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Liquidity Management

 

Optimize your business’s cash flow to align with short, mid and long-term liquidity goals.

  • Zero-Balance Accounts (ZBA)
  • Insured Cash Sweeps (ICS)
  • Loan Sweeps

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Zero-Balance Accounts (ZBA)

Support daily transactions while automatically consolidating cash overnight to improve liquidity control, visibility, and efficiency.

What You Get & How It Works
  • Liquidity Control
    Automatically fund operating accounts as needed while keeping excess cash centralized.
  • Visibility and Transparency
    Consolidate balances into one primary account for a clearer view of cash positions and activity.
  • Operational Efficiency
    Automate daily funding and consolidation to reduce manual transfers and account maintenance.

Insured Cash Sweeps

Manage larger cash balances by extending FDIC insurance while maintaining liquidity for business needs.

What You Get & How It Works
  • Expanded FDIC Insurance
    Safeguard deposits above standard limits through a network of participating institutions.
  • Interest with Liquidity
    Earn interest while maintaining liquidity and access to funds for daily operations.
  • Consolidated Banking Relationship
    Simplify account oversight with centralized online management of funds and user access with one monthly statement and one trusted banking partner.
  • Competitive Interest
    Earn interest while keeping your funds secure and accessible.

Loan Sweeps

Automatically applies excess cash to reduce a line of credit while maintaining access to funds.

What You Get & How It Works
  • Automatic Line of Credit Reduction
    Excess cash is automatically applied to reduce a revolving line of credit, helping manage loan balances and interest expense.
  • Ongoing Liquidity
    Funds remain accessible for daily operations, with the ability to re‑borrow as needed, subject to credit terms.
  • Simplified Cash Management
    Integrates with operating accounts to automate cash and debt management.

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