Anybody can make money in a thriving economy—but can they maintain profits during an economic downturn? As a small business owner, worries of an economic downturn might keep you up at night. Do you have enough cash on hand to cover your bills? Will next quarter’s product launch fall short of...

Cash flow management is crucial for the success of your small business. By understanding your inflows and outflows and anticipating common cash flow pitfalls, you can leverage best practices and make better-informed, data-driven business decisions. As a small business owner trying to survive these...

Small business owners can’t overlook their fraud prevention strategies. The extra cash you might save from cutting corners isn’t worth the money you could lose to scams and hackers. Ensure your employees are well-versed on all the latest techniques cybercriminals use to obtain corporate money and...

In an ever-changing landscape, fraud continues to be a growing threat for most businesses. With 65% of companies reporting fraud attacks 1, it’s clear fraudsters are becoming more sophisticated causing devastation to their victim’s bottom line and operations. Now is the time to safeguard your...

Don’t let fraud prevention fall by the wayside. To survive in a world full of scammers and thieves, small businesses must take cybersecurity and check fraud seriously. Never trust a suspicious check, and don’t hesitate to request an alternative payment. Utilizing check payments to pay your vendors...

The unfortunate reality is that cybercrime continues to pay, and as such, it continues to grow. This makes cybersecurity for small business an especially important topic for the small business world as most smaller companies have limited budgets—and therefore limited protection. Read more on how you...

Fraudsters Continue to Target Check Payments A large majority of organizations are still using checks for outgoing payments and checks continue to be the primary target of payments fraud. Without preventative measures in place, every check payment could be exposing an organization to fraud. AFP...

Fraud continues to be a challenge for many organizations. According to the 2023 Association for Financial Professionals, 65 percent of organizations report that they continue to be targets of fraud. And as the payments landscape continues to evolve, fraudsters are evolving their tactics too. Targets...

Your HTLF fraud partners, Director John Fick, and Fraud Risk Manager Tracy Swaim, along with their teams, work daily to help prevent and mitigate fraud loss for our clients. Now more than ever, small businesses are at an increased risk of fraud. Due to Covid-19, inflation, and rising interest rates...

Business email compromise scams—also known as BEC scams—can do untold damage to your company and reputation. Recognizing compromised emails is the difference between safe guarding your business or becoming a victim. Learn more about BEC scams and how you can protect your business and your bottom...

Every business owner’s story is unique, yet many will reach a point where they ask the same question – how can I help my business grow? Sometimes the answer to that question is a loan, and knowing ahead of time what lenders will look for can help you simplify the process and secure financing faster...

Discover the many ways your business can benefit from a streamlined and secure payments process utilizing electronic payments. Hear from our clients and team as they share insights and strategies that can positively impact a company’s bottom line. Our client panel includes: A large Construction...