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When it’s time to raise cash to manage and grow a business, most entrepreneurs think of the traditional term loan structure: Apply, get approved, receive loan money as a lump sum, begin repayment of that money right away. A line of credit is similar to a term loan except that it offers a different way […]
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How to Protect Yourself of a Loved One from Elder Fraud In the age of technology, fraud seems to lurk around every corner—and our older generations tend to be particularly susceptible to the pitfalls. If you might be vulnerable to scams or have someone in your life who might be, there are some essential tools […]
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When you are ready to apply for a commercial loan, be prepared to answer a lot of very important questions about your business. The initial information you give to a loan officer will provide him or her a general idea as to whether your request is something that their particular bank would be able to approve. It also shows […]
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Whether you’re expanding the reach of your services, upgrading equipment, or buying new vehicles, there are many reasons to secure a loan for your business. In this article, we will discuss ways that you can strengthen your chances for loan approval at terms that your business cash flow can handle.
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Like most buyers, you probably have more questions than answers surrounding the right balance between your dream home and the stability of your current finances. To lend a hand, we created this helpful list of tips to answer the common questions we get from customers about the all-important first steps when starting the home loan […]
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CHRISTIAN HAHN PROMOTED TO EXECUTIVE VICE PRESIDENT-REGIONAL PRESIDENT-BAY AREA FOR TEXAS GULF BANK, N.A. HOUSTON, TX, April 30, 2019: Christian Hahn has been promoted from Senior to Executive Vice President – Regional President – Bay Area for Texas Gulf Bank, N.A., an independently owned and operated bank established in 1913. Performing an integral role at […]
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Businesses stand a better chance of surviving critical business junctures when they know what cash they have coming in and going out. Having Cash Management tools in place provides the advantage of speed and agility in reacting to changing circumstances. Using today’s available technology through banks that specialize in business banking solutions, business owners have affordable […]
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What to know and what to prepare for Hurricane Season Texas hurricane season officially starts on June 1 and lasts through November 30. Now is the time to prepare yourself, so you are ready in case disaster strikes. When making disaster preparations, it’s important you are not only ready with water, food and evacuation plans, but […]
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Most small business owners tend to invest extra wealth back into the business. Saving for retirement is a secondary thought after growing a business. However, waiting too long to invest in your golden years could be detrimental. According to a July 2016 BMO Wealth Management survey of 400 small business owners, only a fraction of […]
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Recent changes to the Tax Cuts and Jobs Act potentially benefit small businesses by enabling them to immediately expense more of the cost of certain property and write off most depreciable assets in the year they are placed into service. Changes affecting just about every business going forward through at least 2025 include tax rate changes […]