Southside Bank in Tyler TX and obtaining a business loan

January 24th, 2011

Southside Bank is considered to be the most convenient bank in Tyler TX because they are in just about every grocery store in town and they are scattered throughout the city in several much larger facilities. Their recent billboard campaigns encourage you to use them for family loans for things like vacations and old antique cars. I have tried getting a loan for an antique car before and let me tell you if you want to see a bank loan officer give you a blank stare just ask the question about a loan for an antique car, very few know if this type of loan is even possible accept for the uber wealthy.

Southside Bank Locations in Tyler and Phone Numbers

1201 South Beckham Avenue, Tyler – (903) 526-8682
6201 South Broadway Avenue, Tyler – (903) 581-9773
113 N Northwest Loop 323, Tyler – (903) 535-4463

Southside Bank has been around Tyler TX for some time and most who have lived here for awhile have noticed how well they have spread themselves out over the city.

They have not only created large brand new facilities going out as far as Lindale TX but they have gotten into almost every Brookshires grocery store in town as well.

Southside Bank also happens to be in the SuperOne food Store on Hwy 110. When visiting the Southside Bank website it looks a little old school when logging into their online banking but the functionality is all there.

I have been pleased with the online banking this far as I can easily check my bank account on my computer or iphone. I have made transfers between accounts through their online system on my phone as well.

When talking about loans with Southside Bank I have had great conversations with one loan officer there while another one sort of gave me as little information as possible.

As you can imagine banks get asked by thousands of people a year for loans and many of these people simply have no credit and have done no research in regards to a business plan or how a business idea may succeed.

When you walk into Southside Bank asking for a loan you need to come with an easily understood business plan. Although it is good to have a complete business plan with figures to back it up a loan officer will usually glance over one page that outlines what it is you want to do and make their mind up for there.

A trick to getting a loan for a business idea is to visit 100 banks if you have to. Tweak and redefine your business plan and make it easy to read. Be a pleasant person to talk to and don’t come across as begging the loan officer.

One last few bits of advice is to attempt ahead of time to establish some kind of business credit.

There used to be the things called pass book checking accounts in the old days but these are no more. The pass book account allowed businesses to slowly build up credit.

A better way to build up business credit is to buy a CD (Certificate of Deposit) at the bank you are trying establish a reputation at and take a loan out on that CD.

Pay the CD off over a few years time and never be late in making your payments on that loan. Once your business loan is paid off you will have a better credit score to use in getting that business loan.

Also try opening up a cell phone business account using your tax id as this will assist in building business credit. Go out to mint.com and find a good low interest business credit card and apply for that as well. By having the credit card, bank loan, and cell phone account you will be establishing credit using 3 different business accounts, just don’t be late on your payments.

If you haven’t already you will need to setup an LLC which will allow you to get a tax id to establish credit on. Rather than building up credit on your personal social security number you need to build up business credit. Go out to legalzoom.com and they can automate much of the tasks involved in setting up a new Limited Liability Company. You will get a tax id that you can use to open up a business banking account.

Be sure to buy that CD and take a loan out on that CD using your business tax id number and not your social security number so that you are building business credit and not personal credit.

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Brookshires Grocery Store

February 8th, 2010

Brookshires in Tyler Texas

100 Rice Road
Tyler
903 561 7943

This family-friendly Christian owned and operated grocery store in the center of the popular shopping area in Tyler is a delight to shop at.

As you walk into the store you will be surprised at the quality and variety of fruit and vegetables on sale. Much of the produce available is organic and grown locally too. Look out for samples of their seasonal items.

Brookshires Grocery Store

Before you start to shop you might want to treat yourself to a gourmet coffee – sold just inside the door on the left at the coffee bar. You will notice that there are many who take advantage of the little cafe area there too. If you have time you could stop and drink your coffee while you look at the weekly paper containing details of the latest special offers at Brookshires. Of particular note is the meat section -they have the most amazing deals on particular cuts of meat and these offers change weekly.

Continue on through the store stopping perhaps at the excellent delicatessen or the bakery section where you can buy delicious breads of all sorts of types and containing healthy grains, baked in store. The meat section is very good too and the seafood is one of the best in a supermarket around here.

As for the rest of the store – it is clearly laid out and you will find all sorts of goodies here that you won’t see at Walmart.

Brookshires tries to cater for all palates and budgets and this is reflected in the choice available. ‘Food Club’ is their own brand of goods. If you come from ‘out of town’ like me then be sure to look for the International section where you can buy various familiar food items from Europe. There is also a significant Asian and Mexican section.

The food at Brookshires is slightly more pricey than at Walmart – though the special offers favor comparably. However, the shopping experience is so much nicer and the variety of goods they stock is amazing for East Texas. I have to add that the customer care is second to none – all the staff are so helpful and attentive to your needs. They make you feel valued and important here.

Don’t forget there is a bank instore, a photo shop and an excellent pharmacy, where you can make use of $4 generic prescriptions. There is even a drive-thru pick-up service.

One quick word about prices – there is a dual pricing system – one for the regular shopper and the other for visitors. If you plan to shop at Brookshires more than once, get yourself a ‘Thank you card’ by applying at the cash register or customer services. This means that you qualify for the lower prices and special offers. Don’t worry, they won’t bombard you with junk mail and they won’t give your personal details to any other company. You must present this card when checking out to receive the lower prices.

As you leave the store, enjoy the chance to have your bags packed for you (you can request brown bags rather than plastic or use our own and receive 5c back for each one used). Your cart will then be loaded and your shopping placed in your car for you. Don’t even think about tipping for this – it is all part of the everyday service at Brookshires.

One other thing to note – kids are welcomed at Brookshires. There are mini shopping carts for kid’s use and at the bakery they will happily offer your child a free cookie (while you drool over the amazing cakes on sale).
Altogether a nice experience – shopping at Brookshires in Rice Road is to be recommended.

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Brookshires Super-market

January 8th, 2010

When considering great Tyler businesses it’s difficult to pass over the Brookshire’s grocery stores. The Brookshire’s stores have very nearly achieved iconic status by establishing a near monopoly in the East Texas area. Admittedly this feat allows the store to charge essentially what it wants for its products. Brookshire’s prices are not sky high, but neither are they exactly a bargain.

The Brookshire’s thank you cards entitle the patrons to special deals but in reality the discount merely drops the prices to approximately the same level as the store’s competitors. The arrival of numerous Wal-Mart Supercenters in Tyler has served to provide some much needed competition, but the grocer continues to compete successfully even with the higher prices, owing to the fact that their customer service is so legendary. On top of that their stores are generally cleaner, more attractive and better organized than their national counterpart.

The crown jewel in the Brookshire’s chain is the Rice road location in Tyler. Its part produce market, part butcher shop, part delicatessen, and part lunch counter. I should also be careful not to forget the bakery, or coffee shop (which actually serves great coffee). Over the last couple of years the store has evolved into its own food court. It’s like an old fashioned market with modern conveniences.

The food the store carries ranges from that typically found in your average grocery store, to all sorts of specialty foods like sushi, tofu and an assortment of sea food. The Rice road store is really a great market and is essentially Brookshire’s answer to the Wal-Mart Supercenter with the added convenience of the local chain’s service.

While it seems odd to think of grabbing lunch or take out from a grocery store this one is definitely worthy of that consideration. And if it’s a choice between the national and the local chains, I suggest sticking with the latter, at least when it’s reasonable to do so. After all, it’s better for the local economy.

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Brookshires Grocery Store

September 2nd, 2009

Brookshire’s, Tyler, TX(Located on Broadway and Rice just south of the Loop)

10 out of 10 Stars – Rate Brookshires Grocery

Besides basic Tyler grocery store needs, this Brookshire’s has some attributes that some may not know about. Some specialty areas which are located on west part of the store include: A Coffee Bar/Shop, a Chinese Restaurant, a Sushi Bar, a Deli Counter, an Olive Bar, and a Salad Bar. Having these extras available in a neighborhood grocery store is rare and at least one can be utilized by most any customer. My favorite part of the store is Brookshire’s Sushi Bar. It has an excellent selection of basic sushi trays at a good price. Another advantage of the sushi bar is the convenience for those who are on a limited budget and maybe even limited time if you should be craving sushi. Since the store is open for 24 hours, the sushi trays are also available for those operating hours. However, one should keep in mind that because the sushi is made during the early part of the day and the actual sushi bar is only open until late evening, the later in the evening, the less chance of finding the variety one might desire.

Tags: Attributes, Broadway, Brookshires Customer Reviews, Brookshires Grocery, Brookshires Grocery Store, Brookshires Tyler Texas, Budget, Chinese Restaurant, Coffee Bar, Convenience, Late Evening, Limited Time, Loop 10, Neighborhood Grocery Store, Operating Hours, Salad Bar, Stars, Sushi Bar, Sushi Trays
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