Small businesses and startups rely on SBA loans to help grow. In this video, we cover how SBA loans work, the differences between SBA 7a, 504, and Express, and how to prepare a winning application.

#SBALoan #BusinessFinanceTips #StartupFunding

Learn how to get a 1.50% rate discount on select SBA loans for rates as low as 6.00% (Subject to approval. Your rate may be higher.)👉https://www.nbarizona.com/business/landing/sba-promo/

Learn more about SBA loans: 👉https://www.youtube.com/playlist?list=PLquejpmytTfrELo-M9vq-mNlNm2DMnAu8

In this episode we talk about:

✅ What SBA guarantees mean

✅ SBA 504 real estate and construction loans

✅ SBA 7a for working capital, equipment, and business acquisitions

✅ SBA Express for fast, streamlined approvals

✅ How to calculate project costs

✅ What lenders look for in business plans and projections

✅ How to avoid delays and denials

In this episode of Financial Cents, Chris Sarver, business manager, sits down with host Brent Cannon, president and director of community banking, to give you an ultimate checklist to the SBA loan process. Whether you're a startup or looking to grow your existing business, this guide will help you navigate the SBA loan application process.

#Finance #Entrepreneur #Entrepreneurship #BusinessFunding #SmallBusiness #BusinessLoans #FinancePodcast

#BusinessPodcast #BankingTips #FinancialEducation #NationalBankofArizona #Nbaz # FinancialCents #ArizonaBusiness #ArizonaSmallBusiness

Subject to credit approval and SBA approval. Terms and conditions apply. Interest rate is variable and subject to change based on change in Index (i.e., WSJ Prime). See banker for details. New loans only. Eligible loan types: All SBA 7a loans, including SBA express Lines of Credit. Must comply with all SBA eligibility and collateral requirements. Rate requires Automatic payment from National Bank of Arizona business checking account. Offer is for a discount equal to 150 bps/1.50% below the rate listed on the SBA Loan Pricing Guide. The promotional rate will be in effect for the term of the note. Offer valid through December 31, 2026. Other terms and conditions apply. Offer subject to change. See banker for details. All price references and market forecasts correspond to the date of this recording. This podcast should not be copied, distributed, published or reproduced in whole or in part. The information contained in this podcast does not constitute research, recommendations, representations or warranties as to the accuracy or completeness of the statements of any information contained in this podcast and any liability from Zions Bancorporation, N.A. or its divisions (including direct, indirect, or consequential loss or damage) is expressly disclaimed. The views expressed in this podcast may not be those of Zions Bancorporation, N.A. or any of its divisions. Zions Bancorporation, N.A. is not providing any financial, economic, legal, accounting or tax advice or recommendations in this podcast. In addition, the receipt of this podcast by any listener is not to be taken as constituting the giving of advice, investment or otherwise, by Zions Bancorporation, N.A. to that listener, nor to constitute such person a client of Zions Bancorporation, N.A. Copyright reserved by Zions Bancorporation, N.A. National Bank of Arizona is a division of Zions Bancorporation, N.A. Member FDIC. Equal Housing Lender, NMLS #467014

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Retirement is no longer a one-size-fits-all plan. From the rise of the 401k to the growing interest in micro-investing and crypto, the rules of wealth-building have fundamentally changed for every generation.

In this episode of Financial Cents, our new host Margaret Paddock sits down with Wealth Advisor John Poure (CFP) to break down the generational shifts in retirement planning. We cover everything from the conservative approach of Baby Boomers to the equity-focused portfolios of Millennials, the impact of recent tax laws (like the Secure Act), and the most essential, timeless wealth-building strategies. We talk about:

✅ The fundamental difference in investing strategies between Baby Boomers and Millennials.

✅ The 4% Rule for estimating how much money you need to retire.

✅ The three most important, universal financial rules to follow.

✅ Why saving early and leveraging the power of compounding is the single most important action (the Warren Buffett example).

John Poure is a Wealth Advisor with Zions Wealth Advisors and is available to help you plan your future. He or one of his colleagues can be found at your local National Bank of Arizona branch.

The Private Bank at National Bank of Arizona: https://www.nbarizona.com/wealth/private-banking/

View more episodes: 👉 https://www.nbarizona.com/personal/community/financial-cents/

#retirementplanning #generationalwealth #401k #financialfreedom #investing #ZionsWealth #PersonalFinance #NationalBankofArizona #Nbaz # FinancialCents

Securities and Advisory services are off­ered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. National Bank of Arizona and Zions Wealth Advisors are business divisions of Zions Bancorporation, N.A. and are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using the name Zions Wealth Advisors are also employees of Zions Bancorporation. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of Zions Bancorporation, N.A. or Zions Wealth Advisors. Securities and insurance offered through LPL, or its affiliates are:

Not insured by FDIC or Any Other Government Agency | Not Bank Guaranteed | Not Bank Deposits or Obligations | May Lose Value

Zions Bancorporation, N.A., provides referrals to financial professionals of LPL pursuant to an agreement that allows LPL to pay Zions Bancorporation, N.A. for these referrals. This creates an incentive for Zions Bancorporation, N.A. to make these referrals, resulting in a conflict of interest. Zions Bancorporation, N.A. is not a current client of LPL for brokerage or advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

Check out more content Financial Cents content by visiting: https://www.nbarizona.com/financial-cents/

Are you tracking your net worth? Do you have complex financial needs? For the established business owner and high net-worth individual, the complexity of managing assets often demands a financial solution far beyond traditional banking.

In this episode of Financial Cents, learn how private banking helps high net-worth individuals and successful business owners. Brent Cannon— president of National Bank of Arizona—sits down with Margaret Paddock—executive vice president and director of the private bank— to discuss how a dedicated private banker acts as your single point of contact, coordinating a full suite of services to help you with a comprehensive financial strategy and portfolio management.

Talk with a professional private banker for a white glove approach to financial planning and banking.
👉 https://www.nbarizona.com/personal/schedule-appointment/

Subscribe now for more financial insights!
👉 https://www.youtube.com/channel/UCddXDHJgaq3InDfcyKWufRQ

Get insights and economic data geared towards individuals managing or building wealth. Download our High Net Worth Report: https://www.nbarizona.com/wealth/private-banking/high-net-worth-report/

#PrivateBanking #FinancialPlanning #WealthManagement #HighNetWorth #BusinessOwners #FinancialCents #Entrepreuer #NationalBankofArizona #FinancialStrategy #HNWI

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Getting out of debt is not as easy as it sounds. But whether you're dealing with unsecured debt like credit cards and student loans or managing secured debt— the key is to stop digging and start climbing.

In this episode of the Financial Cents podcast, host Brent Cannon, President and Director of the Community Bank, and Brennan Wemmer, Branch Manager & Financial Educator, give you five real-world, actionable strategies to pay off debt, especially as you plan for the new year.

✅ Avalanche Method vs Snowball Method

✅ Debt Consolidation Loan

✅ Increasing Income and Apply Windfalls

✅ Budgeting tips and cutting expenses

✅ Balance Transfers

This is your ultimate guide to creating a debt payoff plan that sticks. Whether you’re dealing with student loans, credit card debt, or just want to improve your financial health, this video is packed with real-world tips from real bankers.

Talk with a banker for a free Financial Checkup and to help with a debt pay off plan: 👉 https://www.nbarizona.com/personal/schedule-appointment/

View more episodes: 👉 https://www.nbarizona.com/personal/community/financial-cents/

#PersonalFinance #FinancialFreedom #MoneyTips #DebtPayoff #DebtAvalanche #DebtConsolidation #HELOC #BudgetingTips #BalanceTransfer #DebtSnowball #NationalBankofArizona #Nbaz # FinancialCents

Check out more content Financial Cents content by visiting: https://www.nbarizona.com/financial-cents/

The three financial things every Gen Z and person in their 20s needs to learn.

In this episode of the Financial Cents podcast, we're cutting through the noise to give you the real money talk you need. This is for everyone navigating through their own financial journey.

We break down three lessons everyone should learn:

1️⃣ Understanding and utilizing a variety of banking products and services.

2️⃣ Understanding terms on lending.

3️⃣ Taking advantage of financial benefits like 401ks. Start in your 20s!

Bonus tip: Go into a bank and talk to a person. Don’t rely solely on technology.

See credit cards we offer: https://www.nbarizona.com/personal/credit-cards/

Stop by and talk to a banker about your finances: 👉 https://www.nbarizona.com/personal/schedule-appointment/

See Brent Cannon, president of National Bank of Arizona, sits down with Brennan Wemmer, our resident Gen Z branch manager, to share financial tips they wish they learned sooner in their 20s.

View more episodes: 👉 https://www.nbarizona.com/personal/community/financial-cents/

#genzfinance #moneyinyour20s #financialmistakes #adultingishard #personalfinances #budgetingtips #investingforbeginners #financialliteracy #debtfreejourney #budgeting101

Check out more content Financial Cents content by visiting: https://www.nbarizona.com/financial-cents/

#CheckingAccount #PersonalFinance #Retirement
Do you have these three bank accounts? Do you know the 50/30/20 rule? In this episode of Financial Cents, Brent Cannon and Paul Bradshaw break down the three essential accounts every financially savvy person needs: a checking account, a savings account, and a retirement account like a 401(k) or IRA.

💳 Learn how to:
• Build an emergency fund that gives you 3-6 months of living expenses
• Use the 50/30/20 rule to budget like a pro
• Save for retirement with 401(k) or IRA contributions
• Maximize your account benefits

Explore more banking benefits: 👉 https://www.nbarizona.com/personal/
Brent Cannon, president of National Bank of Arizona, sits down with Paul Bradshaw, branch manager, to share insider tips for maximizing your checking and savings accounts. Whether you're managing personal finances or just want smarter banking, this episode is for you.

View more episodes: 👉 https://www.nbarizona.com/personal/community/financial-cents/
#FinanceTips #Overdraft #FinancialCents #NationalBankofArizona #SmartBanking #MoneyManagement #CreditCards #Banking #FinancialPlanning #Retirement #IRA

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#checkingaccount #PersonalFinance #CreditCardRewards
Most people use checking accounts daily, but few realize how much value they’re leaving on the table. In this episode of Financial Cents, we talk about how to choose a checking account and we reveal how to unlock hidden perks like credit card reward boosts, loan rate discounts, and overdraft protection.

Open a Gold Account today: 👉 https://www.nbarizona.com/personal/personal-checking/gold-checking-account/?cid=adg-Yt_aff-NBAZ_cmpgn-ProductFocus_dtl-Nbazgold_lnchdt-202510_ch-OrgncScl_pur-Awa_vndr-Intrnl

💳 Get 0.25% more on your credit card rewards
🏦 Save with 0.50% rate discounts on consumer loans
💸 Avoid ATM fees nationwide
📈 Boost your savings interest rate
🏠 Get up to $1,000 off mortgage closing costs

Explore more banking benefits: 👉 https://www.nbarizona.com/personal/personal-checking/?cid=adg-Yt_aff-NBAZ_cmpgn-ProductFocus_dtl-Nbazgold_lnchdt-202510_ch-OrgncScl_pur-Awa_vndr-Intrnl

Brent Cannon, president of National Bank of Arizona, sits down with Paul Bradshaw, branch manager, to share insider tips for maximizing your checking account. Whether you're managing personal finances or just want smarter banking, this episode is for you.

View more episodes: 👉 https://www.nbarizona.com/personal/community/financial-cents/?cid=adg-Yt_aff-NBAZ_cmpgn-ProductFocus_dtl-Nbazgold_lnchdt-202510_ch-OrgncScl_pur-Awa_vndr-Intrnl

#FinanceTips #RewardsPoints #InterestRates #Overdraft #FinancialCents #NationalBankofArizona #SmartBanking #MoneyManagement #CreditCards #Banking #FinancialPlanning

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Cash flow can make or break your business. Many businesses fail not because of lack of profit, but because of poor cash flow. In this episode, we share practical strategies to help business owners monitor cash flow, optimize receivables, and build financial reserves. Learn how to avoid common pitfalls and keep your business financially healthy.

Get help from a local banker who understands cash flow: 👉 https://www.nbarizona.com/business/treasury/

Explore invoicing tools to get paid faster: 👉 https://www.nbarizona.com/business/digital-banking/invoice-and-get-paid/

Brent Cannon, president of National Bank of Arizona, sits down with Zak Wagner, treasury management sales manager, to break down the essentials of cash flow management. Whether you're just starting out or scaling up, this episode will help you run your business smarter.

View more episodes: 👉 https://www.nbarizona.com/personal/community/financial-cents/



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