I am fortunate to currently serve as Senior Executive Commercial Banker at Atlantic Union Bank. I have been in consumer and commercial banking for over 30 years. Over the last three decades and currently, I have had the privilege of working with closely held, family owned businesses with annual revenues of $10MM up to $200MM. The ultimate goal and mission is to help these companies to reach all of their business & personal financial goals via our comprehensive suite of business banking products and services. The benefits of these services and products range from helping companies with their capital needs, cash management, risk management, and employee benefits. We can go from cradle to grave with a client's business banking needs. For example, capital needs can include owner occupied real estate, investment real estate, line of credit to to support working capital needs and keep cash flow even; cash management includes information reporting, efficient and timely receipt of funds from customers, paying vendors how and when a company would like via check, ACH, card, merchant services etc, and account reconciliation; risk management involves general liability insurance, workers comp insurance, group health insurance business evaluation services, and succession planning to name a few ways we assist our clients in managing risk. We are able to help companies meet their financial goals via understanding the business, understanding management, and understanding current and future plans. Again, we can help a start up business entity to a seasoned and mature company meet their financial needs and goals.