Resource Center

Starting and Planning Your Business

Business man on phone in office

Business Organizations and Contacts

Organizations and government agencies with resources to support small businesses.

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Manufacturing Facility

Choose The Right Business Location

Choosing the right location for your business can mean the difference between success or failure. Here are success criterias in helping you choose.

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Hair Salon Owner

Duplicate a Thriving Business: Franchise!

An excellent way to start a business and tip the chances of business success is to franchise.

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Home Supply Business Owner

Existing Business or Brand New Venture?

Entrepreneurs have two additional options (beside a franchise arrangement): to purchase an existing freestanding business or to start a new company from scratch.

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Successful Restaurant Owner

Lay the Groundwork

Entrepreneurs launching new businesses must recognize and understand their own strong points and limitations to compete in a crowded market.

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business owner with open sign

The Business Plan and Beyond

There are very few downsides to writing a business plan. It offers so many benefits and it does not have to be complicated. If you want to win, have a plan for success.

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Capital and Cash Flow

Small Business Owner

Determining Your Capital Needs

The total of both capital and working capital is the amount required to operate your business. The key is to factor in capital needs and working capital needs to avoid business failure.

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Female Business Owner

Managing Cash Flow

Understanding and managing your cash flow is essential to the success of a small business. The articles within this section will point you in the right direction.

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Security Center

Technology Employees

Business Identity Protection

Learn how to protect sensitive information for both you and your customers.

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Female Business Owner

Preventing Internal and External Fraud

Learn the value of building strong vendor relationships, destroying sensitive materials and screening employees to protect your business.

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Working on Laptop

Technology and Internet Safety

Protecting your computer, your mobile device and your network is key to running a successful business.

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Fraud Alert Exclamation Point

Fraud Alerts

Learn about the different activities criminals use to take advantage of you, your business and your employees.

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Tools and Calculators

Inventory Manager

Breakeven Analysis

The breakeven analysis calculator is designed to demonstrate how many units of your product must be sold to make a profit. Hit "View Report" to see a detailed look at the profit generated at each sales volume level.

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Flower Shop Owner

Profit Margin Calculator

Determine the selling price for your products to achieve a desired profit margin.

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Owner on Machine Shop Floor

Business Valuation

Get the Net Present Value (NPV) of all of your future cash flows discounted in today's dollars at your Weighted Average Cost of Capital (WACC).

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Business Planning

Working Capital Needs

The calculator assists you in determining working capital needs for the next year.

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Business Men at Computer

Cash Flow Calculator

Use this calculator to help you determine the cash flow generated by your business.

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Female Cheese Shop Owner

Commercial Loan Calculator

Use this calculator to estimate your debt service coverage with a new commercial loan.

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Fashion Boutique Owner

Debt Service Coverage

This tool calculates debt services and illustrates how debt service coverage ratios are impacted by changing income and capital assumptions.

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Inventory Manager

Inventory Analysis

This calculator helps you determine how much inventory you should hold, and when you should place inventory orders.

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business woman making copies

Equipment Buy vs. Lease

Should you lease or buy? Use this calculator to find out! Calculate monthly payments and your total net cost. By comparing these amounts, you can determine which is the better value for you.

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business finance

Business Debt Consolidation

This calculator is designed to help determine if debt consolidation is right for you. Fill in your loan amounts, credit card or credit line balances and other outstanding debt. Then see what your monthly payment would be with a consolidated loan.

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Business Man

Like Kind Exchange

This calculator is designed to calculate recognized loss, gains and the basis for your newly received property.

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Financial Management

Financial Ratios

This calculator is designed to show you 10 different financial ratios.

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Commercial Vans

Repossession of Personal Property

If you have repossessed personal property from a deferred payment sale, you can use this calculator to determine the gain or loss.

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Financial Management

Repossession of Personal Property from an Installment Payment Sale

Use this calculator to determine the gain or loss of repossessed personal property with installment payments.

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Commercial Office Building

Repossession of Real Property

If you have repossessed real property, you can use this calculator to determine the gain or loss as well as its new basis.

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The information provided is not intended to be legal, tax, or financial advice or recommendations for any specific individual, business, or circumstance. TowneBank cannot guarantee that it is accurate, up to date, or appropriate for your situation. Financial calculators are provided for illustrative purposes only. You are encouraged to consult with a qualified attorney or financial advisor to understand how the law applies to your particular circumstances or for financial information specific to your personal or business situation.