Understanding Business Financial Statements

Strong financial management begins with understanding your numbers. Join us for Fulton Bank Series: Understanding Business Financial Statements—a free session designed to help business owners read, interpret and apply financial data with confidence.

In this workshop, you’ll:

• Learn how to read balance sheets, income statements and cash flow statements
• Gain insights into what lenders look for in financials when evaluating loan applications
• Discover how financial statements can guide smarter decision-making and long-term growth

Whether you’re preparing to apply for capital or simply want a clearer picture of your business performance, this session will give you the tools to take control of your financial future.

Join Rosa Scharf, Senior SBA Relationship Manager at Fulton Bank, who brings over 30 years of experience in SBA lending and small business advocacy. Rosa will share practical tips, real-world examples and the foundational knowledge you need to confidently approach your business finances.

This workshop is designed for entrepreneurs at all stages—whether you’re preparing a loan application or simply want to strengthen your financial roadmap.

Know what’s Happening Next — before everyone else does.

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Host or Publisher Howard County Economic Development Authority