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Over the past few years, there have been a growing number of business owners who have chosen to use an employee stock ownership plan ‡ (ESOP) as a path to exit their business – a decision with many benefits, according...

For many years, the U.S. dollar (USD)‡ has been the world’s dominant currency. This has led many U.S. businesses to assume that all foreign trade partners prefer to do business in USD, and that this payment method is easiest because...

Along with harvest planning, pre-harvest is a critical time of year for farmers to assess their marketing and financial situation. It’s a good time to review your crop projections to see how they align with your pre-planting estimates and turn...

Running a business is hard work – juggling day-to-day priorities while simultaneously reacting to shifting market conditions and demand. It’s likely your first priority is to ensure the business is successful, which includes optimizing the company’s income/expense ratio. However, many...

With nearly 40 years of experience at UMB, 15 of which have been in the credit world, and as current chief credit officer, to say that Tom Terry knows UMB’s approach to credit is an understatement. Here, he shares how...