Programs
En Español

KNOWING RISING TIDE CAPITAL IS JUST A PHONE
CALL AWAY BRINGS A SENSE OF
SECURITY ALONG THIS JOURNEY.

Gustavo Estrada
Supreme Consultants, LLCCOMMUNITY BUSINESS ACADEMY GRADUATE Fall 2013

CREDIT TO CAPITAL

 

As a business owner, at some point you will need access to capital to keep your business momentum growing. You might need to invest in equipment, inventory, or staff to take your business to the next level, but without knowing what lenders or investors are looking for it can be difficult to get the financing you need.

In the Credit to Capital program you will work one-on-one with a business coach to acquire the source of capital that best suits your needs.

SMALL LOANS GROW BUSINESSES

Learn how Rising Tide Entrepreneur Joanna Deleon used two Kiva Zip loans to grow her eco friendly print company, Triple Green Custom Print Developers.

Watch video

SAVE TIME, SAVE MONEY AND
AVOID MISTAKES!

Fill out our program inquiry form today, and get ready for investment!

GET STARTED

FREQUENTLY ASKED QUESTIONS
  • DOES RISING TIDE CAPITAL LEND MONEY?

    No. Rising Tide Capital works with a network of financing partners that specifically focus on providing small business loans. We focus on being the entrepreneur’s advocate in the process.

  • WHAT KINDS OF FINANCING ASSISTANCE DO YOU OFFER?

    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
  • HOW DOES IT WORK?
    • 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.
  • WHAT'S THE COST?

    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).

  • WHO ARE SOME OF THE MICROLENDERS IN THE CREDIT TO CAPITAL NETWORK?

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

  • AM I PERSONALLY RESPONSIBLE FOR THE LOAN COMMITMENT TO MY BUSINESS?

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

  • HOW CAN RTC HELP ME WITH PERSONAL FINANCE GOALS?

    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
  • WILL A LENDER WANT TO KNOW MY CREDIT HISTORY AND/OR CREDIT SCORE?

    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.

  • HOW CAN YOU HELP ME WITH MY CREDIT?

    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.

  • WHAT ARE SOME NON-TRADITIONAL FINANCING OPTIONS THAT MAY BE AVAILABLE TO ME?

    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.

Rising Tide Capital basically vouched that I would use my loan appropriately and pay it all back. They also helped me through the application process. The loan has been vital to my business. I used it to outfit my own commercial kitchen, including the purchase of appliances.

ELIZABETH MIGLIORE JERSEY CITY VEGGIE BURGERS
COMMUNITY BUSINESS ACADEMY GRADUATE FALL 2011