Insights

Business Banking Insights

Great banking relationships begin with outstanding products and services. But it’s the combination of knowledge and sector-specific expertise at Torrey Pines Bank that brings our clients a competitive advantage. In Insights, we’ve assembled smart thinking from our bankers who work to stay ahead of the curve across a wide range of industries. It’s one more way our highly experienced bankers are committed to knowing more and doing more for our clients.

Insights

Tap Into Smart Thinking

Business owners discussing financing with their small business banker

Seeking Business Financing? What to Know First

Nonprofit organizers seeking information about banking services.

What Should a Nonprofit Look for in a Commercial Bank?

A young woman checking her credit card statement on her mobile phone

Your Commercial Credit Card and Digital Security

Photo of a wharehouse with boxes stacked high on shelves.

Understanding Asset-Based Lending and Its Benefits for Your Business

Even though a business generates significant assets it may still experience cash shortages. It may grow so rapidly that the company’s cash flow is not aligned with traditional borrowing requirements.

Economic Forecast Leading Into 2023: Bumps and Opportunities in the Road

The dynamic economic conditions of 2022 won’t smooth out any time soon. But the economic forecast isn’t all bad, and may hold promise for a robust private sector.

Considering a Loan? Questions to Ask Before You Borrow

When you’re thinking about a business loan, it’s helpful to have a clear understanding of your needs before you go to lenders. With these four questions, you can plan your approach.

Woman and man sitting down and having a meeting.

All in the Family for Torrey Pines Bank and Family Office Association

With complex, multi-state compliance requirements, Family Office Association needed a sophisticated, highly responsive bank. Concierge service that matched their own sealed the deal.

The 5 Cs of Credit: How to Improve Your Odds When Applying for a Business Loan

Funding can help small businesses grow and thrive — but even though capital is available, some small-business owners may struggle to access it.

San Diego’s Economy on Solid Footing

San Diego’s economy has been robust for the past few years. Learn which factors might affect its future — and yours — with insights from our economic forum.

Orange and Los Angeles Counties on the Road to Recovery

Companies in Los Angeles and Orange County are successfully navigating the economy’s ups and downs. Discover how to plan for the factors that might impact your future.

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Specialized Banking to Serve Defense Contractors in San Diego

Torrey Pines Bankers have nearly 80 years of combined defense industry expertise. Read more about how their experience in the industry can help defense firms grow and navigate the nuances.

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Why Now Might Be the Time to Sell Your Business in Southern California

For many reasons, now may be a great time to sell a business. Learn more about how to assess your business valuation with our four-step checklist.

5 Ideas for Managing Through a Labor Shortage

Labor challenges may be here to stay, but these techniques can help your business overcome the labor shortage. (And your banker might be able to help.)