Finances Mogul & Small Business Lending Expert 

Reach Your Goals


About Me

Myriam E. Cruz is a business professional with diverse operations, accounting, entrepreneurial experience, and business lending experience. Her passion lies in developing and implementing cost-effective and process efficient operating solutions for small businesses. Client relationships are the core of her being in this business; it is this connection that drives her desire to interpret client needs and design solutions to deliver end-to-end systematic results.

With over 18 years of experience in the financial and banking industry,  she is the principal owner-operator of  Your Finances LLC, and works as a private consultant, business coach, business lending consulting and brokerage services.   Her emphasis is tied to using QuickBooks accounting software as a tool to deliver a full range of financial and administrative solutions for small businesses and tying all financials to help business growth and qualify for financing.

Myriam also joined NJSBDC (New Jersey Small Business Development Center) at RVCC as the Center’s first Spanish business and loan package development counselor. Her professional and bilingual capabilities help the NJSBDC provide counseling and training services to a broader audience.

Myriam served as a Board Member on the Statewide Hispanic Chamber of Commerce of New Jersey and has been a speaker for the Small Business Administration SBA regarding Small Business Lending and specifically on how to obtain an SBA Loan.

Myriam assisted hundreds of business owners to obtain financing through Commercial Real Estate, SBA Loans, Equipment Financing, and lately to qualify and obtain Covi-19 Grant Programs through the Small Business Administration, the NJ EDA, and others available for business owners.

"I want to make an impact on every person that I meet, consumers and business owners" As a Latina I know we don't have full access to all opportunities and tools available to be successful. I want to share my skills, knowledge and help others to get to the next level".

Modern House

Ready to Begin Your Real Estate Journey?



Experience You Can Trust

Buying a Home

A house is the largest financial investment you ever make.

Buy a Home the right way! 

Let me guide you in the process.

Sell your Home Fast

How much is my house Worth?

When a home sits on the market for too long it loses appeal and can cost you money. 

Call me to schedule an appointment, 

100% Free Home Value Report.

Reach Your Goals


When it comes to Keller Williams, foresight is 2021. Gary Keller and Josh Team saw the future ahead, placed a HUGE bet on tech, and that’s why our business is still thriving during a pandemic. Who’s the Nostradamus of your brokerage? Email me to discuss the future of real estate


Sesh Subramanian

Business Manager at Bloomberg LP

I'm in the process of starting a small business and was looking out for SBA loans. This being my first business and the loan amount being significant, I thought I had very little chance of obtaining the loan through SBA. Thanks to Myriam, who worked tirelessly with me to ensure that we got all my paperwork in order - business plans, pro-forma financials, estimates of start-up costs, corporate experience, other supporting adviser/consultant etc. Myriam is honest and trustworthy and was able to manage my expectations very well. By the time I closed on the loan, Myriam had already moved on to Celtic Bank but the ground wok that she laid along with the transition process set me up for success. I highly recommend working with Myriam, particularly on your SBA loan needs.

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© 2020 by Myriam E. Cruz