Master Your Personal Credit and Business Cash Flow

June 3 | In-person workshop, M&T Bank, Paramus, NJ
July 15 | Webinar

Sign up for this 2-part event series, sponsored by M&T Bank, to improve your personal credit and gain control of your business cash flow!

During these sessions you’ll learn:

Get the details on each session here!

When you attend, you’ll get access to exclusive giveaways, like a free financial fitness test for your business, and one-on-one sessions with expert consultants.

Don’t miss this chance to take your business to the next level. Save your seat today!

Sign up for the series!

About the Sessions

This comprehensive series is designed for entrepreneurs that have been in business for more than one year, but all are welcome to attend! Here’s what you’ll learn in each session:

In-Person Workshop: Master Personal Credit and Business Cash Flow Management

Wednesday, June 6 | 5:30 - 7 PM | M&T Bank, 45 Eisenhower Drive, 5th Floor, Paramus, NJ 07652

In this in-person session you’ll learn about:

Your business financial statements and why they matter
How to ensure your business is financially sound
Cash flow management and business planning
How to review and improve your personal credit
How your personal credit score impacts your business’s future

Webinar: Business Cash Flow Management: Where is All My Money Going?

Wednesday, July 15 | 12 - 1 PM | Virtual

In this webinar session you’ll learn how to:

manage expenses and inventory costs
categorize your expenses
calculate your exact target, know what to cut, and what to keep
recognize when you have a business model problem versus an expense problem

Meet Your Presenters

Paola Garcia-Villari

Managing Vice President, Business Advisory Services and Business Development | Pursuit

Paola Garcia-Villari is responsible for overseeing and operating Pursuit’s Business Advisory Services (BAS) team. She joined Pursuit as an underwriter in 2013, working on the Hurricane Sandy loan and grant programs. During her time with Pursuit, Paola has developed significant relationships with banks and referral partners and has helped thousands of small businesses obtain the capital they need to grow.

Prior to Pursuit, Paola worked at NYC Business Solutions – Lower Manhattan as a Finance Account Manager and as Senior Loan Officer at Accion USA. She is a graduate of Hunter College, where she received her B.A. in Psychology with a minor in Chemistry and Biology. Paola was born in Colombia and now lives in New York with her husband and their son, Lucas.

Carlos Lopez

Business Banking Relationship Manager | M&T Bank

Carlos Lopez is a Business Banking Relationship Manager with M&T Bank, supporting business owners across Clifton, Paterson, and Wayne. He partners with small and mid-sized businesses to help them manage cash flow, structure financing, and make informed decisions that support sustainable growth. His approach is centered on understanding each client’s business and serving as a long-term financial partner, not just a lender.

In addition to his role at M&T Bank, Carlos serves on the board of the Paterson Alliance, where he works alongside business, nonprofit, and civic leaders to promote economic development and strengthen the local business community. He is deeply committed to the region he serves and brings a practical, community-focused perspective to discussions around local business challenges and opportunities.

Luisa Ruiz Oviedo

Bilingual Branch Manager, Paterson Branch | M&T Bank

Luisa Ruiz Oviedo is proud to serve as Branch Manager of M&T Bank’s Paterson Branch, where she focuses on building strong client relationships, developing high-performing teams, and delivering meaningful financial solutions to our community.

With over 20 years in banking, she began her career at Citibank and joined M&T Bank in 2018 as part of the original team that opened the Paterson Branch. She has progressed through key roles, including Senior Relationship Banker, and recently completed the Branch Manager Development Program (BMDP), further strengthening her leadership and strategic focus.

Luisa is passionate about helping individuals and businesses grow by understanding their needs, identifying opportunities, and delivering tailored solutions through lending, treasury, and everyday banking. She leads with a strong commitment to customer experience, collaboration, and continuous improvement.

Deeply connected to the Paterson community, Luisa is dedicated to building trust, strengthening partnerships, and creating long term impact.

Headquarters

19 British American Blvd East
Latham, NY 12110

For loans: 1-866-466-9232
Main: 1-800-923-2504
[email protected]