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Insights

Business Banking Insights

Great banking relationships begin with outstanding products and services. But it’s the combination of knowledge and sector-specific expertise at Torrey Pines Bank that brings our clients a competitive advantage. In Insights, we’ve assembled smart thinking from our bankers who work to stay ahead of the curve across a wide range of industries. It’s one more way our highly experienced bankers are committed to knowing more and doing more for our clients.

Insights

Tap Into Smart Thinking

Economic Forecast Leading Into 2023: Bumps and Opportunities in the Road

Nonprofit organizers seeking information about banking services.

What Should a Nonprofit Look for in a Commercial Bank?

Rising Inflation, How Worried Should We Be?

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Banking Designed for Professional Fiduciaries: We’re Here to Help

Professional fiduciaries safeguard the best interests of their clients. Our fiduciary service bankers deliver tailored solutions and service to meet your clients’ needs.

Two small business owners sitting at a table with a banker

Setting Your New Small Business Up for Success

For many who are looking to start their own small business, there are often more questions than answers. Set yourself up for success at the onset by taking a close look at these key things.

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Foreign Exchange Hedging Policy Client Advisory

All companies operating internationally will be exposed to foreign currency exchange (FX) risk. Financial derivatives are products that can be utilized to reduce the impact

Asset-Based Lending: Advantages and Examples

There are many ways of raising the capital needed to grow a business, yet many companies default to a traditional cash flow-based loan. Asset-based lending is a lesser-known financing option that may make more sense.

What Should a Nonprofit Look for in a Commercial Bank?

Nonprofits have business banking needs that are unique. Here’s what to look for when evaluating banking options for your nonprofit so that you can focus on your continued operation and growth.

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Understanding Asset-Based Lending and Its Benefits for Your Business

Even though a business generates significant assets it may still experience cash shortages. It may grow so rapidly that the company’s cash flow is not aligned with traditional borrowing requirements.

Economic Forecast Leading Into 2023: Bumps and Opportunities in the Road

The dynamic economic conditions of 2022 won’t smooth out any time soon. But the economic forecast isn’t all bad, and may hold promise for a robust private sector.

Considering a Loan? Questions to Ask Before You Borrow

When you’re thinking about a business loan, it’s helpful to have a clear understanding of your needs before you go to lenders. With these four questions, you can plan your approach.

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All in the Family for Torrey Pines Bank and Family Office Association

With complex, multi-state compliance requirements, Family Office Association needed a sophisticated, highly responsive bank. Concierge service that matched their own sealed the deal.

The 5 Cs of Credit: How to Improve Your Odds When Applying for a Business Loan

Funding can help small businesses grow and thrive — but even though capital is available, some small-business owners may struggle to access it.