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The Future Needs a Heritage Heritage Bank of Commerce, founded in 1994, is a community business bank headquartered in San Jose. For over 30 years, HBC has provided a consultative relationship banking approach with clients, offering valuable services to help them achieve their long-term business goals. The Bank combines the classic values of relationship-based, customer-focused community banking, with a forward-looking, strategic approach. Our solution-driven team of experienced, dedicated and innovative bankers, partner with you to find a custom solution that fits your business needs. Our large spectrum of credit and loan products spans from factoring to open lines of credits, cash management solutions to support and leverage your business cash flow, as well as a dedicated HOA Specialty Banking department servicing the HOA community with the latest in banking technology. Bank Focused on People Working with People With over 800 Non-profit organizations spanning a wide variety of industries, we know the intricacy of banking for non-profits. At HBC, we take a strong consultative approach empowering you to make meaningful business decisions that will allow you to have a strong impact in your community. As a conservative three plus billion dollar, publicly traded, 5-Star Bauer Financial rated, FDIC insured bank we check all the traditional boxes for a financial institution. But community banking is much more. HBC is involved on a deeper level with industry, business and community leaders, and is able to leverage this network successfully for our clients business goals. As part of our mission to give back, our relationship managers are required to be active in their community. They serve on boards, are deeply involved with their local business organizations and chambers, and are taking active roles in shaping their business areas. Member FDIC | Equal Housing Lender | NMLS ID# 486849
Smoothie King is a global health-focused smoothie company founded in 1973 in Kenner, Louisiana. It pioneered the smoothie sales concept and has grown to become a leading brand in the industry. The company was acquired in 2012 by Wan Kim, who expanded its reach and offerings. Smoothie King operates over 1,000 locations worldwide, with its headquarters in Dallas, Texas. The company offers a diverse menu of smoothies made from non-GMO fruits and vegetables, catering to various nutritional goals such as weight management, energy boosts, and muscle recovery. In addition to smoothies, some locations provide sports beverages, energy bars, snacks, and vitamin supplements. Smoothie Kings mission is to promote health and wellness by delivering high-quality, nutritious products while emphasizing ingredient transparency.
Lindsey Management Co., Inc. (LMC) is a leading property management firm located in Fayetteville, Arkansas. Founded in 1985, it has become the largest company in Arkansas specializing in multi-family housing and has expanded its services into neighboring states such as Alabama, Kansas, Mississippi, Missouri, and Oklahoma. LMC provides a wide range of property management services, primarily focusing on multi-family housing. The company manages over 140 apartment communities, totaling more than 32,000 apartments and executive suites. Additionally, LMC oversees numerous golf courses, including five Par 3 courses, five executive courses, thirteen regular courses, and sixteen 18-hole courses across Arkansas and surrounding states. Its services include leasing, maintenance, and customer support for both residential and recreational properties.
A New Risk Management Architecture - Emerald Bay is an updated solution to solve the problems created in a fractured/dislocated market. We are structured to ensure accountability throughout the life cycle of a risk, driven by integrity of underwriting. Collaborative, Tech Enabled Underwriting - Our technical underwriting and portfolio management is supported by cutting edge technology. We work in partnership with our MGA/PA and reinsurance capital partners to ensure long term sustainability. Partnership: A Full Alignment of Interests - Our approach requires that from producer to carrier to reinsurer all partners are invested in an aligned strategy. Our laser focus is on capital protection so we are there for our insured when they most need us.