Despite economic fluctuations over the past year, average Americans continue to spend during the holiday season. The latest statistics suggest that online sales are projected to grow by 4.8% year-over-year, reaching $221.8 billion this year. Navigating the challenges of rising inflation and finding...

Rewind the clock about 15 years, and you won’t likely hear many business leaders expounding on the benefits of supply chain transparency. Today, however, it’s top of mind. Many consumers are more focused than ever on company sustainability, and production transparency can be an essential part of...

The weather outside? Frightful. The halls? Decked. The sleigh bells? Ringing. But check your list twice as fraudsters are out in full force this holiday season! As your financial partner, our team is committed to help safeguard your information because what is important to you, is important to us...

The past several years have witnessed a fundamental shift in how many people view sustainability worldwide. Moving forward, understanding—and centering—the three pillars of sustainability may be crucial to thriving as a business. While there are other factors at hand, it seems the Covid-19 pandemic...

To thrive in 2023 and beyond, many executives have realized the importance of pivoting toward technological innovation. Treasury management solutions are one of many ways your company can grow by tracking its operational finances and commercial commitments more efficiently. Automated software helps...

The medical industry continues to face a labor shortage, specifically when it comes to laboratory technology and testing. These behind-the-scenes technicians are indispensable to any hospital or skilled nursing facility. Before Covid-19, lab techs were running 13 billion tests in the US each year...

Gear up for the season with our holiday budgeting tips! Maximize your festive cheer while staying on track with your financial plans. While it’s better to give than receive, you can take charge of your expenses this season with effective holiday budgeting tips. Understanding Our Spending Intentions...

Making Integrated Payables Work: How to Help Your Money Do More If you’re still running manual payment processes, you may be leaving money on the table. Learn how treasury processes like integrated payables have a direct impact on both your cash flow and vendor relationships. Treasury processes like...

Every year, vulnerable Americans suffer losses of over $28 billion due to financial exploitation, as reported 1 by the AARP. Shockingly, only a quarter of all frauds against the elderly are reported to law enforcement. At First Bank & Trust, a division of HTLF Bank, we are dedicated to safeguarding our vulnerable customers...

Skilled labor plays a critical role in keeping the cogs of the economy running smoothly. The manufacturing industry’s ongoing skilled labor shortage is marked by some concerning trends. While the manufacturing industry, like many others, faces challenges related to economic uncertainty and...

Click here to view an important note before clicking on links within the video. Join host Emily Stevens, Senior Marketing Professional at HTLF, in a thought-provoking conversation with Tracy Swaim, Fraud Risk Manager, and John Fick, Fraud Director at HTLF. This conversation involves the intricacies...

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...