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Optimizing Working Capital

June 30, 2023 Business insights

The Cash Conversion Cycle (CCC) measures how much time it takes for your business to convert inventory or other resources into cash from sales. Creating efficiencies with the CCC is one way to increase working capital without generating additional revenue. There are three important factors that affect your CCC: Days Inventory Outstanding …

Thriving vs. Surviving? Wise Liquidity Management Moves for Businesses in All Seasons

March 13, 2023 Business insights

The economic forecast may be uncertain, but preparing for potentially inflated rates is the smartest course of action. Liquidity management is a lot of work, but the benefits can help your business thrive rather than survive. Learn more about how you can keep your business afloat in every season. A fluctuating economic environment, such as the one …

Commercial Card Program Nationally Ranked Seventh Year in a Row

August 1, 2022 Newsroom

Ranked Among the Highest Purchase Volumes For U.S. Visa® and Mastercard Commercial Card Issuers August 1, 2022 — Minnesota Bank & Trust, a division of HTLF Bank, a member of Heartland Financial USA, Inc. (NASDAQ: HTLF) that operates under the brand name HTLF, continues to display consistent strength in the payments space. Nilson Report ranked HTLF …

Evaluating and Managing Cash Flow

July 5, 2022 Business insights

When operating a successful business, understanding what impacts cash flow within your organization is key. Below are several areas to help monitor your cash flow, and provide guidance on how to fix issues over time. By considering the following, you will be able to respond to changes in a timely manner and properly plan for future …

Mitigate Risk with a Payments Strategy

July 5, 2022 Business insights

Unfortunately, it’s no longer a matter of “if,” but rather “when” payments fraud will impact your business.   As you look at your payment strategy, does it minimize your risk to fraud? Like many businesses, your strategy may be highly focused on check payments, the most compromised payment type. Sixty-six percent of businesses said …