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Funds to Build Your Business¶
(Idea Vault Blog) - Building a business costs money—usually more than you can generate from your operating revenues alone. Securing the funds you need will require careful planning and preparation. Whether you’re a fully operating business looking to add a new truck to your fleet or build a new loc…
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American Riviera Bank Announces Completion of Holding Company Reorganization¶
(Michelle Martinich) - Santa Barbara, California – February 11, 2022 – American Riviera Bank and American Riviera Bancorp (OTCQX: ARBV) announced today that a reorganization resulting in a bank holding company structure has been completed. Following shareholder approval on January 10, 2022 and rece…
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Documentation for SBA Loans¶
(Idea Vault Blog) - The Small Business Administration (SBA) is a US-based institution which helps reduce risk to lenders, making it easier for small businesses like yours to get a loan. Loans backed by the SBA ("SBA loans") provide many benefits to small businesses, including long repayment options…
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American Riviera Bank Reports Annual Results¶
(Michelle Martinich) - Santa Barbara, California (January 31, 2022) – American Riviera Bank (OTCQX: ARBV) announced today unaudited net income of $11,829,000 ($2.30 per share) for the twelve months ended December 31, 2021. This represents a 60% increase in net income from the $7,378,000 ($1.45 per…
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Personal Bankruptcy¶
(Idea Vault Blog) - Bankruptcy is a tool that can help you find financial stability—but only as a last resort.
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Reasons to Refinance¶
(Idea Vault Blog) - Refinancing can be beneficial if everything lines up in your favor. What can you get out of it? The list is long and exciting for someone stuck with loan payments that they aren’t happy with.
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When You Can't Afford Your Minimum Payments¶
(Idea Vault Blog) - It’s scary to find yourself in a situation where you can’t afford your monthly debt payments. Whether that’s due to a sudden life change, like a job loss or illness, or if you’ve simply found yourself unable to keep up, there are steps you can take.
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How to Manage Your Debt: Strategies and Tools¶
(Idea Vault Blog) - Even if you're financially responsible, life's unpredictable nature can sometimes catch you off guard, at times making it dangerously easy to fall into debt. Discover how to start managing your debt with these tips and tools.
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Best Practices for Using a Credit Card¶
(Idea Vault Blog) - By properly managing a credit card, you can earn rewards and build your credit score, all while making your regular purchases.
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Credit Cards¶
(Idea Vault Blog) - Using a credit card is easy. But choosing one isn’t always simple. Shopping with a credit card is a snap, but shopping for the card that’s right for you is another matter. Ask yourself these questions: Do you pay your credit card bills in full and on time each month?If not, do…
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