Through our Capital to Credit Program, we can help you:
Prepare

• Review your credit report and improve your score
• Ensure that your financials are in order
• Gather the documents you’ll need

Connect

• Quickly find the options for financing that are right for you
• Save time by simultaneously applying to multiple sources of financing
• Gain preferred access to our network of financing partners

Grow

• Get expert advice to select your best option
• Work with a coach to maximize your financial performance

• You’ll work with a coach to go over your business goals and create a financial action plan to get your business investment-ready.
• You will then gain access to our network of financing partners by creating a profile on our innovative, online loan matching platform: The Capital Exchange. This platform will allow you to identify the products that are the best fit for your needs and to initiate the application process.
• Your coach will work with you every step of the way to package and submit all necessary information, answer questions, and help you make the best choices.

We know that starting a business is hard and financially stressful! Our program fees are low, because our goal is to make high-quality services affordable to you. Your first consultation is free. If you decide to move forward we charge an hourly rate of $25 ($10 per hour for Community Business Academy graduates).

Kiva Zip, Accion, The Intersect Fund, UCEDC, and the Greater Newark Enterprises Corporation

Yes. All lending to small businesses at the start-up level is based on a personal guarantee of loan repayment.

Rising Tide Capital can help you with your personal finance goals in several ways:

1. Personal Financial Literacy Workshops
2. Understanding and Improving Credit Scores
3. Learning Saving Strategies
4. Learning How To Pay Down Debt

Yes. This information is almost always required. However, our partners are typically nonprofit organizations who are dedicated to providing access to capital, even if your situation is particularly challenging.

You’ll work one-on-one with a business coach to go over your credit report line by line. If necessary, the first step may be to pursue a “Credit Builder Loan” that can help boost your credit score within just a few months.

There are many alternatives available to secure financing for your business, including crowd-lending and private investments. The goal of this program is to help you identify your options and select the right product for you. Fill out our program inquiry form and get started!