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Transforma tu negocio en un negocio preparado para obtener crédito con nuestra Metodología BFA.

Herrera Capital Advisors LLC • Jersey City, New Jersey

The Problem

Capital is within your reach. What is missing is showing up with the right tools.

Commingled Accounts

Mixed business and personal finances create significant risk for lenders and hinder your ability to demonstrate clear capital structure.

Untraceable Cash Sales

Unrecorded cash transactions create a shadow economy that banks cannot verify, leading to immediate credit rejection.

Wrong Channel

Submitting to the wrong institution wastes time and resources, often resulting in a rejection due to a lack of institutional fit.

No Financial Statements

A lack of formal documentation makes it difficult for banks to assess your historical performance and future growth potential.

No Projected Cash Flow

Many businesses give up after one rejection, missing other financing options and opportunities to grow.

Giving Up After Rejection

Many businesses fail to pursue alternative financing options after a single rejection, missing out on the capital they need to grow.

What We Do

Financial Order

We establish the structural integrity of your business, ensuring every financial transaction is transparent and compliant with industry standards.

Credit Preparation

We build the foundation for
your business to be recognized
as a creditworthy entity, preparing
your financial statements for institutional review.

Growth Plan

We design a strategic roadmap
for your business, focusing
on sustainable capital growth and
long-term market expansion.

First Loan

We navigate the complexities
of the lending process, securing the initial capital required to launch or scale your operations.

We conduct a comprehensive assessment of your business's
current state, identifying areas for immediate improvement and
strategic advancement.

BFA Diagnostic

We provide continuous
supportand monitoring to
ensureyour business maintains
its credit-readiness and
financial stability.

Follow-up

Where is your business today?

Take the BFA self-assessment and get your BFA Score.

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Christian Herrera

Seasoned financial strategist with over 15 years of experience in the banking and capital markets. He founded Herrera Capital Advisors to provide high-level business advancement through the BFA Methodology. His expertise in bankability and formalization has helped numerous enterprises secure the capital needed for sustainable growth and long-term success.

  • “The BFA process gave me
    clarity around my finances and
    a clear roadmap for the next
    stage of my business.”


    — Placeholder Client, Small Business Owner

    Image by Jhon Jim
  • “The BFA process gave me clarity
    and a clear path forward.”


    — Placeholder Client, Small Business Owner

    Image by Towfiqu barbhuiya

Free Resources

Urban Enterprise Zone

Is my business in an Urban Enterprise Zone?

Credit Channel Fit

Which credit channel fits me?

Self-Assessment

BFA Self-Assessment in 10 questions

FOR ADVISORS · COMING SOON

BFA Coaches School & Financial Growth Advisors

Certification for independent advisors, CDFI staff, and chambers of commerce to apply the BFA protocol with the same instruments, thresholds, and indicators. Training via Zoom. The manual and program will be published on this page.

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