Thursday, June 14, 2018
8:00 - 10:30 a.m.
The Mansion on Main Street


Dennis Pullin
President & CEO,  Virtua

Kim Fortunato
Director - Community Affairs,  Campbell Soup Company
and President,  Campbell Soup Foundation

Amy Hever
Executive Director, Community Relations,  Philadelphia 76ers
and Executive Director,  Sixers Youth Foundation

Dr. Nyeema Watson
Associate Chancellor for Civic Engagement
Rutgers University - Camden

State Affairs Committee featuring
Senator Troy Singleton
Wednesday, June 6, 2018
8:00 - 10:00 a.m.
The Westin Mount Laurel, Mt. Laurel

How to request a loan: advice for small-business owners

By Jerome Baier
Vice President, South Jersey Business 
& Professional Banking
M&T Bank

Obtaining credit from a commercial bank, especially for the first time, can be an important moment for any entrepreneur. Think about the meeting with your banker as an opportunity to add a new business partner.


Banks have a vested interest in lending money. Financing commerce helps create jobs and other economic activity in South Jersey. Banks with experience lending to small business are well prepared to understand your business idea and build a productive relationship with you.


If you focus on certain areas, including your business plan, the experience and credit of the people involved in the business, and the feasibility of the business being successful, then you can improve your chances of getting financing. Here are a few things to keep in mind when preparing to meet with your banker.


Business plan:

An effective business plan should include the amount of debt needed, details of how each dollar will be spent and how the loan will help the small business achieve business goals. Highlight how much equity the owners have contributed. Applicants should also include detailed financial statements, for a minimum of two years if possible, and projections explaining how the business's profitability will generate cash to pay back the loan. Explain in detail the gross margin and all of your financial assumptions. How do the ratios compare to your industry? Do you have evidence your customers will buy your product or service at your price?



Lenders will evaluate the quality and reputation of you and your management team. A good personal credit score is essential to a small-business owner, because it affects the borrowing ability of the business and can be used by the lender in the underwriting process. Highlight the experience of your team with resumes, references, organizational charts, and other details giving the lender a strong view of your team's personal and professional accomplishments.



Lenders appreciate receiving applications that have been reviewed by experienced business advisors. Loan applicants can turn to a trusted CPA or commercial attorney, or utilize any of the area's small-business advisors. Your accountant, insurance agent, attorney, and lender must work together to ensure that you achieve your business goals.


If you're looking to learn more about financing options for small businesses, our partners at the U.S. Small Business Administration have a lot of technical assistance available at their district offices and through their Web site at


Approach your bank with the intent to build a long-term relationship. The more information you provide up front, the easier it will be for your lender to assess your situation and help you build your business with the right financing tools. Good banks succeed when their customers and communities succeed.

Chamber committee involvement offers members an excellent opportunity to take an active role in planning and implementing programs and strategies to achieve the Chamber's goals.  While participating on committees, you will be networking with other members, increasing the visibility of your company name and ultimately enhancing the effectiveness of your Chamber membership.  Please review the various committee descriptions below. We encourage you to join or assign key personnel from your staff to appropriate committees. Always keep in mind that your  Chamber membership is a company membership  and all employees at your company are invited to attend events and participate on committees.

Communications & Energy Committee
Meetings host policymakers who discuss issues relevant to the communications and cable industries, as well as the "traditional" utilities (gas, electric & water).

Congressional Action Committee
Meetings feature members of the region's Congressional delegation and U.S. Senate.

Environment Committee
Meets four times per year to discuss environment-related legislation and regulations and to hear from the state's top policymakers on these issues.

Health Issues Committee
Meets to discuss issues regarding health care, including cost and availability. High-level policymakers from health care and insurance address the committee.

State Affairs Committee
Meets eight times per year with members of the State Legislature and the Governor's cabinet. Members are updated at each meeting on current legislative issues.  

Transportation & Infrastructure Committee
Meetings feature high level speakers to discuss major transportation and other projects in our region.

HR Council*
This invitation-only committee comprised of HR professionals meets regularly to hear in-depth presentation from experts on the latest workplace issues impacting employers and share best practices. *THIS COMMITTEE IS OPEN BY INVITATION ONLY TO CCSNJ MEMBERS THAT ARE HR PROFESSIONALS. Please contact Christina Renna at or 856.424.7776 ext. 127 for more information.

Non-Profit Committee*
This invitation-only committee comprised of non-profit organizations meets quarterly to hear in-depth presentations from experts on the latest news and information from the non-profit world and to share best practices. *THIS COMMITTEE IS OPEN BY INVITATION ONLY TO EMPLOYEES AT CCSNJ MEMBER NON-PROFIT ORGANIZATIONS. Please contact Christina Renna at or 856.424.7776 ext. 127 for more information.

Interested in joining any of these committees? 

Rutgers Hosts Committed to Camden Committee
Committed to Camden Committee members met on May 23 at Rutgers University - Camden's new Nursing and Sciences building for an update from Camden City Mayor Frank Moran, and to learn how to use digital media to best market their business from Nichelle N. Pace, President & Principal, Brand Enchanting Media, LLC.

CCSNJ Women's Conference 
Held June 1
CCSNJ members participated in the Chamber's annual Women's Conference on June 1, featuring three breakout sessions, a cooking demonstration, and keynote remarks by Miss America Organization's President & CEO Regina Hopper. View all photos from the event here.



June 7
5:00 - 7:00 p.m.
June 21
8:30 - 10:00 a.m.

June 28
8:30 - 10:00 a.m.


Jim Catrambone
Executive Director
The Joseph Fund
The Chamber of Commerce of Southern New Jersey encourages the strengthening of relationships . Many of my fellow Ambassadors talk about a marvelous business opportunity that started with a simple act of kindness, perhaps offering to have a new member or a guest sit with you at lunch, or approaching someone who's standing alone looking uncomfortable. An act of kindness can serve as a great icebreaker!

Connecting is not easy for many of us and making the other person feel like they're the only one in the room at that moment rewards the courage they mustered to speak with you. So, try to a void looking past or over the shoulder of the person with whom you are conversing. R emaining present to that person via strong eye contact affirms your desire to engage. And don't look at your email on your iWatch when you're talking to someone!

Our subtle positive behaviors deepen our human connections.  The Joseph Fund of Camden was founded by a Catholic priest who built such a culture. Fr. Bob demands that we meet people where they are with human kindness and common courtesy. It's not only decent... it's good business!

CCSNJ Member Discounts are an exciting addition to the Chamber's daily efforts to promote member-to-member business. Enjoy multi-industry CCSNJ member-only promotions and don't miss out on the Chamber's featured monthly discount!

Discount Categories:
Obermayer Attorneys Named to PA Super Lawyers List
Obermayer Rebmann Maxwell & Hippel LLP is pleased to announce that a number of our attorneys were selected for inclusion in the 2018 Pennsylvania Super Lawyers® list.

Kathleen Kostiuk, CPSM, Promoted to Director of Marketing
GREYHAWK has promoted Kathleen Kostiuk, CPSM, to Director of Marketing and Business Development. Formerly the firm's Marketing Manager, Kostiuk has been with GREYHAWK since 2001.

"Kathy's marketing leadership, attention to detail, and ability to coach and mentor her colleagues have all contributed to GREYHAWK's continued success," said GREYHAWK Principal Ronald C. Kerins, Jr., CCM, LEED AP. "In recognition of her contributions and years of service, we are especially pleased to publicly announce her promotion on June 1, Kathy's birthday."

Camden Schools Foundation: 13th Annual Golf Tournament Fundraiser
The event will be held on Wednesday, June 27 from 10:30 a.m. to 6:30 p.m. at Pennsauken Country. The all day & evening event, sponsored by the Camden Schools Foundation,  continues with a reception, buffet dinner and the presentation of college scholarships to some extraordinary seniors in the Camden City School District. The golf outing is one of two major events held each year by the Camden Schools Foundation, a 501(c)(3), to raise funds for scholarships and STEMeducation. 

Full service commercial real estate brokerage & advisory firm.



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