Small Business

Founded as a small business in 2004, at Howard Bank we want to help you start, fund and grow your small business.

We’re here to help local businesses succeed and determine the best solutions for your needs. At Howard Bank, we know that one size does not fit all. Our relationship bankers have extensive banking experience and knowledge, and we can match your business with the appropriate resources. Your relationship banker can help you with your questions and customize a solution for your business needs.

Howard Bank Blog – Small Business Articles

Read up on small business topics and community events on the Howard Bank blog.

SBA Preferred Lending

Howard Bank is an SBA-preferred lender. Rosa Scharf, our SBA Champion, has more than 20 years of SBA lending experience. Let Rosa and her team help you with your small business needs.
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SBA Resources

SCORE Mentoring Resources

Small Biz Talks

Our video series, Small Biz Talks, aims to educate the small business owner and offer helpful advice.


Small Biz Talks – Episode 1
Introduction    Click here for video with text format


Small Biz Talks – Episode 2
The SBA   Click here for video with text format


Small Biz Talks – Episode 3
Different SBA Programs     Click here for video with text format


Small Biz Talks – Episode 4
Talking to a Lender    Click here for video with text format


Small Biz Talks – Episode 5
Collateral/Equity for a Loan   Click here for video with text format


Small Biz Talks – Episode 6
Cost and Components of an SBA Loan  Click here for video with text format


Small Biz Talks – Episode 7
Using SBA to Sell Your Small Business   Click here for video with text format


Small Biz Talks – Episode 8
When an SBA Loan is not the Solution  Click here for video with text format


Small Biz Talks – Episode 9
The 5 C’s of Credit                    Click here for video with text format


Small Biz Talks – Episode 10
Refinancing with the SBA     Click here for video with text format


Small Biz Talks – Episode 11
The 6th C of Credit – Competency   Click here for video with text format


Small Biz Talks – Episode 12
Cash or Financing for Equipment  Click here for video with text format


Small Biz Talks – Episode 13
When a Lender Says “No”  Click here for video with text format


Small Biz Talks – Episode 14
Once the Bank Says “Yes”  Click here for video with text format


Small Biz Talks – Episode 15
Writing a Business Plan  Click here for video with text format


Small Biz Talks – Episode 16
Financial Projections  Click here for video with text format


Small Biz Talks – Episode 17
Protecting Your Idea  Click here for video with text format


Small Biz Talks – Episode 18
Online Lending  Click here for video with text format


Small Biz Talks – Episode 19
SBA Myths  Click here for video with text format


Small Biz Talks – Episode 20
Businesses that are Harder to Finance via an SBA Loan
Click here for video with text format

 


Small Biz Talks – Episode 21
Networking  Click here for video with text format


Small Biz Talks – Episode 22
A Conversation with Mary Ann Scully  Click here for video with text format

Small Biz Talks – Episode 23
A Conversation with Creativation Marketing  Click here for video with text format


Small Biz Talks – Episode 24
A Conversation with Creativation Marketing  Click here for video with text format

 


Small Biz Talks – Episode 25
A Conversation with Creativation Marketing about Email Marketing
Click here for video with text format


Small Biz Talks – Episode 26
A Conversation with Creativation Marketing about Social Media Marketing

Click here for video with text format

Small Biz Talks – A Candid Conversation with Mary Ann Scully

Click here for video with text format


Small Biz Talks – Episode 29
Treasury Management

Click here for video with text format

Small Biz Talks – Episode 30
Protecting Your Business

Click here for video with text format

Small Biz Talks – Episode 31
A Conversation with HowardTech Advisors – IT and Your Small Business

 

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