Cash is the lifeblood of your business. It enables you to pay the bills and keeps your business operational. While you always need cash reserves on hand for emergencies, if your business is in an expansion phase you may need additional cash reserves to cover your costs.

A business line of credit (BLOC) is a business loan that allows the borrower to access funds up to a predetermined amount as needed. This loan offers various types of repayment plans available to pay back the borrowed money, along with interest charges.

A Home Equity Line of Credit (HELOC) Fixed-Rate Loan Option (FRLO) can be a game-changer for managing your finances. By locking in a fixed interest rate on part or all of your HELOC balance, you can enjoy predictable monthly payments and protect yourself from rising interest rates. Here’s how to make the most of this powerful financial tool.

In times of crisis, our communities come together to support those in need. Whether it's the recent wildfires in California or the devastating Maui wildfires, people across the country have shown their generosity by donating to relief efforts.

As a small business owner, you’ll likely face a time when you need access to additional funding. Unexpected opportunities, growing your business, or replacing vital technology all require financial resources. While you need to cover these expenses, you also want to ensure your business has enough cash flow to continue operations.

If you're considering tapping into your home’s equity, a Home Equity Line of Credit (HELOC) is a flexible and popular financing option. However, understanding the difference between a regular HELOC and a HELOC Fixed-Rate Loan Option (FRLO) is key to making the best choice for your financial goals.