Tom Pennings is a Fox Valley native dedicated to customer-centric business banking. His well-rounded experience includes commercial deposits and lending, which contributes to his thorough understanding of the financial issues small business owners face. He enjoys frequent in-person visits with his customers and utilizing his network to connect people who can help each other's businesses grow.

    Author: Tom Pennings

    Tom Pennings is a Fox Valley native dedicated to customer-centric business banking. His well-rounded experience includes commercial deposits and lending, which contributes to his thorough understanding of the financial issues small business owners face. He enjoys frequent in-person visits with his customers and utilizing his network to connect people who can help each other's businesses grow.

    Recent Posts


    Tom Pennings

    Author: Tom Pennings
    Date: 06/04/2020

    Working Capital or Capital Expenditure: Which LOC is Right for You?

    It’s estimated that nearly 50% of small businesses have a line of credit (LOC) in place, and about one-third utilize it on a regular basis.1 If you’re thinking of an LOC, here are some factors to consider when...

    Topics: Financing

    Tom Pennings

    Author: Tom Pennings
    Date: 04/17/2019

    Borrowing Base Certificates: How They’re Calculated and What to Look For

    One of the many challenges entrepreneurs face is keeping their capital levels sufficient enough to fund their growth. Other than cash on hand, many businesses rely on having a business line of credit (LOC); young,...

    Topics: Financing

    Benefits of Community Business Bank
    Benefits of Community Business Bank