Why Profits and Cash Flow Are Both Critical

Why Profits and Cash Flow Are Both Critical
If asked what is the most important key to business success, many owners will answer, “Earning a profit.” And yes, profitability is certainly critical to running a successful business. After all, why own a business if your goal isn’t to make money?

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Top 3 Business Articles 2016

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Treasury Management for Small Business

Treasury Management for Small Business
Allows you to maximize your efficiency and impact your bottom line — so you can better focus on your expanding business.
Liquidity — Maximize short-term investments while retaining control of your cash
Fraud Prevention — Monitor incoming and outgoing payments to reduce exposure to fraud
Receivables Management — Collect payments and deposits efficiently using lock box services
Payables Management — Disbursements management to maximize payment forecasting accuracy

Small Business Investment Accounts

Small Business Investment Accounts
Our Business Investment Account offers the perfect blend of convenience, security and liquidity.
Tiered interest rate
No service charge with a $10,000 minimum daily collected balance
Interest earned on all positive balances

Why You Need Cyber Liability Insurance

Why You Need Cyber Liability Insurance
It seems like hardly a week goes by without news of another data breach at a major U.S. corporation or retailer. High-profile data security breaches at Target and Home Depot, not to mention the much-publicized hacking at Sony Pictures, have cast cybercrime in a whole new light...

Small Business Resources Calculators

The bad debt expense percentage measures the expected uncollectibility on credit sales.
The cash ratio is another calculation used to measure liquidity and is more restrictive than the current and quick ratios with a more limited definition of assets used for the numerator of the calculation.
The collection period is simply how long it takes customers to pay for sales on credit.
The current ratio may be the most common calculation used to measure liquidity.
The debt to assets ratio is one measure of the leverage used in a business and its financial strength.
The debt to equity ratio is a direct comparison of debt to stockholders equity and is the most common measure of capital structure.
Gross margin percentage measures the relationship between net sales and cost of goods sold.
It can be very handy to compare your options when it comes to borrowing. You can use this simple calculator to compare your options.

Small Business Resources Education

Published on:
May 29 2015
For a small business to become a large business, it requires more than securing adequate financing and expanding physical office space or facilities. There are also a number of structural changes that must be put into place.

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Dear Customer,

As you may be aware by now, Cadence Trust is changing accounting software.  As a result, you will be directed to a new site effective July 1, 2017, to access your Trust Account information.  The current site will remain in effect until the end of July to allow you time to download any information you wish to retain prior to the conversion.  If you should have any questions, please contact your account administrator.