908) 464-0102
1 Academy Street
New Providence, NJ
Expertises
Planning Concerns for Corporate Executives, Estate & Generational Planning Issues, Retirement Planning & Distribution Rules, Women's Financial Planning Issues, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA, MBA

Katharina Gschwend
Creative Financial & Divorce Planning, LLC
(908) 665-0022
112 Sherwood Drive
New Providence, NJ
Expertises
Middle Income Client Needs, Divorce Planning, Helping Clients Identify & Achieve Goals, Ongoing Investment Management, Retirement Planning & Distribution Rules, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, CDFA, CFP®, PhD

Thomas Duffy
Jersey Shore Financial Advisors, LLC
(732) 229-7489
331 Newman Springs Road
Red Bank, NJ
Expertises
Financial Issues Between Generations, Planning Issues for Business Owners, Estate & Generational Planning Issues, Insurance Related Issues, including Annuities
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Anthony DeVito
ADV Investment Management & Financial Planning
(800) 732-5031
151 Overlook Avenue
Staten Island, NY
Expertises
Ongoing Investment Management, Estate & Generational Planning Issues, Advising Medical Professionals, Retirement Planning & Distribution Rules, Advising Employee Benefit Plan Participants, Hourly Financial Planning Services
Certifications
NAPFA Registered Financial Advisor, CFP®, PhD

Michael Maye
MJM Financial Advisors, LLC
(908) 665-0330
68 Plymouth Drive
Berkeley Heights, NJ
Expertises
Ongoing Investment Management, Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA/PFS, MBA

Diahann Lassus
Lassus Wherley
(908) 464-0102
1 Academy Street
New Providence, NJ
Expertises
Ongoing Investment Management, Charitable Giving - Trusts & Foundations, Estate & Generational Planning Issues, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, CPA/PFS, MBA

James Gallo
KDI Financial Planning LLC
(908) 464-2011
52 Greenwood Road
New Providence, NJ
Expertises
Retirement Plan Investment Advice, Cash Flow/Budgets/Credit Issues, College/Education Planning, Helping Clients Identify & Achieve Goals, Hourly Financial Planning Services, Middle Income Client Needs
Certifications
NAPFA Registered Financial Advisor, BSEE, CFP®, MS

Robert Walsh
Lighthouse Financial Advisors, Inc.
(732) 747-6680
3 Harding Road, Suite B
Red Bank, NJ
Expertises
Ongoing Investment Management, Planning Issues for Business Owners, Helping Clients Identify & Achieve Goals, Planning Concerns for Corporate Executives, Estate & Generational Planning Issues, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA/PFS

Business Financing From The SBA / Small Business Administration

The Small Business Administration is the most useful resource available to startups and established small businesses. An Independent agency of the Executive branch of the Federal Government, the SBA has the responsibility of providing assistance to American small businesses in the areas of advocacy, management, procurement, and financial assistance. The SBA financing comes in the forms of investment programs, business loan programs, disaster loan programs, and bonding for contractors. In most cases, the SBA should be the first business financing resource a small business owner looks to for their financing needs.

The SBA has three different loan programs for small business financing . It is important to know that while the SBA has these programs, they do not actually provide the business financing . The SBA sets the guidelines for these loans, then their partners, which include lenders, community development organizations, and microlending institutions, actually make the loan to small businesses . The SBA guarantees the loans, to reduce the risk to the lenders.

The first type of business loan that the SBA offers is the Basic 7(a) Loan Guaranty. When a small business is unable to obtain financing from other sources, this is the primary business loan program offered. This is the SBA's most flexible business financing program, and it is ideal for start up business financing as well as established business financing . This type of new business financing can be used for most business purposes, such as working capital, equipment, office furnishings, land and building, leases, and even debt refinancing. The maturity date of the loan varies, depending on what the loan is used for. For working capital, the loan maturity is up to 10 years, while it is generally up to 25 years for fixed assets.

There are several different variations of the Basic 7(a) loan program, designed to fill specific needs. This type of loan is the closest a small business owner can get to free business financing, because any fees that the SBA has for administration are charged to the lender. However, the lender does have the right to make those fees a part of your loan, which means that you may ultimately pay those fees.

The second type of loan that the SBA offers is the Microloan. This is known as the 7(m) loan program. These are short-term loans of up to $35,000, and are primarily for small businesses and non-profit child care centers. They are meant to provide working capital, inventory purchases, supplies, furnishings, and equipment. They may not be used to pay existing debts or to purchase real estate. This type of business financing is great for business owners who wish to expand.

The third type of small business financing available through the SBA is a Certified Development Company (CDC) loan. Known as the 504 loan program, these loans should only be sought by businesses that require brick and mortar financing . These are long-term...

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