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Person/Business Banking LoginCash Management Login
  • Home
  • Business
    • Small Business SBA Loan Center
    • Business Loans
      • PPP Loan Relief Program Updates
      • Apply for a business loan
      • Business Line of Credit Loans
      • Small Business Loans
      • SBA Loans
      • Business Short-Term Loans
      • Business Term Loans
    • Business Checking
    • Business Savings
    • Money Market
    • Merchant Card Services
    • Business Credit Cards
    • Remote Deposit Capture
    • POSITIVE PAY
  • Personal
    • Personal Checking
    • Savings Accounts
    • Home Mortgage LoansWe’ll help you find the right home loan.
      • Home Loans
      • Home Equity Loans – HELOCs
      • Bank-Owned Properties For Sale (REO)
    • Personal Loans
    • Personal Money Markets
    • Certificates of Deposit
    • IRA Retirement Plans
  • Blog
  • About
    • News & Press Releases
    • Leadership
    • Staff
    • Careers
    • Investor Relations
      • Transfer Agent Contact Information
    • Marketing Assets
    • Contact Us
  • Find a Branch
    • Fort Mohave
    • Kingman
    • Lake Havasu City
    • Operations and Mortgage Center
    • Mesa
    • Parker
    • Quartzsite
    • Loan Offices
      • Phoenix
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  • COVID-19 UPDATES
  • Log In
    • Personal/Business
    • Cash Management

Should CDs be in the mix of finance tools for a SMB?

ArticlesBy Ross JohnsonOctober 11, 2018

Cash flow for a business can be a complicated balance of spending versus saving, but here’s a simple idea from the personal banking side that might be useful: stash extra cash in a certificate of deposit (CD). This common retirement tool makes sense to consider as a safe harbor for business funds, too. Not only…

This is when you should lease equipment, instead of buy

ArticlesBy Ross JohnsonJuly 30, 2018

When financing, there are many options to consider – especially when it comes to a high-ticket purchase for new equipment. Do you put it on a line of credit? Get a SBA loan? Finance through a bank or where it’s purchased? Lease instead of buy?

3 smart places to stash cash reserves for your business

ArticlesBy Ross JohnsonJune 26, 2018

  Cash flow is the lifeblood of any business. Balancing income with expenses, investing money back in the business, using smart financing to grow and understanding how much cash you need to keep on hand and in reserve are key components of its success. Just how much cash to keep in reserve is a delicate…

5 Smart Ways to Manage Cash Flow Using a Business Line of Credit

ArticlesBy Ross JohnsonFebruary 7, 2018

Every business has the occasional gap between expenses and accounts receivables, or needs a sudden infusion of cash for something unexpected. It’s just a normal part of doing business.  Maybe it’s expensive seasonal merchandise that requires prepayment but won’t generate revenue for another six weeks, or slow accounts receivables when payroll is due… but how the…

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