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Friday, November 30, 2012

Ready to expand? Know the art of managed growth

 As the economy shows signs of a rebound, the desire for business owners to look into expansion is on the rise. For many entrepreneurs, the timing seems perfect. Their company has weathered the economic storm and survived. Now the urge to capitalize on low-interest rates, depressed property values and a high unemployment rate is strong for some business owners…At Commerce Bank of Arizona, we carefully examine the business plan, projections and unintended consequences of growth. We also test those assumptions before signing off any loan. We understand that at times, a banker must play the role of adviser and be comfortable saying, “no” when necessary. It’s always in a customer’s best interest and we base our decisions strictly on what our customers can and can not afford. A bank is not an equity partner; it is a lender that must protect its investors and depositors. Because we are a community bank, we have a deeper level of knowledge and understanding of our customers’ needs and we strive to align ourselves as a strategic partner, but we must carefully balance the line between advisors and investors to run a successful business of our own…John S. Lewis is president of Commerce Bank of Arizona, a locally-owned community bank specializing in serving small- to mid-size businesses in Arizona.

Read the entire article here.

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