Learn More, Do More – Part 2 (Spanish)

UCEDC is offering a unique opportunity to family-based child care providers to receive free business training.

This invitation-only, two-part workshop will cover a variety of business topics relevant to the operation of a successful family-based child care business.  Accounting basics, financial statements, cash flow, taxes, and credit reports will be addressed.

Participants will receive individualized business mentoring for a six-month period.

If you are a registered family child care provider in Middlesex or Somerset County, and would like to be considered for this workshop, contact Edward Ramirez at 908-527-1166.

Learn from the experts

Ed Ramirez
Training Officer

Ed has enjoyed many different types of professional opportunities throughout his career, but the common thread through all has been leadership management and service to others. With a strong foundation in both theory and practice, Ed brings a seasoned perspective to his clients’ business opportunities and challenges.

Following a 12-year stint in the Army as a Staff Sergeant stationed in Turkey, Ed began a 20-year career providing small business consulting and accounting services in New Jersey.    He then spent six years as a faculty member and Dean of Student Affairs at a small college in Ohio, where he helped shepherd the institution through a successful national accreditation process.

Along the way, Ed earned Bachelors degrees in Management and Accounting, a Master’s degree in Organizational Leadership, an Advanced Educational Specialist degree in Transformational Leadership, and is currently studying for a Doctorate in Business Administration.

Karina Ojeda
Loan Officer

Karina Ojeda serves as a loan officer on UCEDC’s financing team. She is responsible for business development and loan packaging for UCEDC’s financing products, including microloans, Community Advantage 7a loans, and SBA 504 Commercial Real Estate loans. She also helps develop and implement innovative loan programs tailored to meet the needs of disadvantaged business owners.

Karina comes to UCEDC with a solid background in alternative lending and economic development. She served as a loan officer at the Regional Business Assistance Corporation (RBAC), a fellow CDFI/SBA lender in New Jersey. Most recently, she was the Senior Loan Officer for The Intersect Fund, a private microlender and CDFI focused on low-income entrepreneurs in a 10-county region in NJ.

Karina left her home in Ecuador when she was 20 and supported herself while she earned a degree from Rutgers. She understands the value of hard work and takes pride in her hands-on approach to business development. She is eager to work with start-ups and established operations and welcomes the opportunity to partner with like-minded community organizations.