How to Improve Cash Flow Management in a Seasonal Manufacturing Business For many manufacturers, business isn’t steady all year, it’s seasonal. Whether you manufacture agricultural equipment, holiday goods, or components tied to construction or retail cycles, seasonal highs and lows can make cash flow difficult to predict and manage. And when cash isn’t flowing the way you expect, it can put pressure on everything from payroll to purchasing. But with the right financial strategy,...

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Your bank is being acquired or merged - the change gives you opportunity to re-evaluate the opportunity. Change is inevitable, make it one that best aligns with your needs. You feel like just another number instead of a person - research shows one of the top reasons customers leave is poor service or not feeling valued. Your digital, fee or product experience isn’t keeping pace - consumers report switching because of limited digital features, high fees, or better product offers...

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When business leaders think about return on investment (ROI), they often look at revenue-generating activities like marketing or product development. But there’s another area that can deliver substantial returns, Treasury Management. Far more than just a set of banking tools, Treasury Management services can transform the way your business handles money by improving cash flow, reducing risk, and saving valuable time. And like any good investment, those benefits can have a direct impact on...

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Starting a business is exciting, but it can also feel overwhelming when you’re not sure where to begin. The Small Business Administration (SBA) has put together a practical “10 Steps to Start Your Business” guide to help you move from idea to launch with confidence. From writing your business plan to opening a business bank account, this resource covers the essentials every new entrepreneur should know. We’ve made the full SBA guide available on our website click here to...

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In the fast-moving world of manufacturing, success isn’t just about what happens on the factory floor, it’s also about how efficiently you manage your finances. Whether you're running a small operation or a multi-site facility, the right banking tools can help you save time, reduce risk, and make smarter business decisions. If your current processes still involve paper checks, manual reconciliations, or delayed payments, it’s time to level up. Here are the top five banking...

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In today’s fast-paced business world, maintaining healthy cash flow is critical to keeping operations running smoothly. Whether you're a small business or a growing enterprise, the way you send and receive money matters. That’s where ACH (Automated Clearing House) payments come into play. As part of a comprehensive Cash Management strategy, ACH offers businesses a faster, more secure, and cost-effective alternative to checks and wire transfers. What Is ACH and How Does It Work? ACH...

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Fraudsters are always coming up with new ways to steal personal information. One of the latest scams uses fake websites and phishing tactics to trick people into installing malware designed to steal usernames, passwords, and financial data. At Falcon National Bank, your security is our priority. Here’s what you need to know. How It Works Fraudsters set up fake websites (or compromise legitimate ones). You may encounter a pop-up that looks like a normal “Verify You Are Human”...

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Cybersecurity isn’t just an IT issue, it’s a business-critical concern, especially for manufacturers. As the manufacturing industry becomes more connected and automated, the risk of cyberattacks continues to rise. And while operational technology often gets the spotlight, financial systems are just as vulnerable, if not more. From payment fraud and phishing scams to unauthorized wire transfers, financial cybercrime is a growing threat. In this blog, we’ll explore why manufacturers...

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Is your business handling hundreds, or even thousands of monthly transactions? If so, a Business Analyzed Account could be the game-changer you didn’t know you needed. These accounts are designed specifically for companies with high transaction volumes and complex cash flow needs. By giving you the tools to track activity, manage fees, and access advanced treasury services, Business Analyzed Accounts help your money work smarter, not harder. What is a Business Analyzed Account? Unlike...

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Outdated equipment does more than slow you down, it quietly chips away at your bottom line. In the manufacturing world, every minute counts. When machines under perform, require constant repairs, or can’t keep up with production demands, they create inefficiencies that cost you time, money, and missed opportunities. Fortunately, updating your equipment doesn’t have to drain your cash reserves. With the right equipment financing strategy, you can invest in modern technology while preserving...

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