Banking for the Smaller Business

by C. Lawrence “Larry” Thomas Small businesses are receiving a lot of attention these days, and for good reason. America’s small businesses have created the majority of new jobs over the last decade and, in past downturns, it’s been small business growth that has pulled us out of recession. South Orange County is no exception. […]

Business Lending Solutions in South Orange County

by C. Lawrence “Larry’’ Thomas As our South Orange County economy continues to improve, our local businesses turn their attention to preparing to grow. This preparation may be in the form of remodeling or purchasing their facility, adding to inventory, buying new equipment, or restructuring their financing to accommodate growth. Similarly, investors have renewed interest […]

Unreal Tax Stories

CoverLaw goes head to head with the IRS by Janeen Christoff • photography by Lana Farfan, Caught in the Moment Photography If you dread tax season and/or dealing with the IRS you have good reason! “Our tax code is wordy, about 4 million words. It’s always changing, too. Since 2001 alone, there have been more than […]

ASK THE EXPERTS

Q & A with Al Hensling, President of United American Mortgage With conventional financing at all-time lows of as little as 3% down, OC families look to purchase or refinance in the new year. By many industry seers’ accounts, families will be back in the market for homes in 2015. Is your family one of […]

United American Mortgage Company

Trusted, tried and true. That’s the reason why Irvine’s United American Mortgage has been successful for over 20 years. Since 1993, UAMC specializes in providing mortgage-financing solutions to homeowners and homebuyers. You’re almost tired of reading about it but it’s true: the mortgage meltdown hurt more than a few and people are still trying to […]

Protecting Against Losses from Lost or Stolen Credit and Debit Cards

by C. Lawrence “Larry” Thomas They seem awfully frequent, news stories of security breaches and the loss of customer credit or debit card data. Some shrug it off saying that it is the new “reality” of doing business in the modern age. Not really, there is a lot that consumers and the businesses they deal […]

SBA Loans: Financing for Small to Mid-Sized Businesses

by C. Lawrence “Larry” Thomas Growing a business requires vision, planning, preparation, and timely execution. Part of the preparation is securing the financing necessary to accomplish the growth. The financing might come from the owner’s paid in capital or securing addition capital from investors. More commonly, this financing comes through a loan from a bank. […]

Funding Your Trust Is A Must

The Alternative Can Be Quite Costly by Elaine M. Watrous, CLPF While you are making plans for your next family vacation and have your checklist of things to do, be sure to add properly funding your trust before you leave. With the rapid changes in the banking industry, and in our busy lives, we recommend […]

Unreal Tax Stories: CoverLaw goes head to head with the IRS

by Janeen Christoff • photography by Lana Farfan, Caught in the Moment Photography If you dread tax season and/or dealing with the IRS you have good reason!  “Our tax code is wordy, about 4 million words. It’s always changing, too. Since 2001 alone, there have been more than 4,500 changes.”  – Robert W. Wood, contributor for Forbes […]

Answering the Evolving Challenges Facing the “Smaller” Business

I began the process of writing this article by, of course, Googling. I wanted to do a piece on the challenges facing the smaller business. I wasn’t thinking of a “new” business and, in my mind, “smaller” could be pretty substantial; say $3 to $5 million in annual revenue. I searched “challenges facing small businesses” […]