The free financial education program
NAJA Capital publishes a set of financial tools for small and mid-sized business owners and makes them available to the public at no cost. This is the firm’s financial education program, and it is operating today.
Ten tools are currently published. Each is a working template, checklist or worksheet rather than a summary or a brochure, and each was built to be used by a business owner without a finance department. There is no fee, no paid membership, no consultation requirement and no commercial relationship of any kind required to obtain them.
How the library works
- Free. Every resource is free of charge. Enter a name and an email address and the file is sent immediately. There is no payment step and none is planned.
- Editable. Spreadsheets are provided as .xlsx files; documents as .docx and .pdf.
- Plain English. Each resource includes a one-page guide explaining how to use it. The materials are published in English.
- Standardized, not tailored. These are general-purpose instruments intended to be adopted directly by any business that finds them useful. They are not advice on any particular situation.
- Confidential. We do not sell or share your information. See our Privacy Policy.
The library — ten free tools
01 · Cash Flow Template
A 13-week rolling cash flow worksheet with built-in formulas and an early-warning summary. Format: Excel
Get this resource — free
02 · Business Budget Template
An annual operating budget with revenue, COGS, payroll, opex and capex sections, plus a monthly variance view. Format: Excel
Get this resource — free
03 · Investor Readiness Checklist
A 50-point checklist covering corporate documents, financials, projections, KPIs, governance and the standard contents of a small-company data room. Format: PDF
Get this resource — free
04 · Small Business Financial Health Checklist
Score your business across seven areas: pricing, cash flow, debt, controls, governance, growth and resilience. Format: PDF
Get this resource — free
05 · Access to Capital Preparation Guide
A plain-English overview of SBA loans, working-capital lines, term debt, mezzanine, equity and Opportunity Zone capital. Format: PDF · 12 pages
Get this resource — free
06 · Business Plan Outline
A structured outline for a credible 12–18 page business plan. Format: Word
Get this resource — free
07 · Pricing Strategy Worksheet
Cost-plus, value-based and competitive pricing models in one workbook, with break-even calculators and margin sensitivity tables. Format: Excel
Get this resource — free
08 · Debt Capacity Checklist
Calculate your DSCR, FCCR and a simulated covenant package, then estimate how much debt your business can responsibly carry. Format: Excel
Get this resource — free
09 · Monthly Financial Dashboard Template
A one-page monthly dashboard with revenue, gross margin, opex, EBITDA, cash, AR/AP and three KPIs of your choice. Format: Excel
Get this resource — free
10 · Turnaround Action Plan Template
A 30-60-90 day stabilization framework: cash triage, vendor and lender communication, cost actions, governance steps and a recovery scoreboard. Format: PDF
Get this resource — free
Looking for something specific?
Tell us. New tools are added based on what business owners ask for. Request a resource →
NAJA Capital is a financial advisory and investment platform. The information on this page is general educational content. It does not constitute legal, tax, accounting, immigration, financial or investment advice, and it is not a recommendation to buy, sell or hold any security or to enter into any transaction. Submitting a form, downloading a resource or corresponding with us does not create an advisory, fiduciary, legal, tax, investment or client relationship. No outcome — including financing, investment return, tax treatment, regulatory result or business result — is promised or guaranteed. Please consult qualified legal, tax, accounting, financial, investment and immigration professionals before making any decision.