A portrait of Harold Webb, Vice President of Regions Bank, is featured in the foreground against a dark blue background with text advertising "Expert Office Hours: Banking & Business Finance."

The Wheelhouse, Madison

LXCL:One hour with Harold Webb, Vice President, Regions Bank.

Expert Office Hours

Get practical guidance on banking and business finance from experienced advisors. Bring your questions about cash flow, lending, credit, or banking relationships, and leave with clear next steps tailored to your small business. The Wheelhouse, Madison is dedicated to helping small businesses grow and succeed. Use this form to reserve your expert office hours session so we can focus on the specific financial challenges and opportunities in your business.&nbsp; Wheelhouse Expert Office Hours are intended for education, guidance, and problem-solving. Participating Experts volunteer their time and may be affiliated with businesses that provide related professional services. You are under no obligation to purchase a product, engage a service, open an account, or establish a business relationship with a participating Expert. Participation by an Expert does not constitute an endorsement of that individual, company, product, or service by The Wheelhouse.

<img src="https://res.cloudinary.com/hxn9dbuhd/image/upload/v1789054218/wysiwyg/ysdogcrruwjtiwfp5ncs.jpg" style="width: 252px; display: block; vertical-align: top; margin: 5px auto; text-align: center; cursor: pointer; padding: 0px 1px; user-select: none; max-width: 100%; position: relative; box-sizing: inherit;" fr-original-style="width: 252px; display: block; vertical-align: top; margin: 5px auto; text-align: center;" fr-original-class="fr-draggable">Hi <span contenteditable="false" data-custom-variable="{{firstname}}" fr-original-class="fr-deletable styled-tag-chip" fr-original-style="" style="color: rgb(42, 42, 196); overflow-wrap: anywhere; user-select: none; background-color: rgb(248, 248, 255); border: 1px solid rgb(191, 191, 255); border-radius: 4px; margin: 0px; padding: 1px 8px; font-size: 11px; display: inline-block; box-sizing: inherit;">First name, You have booked a one hour appointment with&nbsp; Harold Webb, Vice President, Regions Bank.&nbsp; Please arrive a few minutes early so you can make the most of your time with our expert. Please contact us at <a fr-original-style="" href="mailto:connect@madisonwheelhouse.com" rel="noopener noreferrer" style="text-decoration-color: currentcolor; user-select: auto; box-sizing: inherit;" target="_blank">connect@madisonwheelhouse.com</a>, as soon as you know, if you are unable make this appointment.&nbsp; Please come prepared with specific questions. &nbsp;Here are some ideas. <ul fr-original-style="" id="isPasted" style="box-sizing: inherit;"><li fr-original-style="" id="isPasted" style="box-sizing: inherit;">Getting financially ready&nbsp;<ul fr-original-style="" style="box-sizing: inherit;"><li fr-original-style="" style="box-sizing: inherit;">Am I financially ready to start or grow my business?</li><li fr-original-style="" style="box-sizing: inherit;">What should I have in place before approaching a bank?</li><li fr-original-style="" style="box-sizing: inherit;">What financial records should I be keeping?</li><li fr-original-style="" style="box-sizing: inherit;">What does a banker want to see in my financial statements?</li><li fr-original-style="" style="box-sizing: inherit;">How much cash should my business keep on hand?</li></ul></li><li fr-original-style="" style="box-sizing: inherit;">Business banking basics&nbsp;<ul fr-original-style="" style="box-sizing: inherit;"><li fr-original-style="" style="box-sizing: inherit;">When should I open a separate business bank account?</li><li fr-original-style="" style="box-sizing: inherit;">What accounts does a small business actually need?</li><li fr-original-style="" style="box-sizing: inherit;">How should I separate personal and business finances?</li><li fr-original-style="" style="box-sizing: inherit;">When should I consider a business credit card or line of credit?</li><li fr-original-style="" style="box-sizing: inherit;">How can I make managing cash flow easier?</li></ul></li><li fr-original-style="" style="box-sizing: inherit;">Loans and borrowing&nbsp;<ul fr-original-style="" style="box-sizing: inherit;"><li fr-original-style="" style="box-sizing: inherit;">How do I know if my business is ready to borrow money?</li><li fr-original-style="" style="box-sizing: inherit;">What types of financing might fit my situation?</li><li fr-original-style="" style="box-sizing: inherit;">What&#39;s the difference between a term loan, line of credit, SBA loan, and business credit card?</li><li fr-original-style="" style="box-sizing: inherit;">How much can I realistically afford to borrow?</li><li fr-original-style="" style="box-sizing: inherit;">What determines whether a bank approves a business loan?</li><li fr-original-style="" style="box-sizing: inherit;">Why might a business loan application be declined&mdash;and what could I work on before trying again?</li><li fr-original-style="" style="box-sizing: inherit;">Will I have to personally guarantee a business loan?</li></ul></li><li fr-original-style="" style="box-sizing: inherit;">Credit&nbsp;<ul fr-original-style="" style="box-sizing: inherit;"><li fr-original-style="" style="box-sizing: inherit;">Does my personal credit affect my business?</li><li fr-original-style="" style="box-sizing: inherit;">How do I establish business credit?</li><li fr-original-style="" style="box-sizing: inherit;">What can I do now to become a stronger borrower six or twelve months from now?</li><li fr-original-style="" style="box-sizing: inherit;">What credit mistakes do you commonly see small business owners make?</li></ul></li><li fr-original-style="" style="box-sizing: inherit;">Starting or buying a business&nbsp;<ul fr-original-style="" style="box-sizing: inherit;"><li fr-original-style="" style="box-sizing: inherit;">Can a bank finance a startup?</li><li fr-original-style="" style="box-sizing: inherit;">How much of my own money would I normally need to invest?</li><li fr-original-style="" style="box-sizing: inherit;">What if I want to buy an existing business?</li><li fr-original-style="" style="box-sizing: inherit;">What information would a lender need to evaluate that purchase?</li><li fr-original-style="" style="box-sizing: inherit;">Can equipment, vehicles, inventory, or real estate be financed?</li></ul></li><li fr-original-style="" style="box-sizing: inherit;">Growth and cash flow&nbsp;<ul fr-original-style="" style="box-sizing: inherit;"><li fr-original-style="" style="box-sizing: inherit;">My business is growing, but I&#39;m constantly short on cash. Why?</li><li fr-original-style="" style="box-sizing: inherit;">Should I borrow to hire an employee, buy equipment, or expand?</li><li fr-original-style="" style="box-sizing: inherit;">How do seasonal businesses manage cash-flow gaps?</li><li fr-original-style="" style="box-sizing: inherit;">How can I prepare financially for a major expansion?</li><li fr-original-style="" style="box-sizing: inherit;">When is borrowing a smart growth strategy&mdash;and when isn&#39;t it?</li></ul></li></ul> Please give thought to your real situation, even if you are not ready to borrow: &ldquo;Here&#39;s where my business is today. What would you recommend I work on over the next year?&rdquo;&nbsp;<img src="https://res.cloudinary.com/hxn9dbuhd/image/upload/v1789054278/wysiwyg/rh1tmx0mfnz4fcbej2hq.png" style="width: 378px; display: block; vertical-align: top; margin: 5px 0px 5px auto; text-align: right; cursor: pointer; padding: 0px 1px; user-select: none; max-width: 100%; position: relative; box-sizing: inherit;" fr-original-style="width: 378px; display: block; vertical-align: top; margin: 5px 0px 5px auto; text-align: right;" fr-original-class="fr-draggable">

Get practical guidance on banking and business finance from experienced advisors. Bring your questions about cash flow, lending, credit, or banking relationships, and leave with clear next steps tailored to your small business. The Wheelhouse, Madison is dedicated to helping small businesses grow and succeed. Use this form to reserve your expert office hours session so we can focus on the specific financial challenges and opportunities in your business.  Wheelhouse Expert Office Hours are intended for education, guidance, and problem-solving. Participating Experts volunteer their time and may be affiliated with businesses that provide related professional services. You are under no obligation to purchase a product, engage a service, open an account, or establish a business relationship with a participating Expert. Participation by an Expert does not constitute an endorsement of that individual, company, product, or service by The Wheelhouse.

The Wheelhouse, Madison

Expert Office Hours: Banking & Business Finance September 23, 1-2 pm

115 E Jefferson St

Expert Office Hours

Free

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