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Community News

Ambassador Meeting December23-Dec-2014

The chamber Ambassadors meet the fourth Tuesday of each month from 8am to 9am. For information a.. 

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Oldsmar Candidate Forum13-Jan-2014

The City of Oldsmar in cooperation with the Pinellas County League of Women Voters and the Upper Tam.. 

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Morning Mingles07-Jan-2014

Please join us at Avrin Insurance Agency for our January Morning Mingles. Morning Mingles are free t.. 

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Business Sense

Business Loan Tips

Tuesday, November 18, 2014

Applying for a business loan can be a challenge and being turned down a real disappointment. Even if you have a sound business proposition, not understanding what bankers look for when considering an application can cause problems. 

Do you have a relationship with the bank you are applying to? Can you clearly explain the value proposition of your business? What about contingencies to repay the loan should things not work to plan? 

Having your application turned down is often the result of not being properly prepared or being unable to present your business plan effectively. Read the following two articles for some in-depth advice to make sure your next loan application is successful!

Tips for Small Bank Loans

4 Ways to Get a Business Loan 

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By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest bearing transaction accounts, visit

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