4 Common Cash Flow Disruptions in Small Businesses (and How to Solve Them)
Source: CO - By U.S. Chamber, Jodi Helmer , Contributor
Cash flow disruptions are widespread and persistent for small businesses, but strategies like digital invoicing, cost control, and cash forecasting can help optimize cash flow.
SaveCash flow disruptions affect 88% of small businesses, but fewer than one-third are taking steps like tracking expenses, streamlining payroll, or digital automation to address them. The problem is both widespread and persistent, according to Jameson Troutman, Head of Product for Small Business at JPMorgan Chase.
“Cash flow is really critical for small business,” he said. “It is foundational to running the business.”
Here are four strategies small businesses can use to optimize cash flow.
1. Streamline customer payments
Small businesses are often waiting on money that should already be in the bank. A QuickBooks survey found that 56% of small businesses are waiting on cash from unpaid invoices and almost half were 30-plus days overdue.
For small businesses with limited cash reserves, even short payment delays can cause a ripple effect. Using digital invoicing and real-time payment tools can accelerate revenue collection.
Accepting multiple forms of payment allows small businesses to balance instant payments with those that take longer to reconcile, said Brian Clarke, Payments Analyst and Deputy Director in the Regional and Community Outreach Department at Federal Reserve Bank of Boston.
2. Change payment terms
Asking suppliers to extend payment timelines from net-30 to net-45 or net-60 terms can help avoid a cash crunch. Asking for early payment discounts when cash flow allows can also offer cost savings.
Troutman believes that building strong relationships with suppliers can open the door to negotiating better terms in exchange for faster payments or other concessions, adding, “It allows you to have a relationship-based discussion verses a transactional discussion.”
Small businesses that shrink their payment terms can also improve cash flow. QuickBooks found that 40% of small businesses that expected payment upon receipt experienced cash flow issues, compared to 60% of small businesses that offered 90-day payment terms.
3. Control costs
Keeping costs in check can leave more cash in the bank. Renegotiating a lease, switching to a more affordable supplier or lowering other fixed costs can optimize cash flow. Cuts should be strategic: Instead of cutting whole categories of spending, Troutman advises scaling back.
“You don't want to shut off marketing for a quarter [because] it could impact your potential growth but maybe you turn off one marketing channel,” he said. “It's about altering your strategy versus trying to completely turn it off.”
4. Plan for big investments
It’s no secret that large expenses can throw cash flow out of balance. Cash forecasting helps small businesses understand when there are likely to be surpluses or shortages of cash to better plan for equipment upgrades or other major expenses.
“Those types of decisions around when you make some of those bigger capital investments are also areas that small businesses will lever to manage cash flow,” Troutman said.
Delaying an investment until revenue is steady can ensure there is enough capital to cover the expense without putting the business into a cash flow crisis.
With the right mix of digital tools, expense strategies, and strong relationships, small businesses can optimize cash flow and stay focused on growth.
CO— aims to bring you inspiration from leading respected experts. However, before making any business decision, you should consult a professional who can advise you based on your individual situation.
CO—is committed to helping you start, run and grow your small business. Learn more about the benefits of small business membership in the U.S. Chamber of Commerce, here.
Your Business Can’t Outgrow You: The Hardest Truth in Entrepreneurship
Source: Chamber Today
- The ceiling on your company’s growth is often the founder’s own capacity to lead.
- The habits that built early success can later hold a business back.
- Growth requires personal transformation and outside support, not just better strategy.
- Every entrepreneur needs a plan for their own leadership development — not just their company’s.
652 Words ~ 3.5 min. read
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Every entrepreneur dreams of scaling their business. Few realize that the biggest obstacle to that growth might be staring back at them in the mirror.
At some point, every business plateaus. Sales level off. Teams lose focus. What used to work suddenly stops producing results. The instinct is to look outward and blame the market, the economy, or the team. But more often than not, the real problem is not external. It is you.
The Mirror Moment
In the early stages, control feels like survival. Founders make every decision, close every sale, and solve every problem. Their fingerprints are on everything, and that intensity fuels early momentum.
Then growth happens. The team expands. Complexity increases. What once worked begins to break. The same control that built the business becomes the very thing that holds it back.
This is the mirror moment, when a leader realizes the business cannot grow beyond their current capacity. If you struggle to delegate, your team cannot move quickly. If you fail to communicate clearly, your people cannot act decisively. If every decision still runs through you, your company cannot scale beyond your personal bandwidth.
It is not a question of effort. It is a question of evolution. The business has grown, but the leader has not yet grown with it.
From Founder to CEO
The hardest shift in entrepreneurship is learning to stop doing and start leading. That transition requires new skills such as trust, communication, accountability, and patience. It also requires courage to let others succeed without your constant involvement.
True leadership is measured not by how much you control but by how much you empower. It is about creating systems that can thrive without you in the middle of every decision. The question changes from “How can I do this faster?” to “Who can take this further than I can?”
Founders who make this leap understand that control is an illusion. Growth only becomes sustainable when leadership is shared instead of centralized.
The Leadership Ceiling
Every company has a leadership ceiling, a limit set by the founder’s mindset, habits, and ability to handle complexity. When leaders stop growing, so does the business.
The best entrepreneurs recognize that ceiling early. They seek mentorship, invest in their leadership skills, and build teams that complement their weaknesses. They replace pride with curiosity and ask a powerful question: “What version of me does this company need next?”
Personal growth is the only way to raise the ceiling. The more a leader develops self-awareness, emotional intelligence, and strategic perspective, the higher the organization can climb.
The Bottom Line
The hardest truth in entrepreneurship is simple. Your business will only grow as much as you do.
If you are feeling stuck, do not just adjust your strategy — invest in your own development.
- Join a local leadership program to strengthen your skills and expand your network.
- Consider participating in a mastermind group where you can learn from other high-performing business owners who face similar challenges.
- Hire a business coach who can help you see blind spots, refine your decision-making, and stay accountable to your goals.
Every business reaches a point where its biggest bottleneck is the person who built it. The difference between staying there or breaking through depends on your willingness to grow.
The Chamber is here to help you do that — not just as a business owner, but as a leader who shapes the future of your company and your community.
The next level of your business starts with the next level of you.
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The Columbia Montour Chamber of Commerce is a private non-profit organization that aims to support the growth and development of local businesses and our regional economy. We strive to create content that not only educates but also fosters a sense of connection and collaboration among our readers. Join us as we explore topics such as economic development, networking opportunities, upcoming events, and success stories from our vibrant community. Our resources provide insights, advice, and news that are relevant to business owners, entrepreneurs, and community members alike. The Chamber has been granted license to publish this content provided by Chamber Today, a service of ChamberThink Strategies LLC.
Wicked Good Cleaners, LLC – New Member Highlight
Wicked Good Cleaners brings high quality, professional cleaning services, delivering exceptional results with attention to detail and customer satisfaction. Equipped with advanced tools, eco-friendly products, and trained experts, they ensure a thorough, reliable clean tailored to your specific needs. Whether routine cleaning services, carpet cleaning or tile and grout cleaning, their team upholds the highest standards of professionalism to create a spotless, healthy environment that exceeds expectations. You can trust them for consistent, top-tier service that keeps your space pristine and inviting. Member News ~ November 6, 2025
2025-2026 Chamber Directories Are Now Available!
Single copies of the 2025-2026 Chamber directories are included in this month's edition of ChamberPack. If you would like more copies for your staff, waiting rooms, or customers, email Kyra McKinnon, Events & Marketing Coordinator, with your desired amount.
Mark Giesen Coordinates Successful Event and Shifts Gears to Upcoming Veterans Day Event - November 7th
On October 2nd, individual member Mark Giesen helped to coordinate a successful Teen Inspire event that brought together 43 Danville High School juniors and 23 mentors, including Chamber President Chris Berleth. The day included inspirational presentations, new connections, and swag bags complete with gratitude journals. Mark has now shifted his coordination skills to a Veterans Community Day happening at the Danville Area Community Center on Nov. 7, 10AM–2PM featuring a dozen vendors including the VA, CareerLink, The Link, lawmakers, and veteran retreat and recreation organizations. For More information about the Veterans Community Day you can reach out to Mark at mlawrencegiesen@gmail.com.
Villager Realty Donates $250,000 to Support Southside Fire Company
Villager Realty of Danville has announced a generous $250,000 donation to the Southside Fire Company, helping the department retire its debt on Engine 73 and establish a fund for the eventual purchase of a new replacement tanker. Click here to read on.
Folk/Americana Artist Charly Lowry to Perform at Weis Center - November 13th
The Weis Center for the Performing Arts will welcome Charly Lowry on Thursday, November 13 at 7:30 p.m. at the Weis Center. For more information about this event, contact Lisa Leighton, marketing and outreach director, at 570-577-3727 or by e-mail at lisa.leighton@bucknell.edu. For more information about the Weis Center for the Performing Arts, go to Bucknell.edu/WeisCenter or search for the Weis Center on Instagram, Facebook, or YouTube.
DBI and The Bloomsburg Public Library Host Holiday Train Rides Sponsored by Service 1st Federal Credit Union
Join the annual North Pole Express Train Rides courtesy of Downtown Bloomsburg, Inc. and the Bloomsburg Public Library on Saturday, November 29 and Sunday, November 30. Tickets are available online and in person at the library, but be sure to book early, as rides sell out. This event is sponsored by Service 1st Federal Credit Union to support the community and spread holiday cheer.
Zartman Construction Celebrates Award
Congratulations to Zartman Construction Inc. on being awarded the Governor’s Award for Safety Excellence this year!
Bloomsburg Children's Museum Announces November Programs
The Bloomsburg Children’s Museum (2 West 7th Street) is pleased to announce its programs for November 2025. The Bloomsburg Children’s Museum will be closed on November 27th and 28th. For more information about these and additional programs, click here or visit the-childrens-museum.org
Montour Preserve Watercraft Concessionaire Request for Proposals - November 20th
The Montour Area Recreation Commission is seeking a concessionaire to offer unpowered watercraft for rental to the public at the Montour Preserve. The concessionaire may also offer for rent or sale fishing, boating, and picnic supplies as deemed appropriate by MARC. Proposals will be received by MARC at any time until 12 PM on Thursday, November 20, 2025. Proposals will be reviewed by MARC staff and presented to MARC’s Board for consideration during MARC’s meeting on Monday, November 24, 2025. Proposals are to be submitted by email to RStoudt@MontourRec.com or by mail to: MARC | PO Box 456, Danville, PA 17821.
Did You Miss Last Week's Member News? Here's News That's Still Timely:
DBI and the Bloomsburg Fire Department Present Annual Veterans Day Parade - November 8th
Join Downtown Bloomsburg, Inc. and the Bloomsburg Fire Department for the Annual Veterans Day Parade on Saturday, November 8th at 10:00 AM. The route will travel down Main Street to Market Street, ending at the Bloomsburg Fire Hall, where a short program and community meal will follow. Come out to honor our veterans and show your support! Click here for more event details.
Sponsler Park Ribbon Cutting & Community Celebration - November 8
Join the Borough of Berwick and the Columbia Montour Chamber of Commerce for a Ribbon Cutting Ceremony at Sponsler Park on Saturday, November 8, from 12:00-2:00 PM celebrating the park’s new accessible upgrades. The event will feature live music by Dan Hess, food and coffee trucks, and participation from local nonprofits. Enjoy a family-friendly afternoon with free hotdogs, popcorn, and fun activities as the community celebrates this exciting transformation in Berwick’s West End. Read on.
Millville Area School District’s Agriculture and Engineering Programs Host 5K - November 8th
The Cultivate and Innovate 5K Race for CTE, hosted by Millville Area School District’s Agriculture and Engineering programs, will take place on Saturday, November 8, 2025, at 9 AM at the Bloomsburg Area Recreational Trail (behind the high school). The event brings together students, educators, and community members for a fun and active morning celebrating career and technical education. Participants can enjoy a scenic run or walk while supporting programs that prepare students for careers in agriculture, technology, and skilled trades. Click here to register. Click here for more information on how to support.
Are you planning an event for the United States' 250th anniversary?
The year 2026 marks the 250th anniversary of the United States of America, and the Chamber is proud to be part of the Columbia and Montour Counties America 250th planning committee. We’re calling on local organizations to share their plans for celebrations and events. If your organization is planning an activity, please contact Beth Goldman at gold1beth@gmail.com, Co-Chair of the Columbia Montour County America 250th Committee. Stay tuned for more details as our community prepares to celebrate this historic milestone!
7 Skills Employees Need to Have – Both with AI and IRL
Source: McKonly & Asbury
As artificial intelligence becomes a permanent fixture in the workplace, it’s reshaping – not replacing – how people work. Automation and generative AI are accelerating productivity, but they also spotlight the skills machines can’t replicate. For HR and L&D leaders, a workforce that balances digital fluency with soft skills is a competitive advantage.
Here are seven must-have skills that help employees stay effective in the age of AI and in real life.
1. Critical Thinking and Problem-Solving
AI can analyze data and suggest solutions, but it can’t weigh trade-offs or solve unstructured problems. Critical thinking helps employees evaluate AI output, identify risks, and adapt strategies when conditions change.
According to the World Economic Forum, analytical thinking is one of the top skills in demand through 2027. As more workflows become AI-driven, employees need to question assumptions, assess context, and make decisions that go beyond algorithms.
2. Adaptability and Continuous Learning
Technology moves fast, so people need to move faster. The rise of AI has made reskilling and upskilling core to employee development. Workers who embrace new tools and shift mindsets quickly can stay ahead of evolving demands.
This kind of adaptability goes beyond software. You and your teams need to be open to change and comfortable with ambiguity. A skills-based approach to learning helps organizations develop people for what’s next.
To support adaptability:
- Introduce microlearning content employees can access on demand.
- Offer AI literacy training across all departments, not just IT.
- Encourage peer-led knowledge sharing and reverse mentoring.
- Recognize employees who model a growth mindset during change.
3. Creativity and Innovation
AI can generate content, do research, make images, and compose music, but it can’t originate truly new ideas. Creativity remains a uniquely human strength. Employees who combine curiosity, experimentation, and strategic thinking will continue to drive innovation.
4. Emotional Intelligence and Empathy
AI can simulate conversation, but it can’t read the room. Emotional intelligence – understanding your own reactions and responding effectively to others – can help keep teams functioning in high-stress, high-change environments.
Research shows that leaders with high emotional intelligence build stronger relationships, improve morale, and reduce burnout. Empathy also plays a central role in customer service, leadership, and DEI work, where trust – not just logic – drives outcomes.
5. Communication and Collaboration
AI can draft content, but it can’t build alignment. Teams still rely on people to share context, clarify intent, and move projects forward.
To thrive in today’s hybrid environments, employees need to communicate clearly with both humans and machines. To begin with, this requires accurately interpreting AI outputs and subsequently translating those insights into actionable steps across departments.
In addition, effective communication means listening attentively, sharing ideas openly, and engaging in constructive feedback loops. Moreover, it involves collaborating across roles, functions, and time zones to ensure that work gets done efficiently and cohesively. Ultimately, this blend of technical fluency and interpersonal agility is what drives meaningful progress in AI-integrated workplaces.
6. AI and Digital Literacy
As more roles integrate AI tools, basic digital literacy isn’t enough. Employees don’t need to be engineers, but they need to understand how AI works, where it fits, and what its limitations are.
They also need to know how to use AI tools ethically and integrate outputs into workflows. Digital literacy helps reduce misuse and builds trust in AI-powered systems.
Ways to build AI literacy include:
- Offering hands-on training with task-specific AI tools
- Creating quick-reference guides for ethical AI use
- Hosting lunch-and-learns on AI trends and use cases
- Encouraging employees to test and compare AI tools
- Adding AI awareness in onboarding and compliance training
7. Project Management and Coordination
AI can streamline planning, but people still drive execution. Effective project management connects goals to action, tracks milestones, and adjusts in real time.
Strengthen project management by:
- Training employees on agile workflows and iterative planning
- Assigning rotating project leads to develop coordination skills
- Using AI tools for scheduling and resource forecasting
- Tracking cross-functional dependencies in shared dashboards
Employees with strong coordination skills help teams move faster; more importantly, they serve as the connective tissue between strategy and execution. By balancing budgets, timelines, people, and tools, they ensure that no element operates in isolation. In addition, they close the loop between insight and impact – thereby transforming AI-enabled strategies into measurable outcomes. As a result, organizations gain not just speed, but precision and accountability.
Strong Human and AI Skills Set Teams Apart
AI is rapidly transforming the way we work; however, it is not replacing the core attributes that make people uniquely valuable. While automation and algorithms continue to reshape tasks and workflows, it is equally important to recognize that human insight, empathy, and adaptability remain irreplaceable. Therefore, strengthening soft skills in tandem with technical competencies is essential – not only for staying relevant, but also for cultivating long-term resilience.
As we look ahead to 2025, the imperative becomes clear: to build a future-ready workforce, organizations must invest in both human and AI capabilities. In other words, success will depend on our ability to integrate emotional intelligence with digital fluency.
To that end, explore the latest joint training experience from Dale Carnegie and Matt Britton—Consumer Trends Expert and Author of Generation AI. Their program, Human By Design: Future – Proofing Yourself In An AI-Driven World, is available both online and in-person, offering actionable strategies to help professionals thrive amid technological disruption.
As an owner of the Dale Carnegie Mid-Atlantic franchise, McKonly & Asbury is able to offer an extension of services to our clients and friends of the firm, expanding our expertise in the areas of leadership, team building, and people development as Dale Carnegie offers programs in leadership, management development, customer engagement, service, sales, communication, and more.
AI for Small Business 101: How to Get Started
Source: CO by the US Chamber, Miranda Fraraccio , Contributor
Here's how small business owners can effectively implement artificial intelligence into their workflows, with practical tools and strategies for success.
Businesses use artificial intelligence (AI) for numerous purposes, from automating routine tasks to providing better customer service.
If you're new to the world of business AI tools, here's how you can choose the right ones for the right tasks and take your business to new heights. However, data from the U.S. Chamber of Commerce shows that while 58% of small businesses have adopted generative AI, many small businesses are still navigating how to get started.
How small businesses can use AI
According to the U.S. Chamber’s Empowering Small Business Report 2025, 58% of small businesses have adopted generative AI, and 87% say it has helped them operate more efficiently and compete more effectively. Many report increased sales, improved profitability, and greater confidence in their ability to grow.”
Here are some ways small businesses are currently using AI to scale.
Improve operational efficiency
AI plays a big part in streamlining operational processes for businesses. Companies use AI-powered tools to track inventory levels, automate data entry, handle scheduling, gauge product demand trends, and more.
Gain data insights
AI-powered small business marketing tools and competitive analysis tools help SMBs analyze ample data, providing deeper insights into customer behaviors, product popularity, and market trends. These insights help SMBs tailor their marketing strategies and remain competitive in their respective markets.
Create content
Content creation is among the top applications for AI-driven tools alongside social media management and marketing. AI can generate ideas for various types of content, including text, graphic designs, videos, and social media posts, to save businesses valuable time in their marketing efforts.
Enhance customer service
AI-powered chatbots can automate simple inquiries, helping SMBs scale their customer service and operate online 24/7 without additional staffing. This strategy can lead to quicker resolution times, an improved customer experience, and a lighter load for customer service agents.
Track finances
AI-powered financial planning tools help SMBs manage everything from invoice and expense tracking to budget creation and management. These tools can automate bookkeeping, reduce manual data entry and human error, and forecast future trends using historical data.
Popular AI tools for small businesses
While new AI-driven tools are constantly developing, the following frontrunners are among the most popular options suited to small businesses:
- ChatGPT: ChatGPT is a well-known AI tool that uses deep learning to generate humanlike text responses to user-provided prompts. Small businesses can use ChatGPT for a variety of tasks, like developing marketing campaigns, drafting sales pitches, or brainstorming blog and social media content ideas.
- DALL·E 2: DALL·E 2 is a cloud-based art generator that helps businesses easily create visual content. It can quickly create unique, realistic images based on text-based user inputs and edit existing photos.
- Grammarly: Grammarly is an AI-powered writing assistant that corrects spelling, grammar, and language usage and generates content. Whether your business is content-focused or sends numerous emails daily, Grammarly can improve your communications and ensure your writing is up to par.
- Notion AI: Notion AI is an AI-powered workspace where small businesses can plan and track projects, collaborate, communicate, and create together. It leverages AI to help answer questions, generate content, and provide insights.
- QuickBooks Intuit Assist: QuickBooks Intuit Assist streamlines SMBs' financial management by centralizing bookkeeping, offering flexible payment options, analyzing cash flow, and providing access to business loans and new lines of credit.
Choosing the right AI tools for your business
For AI to have the greatest impact on your business, you want to strategically choose and deploy tools in areas that make the most sense. Ask yourself the following questions to help you narrow down your options when researching AI-powered solutions:
- What business function will this tool help us with? Identify which of your unique business's processes can be automated or made more efficient with AI. Then look for tools that support those specific processes.
- Will this tool be easy for my team and I to adopt? Consider how easy the tools are to use and how well they'll integrate into your existing tech stack.
- Will I get the results I want? AI tools can produce a wide range of outputs, and not all of them are useful or high quality. If possible, sign up for a free version or trial of the software you're considering so you can test it out and make sure you understand how to work with it for optimal results.
- What will my return on investment be? How much time and money will you save with the solutions you choose, and what can you do with those extra resources to grow your business?
For more guidance on adopting AI for your small business, check out this recap of our event, Ready. Set. Scale. How Small Business Can Leverage AI.
Be aware: As a best practice, avoid uploading sensitive business data or personally identifiable information (PII) to AI platforms. These tools may retain or use submitted data to improve their services, and confidentiality cannot be guaranteed.
CO— aims to bring you inspiration from leading respected experts. However, before making any business decision, you should consult a professional who can advise you based on your individual situation.
CO—is committed to helping you start, run and grow your small business. Learn more about the benefits of small business membership in the U.S. Chamber of Commerce, here.
AI isn’t just a tool, it’s a teammate.
Source: Chamber Today
Here’s how to bring it into your workflow without losing what makes your team human.
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AI has moved from support role to team member — and that changes how we lead.
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The smartest leaders let AI handle tasks but keep people in charge of decisions and culture.
- Bring your team into the conversation early so they feel empowered, not replaced.
- Train both — teach people how to use AI well, and teach AI what “good” looks like.
- The real advantage isn’t automation; it’s integration — where technology works fast and humans work with heart.
612 Words ~ 3 min. read
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If you’ve tried using AI tools lately, you’ve probably noticed something: it’s not just helping with small tasks anymore. It’s writing drafts, managing data, even suggesting next steps. It’s starting to feel less like a tool and more like another teammate.
That’s exciting, but it also changes how we lead. Because when technology starts doing real work alongside people, the leader’s job shifts. You’re no longer just managing projects; you’re shaping how humans and machines work together without losing what makes your team special.
Let AI Work, But Keep People in Charge
The best way to think about AI is as a very fast, very literal assistant. It can crunch numbers, summarize notes, and spot trends faster than anyone on your team, but it doesn’t understand context, nuance, or tone.
Your job is to decide where AI adds value and where only a human touch will do. Maybe it drafts client emails, but you approve the final version. Maybe it builds a sales forecast, but you explain the story behind the numbers. When people stay in charge of the decisions, AI becomes a helper, not a threat.
Involve the Team Early
One mistake many leaders make is introducing AI as a surprise. Instead, make it a conversation. Ask your team what slows them down or frustrates them most, then explore how AI might help.
When people help shape the process, they’re more open to using the tools that come out of it. You’ll see curiosity instead of resistance. That sense of ownership is what keeps culture strong, even as workflows change.
Train Both, The Team and the Technology
It’s easy to think AI will just “figure it out,” but it’s only as smart as the people guiding it. Encourage your team to treat AI outputs as drafts, not final answers. Ask, “Does this make sense? What would make it better?”
At the same time, leaders need their own version of AI literacy, not coding, but understanding how to spot bad data or biased results. Think of it like quality control: you wouldn’t hand off payroll or hiring decisions without oversight, and AI deserves that same level of attention.
Keep What Makes Work Human
AI can do many things, but it can’t care. It doesn’t sense when a client’s tone changes or when a teammate’s running on fumes. Those moments of empathy and connection, the stuff that builds trust, still belong to people.
The more AI handles the repetitive parts of work, the more space your team has for the meaningful parts: brainstorming, customer relationships, and solving problems together. That’s where culture lives.
The Bottom Line
AI isn’t replacing people, it’s joining the team. The leaders who win won’t be the ones who automate the fastest; they’ll be the ones who integrate the smartest. Let AI handle the heavy lifting, but keep humans steering the direction.
Because the best technology in the world still needs what only people can bring: heart, judgment, and a little creative spark.
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The Columbia Montour Chamber of Commerce is a private non-profit organization that aims to support the growth and development of local businesses and our regional economy. We strive to create content that not only educates but also fosters a sense of connection and collaboration among our readers. Join us as we explore topics such as economic development, networking opportunities, upcoming events, and success stories from our vibrant community. Our resources provide insights, advice, and news that are relevant to business owners, entrepreneurs, and community members alike. The Chamber has been granted license to publish this content provided by Chamber Today, a service of ChamberThink Strategies LLC.
MAMOTH – New Member Highlight
Based in Berwick, PA, Mamoth is the trusted name in secure and environmentally responsible IT Asset Disposition Services and Electronic Recycling. Known for its commitment to data security, compliance, and sustainability, Mamoth helps businesses and consumers across the US safely retire and recycle outdated technology. Following industry certification standards ensures all electronics are handled with care and accountability from pickup to final processing.Member News ~ October 30, 2025
SBDC’s The First Step: Starting a Small Business in Pennsylvania - November 4th
Join the Wilkes University SBDC for a free online webinar on Tuesday, November 4, from 12:00–1:00 PM covering business structures, licensing, financing, and business planning essentials. Registration is free and open until the start of the session. Reserve your spot by clicking here.
Last Call to Sign Up for the Columbia Montour Chamber’s Business Leadership Forum - November 5th
Don’t miss the 2025 Business Leadership Forum happening Wednesday, November 5, from 7:45 AM to 3:30 PM at the Pine Barn Inn in Danville. This full-day event will bring together regional leaders to explore the future of leadership in an AI-driven world through keynote sessions, expert panels, and interactive discussions. Register today!
Service 1st Federal Credit Union’s Retirement & Investment Offers Women & Investing Seminar - November 5th
Join Service 1st Federal Credit Union’s Retirement & Investment Center for the Women & Investing Seminar on Wednesday, November 5, from 11 AM - 1:30 PM at The Links at Hemlock Creek in Bloomsburg. Enjoy lunch and a discussion designed to help women build confidence in their financial future. Click here for more information. Hosted by Service 1st Retirement & Investment Center, offered through LPL Financial. This event is intended for educational purposes only and will not include individualized investment advice.
Register Now for McKonly & Asbury’s Leadership Conference - November 5th
Join McKonly & Asbury for its premiere leadership conference: COLLABORATE! 2025 on Thursday, November 6, from 8:00 AM to 4:30 PM at the Eden Resort & Suites in Lancaster. This conference brings together executives and innovators for a day of dynamic keynotes, actionable insights, and meaningful networking. Register by November 5 to reserve your seat.
Bloomsburg Children’s Museum Receives Grant from Susquehanna Valley United Way to Continue Programs
The Bloomsburg Children’s Museum has received a $5,875 grant from the Susquehanna Valley United Way to support its educational programming for children residing in Columbia, Montour, Union, Snyder, and Northumberland Counties. These programs are offered to the community at low or no cost. Click here to read the full press release.
DBI and the Bloomsburg Fire Department Present Annual Veterans Day Parade - November 8th
Join Downtown Bloomsburg, Inc. and the Bloomsburg Fire Department for the Annual Veterans Day Parade on Saturday, November 8th at 10:00 AM. The route will travel down Main Street to Market Street, ending at the Bloomsburg Fire Hall, where a short program and community meal will follow. Come out to honor our veterans and show your support! Click here for more event details.
Sponsler Park Ribbon Cutting & Community Celebration - November 8
Join the Borough of Berwick and the Columbia Montour Chamber of Commerce for a Ribbon Cutting Ceremony at Sponsler Park on Saturday, November 8, from 12:00-2:00 PM celebrating the park’s new accessible upgrades. The event will feature live music by Dan Hess, food and coffee trucks, and participation from local nonprofits. Enjoy a family-friendly afternoon with free hotdogs, popcorn, and fun activities as the community celebrates this exciting transformation in Berwick’s West End. Read on.
Are you planning an event for the United States' 250th anniversary?
The year 2026 marks the 250th anniversary of the United States of America, and the Chamber is proud to be part of the Columbia and Montour Counties America 250th planning committee. We’re calling on local organizations to share their plans for celebrations and events. If your organization is planning an activity, please contact Beth Goldman at gold1beth@gmail.com, Co-Chair of the Columbia Montour County America 250th Committee. Stay tuned for more details as our community prepares to celebrate this historic milestone!
Did You Miss Last Week's Member News? Here's News That's Still Timely:
Halloween Happenings in Columbia & Montour Counties - October 16th-31st
October is filled with family-friendly ways to celebrate the season! From festive community gatherings to themed activities for kids, there are plenty of opportunities to enjoy a safe and fun Halloween close to home. Whether you’re looking for daytime outings or evening trick-or-treat fun, there’s something for everyone to enjoy throughout the month. Click here to view the full collection of events.
The Susquehanna Valley United Way Launches Diaper Dash - Through October 31st
This October, the Susquehanna Valley United Way is collecting diapers and wipes to help families across five counties keep their little ones clean, dry, and healthy. With support from community partners and businesses, including a major kickoff donation from Weis Markets, the month-long drive is already making a big impact. Throughout the entire month of October, donations can be dropped off at locations across the region, or made online to help purchase high-demand sizes. Every pack counts — together, we can ease the burden on families and ensure babies have what they need this holiday season. Learn more and find a map of collection sites at svuw.org/diaper-dash.
Nominate Your Favorite Trail - Through October 31st
Do you know of a trail that provides unique opportunities, encourages and celebrates diverse user groups or simply enhances your community? Nominate it for the Pennsylvania Trail of the Year! The Pennsylvania Trails Advisory Committee is currently accepting nominations for the 2026 Trail of the Year. Nominations will be accepted until October 31, 2025. Nominations will be reviewed by a panel of judges composed of Trails Advisory Committee members and judging will be based on the information gathered from this questionnaire and supporting materials. Questions can be directed to RA-explorepatrails@pa.gov. or call 717-772-3321. To nominate a trail for Trail of the Year, you must first Register.
Mini-Grant Funding Available for Outdoor & Trail Projects - October 31st
The 2025 Susquehanna Greenway Mini-Grant Program is now open, offering up to $10,000 to support projects that advance outdoor recreation, conservation, trails, and placemaking across 22 Pennsylvania counties, including Columbia and Montour. Eligible applicants include nonprofits and public entities, and applications are due by October 31. Learn more and apply at susquehannagreenway.org/mini-grant-program.
Swift Kennedy's Mental Health Minute Newsletter - October 2025
This month's Mental Health Minute Newsletter highlights how to replace doomscrolling with hopescrolling and the benefits of breathwork. Click here to download the newsletter.
Millville Area School District’s Agriculture and Engineering Programs Host 5K - November 8th
The Cultivate and Innovate 5K Race for CTE, hosted by Millville Area School District’s Agriculture and Engineering programs, will take place on Saturday, November 8, 2025, at 9 AM at the Bloomsburg Area Recreational Trail (behind the high school). The event brings together students, educators, and community members for a fun and active morning celebrating career and technical education. Participants can enjoy a scenic run or walk while supporting programs that prepare students for careers in agriculture, technology, and skilled trades. Click here to register. Click here for more information on how to support.
How to Write an Emergency Preparedness Plan
Source: CO by U.S. Chamber of Commerce & Jamie Johnson, Contributor
Every business owner should prepare for the next big emergency. Learn how to write an emergency preparedness plan using these seven steps. A new emergency can strike at any moment, so your business needs to be as prepared as possible. The best way to do this is to create an emergency preparedness plan.
1 - Assess the risks that threaten your business
To get started, you need to assess the biggest threats to your business and its long-term recovery. Different types of disasters or emergency events can be worse than others.
Analyze the potential fallout from the following situations:
- An environmental emergency, like a flood.
- A global event, like the COVID-19 pandemic.
- A physical problem, like a break-in.
- A digital emergency, like a cybersecurity breach.
2 - Complete a hazard vulnerability assessment
If your business operates out of a physical location, you should complete a Hazard Vulnerability Assessment (HVA). An HVA outlines any risk affecting the facility and day-to-day business operations. You’ll then rate these risks based on the level of probability and severity.
From there, you can conduct a business impact analysis. This assessment predicts the level of business disruption and can help you create a recovery strategy.
3 - Gather employee emergency contact information
It’s important to have emergency contact information for all of your employees before disaster strikes. Gather and file this information in a single location where you can quickly access it. That way, if an emergency happens, you’ll know how and where to reach your employees. You can inform them about the crisis and what you’re doing to manage the situation.
4 - Establish evacuation procedures
If you manage a brick-and-mortar business, like a restaurant or store, you need to outline your company’s evacuation procedures. Imagine various emergency scenarios and how your employees and customers can exit the building safely.
You should explain these procedures to your employees, and it’s a good idea to post them where customers can see them. If necessary, run a few drills with your employees so they know where to go and what to do.
Inspect nearby fire alarms, emergency lighting, escape ladders and any other emergency equipment.
5 - Prepare emergency kits
You should also prepare at least one emergency kit and have it available for employees and customers. This emergency kit list is not exhaustive, but is a good start for medical and survival items you can include:
- Gauze and bandages.
- Painkillers.
- A flashlight.
- Batteries.
- A warm blanket.
This emergency kit could be crucial if you or your employees must wait for emergency services to reach you during a disaster.
6 - Backup important data and files
It’s essential to backup all business data and files. You should store all company data on a secure hard drive offsite. In addition, you can store data in the cloud, which when taking proper cybersecurity measures, can help protect your business against cybersecurity threats.
If you have physical files, make two copies. Store one copy at work and another copy at home. That way, if one location or the other is destroyed, you’ll still have the files you need to get your business back up and running.
7 - Collect and store insurance information
Finally, make sure you have the correct insurance for your business. There is a type of insurance to cover nearly every risk your business might face, and the right insurance can protect your business from financial ruin.
For instance, if you own a restaurant, you’ll likely want to purchase commercial property insurance. If you’re an accountant or lawyer, you might need professional liability insurance. A licensed insurance agent can advise you on the best options for your business.
Make sure you store your insurance information in a place that is easy to access. That way, if an emergency strikes, you won’t be scrambling to locate this information.
CO— aims to bring you inspiration from leading respected experts. However, before making any business decision, you should consult a professional who can advise you based on your individual situation.