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Pinnacle Bank Texas Business Credit Cards

Pinnacle Bank Texas Business Credit Cards

Most people find it difficult to manage their personal finances without a credit card, and it is really no different for businesses that must be able to meet short-term financing needs while effectively managing their cash flow. For businesses transitioning from their start-up phase into their growth phase, establishing a Pinnacle Bank Business Credit Card is essential for gaining access to credit as well as for enhancing credibility within the business community. Businesses have access to a wide variety of financing options for their expansion needs; however, credit cards can play a vital role in the short-term cash management function that is critical to a growing business. Here are five ways a business can use a Pinnacle Bank Business Credit Card to improve its cash management:

Separate Business and Personal Finances: Avoid the hassle of having accountants or IRS agents sort through records that mix business and personal expenses. Businesses risk increasing their costs in the additional time it takes their accountant to prepare their taxes, as well the possibility of IRS audits triggered by commingled record keeping.

Purchase Control and Convenience: Increasingly, businesses use the Internet to purchase supplies and book travel, which makes having a Pinnacle Bank Business Credit Card more essential than ever. And, having a business credit card available when a unique opportunity arises will eliminate the need to use personal checks or credit cards, which can muddle record keeping. Credit cards with set spending limits are also the best way to track and control spending by employees. Extra Pinnacle Bank Business Credit Cards are available for company employees, as well.

Cash Management: Credit card financing can be an effective strategy for covering the cost of doing business in anticipation of the revenue it will generate. Businesses can take advantage of the 30-day billing cycle of Pinnacle Bank Business Credit Card to purchase inventory or materials needed for a customer order that can then be repaid upon receipt of the customer's payment. And, because credit card transactions generate multiple records through physical receipts, transaction reports and online statements record keeping is much easier. Many business accounting software programs are able to import transaction data from online accounts, virtually automating record keeping, data compilation and cash flow analysis.

Build Business Credit (while protecting your own): A business needs a credit score as much as an individual does. A Pinnacle Bank Business Credit Card with a solid payment history is one of the quickest ways for a business to build a credit history and can open the door to other financing options. And, because business and personal credit activities are reported separately, your personal credit score is not likely to be affected by any adverse reporting, such as inquiries or high debt to credit ratios.

Pinnacle Bank Visa® Business Card

The Pinnacle Bank Visa® Business Card provides businesses with the purchasing power they need to manage cash flow and expenses along with the convenience, security and global benefits of Visa. The simplified tracking and reporting of all spending enables businesses to maintain financial control.

Pinnacle Bank business cards provide many added benefits and protections, such as zero liability on lost or stolen cards, emergency card replacement, fraud monitoring and alerts, extended purchase protection and travel insurance.

If your business could benefit from some or all of these advantages, contact our business financing specialist today to see which Pinnacle Bank Business Credit Card options would best meet your needs. Visit one of our convenient banking centers at a location near you.

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