Run a stronger business. Get ready for capital.
Practical financial tools, plain-English education, and a free diagnostic for U.S. small business owners — including entrepreneurs in underserved communities. No fees. No fine print.
Request a Free Business Diagnostic
How NAJA Capital Helps Entrepreneurs
Most small business problems aren’t mysterious — they show up in cash flow, pricing, working capital, controls, or readiness for capital. We work with entrepreneurs on the same fundamentals that institutional investors expect from their portfolio companies, translated for a small business reality.
Capability Areas
- Business Planning. Realistic plans tied to numbers — assumptions, drivers, milestones, and capital needs you can actually defend.
- Budgeting. Annual budgets and quarterly re-forecasts that fit your operation — not a 40-tab spreadsheet.
- Cash Flow Management. 13-week rolling cash flow, payable timing, collections discipline, and a simple early-warning view.
- Pricing Strategy. Cost-plus, value-based, and competitive pricing reviews, including margin analysis and break-even by product or service line.
- Financial Controls. Segregation of duties, approval thresholds, monthly close discipline, and basic audit-readiness.
- Access to Capital. A clear view of your options — SBA loans, working capital lines, term debt, mezzanine, equity — and the documentation each one requires.
- Debt Readiness. Debt service coverage analysis, covenant modeling, and a “lender’s view” of your business before you walk into a meeting.
- Investor Readiness. A pitch, a model, and a data room a small business can actually maintain.
- Growth Planning. Unit economics, capacity planning, and the financial side of expansion decisions.
- Turnaround Support. Stabilization plans, cash conservation, and a path back to controlled growth.
- Governance Basics. Advisory boards, board reporting, accountability structures, and the disciplines that make a business fundable.
Free Resource Spotlight — Business Financial Health Checklist
A 7-area, 35-question checklist covering revenue and pricing, cash flow, debt and capital structure, controls and reporting, governance, growth, and resilience. Use it to score your business and decide what to fix first. Free. No payment. No upsell.
Download the Checklist (PDF) →
FAQ
Is the diagnostic really free?
Yes. The first 45-minute working session and the written summary are free. We will tell you whether further work is appropriate, and if so, what it would look like.
Do I have to be a current client to use the resources?
No. Every template, checklist, and explainer on this site is available to anyone.
What size businesses do you work with?
Most engagements are with U.S. small and medium-sized businesses with annual revenue from approximately $250,000 to $50 million, though we make exceptions for early-stage companies and community-based operators.
Do you replace my accountant or attorney?
No. We work alongside accountants, attorneys, lenders, and investors. We don’t provide legal, tax, immigration, or investment advice.
Bring your hardest financial question
Submit a free business diagnostic and tell us what’s on your mind — cash flow, pricing, debt, fundraising, governance, or turnaround. We’ll come back with a clear, written assessment.
Request a Free Business Diagnostic
NAJA Capital is a financial advisory and investment platform. The information on this page is general educational content and does not constitute legal, tax, accounting, immigration, financial, or investment advice. Submitting a form or downloading a resource does not create an advisory, fiduciary, or client relationship. Please consult qualified professionals before making decisions.