Jean Wojtowicz

Jean Wojtowicz

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:

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ARTICLES

WOJTOWICZ: Lots to consider when weighing mortgage payoff

You certainly don’t want to keep paying a mortgage if it restricts your business in other areas. But you don’t want to cough up too much at once and have the same effect.
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WOJTOWICZ: Prepare, then apply for small-business loan

To write (or refresh) your mission statement, think about what you do, how you do it and why you want to do it.
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WOJTOWICZ: Is small-business ownership for you?

The horror stories are sobering: Dun & Bradstreet reported earlier this year that businesses with fewer than 20 employees have only a 37 percent chance of surviving four years and just 9 percent will be around 10 years.
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WOJTOWICZ: Lenders need financial statements to protect investment

The bank needs to know how your business is doing right now (usually the most recent 30 or 60 days), rather than rely on your current year’s tax return that may have aged several months.
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WOJTOWICZ: It pays to know environmental requirements

Unexpected problems add to the headaches of opening or relocating a business, and we hear a lot about the hang-ups of required, but annoying, environmental investigations.
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WOJTOWICZ: Temporary program helps refinance commercial mortgages

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

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

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

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

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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