As businesses enter the final quarter of the year, now is the time to evaluate cash flow, deposits, borrowing needs, and year-end purchasing strategies. The fourth quarter often brings increased expenses, tax obligations, equipment purchases, and planning for the year ahead.

Many business owners are making important financial decisions right now, from managing liquidity needs to preparing documentation for annual financial reviews and next year’s growth plans.

Consider taking time this month to:

• Review available cash reserves and short-term liquidity needs.
• Evaluate whether excess funds should be earning more through deposits or certificates.
• Assess upcoming equipment purchases before year-end.
• Prepare financial statements and tax documentation.
• Meet with your financial institution to discuss lending or growth opportunities for 2027.

AmeriCU’s Business Services team can help identify solutions that support both immediate operational needs and long-term business goals, helping you finish the year strong and prepare for what comes next.

SCHEDULE A BUSINESS FINANCIAL REVIEW