About Us | Cambridge Financial Services

The Methodology

Established in 1985, Cambridge blends the institutional precision of lenders with the operational focus of CFOs and entrepreneurs.

Smaller businesses may not warrant the employment of a full-time financial officer, often forcing senior management into double-duty that takes valuable time away from growth. Conversely, larger enterprises may have personnel on hand but require specialized expertise on a project-specific basis.

Unfamiliarity with the modus operandi of financiers and institutions can cause frustration and wasted time. This is where Cambridge makes a positive impact, providing the resource of financial expertise and a high-level network to navigate disputes, debts, and new opportunities.

Relationship Driven

The majority of our engagements are by referral. We review potential client situations free-of-charge to determine if objectives can be reasonably attained with our assistance.

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Leadership

Architects of Recovery

Founder & Managing Director

Nick Jalowski

Founder & Managing Director

Nick Jalowski

Nick Jalowski is the Founder and has been the Managing Director of Cambridge Financial Services, LLC since its inception. In addition to his role in overseeing the management of the firm, he is a practitioner specializing in strategic consulting to firms in need of guidance in turnaround management, corporate revitalization, financing negotiations, loan restructuring and/or workout management. He is also occasionally engaged as an expert in litigations involving financial issues.

He brings a wealth of experience to his assignments not only from past client engagements, but also as an owner in various businesses. He achieved the Certified Management Consultant designation from the Institute of Certified Management Consultants, and is in a select group of practitioners that have attained the designation of Certified Turnaround Professional from the Turnaround Management Association.

In addition to his duties at Cambridge Financial, Nick Jalowski is a Past President and Chairman of the Board of Directors of the New Jersey Turnaround Management Association, a member of the Secured Finance Network, New Jersey Chapter, and a member of the New York Institute of Credit. He is a frequent guest speaker for various organizations. He was a past member of the Board of Directors of the Make-A-Wish Foundation of New Jersey.

Formerly a corporate banker with Bank of New York in New York City, and Fidelity Union Bank in New Jersey, he is a graduate of the McIntire School of Commerce at the University of Virginia and resides in New Jersey.

Financial Management Consultant

Gerard Jalowski

Gerard Jalowski is a Financial Management Consultant specializing in the technical execution of corporate renewal and complex financial restructuring for middle-market companies. He brings a systematic, engineering-driven rigor to the Cambridge methodology, applying the same creative and complex problem-solving principles to financial insolvency that are required in engineering.

He leads the firm’s analytical operations, serving as the primary architect for 13-week cash flow models, three-statement analysis, and comprehensive borrowing base calculations. His role is pivotal in the diagnostic phase of an engagement, where he translates operational data into the actionable credit proposal packages and variance reports necessary to restore lender confidence and stabilize operations.

Gerard holds an MBA with a Certificate in Business Analytics from the University of Nebraska and a B.S. in Civil Engineering from the University of Virginia. He is an active member of the Turnaround Management Association (TMA), the Secured Finance Network (SFNet), and the Association for Corporate Growth (ACG).

Financial Consultant

Gerard Jalowski

Scalability

An Extended Network of Expertise

Cambridge operates with a core team to manage client relationships and provide foundational advisory services. However, we occasionally utilize our longstanding relationships with Specialized Independent Contractors when assignments require unique operational expertise.

This "Integrated Network" model ensures that our clients receive the most relevant technical guidance for their specific industry. Each partner is carefully vetted for quality, safety, and compliance, maintaining the high standard of excellence associated with the Cambridge name since 1985.