Nathaniel Harley
May 19, 2022

There’s a big opportunity for community banks to capitalize on the trust and goodwill they built with SMBs during the pandemic.

Interest rate hedging solutions may help smaller financial institutions compete with larger rivals while offering greater flexibility to borrowers.

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The Paycheck Protection Program worked to some degree, but the length and breadth of the pandemic requires a broader approach.

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Small business relief programs have held bankers’ undivided attention lately.

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COVID-19 has disrupted our communities and cost us greatly, but it has also breathed new life into our sense of community and improved how we communicate and work together.

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As an increasing number of professional services move towards a demand initiative, the gig economy has become a major part of our overall work landscape.

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“Technology will transform bank services and remove many of the barriers that have plagued lending to small businesses,” says Karen Mills, a senior fellow at Harvard Business School and former head of the Small Business Administration for the Obama administration.

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Not much thought is always given to exactly what puts the “community” in “community banking.

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Small businesses are a big deal to the people who own, operate and create them.

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These past several years big banks have gotten bigger, re-allocated assets away from smaller, communities and invested in faster growing urban markets where they can achieve economies of scale in distribution and marketing.

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Cash is the original real-time payment.

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Small businesses represent banks’ best opportunity to grow deposit balances, improve spreads and obtain overall superior relationship profitability.

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Banks know, perhaps all too well, the growth strategy of targeting small-to-midsize business clients (SMBs) to win over more of their fee-generating accounts.

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There exists a world of criminals who hide behind thousands of shadowy companies.

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The banking industry knows by now that it’s missing major opportunities to tap the small business lending market.

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In today’s competitive lending environment, a leading temptation for financial organizations is this: to focus on interest rates and terms to secure the small business customer.

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Growth remains a universal, timeless goal for financial institutions and many pursue loan growth to offset rising compliance costs and maintain profits.

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More and more, transparency occupies the online lending industry spotlight—but it’s no highlight.

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It’s little wonder that small businesses mean big business for today’s banks and credit unions.

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There are 28 million small businesses in the United States.

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Make no mistake: Competition for small businesses is heating up among big banks, credit unions, alternative lenders and every institution in between.

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