Featured News & Insights

Pathward announced the Bank has been named to Monitor’s Bank 50 ranking.

Pathward announced a rollout of an evolved operating model that positions the company for increased innovation and growth, and clients for greater success and revenue enablement.

The International Customer Management Institute (“ICMI”) announced the winners of its 2025 ICMI Global Contact Center Awards and named Pathward’s Tax Call Center the Best Medium Contact Center.

Pathward® teams up with the Phoenix Suns/Phoenix Mercury Foundation (Suns and Mercury) to launch a new program for area teens.

Pathward® announced the results of research it conducted in partnership with Mastercard on financial attitudes and behaviors of Gen Z. The report, “From Safety Net to Solo: A Data-Driven Look at Gen Z’s Financial Journey.”

Discover how community banks operate and why they are vital to small business growth. Learn how local lending and partnerships help them stay competitive.

Pathward announced that it has partnered with Upstart to offer personal loans through Upstart’s lending marketplace.

The Gum Swamp solar project is projected to generate clean energy to power the equivalent of 17,000 North Carolina households annually, marking a significant expansion of solar energy capacity in the state.

H&R Block today announced the 2025 application period for the Emerald Advance® Loan, a fixed-rate short-term loan ranging from $350 to $1,500, available November 3 through December 31, 2025.

Pathward President Anthony Sharett joined other financial experts in sharing insights on how community banks can partner with fintechs to drive innovation and growth during a panel discussion.

Listen to our webinar to learn how the cross-border money movement environment is quickly evolving with the rise of proprietary networks, instant Push to Card payments, stablecoins and emerging regional payment alternatives.

During an episode of the ABA Banking Journal Podcast, Pathward’s Chief Executive Officer, Brett Pharr, spoke with Evan Sparks, Editor-in-Chief of the ABA Banking Journal and host of its podcast.

Pathward announced the winners of the Pathward Scholars Program in collaboration with the Arizona Community Foundation today.

Pathward®, N.A., a national bank focused on financial access, and the Georgia Tech Financial Services Innovation Lab, housed in the Scheller College of Business, announced a three-year partnership today. Starting this fall semester, Pathward and the university will collaborate to acquire data and analysis of the financial services landscape with an aim of creating greater financial access to consumers and businesses.

FinTech Intel recently announced Pathward as one of the organizations among the finalists for the FinTech Partner Award at the 2025 US FinTech Awards. This award recognizes organizations that provide outstanding services to FinTechs.

Seamless integration between Intuit QuickBooks Payroll and Clair is offered at no cost to employers and gives employees access to already-earned wages before payday.

Pathward announced the extension of its partnership with Oportun Financial Corporation. The extended agreement, which now runs through 2029, renews Pathward’s role to originate unsecured and secured personal loans nationwide.

The International Customer Management Institute recently announced Pathward’s Tax Call Center, led by Jenn Walls, and members of the team are among the finalists for the prestigious 2025 ICMI Global Contact Center Awards.

Pathward promotes a culture of volunteering to provide resources for its communities.

Pathward® announced that Charles Ingram has been appointed Executive Vice President and Chief Information and Operations Officer in recognition of his leadership in aligning technology, product and operations to drive efficiency, resilience and innovation across the Company.

Pathward President Anthony Sharett joined a panel discussion with other financial experts who shared perspectives to answer the question: What Does the Future of Digital Finance Look Like 5 Years Out?

Pathward announced that it has earned a spot on the 2025 Monitor 100 list.

Equipment leasing and equipment loans are the most used resources in the finance business equipment industry. Learn which financing options fits your business needs.

Pathward’s Divisional President of Partner Solutions, Will Sowell, weighed in on digital assets and other timely banking topics during the panel discussion, The Future of Bank-Fintech Collaboration.

U.S. News & World Report has named Pathward as one of the 2025-2026 Best Companies to Work For.

Knowing the 5 C's of Credit before you apply may better position you for obtaining a loan. Here are 5 key factors the lender will look for when considering your request.

Pathward, a financial empowerment company driven by its purpose to power financial inclusion, today announced that ABF Journal has named Julie Halbert, a Portfolio Manager for the Commercial Finance business line, to its list of Trailblazers.

Pathward’s Chief Executive Officer, Brett Pharr, spoke with Penny Crosman, Executive Editor, Technology, for an episode of the American Banker Podcast.

Financial services specialists, KBW, released its 2025 Bank Honor Roll Award winners, and Pathward Financial, Inc., the financial holding company for Pathward®, N.A., is one of 16 U.S. banking institutions named to KBW’s list of high-performing banks.

The Network of Women Employee Resource Group at Pathward®, N.A. announced the winner of the 2025 Empowering Women Award, and this year’s recipient is Cheryl Kirk. Kirk is a Client Analyst Manager on Pathward’s Commercial Finance team.

Pathward’s Executive Vice President and Chief People and Culture Officer, Anjana Berde, spoke with Jen Colletta, managing editor at HR Executive.

Pathward, N.A. announced that Chief Executive Officer Brett Pharr has been named the winner of a Silver Stevie® Award for Maverick of the Year in the Business Services Industries category in the 23rd Annual American Business Awards®.

Renewable Properties, a developer and investor in small-scale utility, community solar, energy storage, and electric vehicle infrastructure projects, has broken ground on three new solar projects in California.

In March 2025, Pathward held its first-ever Dare To Be Great Employee Summit in Atlanta, Georgia, to provide an opportunity for employees, many of whom work remotely in locations across the U.S. and Canada to connect with one another.

athward’s Volunteer of the Year award recognizes one employee for their unwavering commitment to the betterment of their community through volunteerism.

Pathward has been selected as a 2025 Goodies Award Finalist in the NewB Award category.

Pathward® announced that Nacha named the company to its lists of Top 50 financial institution originators and receivers of ACH payments in the country.

The report demonstrates Pathward’s continued commitment to environmental, social, and governance efforts throughout fiscal year 2024, ending Sept. 30, 2024, and underscores its core purpose of advancing financial inclusion and expanding financial access for all.

GoodPeak, a rapidly growing utility-scale battery energy storage and solar platform, announced today the closing of construction credit facilities with Pathward®, N.A. and BridgePeak Energy Capital, enabling commencement of construction of its first two 10-MW (2-hour duration) energy storage projects near Houston, Texas.

Pathward announced that it has been named “Best Banking as a Service Solution Provider” in the 9th annual FinTech Breakthrough Awards program conducted by FinTech Breakthrough, an independent market intelligence organization that recognizes the top companies, technologies and products in the global FinTech market today.

Take time out to listen and learn from the experts about the current Consumer Wallets environment and what’s on the horizon. Hear their perspectives on consumer and small business needs, use cases, what’s coming down the line, managing the regulatory moment and more.

Pathward®, N.A. (the company), a U.S.-based financial empowerment company driven by its purpose to power financial inclusion, is pleased to announce that Great Place To Work® has certified™ the company for the third consecutive year.

A digital payment is an electronic transfer of money between parties without using physical cash, like paying for food via a mobile app. Learn more with us.

Pathward's Executive Vice President and Chief Financial Officer (CFO) Greg Sigrist spoke with Grace Noto, editor of CFO Dive. During the interview, Sigrist shared his thoughts on big picture needs of the CFO role and the day-to-day talent management, risk assessment and data decisions that come with a leadership role.

FairPlay, the world's first Fairness-as-a-Service™ company, is announcing a customer relationship with Pathward®, N.A., a U.S.-based financial empowerment company driven by its purpose to increase financial inclusion.

Pathward's President Anthony Sharett spoke with Bryan Derman of Glenbrook Partners on the Payments on Fire podcast. During the interview, Sharett briefly explained how he got involved with payments and the journey that led him to Pathward, or what Derman calls “one of the OGs in partner banking,” nearly five years ago.

Pathward announced that Anjana Berde has joined the company as the Executive Vice President and Chief People and Culture Officer.

Embedded finance is growing fast, with the global market projected to increase from $22.5 billion in 2020 to $384 billion by 2029, according to KBV Research. This growth will change how people shop, pay, and interact with financial products in their daily lives.

Jan. 20, 2025, marked Martin Luther King, Jr. Day and the 30th anniversary of its commemoration as a National Day of Service. During the week leading up to the national holiday, Pathward honored Dr. King’s legacy with our Volunteer Week on Jan. 13 –17.

On.Energy, one of North America’s fastest growing power asset owners and proven end-to-end integrator of battery energy storage projects, today announced it has closed construction credit facilities provided by Pathward®, N.A. (“Pathward”) and BridgePeak Energy Capital (“BridgePeak”) to build its 160 MWh Palo de Agua battery storage portfolio across the state of Texas.

Pathward®, N.A., has announced that its Professional Tax Solutions team has completed all partnership agreements with key independent tax software providers for the 2025 tax season.

Just as we all have a personal credit score, your business also has its own credit score that plays a critical role in long-term success. A strong business credit score can open doors, helping you qualify for better terms on business loans, insurance, and vendor accounts. Lenders and suppliers view high credit scores as a sign that your business is responsible and trustworthy.

Pathward has been named to Monitor’s Bank 50 ranking. The list honors the top banks in equipment leasing and finance in the U.S. Holding spot #29 on the list, up from the #31 spot in 2023, Pathward was recognized for its ongoing commitment to providing high-quality, diverse equipment financing products and services.

Pathward®, N.A. (Pathward), has announced its expanded strategic partnership with BridgePeak Energy Capital to implement a digital-first renewables loan platform. Together, the partnership between Pathward and BridgePeak will facilitate industry innovation and the continued growth of clean energy and rural economic development.

Cash flow is the lifeblood that keeps businesses moving. While turning profit is undeniably important, tracking, analyzing, and optimizing the inflow/outflow of cash is the balancing act to help position your business to meet its obligations, weather unexpected challenges, and seize growth opportunities.

These days, your business needs to make quick, strategic decisions. But to do that, you need a clear view of your present and future financial landscape. That’s where cash flow forecasting comes in, a process that maps out future money inflows and outflows to help you see what’s coming, anticipate challenges, and keep your business plan on track.

Cash flow oxygenates your business. It’s key for every facet of daily operations, from investing in growth opportunities to maintaining financial health. Here are five reasons cash flow is essential for your business’s success.

In 2004, we embarked on a mission to transform the payments industry. Our vision began with the launch of our first prepaid program—a solution that laid the groundwork for what would become hundreds of partnerships with banks, fintechs, and financial service companies. What started as a single program soon grew into a much broader endeavor, driven by the changing needs of our partners and the rapid evolution of the payments industry.

Pathward's President Anthony Sharett recently spoke with Kiah Lau Haslett, Banking and Fintech Editor of Bank Director and its fintech resource, FinXTech.

Pathward®, N.A. is pleased to celebrate Certification Nation Day today, along with the community of Great Place to Work-Certified™ companies across the country. Great Place to Work® has designated Oct. 16 as Certification Nation Day this year to honor and acknowledge companies working to create great places to work for all.

Pathward®, N.A. has served as agent for $146.5 million in construction loans to support the sponsor’s acquisition and construction of six battery energy storage system (BESS) projects in Cameron County, Texas.

Three industry advisors provide their insight and discuss the challenges, optimism, and opportunities businesses face in today’s market.

Financial education at an early age can help young people lower debt, increase savings, and increase credit scores as they mature into adulthood, according to the FDIC. To help youth in the Tampa Bay area start off on the right path, NFL running back Rachaad White is promoting financial literacy in partnership with Pathward®, N.A. a U.S.-based financial empowerment company driven by its purpose to power financial inclusion, Big Brothers Big Sisters of Tampa Bay and Webb Middle School.

Pathward Financial, Inc. through its subsidiary, Pathward®, N.A., announced the Bank’s Partner Solutions line of business won the 2024 Finovate Award for Best Banking as a Service Provider. According to Finovate, its awards recognize the companies driving fintech innovation forward and the individuals bringing new ideas to life.

Pathward®, N.A., a pioneer in partner banking, celebrates its 20th year serving the payments industry with the announcement it is renaming its “Banking as a Service” business line to “Partner Solutions.” The new name is a testament to Pathward’s dedication to partnership and time-tested ability to collaborate on solutions with partners.

Listen to out Community Connections webinar moderated by Dustan Lehner, Account Relationship Manager at Pathward and hear how they foster relationships with customers and local businesses.

Pathward®, N.A. (“Pathward”), one of the nation’s leading financial empowerment companies driven by its purpose to power financial inclusion, today announced that Brittany Kelley, Vice President of Solutions for Financial Institutions, has been named to American Banker’s 2024 list of The Most Influential Women in Payments: Next.

Pathward's Divisional President of Banking as a Service Will Sowell connected with Rachel Koning Beals, senior editor at BAI to discuss Pathward’s evolution, industry trends and Pathward’s new offerings for financial institutions.

Pathward®, N.A. (“Bank” or “Pathward”), announced the Bank and MoneyLion (NYSE: ML), a digital ecosystem for consumer finance, have committed to an additional three years of partnership, extending their agreement until 2029. Pathward and MoneyLion first joined forces in 2020, and the most notable product born from the partnership is RoarMoneySM, a Demand Deposit Account offered through MoneyLion’s mobile application.

Pathward's Divisional President of Banking as a Service Will Sowell penned an article published by The Financial Revolutionist. In the article, Sowell highlights data gathered from Pathward’s own research on embedded finance — the integration of financial services into non-financial offerings.

Pathward's Senior Vice President of Product Management Suhas Reddy spoke at finzpire 3.0, an event where professionals came together to shape the future of banking. During the event, Reddy joined Finzly CEO Booshan Rengachari on stage for a discussion on Smarter, Faster, Better Transformation at Banks.

The International Customer Management Institute has announced the finalists of its 2024 ICMI Global Contact Center Awards, and Pathward®, N.A. is one of four finalists named in the Best Medium Contact Center category.

Finovate has announced the finalists of its 2024 FinovateAwards, and Pathward®, N.A. is one of five finalists named in the Best Banking-as-a-Service (BaaS) Provider category. According to Finovate, the awards recognize the companies driving fintech innovation forward and the individuals bringing new ideas to life.

Pathward's President Anthony Sharett spoke with Evan Sparks, editor-in-chief of the ABA Banking Journal, as well as host of the publication’s podcast.

Pathward's Senior Vice President of Business Development and Product Strategy for Banking as a Service Aleksandra Teichman spoke with Timmy Nafso, Executive Vice President and Co-founder of Fortis and host of Fortis’ Embedded podcast. During the interview, Teichman talked about her career and how it led her to her current role at Pathward.

Monitor, a magazine focused on Equipment Finance, has once again named Pathward®, N.A. to its annual Monitor 100 ranking. According to the publisher, the list celebrates the secured finance businesses that continue to innovate and prosper by capitalizing on the opportunities within the industry.

Take time out to listen and learn from the experts as you evaluate your embedded finance strategy. Hear their perspectives on navigating market entry, partnerships and future trends.

USDA loans fund business expansion, equipment, real estate, renewable energy, and more. In this article, we break down key need-to-knows about USDA REAP and B&I financing – eligibility, loan purposes and requirements, applications, and loan terms.

Pathward's President Anthony Sharett spoke with Peter Renton, chairman and co-founder of Fintech Nexus and host of the Fintech One-on-One Podcast.

- Pathward®, N.A., one of the nation’s leading financial empowerment companies driven by its purpose to power financial inclusion, today announced that Shannon Stetson, a managing director of business development for the Commercial Finance business line, has been named to the 2024 list of Secured Finance Network’s (SFNet’s) 40 Under 40.

Pathward®, N.A., a national bank with 20 years of payments experience, announced the results of its research on executive perspectives on embedded finance – the integration of financial services into non-financial offerings.

The Network of Women (NOW) Employee Resource Group (ERG) at Pathward®, N.A. announced the winner of its 2024 Empowering Women Award winner, and this year’s recipient is Kelly Neubecker. Neubecker is Vice President, Senior Legal Counsel and has been with the organization since 2007.

Pathward®, N.A., one of the nation’s leading financial empowerment companies, today announced the expansion and transformation of its suite of offerings for financial institutions.

Pathward's Senior Vice President of Product Management Suhas Reddy spoke with the team at LogRocket to discuss his career and how his “experience laid a robust foundation for his current role at Pathward

The Small Business Administration (SBA) delivered over $52.4 billion in capital, disaster relief, and bonding to businesses and communities in FY ’23, and serves a vital role in funding small businesses and budding entrepreneurs through its loan programs. When evaluating this financing option, it is important to know what an SBA loan is, its diverse applications, how to apply for one, and the pros and cons of them in the marketplace.

Pathward Financial, Inc. is one of only 18 high-performing banks to make the list. Specialists in Financial Services, Keefe, Bruyette & Woods, Inc. (also known as “KBW”), announced its 2024 Bank Honor Roll Award winners in a news release published April 30.

Pathward®, N.A., one of the nation’s leading financial empowerment companies, today released its 2023 Sustainability Report. The report highlights Pathward’s environmental, social, and governance efforts throughout fiscal year 2023, ending Sept. 30, 2023.

Pathward®, N.A. announced its 2023 Volunteer of the Year, and this year’s winner is Chrystal Alvey.

When Evome Medical Technologies Inc., formerly Salona Global Medical Device Corporation, set out to expand its business model three years ago, the company turned to Pathward®, N.A., which was known as Crestmark at the time.

Listen to our Building Horizontal Capabilities podcast moderated by Jeremy Kuiper to learn how companies have adopted this strategy and why culture is so important to success.

Pathward®, N.A., one of the nation’s leading financial empowerment companies driven by its purpose to power financial inclusion, is pleased to be Certified™ by Great Place To Work® for the second year in a row.

Pathward®, N.A. announced today that Nacha named it one of the Top 50 financial institution originators and receivers of ACH payments in the country.

To gain more helpful insights into navigating today’s environment, listen to an expert panel on our webinar on Culture of Compliance.

Senior Vice President of Risk, Process and Performance for Pathward’s Banking as a Service business line Earns Recognition as One of the Financial Services Industry’s Top-Performing Senior Executives

Pathward releases the “Small Business Credit Habits and Needs” report, which found that while one in three small businesses have struggled with cash flow in the changing economy, 70% consider themselves to be in growth mode.

Pathward®, N.A. completed a Small Business Credit Habits and Needs survey of 1,000 small business owners and executive decision makers to understand the state of small businesses and their financing habits and awareness.

Ouro and Pathward®, N.A., today announced a multi-year extension to their longstanding partnership.

Finix, the payments technology provider enabling businesses to accept and send payments online or in-person, announced today the launch of Payouts, its latest standalone product line.

Cliq is excited to announce a significant new partnership with Pathward®, N.A, signaling a new era in our payroll and expense issuing solutions.

Pathward employees gave back through volunteer events across the country during the first full week of November.

Pathward® is proud to celebrate Certification Nation Day today, along with the community of Great Place to Work-Certified™ companies across the country.

TabaPay partnership to enhance Pathward’s suite of faster payments solutions to empower fintech firms, merchants, and platforms with faster payments nationwide

Today’s remote work conversation revolves around return-to-office mandates. Many executives are either planning for employees to return full time to the office – or have already instituted a full return. Pathward’s CEO Brett Pharr shares his views on Pathward’s sustained commitment to remote-first employment.

Arizona Capitol Times named Pathward’s President Anthony Sharett as a power player on its 2023 list of banking and finance leaders.

Pathward Financial, Inc. announced that Greg Sigrist has been appointed executive vice president (“EVP”), chief financial officer (“CFO”) - designee, beginning Nov. 1, 2023.

Pathward’s Will Sowell and Phil Ricci spoke with the team at CardRates.com to discuss our purpose, the company’s transformation from a local bank to an industry supplier, and how our role in the Banking as a Service environment is driving financial inclusion.

Harbison, Pathward’s Director of Diversity, Equity, Inclusion and Community Impact, is among the winners of the inaugural American Bankers Association DEI Awards

At the 2023 Midwest Acquirers Association conference, industry experts shared insights on the evolving challenges faced by sponsor banks.

Pathward Financial, Inc. (“Pathward Financial” or the “Company”) (Nasdaq: CASH), a U.S.-based financial holding company driven by its purpose to power financial inclusion, today commemorates the conclusion of a transformative 12-months, which has been marked by a series of pivotal business developments.

Pathward’s Anthony Sharett spoke with Lou Carlozo, host of the Bankadelic podcast, to discuss our renewed purpose, rebranding and our bank’s historical evolution, and how we approach partnership and differentiation in the Banking as a Service environment.

The extended partnership will enable real-time disbursements to end-consumers through SpendIT SendIT, the cutting-edge solution that allows consumers to use or transfer disbursed funds to their personal accounts.

2022 report reaffirms commitment and outlines progress toward key ESG objectives, including efforts to achieve company’s long-standing purpose of advancing "Financial Inclusion for All™"

Powered by national banking partner Pathward®, N.A., Clair enables companies to offer unique employee benefits, improving financial health amid worker shortage

In 2022, renewable natural gas (RNG) developer, Avolta, sought a funding partner to build facilities at two dairy farms in Arizona that would turn cow manure into RNG.

Pathward®, N.A., a national bank driven by its purpose to power financial inclusion, is adding a new line of credit to open access for credit challenged consumers.

Community banks and financial institutions (FIs) can increase revenue, deposits, and customers by offering banking as a service (BaaS) relationships.

Finix announced its launch as a payments processor. As a processor, Finix is directly connected to all major U.S. card networks—American Express, Discover, Mastercard, and Visa.

Pathward®, N.A. is pleased to announce its president, Anthony Sharett, has earned recognition from the Phoenix Business Journal as one of the 2023 Most Admired Leaders in the Phoenix Metro area.

Pathward has selected Scott Elkins, Vice President of our Financial Intelligence Unit, as its 2022 Volunteer of the Year.

President Anthony Sharett is quoted in an article by CCG Catalyst that promotes the urgent need for financial institutions to transform for the future.

Pathward®, N.A. is proud to be Certified™ by Great Place to Work® for the first time. The prestigious award is based entirely on what current employees say about their experience working at Pathward.

Secured Finance Network profiled women in the industry who stand out from the crowd in this month’s issue of the association’s magazine, The Secured Lender.

Pathward CEO Brett Pharr spoke with Tearsheet Founder and Editor-in-Chief Zack Miller, who hosts a podcast where he interviews top thought leaders, executives, entrepreneurs and technologists actively making the future of finance a reality -- today.

Pathward President Anthony Sharett spoke with Innovative Payments Association’s Chief Operations Officer Ben Jackson, who hosts a podcast published on the association’s website.

The U.S. Department of Agriculture recognized Pathward, formerly known as Crestmark, as the No. 1 national lender for rural development projects for Fiscal Year 2021.

VizyPay CEO and Founder Austin Mac Nab recently published an article on Forbes.com to highlight the role of purpose for fintechs. In the article, Mac Nab even provides guidance for companies that want to make purpose a part of their DNA.

Augustana is excited to announce that the university will launch a new academic program, Augustana University Fintech Program by Pathward™, beginning in Fall 2023.

Pathward recognized October as National Women’s Small Business Month, which celebrates women-owned businesses and their lasting impact on the economy.

Pathward President Anthony Sharett recently spoke with Bryan Yurcan, who writes for The Financial Brand.

Employees celebrated becoming Pathward as the company launched its new brand identity and website.

Pathward recognizes November as Native American Heritage Month, during which we celebrate the rich and diverse cultures, traditions, and histories and acknowledge the important contributions of Native people.

Building a purpose driven organization is being put to the test. Almost all senior executives surveyed reported difficulty focusing on their company’s official purpose while reacting to macroeconomic factors like inflation, supply chain issues, labor shortages, and a potential economic downturn.

Survey: The Role of Purpose in the Fintech Industry

Survey: A majority of senior fintech executives report difficulty focusing on their company’s official purpose while reacting to macroeconomic factors like inflation, supply chain issues, labor shortages, and a potential economic downturn.

Powered by Propel’s industry-leading, proprietary fintech platform, Pathward will provide credit solutions through this LaaS capability through its partners. In line with Propel and Pathward’s shared mission of financial inclusion, these credit products will be offered through a seamless online integration into the Propel platform.

The American Bankers Association Foundation named Pathward™, N.A., formerly known as MetaBank®, N.A., a winner of its 2022 Community Commitment Award.

Anthony Sharett, President of Pathward, N.A., was featured in the Phoenix Business Journal. In the article, he shared his views on the company’s big brand changes.

New corporate brand underscores company’s commitment to paving paths to financial inclusion for all.

Senior Vice President of Partner Services and Delivery, Nancy Schempp, has been named to American Banker's 2022 list of The Most Influential Women in Payments.

Pathward President Anthony Sharett was interviewed by Bloomberg Black Business Beat about the company’s brand transition.

Asset based lending and factoring provide the same service for financing but in different ways. Learn more about Pathward's factoring lending solutions.  

There are two types of equipment leases factoring receivable companies your business can use to buy equipment: those that use fair market value and those that have dollar buyout leases. Learn everything you need to know to make the best decision for your company.