News & Insights

Running a small business in the past year has taken a toll on the entrepreneurs. Nearly half (42%) of small business owners say they have experienced burnout in the past month, with 24% saying they are currently experiencing burnout, a syndrome resulting from chronic stress at work that is characterized by overwhelming exhaustion, negative attitudes, or a lack of commitment with clients and dissatisfaction with job performance.

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According to a study from Kauffman Foundation, 83% of entrepreneurs face challenges in accessing the capital market when starting their businesses. This has often led entrepreneurs to use their savings or investments from family members to get their ventures up and running.

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The CEO/ Entrepreneur brain often fires at a faster rate of speed and for longer periods of time than most people. As a result, it increases the stress on the body and mindset. This leads to a brain that can’t shut off at night causing adrenal fatigue, sleep issues, lack of presence with the family, and much more. You can retrain the brain and regulate how it fires. This talk will give you the tools and go through the exercises to learn how to do just that.

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Local community banks play a vital role in the economic and social fabric of communities. Community banks focus on serving the needs of their local communities. They provide essential financial services to individuals, small businesses, and local organizations. By offering loans, mortgages, and credit facilities, community banks help stimulate economic growth, create jobs, and support local entrepreneurship.

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Working capital loans are a type of financing that can be useful for dental practices to manage their day-to-day expenses, such as rent, payroll, supplies, and other operational costs.

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The SBA has unveiled its newly finalized plan to streamline eligibility determination for SBA-backed loans while also implementing a new fraud review on all loans. By bringing eligibility determination in-house through new technology, the SBA will reduce the burden on SBA lenders and streamline operations, which will free up more lenders to focus on their customers and expand their capacity to increase lending.

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There's an enhanced interest in SBA-government loans because even though interest rates may be higher, you can amortize it over a longer period, which makes it more affordable because the monthly costs can go down. It's an attractive feature that provides a little more flexibility in underwriting and approving loans because the SBA program is specifically designed to help small businesses. We're a big SBA lender and we're seeing more interest in those types of loans.

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The recent failures of two large banks surprised a lot of people.  My prior experience managing 780 bank failures in two prior economic recessions, perhaps, afford me an opportunity to offer unique insights.

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Cash flow is crucial for small businesses as it reflects the actual movement of money in and out of the company, rather than the amount of money expected from accounts receivable.

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Integro Bank is excited to provide business owners and leaders the opportunity to meet and listen to a celebrity speaker "B. Taylor" who is an Award-Winning Artist, Producer, and decorated Navy Veteran.  B. Taylor has three #1 Top Charting Records, is a Goodwill Global Ambassador and Advocate of Entertainment for the U.S. Military, Veterans, First Responders and Their Families and will be speaking on his journey and lessons learned as a business owner and entertainer.

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