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Howard Bank created Marylandbankingblog.com with the small business in mind. It is another way Howard Bank offers the Hands On approach to banking. If there is a specific topic you would like us to write about, email us at HBOnline@howardbank.com with your topic idea.

Author Archives: Rosa Scharf

Rosa Scharf

About Rosa Scharf

Rosa Scharf is a Senior Vice President and Branch Team Manager at Howard Bank. With more than 27 years of experience in banking specializing in small business and small business lending she manages the branch management team and all branch sales initiatives at Howard Bank.

SBA Loans: 8 Common Myths…

March 21st, 2014 | Posted by Rosa Scharf in Howard Bank | SBA - (Comments Off)

Need an SBA loan? “You’ll be filling out forms forever.” “It’ll take them years to approve your loan.” Those are just two of the widely spread, but totally untrue myths about the SBA small business loan programs.

The Small Business Administration (SBA) offers numerous programs to assist entrepreneurs with starting, managing and growing their businesses. Thousands of American businesses are turning to this resource because financing remains a formidable challenge. However, many misconceptions exist about these (more…)

Banks are still lending when the story is right

March 30th, 2011 | Posted by Rosa Scharf in Howard Bank - (Comments Off)

Traditionally, Banks have been supportive partners for their customers because they help business owners grow their businesses. One example of this support is when Banks provide businesses with the funds needed to support working capital and buy assets.  In today’s tenuous economy, it has become quite clear that securing financing can be a challenge. For many, it may feel as though going through the loan process may not even be worth it.  The combination (more…)