Florida Community Association Journal - Cogent Bank

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Florida Community Association Journal

Find the right banking partner

By Charissa Eller, Cogent Bank

February 2024

Welcome to the board!

In your new position, you will encounter a variety of challenges and responsibilities, few of which are as prevalent as funding.

To help guide you through the process of borrowing money for your association, we’ve assembled a list of tips for your consideration.

Begin with board discussions – borrowing money is a large decision and one that should be discussed as a board.

Allow enough time to process requests – typically approvals take about four to six weeks to obtain.

Consult with an association attorney – they can provide helpful insight into the laws regarding your ability to borrow.

Consider your method of repayment – which is best for your association?

  • Implementation of a special assessment
  • Increase your general assessement
  • Use of reserve funds
  • Combinations of the items above

Explore Cogent Bank’s association banking offerings at cogentbank.com and contact me at celler@cogentbank.net if I can help answer any questions.