Personal Credit Counseling
Understand your credit report and learn practical ways to build healthier credit habits.
- Review common credit-score factors
- Understand credit-report information
- Identify practical steps to improve your credit profile
New Jersey • Personal & Business Guidance
Guided by Faith.
Focused on Your Future.
Clear, practical guidance for understanding your credit and preparing to explore financing opportunities for your small business. Based in New Jersey, proudly serving clients across New Jersey, New York, and Pennsylvania—in English and Spanish.
Personal credit guidance • SBA 7(a) loan preparation • Commercial real estate financing assistance
Serving NJ • NY • PASe Habla Español
How We Can Help
Guidance for your next financial step
Whether you are working to understand your personal credit or preparing for a business financing conversation, we can help you organize your next steps.
SBA 7(a) Loan Preparation
Prepare for conversations with participating lenders and better understand common application requirements.
- Organize business and financial information
- Review common lender documentation requests
- Prepare questions for a participating lender
Commercial Real Estate Financing
Assistance for small business owners exploring financing options for commercial property.
- Commercial building purchases
- Commercial mortgage refinancing
- Preparation for lender discussions
Serving the Tri-State Area • Servicio en la Región Triestatal
Local roots. Service across NJ, NY & PA.
Our office is based in New Jersey, and we welcome inquiries from individuals and small business owners throughout New Jersey, New York, and Pennsylvania. We proudly assist clients in both English and Spanish.
Con raíces en Nueva Jersey y servicio en NJ, NY y PA. Nuestra oficina está ubicada en Nueva Jersey y recibimos consultas de personas y pequeños empresarios de Nueva Jersey, Nueva York y Pensilvania. Con gusto atendemos en inglés y español.
New Jersey
Nuestra oficina / Our office
New York
Serving clients across the state
Pennsylvania
Serving clients across the state
Bilingual service
English & Español
We proudly assist clients in English and Spanish, providing personalized guidance to help you navigate your credit and financing needs with confidence.
Nos enorgullece atender a nuestros clientes en inglés y español, ofreciendo orientación personalizada para ayudarle a comprender sus opciones de crédito y financiamiento.
A Practical Approach
Simple steps. Clear direction.
Our goal is to help you understand your options and prepare for informed conversations about credit or financing.
Start a conversation
Tell us about your credit questions or your small business financing goals. Please do not send sensitive financial information through the initial inquiry form.
Understand your next steps
Discuss the information, preparation, and questions that may be useful for your situation.
Prepare with confidence
Use your next-step plan to prepare for credit-management decisions or discussions with potential lenders.
Guided by Faith
Focused on Your Future
✝ Faith is an important part of our values. We aim to serve with honesty, respect, and care for each person’s goals.
About the Company
Personal attention. Practical financial guidance.
H. Patricio Alarcon
Credit & Mortgage Specialist
CREDIT ANALYSIS & SOLUTIONS, LLC helps individuals better understand their credit and supports small business owners as they prepare to explore financing options, including SBA 7(a) loans and commercial real estate loans. Based in New Jersey, we serve clients throughout New Jersey, New York, and Pennsylvania.
Ayudamos a las personas a comprender mejor su crédito y apoyamos a los pequeños empresarios en la preparación para explorar opciones de financiamiento, incluidos préstamos SBA 7(a) y préstamos para bienes raíces comerciales. Nuestra oficina está en Nueva Jersey y atendemos a clientes de Nueva Jersey, Nueva York y Pensilvania.
We believe informed decisions begin with clear information, thoughtful preparation, and an understanding of the available options.
Contact
Let's discuss your goals
Reach out in English or Spanish with a general question or request a conversation about our services.
Comuníquese con nosotros en inglés o español. Estamos aquí para conversar sobre sus necesidades de crédito y financiamiento.
CREDIT ANALYSIS & SOLUTIONS, LLC
Based in New Jersey • Serving New Jersey, New York & Pennsylvania
Se Habla Español
Puede comunicarse con nosotros en español.
Phone(201) 926-9875
Our mottoGuided by Faith • Focused on Your Future
Important information: Credit guidance does not guarantee a specific credit-score result. SBA 7(a) loans are provided through participating lenders, and all financing is subject to applicable program requirements, lender underwriting, and approval. CREDIT ANALYSIS & SOLUTIONS, LLC does not promise loan approval. This website provides general information, not legal, tax, or investment advice. Please contact us to confirm which services are free and whether any other services have fees.