Citywide Banks, a division of HTLF Bank
Optimizing Business

Our financial team provides access to additional working capital, automated processes and business expertise.

A Team That Is a Cut Above

This lumber company is a 115-year-old family-owned company with 24 locations across three states serving everyone from large-scale contractors to DIY homeowners. This company needed more than what most banks can provide.

“They’re good people who want to help us grow our business, and we appreciate that.”

- President and CEO, Lumber Company

President and CEO, “In our industry, payment terms are tight and margins are tighter—maintaining healthy cash flow can be a challenge. We knew solutions to our problems existed, and our bank was able to offer them”. After taking the time to develop a deep understanding of their business, our team of financial experts delivered a comprehensive solution to reduce operating costs and enable growth.

“Their vendor payment and fleet credit card program has been huge. We receive a percentage of our spend as a rebate and improve our cash flow. The payment cards allow us to get vendors’ best pricing for early payments, and then we pay the bank 30 days later. Operationally, we are able to process millions of dollars of payments effortlessly. We also use their ‘buy local’ program that helps us grow our business and supports our community by offering our customers financing at 0% interest for an entire year. They also have helped us leverage treasury management solutions to take the burden off our operations. It’s exactly the kind of partnership we need in a bank.”

Built for Better Business.

Our Commercial Bankers are ready to help your business grow.

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Source: Heartland Financial USA, Inc., 2018 Annual Report

Business Insights

HTLF Strength

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