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Has your small business been impacted by the economic downturn?

As a small business owner, having access to small business financial consulting can make the difference between just being the boss and realizing your financial goals. Working with an NFCC member agency and learning more about taking control of your personal and business finances helps ensure your business is on track and stays there.

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Our programs result in plans of action you can follow

Sharpen Your Financial Focus® logo

This program, available to you through an NFCC member agency, focuses you on your most pressing personal and business financial challenges:

  • Schedule a one-on-one financial review with a member agency near you.
  • Participate in a targeted financial education session.
Find a Member Agency

How we support your financial wellness

The National Foundation for Credit Counseling® (NFCC®) has joined forces with TD Bank, America’s Most Convenient Bank® to launch the NFCC small business financial counseling and education program.

Why choose us?

For more than 60 years, the NFCC and its member agencies have helped individuals and
small business owners with their financial questions and concerns.


No one is turned away. You always know where you stand and who to call with questions.

Local to you

NFCC member agency offices nationwide are staffed by small business owner coaches.

We can help you.*



your personal and business finances.



your knowledge of how to manage business cash flow, tax implications, insurance and more.



checklists, worksheets and a customized financial action plan to better manage your small business.



personal debt that you may be using for your business.

*Results are not guaranteed.

Real results.

Working with an NFCC® Certified Financial Counselor has already made the difference for
thousands of small business owners. Let NFCC’s small business financial coaching make
a difference for you and your business.

Sharpen your Financial Focus® Program participants report2 that...


now pay debt more consistently.


have improved their overall financial confidence.


are better at managing their money.

Source: The evaluation of the Sharpen Your Financial Focus program is being conducted
by researchers at The Ohio State University.

In Their Own Words: Hear from People We’ve Helped

Lucila R.

American Financial Solutions, an NFCC member, has opened a door of hope into our business. It’s became a new opportunity to be able to continue paying our debts but at the same time growing our small business. For the first couple of years I was using my personal credit to help me out with the store expenses. After talking with American Financial Solutions, they helped me see the essence of separating personal vs business expenses. Now I’m working on a budget routine and trying to separate personal from business expenses.