Securing Your Business Loan: A Dual Perspective on Building Trust with Your Lender

When seeking financing for your business, it’s crucial to remember that the relationship between you and your lender is a two-way street. While the bank evaluates your creditworthiness and ability to repay, you also have the opportunity to demonstrate that you’re a reliable partner. As a lender, I understand the importance of these interactions. But as someone who also sits on the side of the table as a customer, I know how vital it is to present yourself in a way...

(2025) Losing a loved one is never easy, and along with the emotional toll, there are often practical matters that need to be handled. One of the things that might come up in the days and weeks following a death is the management of their bank accounts. While it can feel overwhelming, taking things one step at a time can make the process smoother. Here’s a simple guide to help you navigate this difficult task with care and clarity.

Before...

In today’s digital world, we can do just about everything online—grocery shopping, ordering takeout, even buying a car. And yes, getting a mortgage, too. But when it comes to something as big as buying a home, is online really the best way to go?

At Prevail Bank, we believe there’s something invaluable about working with a local mortgage lender—someone who knows you, your community, and is there when you need them. We believe in the value of real...

Sometimes, the most incredible journeys start with the simplest of steps. For Alec and Dylan Tutton, it boiled down to three key things: the satisfaction of a completed project, the power of customer referrals, and the strength of the relationships they’ve built.

The Tutton brothers started doing lawn care in high school to make some extra money. They spent their summers biking to neighborhood houses where they’d cut grass or do other small landscaping projects....

(2025) There is a serious issue out there that affects many people across the country: Social Security scams. At Prevail Bank, we're committed to safeguarding your financial well-being, and that includes helping you stay informed about these deceptive practices. Scammers are constantly changing-up their tactics. We must stay vigilant; we must continually learn and understand how to identify and avoid these schemes.

These scams often involve sophisticated methods...

As you enter your 40s and 50s, retirement may start to feel closer than ever. While it’s never too late to begin planning for your future, the choices you make in this stage of life can have a huge impact on how well-prepared you’ll be for retirement. Whether you're looking to retire at 60 or 70, the goal is to set yourself up for financial stability and peace of mind. Miguel Baldemor, Relationship Banker at the Prevail Bank Stevens Point branch provides some tips...

(2025) Shredding of confidential information is strongly encouraged as a safeguard against identity theft. Knowing this, Prevail Bank is offering the communities it serves an opportunity to shred their papers free-of-charge on the designated dates and times listed below.

As an added community benefit, Prevail Bank intends to donate $1 for every pound of paper shredded, at each of its locations, up to a $1,000 each to a local nonprofit.

So, you are not just...

Buying a home is an exciting milestone, but the variety of loan options can feel overwhelming. Let’s break down the differences between FHA, USDA, VA, and conventional home loans to help you decide which might be the best fit for you.

Backed by the Federal Housing Administration, FHA loans are designed for buyers with moderate incomes or less-than-perfect credit.

Starting a new business is exciting, but it's no secret that a high percentage of small businesses fail within the first two years. One of the most common reasons is poor cash flow management. Without a clear understanding of realistic income expectations versus expenses, many entrepreneurs find themselves unable to cover costs or invest in growth. But don’t worry—there are steps you can take and people available to help you.

With tax season upon us, the time for tax phishing and phone scams are too. Below are some tips taken directly from the IRS’ website, including associated links.

Remember, the IRS does not initially (key word is initially) reach out or contact taxpayers by email, text messages, or social media channels. This includes requests for personal identification information, PINS, passwords, or similar access information for credit cards, banks, or other financial accounts.