When engaging in a discussion regarding business financing, does your bank engage in a strategic dialogue or do you just talk about the proposed interest rate and term of the loan? Business loans are a tool to assist your business success; however, if your bank does not have a thorough understanding of your business operation and cash flow, many businesses end up with the wrong loan structure which can be costly, frustrating and time consuming. The bank should take the time to understand the business goals, strategic plan and cash flow to support loan structures for commercial and industrial businesses and commercial real estate projects.

Ask the Experts is a financial forum for education and advice as CNB’s experts answer your questions on financial topics that interest you.  The experts of this show featured Charles J. Vita, Senior Vice President, Group Manager, Commercial Services...

When you’re mired deep in the day to day challenges of the management of your business, it’s often hard to step out of the trees and take a good hard look at the forest. But at various points in the

According to the Insurance Information Institute, 119 natural disasters occurred in the United States in 2014, totaling $25 billion in losses. But natural disasters represent just a portion of the crises that your business could face. Although you may not

A business asset conversion cycle, the cycle by which cash is used to prepare a product or service, sell it to a customer and convert the sale back to cash, is a great place to start. I like to begin with questions to understand the business better and develop a deeper understanding of the asset conversion cycle.