Business Bank Relations

Bank Relationship Management and Advocacy

Making successful businesses more financially successful, helping businesses overcome the business/personal banker turnover, creating a common ground between businesses and banks, facilitating, negotiating, connecting, and repairing disconnects between small businesses, consumers, and their banks – that’s what we do.  We advocate for your business to ensure you are getting the best value for the money when it comes to your bank loans. And if you need to find another bank because you are unsatisfied, we help you make the switch.   We help you maintain a good relationship with your bank, give you great help on how to meet the conditions of your business loans and deposit accounts, and help you decipher the all too complex bank jargon, acronyms, and “banker speak.”

Bank Negotiations

We know it can be frustrating to try to find the business financing you need. It’s even more difficult if you don’t know what questions to ask! We have decades of experience in the banking industry and we can help you with some ‘tricks of the trade’ and find the right financial institution to meet your deposit and lending needs. We will help you prepare and present documents in a way that will get you noticed in a good way. We can also help you recognize possible financial red flags of your business so you can take corrective action as soon as possible.

Bank Choosing/Switching Services

Choosing a bank for your business involves more than opening a new account at your personal bank or picking the branch office nearest to your company. You need to understand what services you require, how much they cost, and how you can profit from using your banking services. We will take the extra time to walk you through how to solve  problems so you can go back to running your business.  Nonetheless, some business owners still spend very little time shopping for a bank.  We can help you choose the banks that are right for you and your business.

Help To Obtain

Critical Services:

• • Compare charges across multiple banking relationships, streamline the process of reviewing account analysis statements, and then maximize the value derived from each bank relationship.
  • Assessment of Financial Department Structure and Processes
  • Account Clean-Up Services
  • Development of a chart of accounts that supports your business
  • Consolidation of bank accounts
  • Decentralization of bank accounts
  • Financing growth or new acquisitions
  • Seeking additional credit
  • Navigating ownership changes
  • Further automate the management of the account analysis process.
  • Payroll
  • Notary Services
  • Software training on the complete Microsoft Office Suite  (Word, Excel, Access, PowerPoint, Outlook)

Deposit Accounts:

• • Business checking accounts
  • Business savings accounts
  • Credit cards
  • Deposit-only cards
  • Discounted employee checking accounts
  • Online banking

Lending Services:

• • Home Equity Based Lines of Credit
  • Secured Lines of Credit
  • Unsecured Lines of Credit
  • Term-loans
  • Commercial real estate
  • Equipment leasing
  • SBA loans

Miscellaneous:

• • Wire transfers
  • Lockbox Services
  • Merchant services
  • QuickBooks Financial Software