Category: Small Business Banking

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Small Business Loan 101

Posted by Bethany

 Over the course of my banking career, I have worked with numerous small businesses and if you own a small business or are thinking about starting one, there are a few things you should know when you start preparing to request a small business loan. First, your banker will need information about your business:[…]  Read more

 
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5 Ways to Protect Your Small Business from Account Fraud

Posted by FirstCapital Bank of Texas

Cybercriminals are targeting small businesses with increasingly sophisticated attacks. Criminals use spoofed emails, malicious software spread through infected attachments and online social networks to obtain login credentials to businesses’ accounts, transfer funds from the accounts and steal private information, a fraud referred to as “corporate account takeover.” Combating account takeover is a shared responsibility between[…]  Read more

 
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The Value of Working Capital Financing

Posted by Greg Burgess

Working capital represents the cash available to finance the short-term operational needs of an operating business. Often a business does not have adequate cash on hand or asset liquidity (cash flow) to cover daily operational expenses. This is when working capital financing becomes a critical part of the day-to-day need of a viable operating business.[…]  Read more

 
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Hurdles in Today’s Home Mortgage Environment

Posted by Brad Burgess

What do you expect to experience when applying for a home mortgage today? Quick turn-around? Less documentation requirements? Less paperwork? Not exactly. Due to the mortgage disaster of 2008-2009 and speculation from many Wall Street firms and some of the large multi-national banks, government regulation was implemented (Dodd-Frank Act) and has completely taken over the mortgage process (with[…]  Read more

 
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Take Control of Your Cash Flow with Efficient Online Payments

Posted by Lacie McDowell

Cash is king and it’s the livelihood for all businesses, but especially for small businesses. Managing your cash flow is one of the main skillsets you must have in order to run a successful small business. While licking stamps, writing checks to pay your bills, and making trips to the post office is becoming a[…]  Read more

 
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Owner-Carried Notes: What They Are & How They Can Be of Benefit

Posted by Brad Burgess

Many new business owners begin their new business by purchasing an existing enterprise or company from an existing small business owner. When starting a new business venture or trying to expand your existing business, the key is the level of capital (cash) that you will be required to raise to accomplish the new venture. Typically,[…]  Read more

 
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Payroll 101

Posted by Lacie McDowell

Are you a new or growing business, interested in knowing your payroll options for your employees? No matter the size of your business, payday is one of the most “looked forward to days” of the year…right up there with a birthday or Christmas. Although I know that you are more than aware that one option[…]  Read more

 
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Business Mobile App: Have you switched the way you do banking?

Posted by Lacie McDowell

Have you ever thought about how often you actually visit a bank these days? I tell my husband all the time that I always forget or don’t have time to do my banking business. He quickly responds, “How is that possible, when you work at the bank?” Don’t we all get in such a routine[…]  Read more

 
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So, what’s with all the questions?

Posted by Christy Campbell

I recently purchased a vehicle. When I first ventured onto the car lot, I was promptly greeted by a salesman.  I’ll be honest. My inner response to his eager approach was an emphatic “UGH!”  I forced a smile and decided to embrace his enthusiasm to “sell me a car today!”  Being a banker and having[…]  Read more

 
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What Determines Creditworthiness?

Posted by Lasey Ashburn

Entrepreneurs have always been the lifeblood of our country and a source of great pride for many generations of families. Prudent business owners will seek counsel from experts in their respective industries of course, but owners should also seek expert legal, accounting, and banking advice. Businesses which are start-ups and those seasoned companies that are[…]  Read more

 
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