Your business has grown, and it might be time to move into your own building. You’ve looked at commercial real estate for sale or lease, but just haven’t found what you’re looking for. The location or size is wrong, its age requires costly remodeling, or some other feature excludes every property you’ve seen. Should you…
You’re ready to open a business checking account. You’ve compared your options to find a bank that specializes in areas that complement your long-term business plans, evaluated fees and other details, and made the decision. So what comes next? Opening your account, of course! (If you aren’t sure which bank is the right fit, you might…
(See part one of this series on cell phone security here.) If one of the highest risks to the security of a bank account is a lost phone, rather than hacking or fraud, it makes sense that businesses should take security on employee cell phones extremely seriously. Even if an employee doesn’t access online banking…
Our President & CEO Jerry Ernst submitted an opinion piece to azcentral.com this week on simple ways we sabotage our own bank accounts, The premise of Jerry’s article was something that might interest you… vulnerabilities of a lost smartphone. As banks, we go to extraordinary lengths to ensure we leverage the most advanced security options…
Until it matures to a certain level of profitability, small businesses rarely have a chief financial officer to assist with money matters. It might be a single owner juggling too many tasks in too little time, and little financial expertise. So when it comes to a small business checking account, what important details are worth…
Horizon Community Bank Celebrates Global Entrepreneurship Week (Nov. 14-20, 2016) LAKE HAVASU CITY, Ariz.—Nov 15, 2016— Successful entrepreneurs share something in common: they can translate an idea they are passionate about into a business that generates revenue. They can turn inspiration into sales, customers and growth, and transform a little success into a lot. It’s not…
When you’re ready for a business loan, a bit of homework beforehand makes the process easier for you and the loan officer. Walking in the door prepared helps them do a better job for you, providing key pieces of information and setting the foundation for a long-term banking relationship. Lack of information results in a…
15 Minutes with Senior Commercial Lending Manager Jim Nelson As a small community bank who thrives by helping its surrounding community grow and succeed, building relationships with our customers is a priority at Horizon Community Bank (HCB). We enjoy them getting to know us, too. In that spirit of sharing, we spoke to Jim Nelson,…
For every thriving small business, there comes a time when opening a business checking account makes sense. It’s an easy way to bundle financial transactions together for accounting and tax purposes while separating it from personal finances. Mentally, it’s a bit like staking a flag into the dirt on a mountain peak, stating “I am…
Unlike a simple mortgage to purchase an existing building or office condo, commercial construction loans can require multiple types of loans. It’s often a mix of short-term loans to cover different aspects of construction, followed by long-term funding for the mortgage. What is a commercial construction loan? The term “construction loan” typically refers to only…
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