Life is too short, and business too complex, to put up with a frustrating banking experience. As a business grows and your financial expertise expands, or rates change at your current business bank, sometimes it’s just time to move on. Is it time for a break-up? Nothing personal, it’s just good business.
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by Jerry Ernst, as seen on azcentral.com, Sept. 2017 Whether you support Trump or not, there’s no denying POTUS is pro-business. His agenda to deregulate banking recognizes the cumbersome over-regulation that occurred as a knee-jerk reaction to the subprime mortgage crisis and resulting bailouts. Consumer protections are vital, but a sound system must balance value…
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Lake Havasu City, AZ-November 1, 2017-Horizon Bancorp, Inc. (OTC Pink:HRRB), the holding company for Horizon Community Bank, announced a net income increase of 70 percent for the quarter ended Sept. 30, 2017 over the same period, prior year. Net income through 9/30/17 totaled $1,942,476, an improvement of $797,592 over the first nine months of 2016.…
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When someone is ready to borrow money, figuring out the right type of business loan can be difficult. The variety of options are dizzying. Is a line of credit appropriate? Should I consider an SBA loan? What is a USDA loan? Why do interest rates vary so much? According to Nathan Burnell, Horizon Community Bank’s vice…
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Thanks to progressive technology and security that’s tighter than ever before, banking from any location has never been easier. It’s simple to check a balance, transfer money, pay bills, or perform other common tasks from the comfort of your desk or using a phone. Everyone knows about it. What every everyone DOESN’T know, however, is…
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Retirement can be unpredictable and many retirees struggle to balance their spending so they don’t outlive their money. They want to ensure their money lasts as long as they might need it by avoiding more volatile investments, but without being so conservative it can’t earn interest. One investment opportunity ideal for this situation is the…
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Business loans can be imposing in their requirements—even for a relatively uncomplicated line of credit—and cloud-based lenders with fast online loan applications have never been more attractive. Time-consuming updates to your business plan (or creating your first one!), dozens of hoops to jump through, reams of paper and emails flying back and forth, the agony…
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Yes! Let me explain if you’re new to the whole business of commercial real estate… Walking into a bank to seek a commercial mortgage loan, the first question any borrower can expect is related to use of the property. “Will this be an owner-occupied or investment property?”
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Parker & Fort Mohave teens improve an average of 70 percent LAKE HAVASU CITY, Ariz.—August 29, 2017— The statistics are shocking: 76 percent of millennials cannot answer basic financial wellness questions, and more than 20 percent graduate high school without a baseline level of proficiency in financial literacy.¹ Horizon Community Bank’s Financial Literacy Community Impact Report…
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These common obstacles can derail funding While some kickstart a new commercial construction project by talking directly to a builder, it often makes sense to first confirm you’re financially qualified to take on significant debt. Construction isn’t cheap and exploring how much debt you can comfortably afford may define scope of the build and where you buy…
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