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Commercial Card Program Nationally Ranked Seventh Year in a Row

Ranked Among the Highest Purchase Volumes For U.S. Visa® and Mastercard Commercial Card Issuers August 1, 2022 — Arizona Bank & Trust, a division of HTLF Bank, a member of Heartland Financial USA, Inc. (NASDAQ: HTLF) that operates under the brand name HTLF, continues to display consistent strength in the payments space. Nilson Report ranked HTLF …

Evaluating and Managing Cash Flow

When operating a successful business, understanding what impacts cash flow within your organization is key. Below are several areas to help monitor your cash flow, and provide guidance on how to fix issues over time. By considering the following, you will be able to respond to changes in a timely manner and properly plan for future …

Mitigate Risk with a Payments Strategy

Unfortunately, it’s no longer a matter of “if,” but rather “when” payments fraud will impact your business.   As you look at your payment strategy, does it minimize your risk to fraud? Like many businesses, your strategy may be highly focused on check payments, the most compromised payment type. Sixty-six percent of businesses said …

Save Money and Increase Efficiency with a Payments Strategy

Your business probably receives daily invoices for payments. Have you considered the steps, manpower and security of your payment method?   Cutting a check can take upwards of ten steps and is very unsecure, while ACH and credit card are quicker and more secure. If the latter two are used less frequently, your business is probably not …

A Team That Is a Cut Above

This lumber company is a 115-year-old family-owned company with 24 locations across three states serving everyone from large-scale contractors to DIY homeowners. This company needed more than what most banks can provide.   “They’re good people who want to help us grow our business, and we appreciate that.” - President and CEO, Lumber …