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Small Business Resources

Two employees standing inside their food cart.

As your business partner, our goal is to help your small business succeed. We want to provide you with the tools and education you need to build a successful business. On this page you will find articles and links that may be of assistance to you and your business.


Local Resources

Hiring Your First Employee

Are you ready to hire your first employee? This important milestone requires a lot of thought and preparation. If you are in a situation where your business needs additional help, you’re feeling overwhelmed as a business owner, or feel like your business is in need of new fresh ideas, hiring an employee may be the best solution.

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Credit Unions Have Great Business Accounts

Credit unions are a cornerstone of many communities, as their products and services support not only individuals but businesses as well. Credit union business checking and savings accounts are just the tip of the iceberg when it comes to accounts offered to businesses, small or large. Credit unions offer better interest rates than banks or other financial institutions because they’re owned by their members.

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Tips for Starting a Business

Starting a business is no small feat, but it can be an incredibly satisfying venture with great rewards. There are many resources out there to help you learn the ropes as you take the first steps towards business ownership. To get you started, here are six useful tips for starting a business, ranging from identifying your actual passion to finding the best business checking account for managing your funds.

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Types of Business Ownership and Legal Structures

Business Executives Talking at a table

There are few things as exciting—and terrifying—as owning your own business. It’s hard work, but nothing is quite as rewarding as being your own boss. But like all good things in life, owning your own business is a lot of work. Even if you have a great idea, it can be incredibly discouraging just to figure out where to start.

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Starting Your Business

Starting a business requires careful planning and taking the right steps. Reach out to your local small business center for expert advice on tax liability, fees, and business structure. Register for an EIN, which you'll need for licenses and taxes. Register with the state and check for additional city fees. Open a Rivermark Business Account to separate personal and business finances. Plan your taxes using EFTPS.

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Manage Cash Flow

You’ve likely heard that cash flow is the life blood of your business. Without a good grasp on how cash is flowing in and out, many businesses fail. Managing cash flow can be challenging, but we’ve put together some strategies to help you.

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Protect from Cyber Crime

As our world becomes more and more digital, cyber security is a growing concern for small businesses. Breaches are expensive, in both loss of revenue and reputational risk, with 60% of small businesses going out of business within six months of a breach. Unlike large corporations, your business likely doesn’t have a big cyber-security protection budget. The good news is that there are relatively inexpensive tactics to keep your business safe.

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