Three key factors when considering a new loan, by Adam F. Lutostanski, senior vice president of commercial banking, Associated Bank, as published in Daily Herald Business Ledger, May 7, 2014.

Across the United States, banks are sitting on over $10 trillion of deposits which exceeds the total value of loans by a record $2.5 trillion. For businesses looking to borrow, this means there is a tremendous amount of capital waiting to be deployed. Read the full story here.