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Your Personal Financial Statement (PFS) Isn’t a Trap. It’s a Ticket

You’re applying for an SBA loan. The conversation is going well, your business case is solid, and you have a great relationship with your lender. Then you review the Personal Financial Statement (PFS), and something shifts.

How to Make a Small Business Budget That Works

Developing a business budget may sound straightforward, but many small business owners struggle to create one that truly works for them.

Food Preferences Are Changing. How Will It Affect Farmers?

The American grocery aisle looks different from what it did ten years ago. Refrigerated case space has grown, and the center store has gotten much smaller.

Farm Safety: A Profitable Investment

At First Financial Bank, we’ve gathered an important lesson from years of serving agricultural businesses.


Questions about Your Loan Needs?


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Planning for the Off-Season: How Smart Pet Care Owners Build Cash Flow Resilience

Every pet care business has a rhythm. Boarding surges around the holidays and summer travel season, then quiets down when families stay home. Grooming ebbs and flows, while daycare hums along steadily. The owners who thrive aren’t necessarily the ones with the busiest December; they’re the ones who use the busy months to prepare for the slower ones.

How SBA 7(a) Financing Can Help Death Care Businesses Solve Their Biggest Challenges

The death care industry has always been built on service, trust, and long-term
community relationships. Yet today’s funeral home and cemetery owners face a new set
of challenges that threaten growth and profitability.

Your Personal Financial Statement (PFS) Isn’t a Trap. It’s a Ticket

You’re applying for an SBA loan. The conversation is going well, your business case is solid, and you have a great relationship with your lender. Then you review the Personal Financial Statement (PFS), and something shifts.

How to Extend the Life of Poultry Houses & Equipment

A commercial poultry house is one of the biggest single investments most growers will ever make. Between the structure itself, the ventilation and climate systems, feeders, waterers, and controllers, you’re looking at hundreds of thousands of dollars per house before a single bird arrives. So, here’s a question worth asking on a regular basis: how long will all of it last?

Environmental Permit Renewals: Why Poultry Growers Need to Be Proactive

There’s a phone call that poultry lenders hope to avoid. It goes something like this: the closing is scheduled, the loan package is built, the integrator contract is in hand, and everything has been moving toward a close. Then someone checks the environmental permits.

Spring Maintenance for Poultry Farmers: What to Consider

Every year, as winter comes to an end, it’s time to adjust your mindset and create a plan as you prepare for spring.

Poultry Farm Construction – Where to Start?

If building a commercial poultry farm is on your mind, you’re not alone! The poultry industry is booming, and poultry sales are expected to remain strong. However, getting into poultry farming can be quite complex.


Food Preferences Are Changing. How Will It Affect Farmers?

The American grocery aisle looks different from what it did ten years ago. Refrigerated case space has grown, and the center store has gotten much smaller.

Spring Maintenance for Poultry Farmers: What to Consider

Every year, as winter comes to an end, it’s time to adjust your mindset and create a plan as you prepare for spring.

Poultry Farm Construction – Where to Start?

If building a commercial poultry farm is on your mind, you’re not alone! The poultry industry is booming, and poultry sales are expected to remain strong. However, getting into poultry farming can be quite complex.

Farm to Fork: How Much Money Spent on Food Goes to the Farmer?

When you buy a gallon of milk for $4, or order a burger at your favorite neighborhood restaurant for $15, what percentage goes back to where it begins – the farmers? The answer might surprise you and reflect the intricate paths food takes from farm to fork.


Arkansas PBM Legislation: What Independent Pharmacy Owners Need to Know About Act 624 and the Road Ahead

Arkansas was the first state to outlaw Pharmacy Benefit Manager (PBM) owned pharmacies under Act 624, which quickly made its way through the pharmacy sector.

The Pharmacy Business Plan: A Complete Guide

You’ve made the decision – maybe even picked out the exact property – to build or buy a pharmacy. How do you sell your vision to a funder? Your pharmacy business plan is the answer.

Questions about Your Loan Needs?


Stay connected and follow us on social!


Planning for the Off-Season: How Smart Pet Care Owners Build Cash Flow Resilience

Every pet care business has a rhythm. Boarding surges around the holidays and summer travel season, then quiets down when families stay home. Grooming ebbs and flows, while daycare hums along steadily. The owners who thrive aren’t necessarily the ones with the busiest December; they’re the ones who use the busy months to prepare for the slower ones.

Starting a Pet Care Business: Finding & Funding Your Dream

The pet industry continues to be one of the fastest growing in America, spending an estimated $157 billion/year on our furry friends. Whether you want to run a pet boarding facility, open a doggy daycare, or operate a full-service pet resort, now is the time for animal lovers to turn their passion into profit.


Planning to Buy a Veterinary Practice?

Looking to buy an existing veterinary practice? Take this quiz and see how much you already know – and where you might need some additional guidance as you plan to buy a vet clinic.

Making it Easier to Navigate the Process to Your Veterinary Loan

Thinking about buying or building a veterinary practice? Managing Director of First Financial Bank’s Professional Services Division, Schwanda Flowers, PharmD, provides some insights to help you navigate the business loan process successfully.

How to Read a Balance Sheet for a Veterinary Practice/Clinic

Thinking about buying a veterinary practice or clinic? Looking at the financials will be important in your due diligence – including the latest balance sheet.

Enhancing the Accounting Practices for Your Veterinary Clinic / Hospital

Applying best practices helps you provide great healthcare to your patients. Your veterinary business’ finances can also benefit from leveraging the best practices – of accounting.

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