Ready to grow your business and need capital? If you’re hoping for an SBA loan, you’ll need to have a few basic things in place before you pursue funding. What is an SBA Loan? The SBA does not make loans, but is an agency of the federal government that protects small businesses and their role…
Most people worry about their financial information online, but the simple truth is that most banks are extremely secure; hacking and cyber crime opportunities typically come from the consumer side or retailers. We can’t do much about store security, but small things we do (or forget to do) with our own electronics can make us…
Mobile Banking has been declared the “future of banking” more than once over the past few years. Frequent appreciation of mobile banking’s potential to make personal finance more convenient has accompanied its evolution from initial text-based banking services to the sleek apps that exist today. A study conducted by Pew Research Center found that 51%…
As we approach year-end, many business owners have begun thinking about their business plans for the upcoming year. For many businesses, those plans may include expanding its operations; purchasing or leasing new or expanded facilities; adding a new line of products or services; taking on new or expanded contracts; or replacing equipment that has become…
With all of the uncertainty around maintaining a predictable flow of capital to businesses, a commercial loan provided by a bank but guaranteed by the federal government almost sounds too good to be true. Standing behind such loans is one of the responsibilities of the U.S. Small Business Administration’s (SBA) Guaranteed Loans Program. Utilizing an…
Louis Pasteur, the famed scientist, once said, “Fortune favors the prepared mind.” While you may not be creating a vaccine for rabies and anthrax, as Pasteur did, his words are sound advice, in whatever your goals may be. Especially, when it comes to running a business and pursuing things that can help make a business…
In times of internet hackers and superior technological advances toward identity theft, it leaves many people wondering, is my information safe from fraud? AND How can I protect myself? At HCB, we go to great lengths to protect your money and identity. We believe educating our customers is a small part of the process. In…
We receive frequent reminders that our economy is still not where we would like it to be. It maybe the soft labor market or perhaps the latest consumer confidence survey. Traditionally, increased spending by consumers and businesses are a reflection of growing confidence, which can serve to improve our weakened economy. Either way, most people…
Its mid-year and we still receive frequent reminders that our economy is still not where we would like it to be. It maybe the soft labor market, or perhaps the latest consumer confidence survey. Either way, most people would agree that general economic conditions are still soft. That’s why it is important to review all…
Intuit’s research is based on interviews with small business owners seeking credit and the banks and lenders who can provide it. And, while they note that credit will remain tight, they suggest that businesses ‘…that can demonstrate the ability to manage assets and cash flow will find credit is still available, although not unlimited.’ Combine…
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