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Businesses

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Date
Apr 08, 2020
Podcast: Small Business Administration (SBA) Loan Programs
The experts of this show featured Darrin Brentnall, Vice President, Relationship Manager/SBA, Canandaigua National Bank & Trust and Virginia Smith, Rochester Branch Manager, U.S. Small Business Administration.
Apr 08, 2020
Apr 01, 2020
The CARES Act: What You Need to Know Right Now
On March 27th, the CARES (Coronavirus Aid, Relief, and Economic Security) Act of 2020 was passed by the House and signed into law by the President. This act, by far, is the largest emergency relief and stimulus package in US history, driven in response to the economic crisis caused by the COVID-19 pandemic.
Apr 01, 2020
Feb 26, 2020
Bank should provide strategic insight, not just rate and terms
When engaging in a discussion regarding business financing, does your bank engage in a strategic dialogue or do you just talk about the proposed interest rate and term of the loan? Business loans are a tool to assist your business success; however, if your bank does not have a thorough understanding of your business operation and cash flow, many businesses end up with the wrong loan structure which can be costly, frustrating and time consuming. The bank should take the time to understand the business goals, strategic plan and cash flow to support loan structures for commercial and industrial businesses and commercial real estate projects.
Feb 26, 2020
Dec 04, 2019
Podcast: Commercial Loans - Moving Our Community Forward

Ask the Experts is a financial forum for education and advice as CNB’s experts answer your questions on financial topics that interest you. The experts of this show featured John Eilertsen, Vice President, Relationship Manager, and Jason Tonkery, Vice President, Relationship Manager.

Dec 04, 2019
Oct 29, 2019
Protecting Your Small Business from Cyber Threats
Risk management is a key component in any successful business plan. In today’s world — where data breaches are common occurrences — it’s especially important for business owners to understand the digital risks they face. Are you doing all you can to mitigate the risk of a cyberattack?
Oct 29, 2019
Oct 29, 2019
Choosing the Right Solutions for Your Business Needs
It’s long been and still is the American dream to own your own business, and, when you do, you will need deposit accounts, cash management options, and it’s likely that you will need financing.Financing can be a solution not only for the purchase of a new business, but for buying equipment, vehicles, or inventory, funding receivables, purchasing a building, or doing build-outs and improvements on an already owned property. Unless you are fortunate enough to have a pot of money available, you will need to take some steps to obtain financing.
Oct 29, 2019
Aug 19, 2019
Podcast: Financing for Business and Commercial Real Estate Development
The experts of this show featured Brendon Crossing, Senior Vice President, Relationship Manager, and Jason DeWitt, Vice President, Relationship Manager.
Aug 19, 2019
Apr 03, 2019
The Importance of Training for Management Succession
Many business succession plans focus on the succession of ownership but neglect to address the issue of management succession. Whether you expect the management team that will follow you to the corner office to come from inside or outside the company, you should consider training one or several people to serve as interim or successor management. This can serve multiple purposes. First, having trained successor management in the business can work into your short-term contingency plan established to cover your unexpected absence from the business (due to death, for instance). Second, trained successor management can serve as interim management during the transition period during and after your withdrawal from the business at your retirement, while your interest is being transferred after your death, or when you head out for that long vacation you have been yearning for.
Apr 03, 2019
Apr 03, 2019
Time for a Spring Business Checkup
Business health is just as important as personal health. You see a doctor annually for your checkup, and you should see your branch representative or Business Banking Officer annually for your business checkup, too. Changes take place throughout the year – balances in your deposit accounts fluctuate, lending needs arise, you take on more clients, you hire more employees, the list is never ending.
Apr 03, 2019
Mar 26, 2019
Podcast: Finance Structures & Strategies to Support Your Business or Real Estate Project
Ask the Experts is a financial forum for education and advice as CNB’s experts answer your questions on financial topics that interest you.  The experts of this show featured Charles J. Vita, Senior Vice President, Group Manager, Commercial Services...
Mar 26, 2019
Nov 01, 2018
401(k) Retirement Plans for Small Business
Establishing a 401(k) retirement plan can benefit both employees and employers alike. Employees benefit from the ability to make pre-tax contributions, potential income tax savings, increased savings with employer-matched contributions, and more.
Nov 01, 2018
Nov 01, 2018
An Overview of SBA Lending
The Small Business Administration (SBA) works with lenders to provide loans to small businesses. Instead of lending money directly to business owners, they work with the lenders to guarantee the loans and reduce the risk.
Nov 01, 2018
Mar 30, 2018
Owning or Leasing Space for your Business?

Whether you are a long time business owner or just starting out, you will want to consider owning your space or leasing. In order to determine what’s best for you, consider the following questions   Can you handle the up

Mar 30, 2018
Mar 26, 2018
Does Your Business Need a Buy-Sell Agreement?

When you’re mired deep in the day to day challenges of the management of your business, it’s often hard to step out of the trees and take a good hard look at the forest. But at various points in the

Mar 26, 2018
Oct 18, 2017
ACH Origination Services — Countless Benefits for your Business
The goal of any successful business involves growth – that may mean increasing staff, your customer base or additional vendors to manage. Along with this success comes the need for efficiencies in handling company finances. Whether it’s a burgeoning or large-scale business, you can benefit from ACH Origination services.
Oct 18, 2017
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