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JeanWojtowicz

Small Biz Finance columnist

Wojtowicz, president of Cambridge Capital Management Corp. in Indianapolis, writes about issues that affect financing for small-business owners. Since about 70 percent of employees work for small firms, she figures that’s a big audience. Wojtowicz started learning about small businesses by working in a variety of her family’s businesses in Antigo, Wis., including a furniture store, real estate office and the family movie theater business. After graduating from the University of Wisconsin, she moved to Indiana and now considers herself a full-fledged Hoosier. Her company manages four alternative small-business financing programs. Through those funds her firm has provided over $400 million to more than 1,100 Indiana companies. Wojtowicz counts among her borrowers a diverse lineup of companies that help the Indiana commercial landscape grow: including landscapers, airports, software designers and a variety of manufacturers.

Phone:
843-9704



Recent Articles

WOJTOWICZ: Temporary program helps refinance commercial mortgages

February 24, 2012
A recent study from Credit Suisse found that over $15 billion of small commercial mortgages (under $5 million) are coming due in the next few years.
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WOJTOWICZ: Do homework before meeting business lender

December 19, 2011
Prepare to talk in detail about your business, the plans you are making and the reasons for expanding before you show the banker the facts and figures.
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WOJTOWICZ: Character always counts—even in loan decisions

September 23, 2011
During these difficult times, small-business lenders are looking harder at intangibles—including a borrower’s character.
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WOJTOWICZ: Missed tax payments could affect business loans

July 1, 2011
Property tax billing and collection were at their most confusing during the recession, when businesses were experiencing lost revenue, poor projections and, in general, toughing it out as best they could.
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WOJTOWICZ: Relief available for firms with falling real estate values

June 3, 2011
New law allows banks to refinance existing real estate and equipment debt through the U.S. Small Business Administration 504 loan program.
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WOJTOWICZ: How to lay your hands on working capital

December 6, 2010
Small-business owners looking for working capital would be well-served to do their research in advance and can ask their bankers about several approaches, including financing based on assets.
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WOJTOWICZ: Be careful when locking in low loan rate

August 27, 2010
This may be a golden opportunity for small-business owners to lock in a low rate to finance expansion. But make sure you understand the loan agreement.
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WOJTOWICZ: Is it time to buy rather than lease space?

November 28, 2009
Buying a building for your business is still possible in a tight lending market, but bankers will review real estate purchases carefully.
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WOJTOWICZ: Stimulus is expanding small-biz lending

July 27, 2009
The economic stimulus package allocated $375 million to the U.S. Small Business Administration so it could offer more generous terms to small-business borrowers.
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Avoid temptation to delay property tax payments

March 30, 2009
If you are late in making property tax payments, begin to chip away at your bill by making weekly payments.
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Lean companies have best chance to survive

November 24, 2008
Make your business look as attractive as possible to your banker because you are competing for financing with other small businesses.
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  1. Back in my teens/early 20s, Chicago's in Greenfield was a spot where my friends and I ate on a constant basis. Chicago's has always offered good pizza and bread sticks, but after getting married and buying a home, their prices and locations have made it so I would only get their pizza once every three years. They have expanded into McCordsville, but sadly closed the downtown Indy store years ago (this was the coolest layout for a restaurant in my opinion).

    Just recently we decided to try Chicago's at the old Greenfield location. While it was clean, they haven't updated much over the last five years or so. Still the same layout, booths, tables, etc.. I made a comment to my wife about how that place hasn't changed in years. Good to see they are doing well enough to build a newer building.

  2. INDIANA CASINOS ARE TIGHT. OTHER OUTSIDE CASINOS HAVE WINNERS ALL DAY LONG. PEOPLE HIT REGULARLY AT OUTSIDE CASINOS, INDIANA CASINOS HAVE FEW WINNERS ESPECIALLY THE LARGER JACKPOT WINNERS. PEOPLE ARE NOT WINNING ENOUGH AT INDIANA CASINO , SO THEY ARE NOT FUN TO VISIT. I,D RATHER TRAVEL TO OUTSIDE CASINO AND TAKE THE CHANCE ON WINNING AND HAVING FUN DOING THAT , THEN TO KNOW THAT YOUR CHANCES AT WINNING AT A INDIANA CASINO AREFAR AND IN BETWEEN.

  3. record low crowd and a record low TV audience.

  4. for an IRL carb day. Like a record tv number,,,,that would be soooo hard

  5. For those of you who think the state didn't do as much as they should...the state did $6M more than they should!!! As a taxpayer I am opposed to the $6M!!!

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