Getting Money to Grow Your Business...

JRM Financial Associates knows that requesting a business loan without adequate preparation sends a clear message to the lender that you represent a High Risk!  It is therefore critical to be prepared and organized in your approach for financing.

When seeking bank financing in NJ or elsewhere, give yourself the best opportunity to receive funding by allowing JRM to prepare your loan proposal for you. Our proposals have a higher likelihood of success because they are created for the lender from the lender's perspective.

You will have a much better chance of getting the money you need because we know exactly what banks want to see.  Even more importantly, we know how to document and prove to them that you will be able to pay them back.

JRM Financial Associates' winning loan proposals come complete with...

• An Executive Summary: Here, we concisely state the purpose of the loan, the exact amount of money required, and explain what the loan will be used for and why it is needed.

• Pro-forma Cash Budgets and Financial Statements: We use your data along with underlying assumptions to prepare information that your banker can easily read and buy into.

• Owners Personal Financial Statements: We make copies of the last 3 years of your personal tax returns for the bank and also identify the collateral being pledged as security for the loan.

• Representation: We then help substantiate your financial needs and present your position to your bankerin person.