business banking

As the year winds down, it’s the perfect time for business owners to reflect, recalibrate, and prepare for a successful 2026. Whether you're running a small local shop or managing a growing enterprise, financial readiness is key to thriving in the new year. Here’s a checklist to help you close out 2025 with confidence and start 2026 on solid financial footing: 1. Review Your Year-End Financial Statements Start by analyzing your income statement, balance sheet, and cash flow reports....
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Starting a business is exciting—but let’s be real: figuring out finances can feel like a confusing maze. One thing that often gets overlooked early on? Building business credit. Whether you’re launching your first side hustle or scaling your LLC, strong business credit can unlock opportunities—like better financing, bigger vendor limits, and more freedom to grow. And the best part? You don’t need to be a finance expert to get started. At Middlefield Bank, we work...
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The holiday season is upon us once again, and for many businesses, it can be a double-edged sword. It's a time of amazing sales and increased revenue, but it can also be a challenging time for cash flow management. Seasonal fluctuations in sales, inventory, and accounts receivable can put a strain on a company's finances, making it difficult to meet financial obligations. So, let’s take a look at common cash flow issues businesses face during the holiday season and some tips on how...
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