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Chris O'Brien, senior vice president and credit manager

At some point, most small businesses have to spring for new equipment, whether it’s computers and copiers for an office, ovens for a restaurant or trucks for distributing a product. But it can be hard to afford such purchases outright — and even if it’s possible, it may not be wise to drain your cash reserves. Hear a perspective from Chris J. O'Brien, senior vice president and credit manager, Associated Bank.

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