Specialty Banking

Small Businesses

Banesco USA offers specialized banking and lending solutions for small businesses with up to $1 million in annual revenue

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Financing expertise to benefit your business

Accounts to manage today’s needs and tomorrow’s ambitions

Capital to operate and pursue business strategies

Financing uniquely structured for small business

Accounts to manage today’s needs and tomorrow’s ambitions

Business Checking

Simplify everyday banking

Easily manage your everyday needs to send and receive payments with a single operating account or multiple accounts for different purposes.

Business Savings

Save and
 maintain liquidity

Set aside reserves in an interest-earning account with the ability to easily access funds whenever needed.

Business Money Market

Transact and earn interest

Earn interest with the flexibility for a limited number of online bill pay, electronic transfer and check transactions every month.

Business CDs

Grow funds with interest

Build your operating budget and financial forecasts with interest income from a fixed-rate CD for the term you choose.1

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Capital to operate and pursue business strategies

Owner Occupied Mortgage

Own or expand your office space

Invest in the future of your business by building equity in your office, warehouse or workspace, while potentially lowering your monthly payments compared to leasing space.

Commercial Term Loans

Get financing to fund business expenses

Borrow a fixed amount to finance business needs with monthly payments that meet your budget.

Revolving Lines of Credit

Operate with access to working capital

Take advantage of opportunities as they arise and cover unanticipated expenses by drawing on a line of credit when needed, up to a set amount.

Equipment Loans

Preserve liquidity and enhance operations

Purchase, replace or upgrade equipment, machinery, computers and other office fixtures for efficient operations.

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Financing uniquely structured for small business

SBA 504 Loan

Finance growth and expansion

When your business qualifies for an SBA 504 loan, you benefit from low down payments and long-term financing that can be used for a variety of business purposes, including purchasing equipment and upgrading or expanding property.

SBA 7(a) Loan

Secure financing for working capital

Qualifying for an SBA 7(a) loan provides your business with flexible financing for both short-term and long-term needs, from purchasing equipment and inventory to acquiring commercial office space.

Minority-owned Business Loans (ECIP)

Access affordable financing

Grow your business with a loan program designed to provide funding to underserved businesses. Financing is available to expand operations, create new jobs and drive economic development in our neighborhoods. This capital was granted to Banesco USA from the U.S. Department of the Treasury Emergency Capital Investment Program (ECIP).

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Bank with experts who specialize in servicing small businesses











Bank with experts who specialize in servicing small businesses











Bank with experts who specialize in servicing small businesses











Online & Mobile Banking

Save time banking and stay in control

View all accounts with one sign-in

Access your personal and business deposit and loan accounts with a single sign-in.

Fast, reliable wire transfer services

Quickly and accurately send funds domestically or internationally for one-time transfers or use templates for repeat payments.

Ensure cash for daily operations

Use the transfers feature to move money between your Banesco USA accounts and accounts at other financial institutions.

Delegate routine banking tasks

Authorize staff members or others you trust to handle specific banking transactions while keeping account activity private.

Receivables & Payables Management

Leverage payables and receivables solutions to optimize your cash position

Merchant Services

Accept credit cards and pass transaction fees to customers

Access customer payments as soon as the next business day by offering credit card, debit card and digital wallet payment options. Add card processing fee as a transaction surcharge.

Direct Debit

Expedite receivables processing

Securely and quickly accept recurring electronic payments from your customers or others who issue payments to you on a regular basis.

Zelle® for your business

Send and receive payments
 with Zelle®

When money moves instantly with Zelle® for your business, incoming payments are received immediately, and outgoing payments are debited only when they’re scheduled, not before.

ACH Origination Services

Pay digitally

Automate electronic payments to employees and cover monthly operating expenses.

Remote Deposit Capture
 & Mobile Deposit

Deposit checks on the spot

Scan paper checks individually or in batches from any location with Remote Deposit Capture. Or, use the mobile app to deposit checks using the camera on your phone.

Purchasing Card

Control purchasing and pay monthly

Make purchases with a Visa Purchasing Card that includes a feature to set spending limits for everyday items and reimbursable employee expenses. Earn up to 1% cash rebate annually.2

Merchant Services

Accept credit cards and pass transaction fees to customers

Access customer payments as soon as the next business day by offering credit card, debit card and digital wallet payment options. Add card processing fee as a transaction surcharge.

Direct Debit

Expedite receivables processing

Securely and quickly accept recurring electronic payments from your customers or others who issue payments to you on a regular basis.

Zelle® for your business

Send and receive payments
 with Zelle®

When money moves instantly with Zelle® for your business, incoming payments are received immediately, and outgoing payments are debited only when they’re scheduled, not before.

ACH Origination Services

Pay digitally

Automate electronic payments to employees and cover monthly operating expenses.

Remote Deposit Capture
 & Mobile Deposit

Deposit checks on the spot

Scan paper checks individually or in batches from any location with Remote Deposit Capture. Or, use the mobile app to deposit checks using the camera on your phone.

Purchasing Card

Control purchasing and pay monthly

Make purchases with a Visa Purchasing Card that includes a feature to set spending limits for everyday items and reimbursable employee expenses. Earn up to 1% cash rebate annually.2

Inquire now

Banking to manage operations and support cash flow

Our solutions simplify everyday banking to pay bills, monitor transactions and view account balances to stay on top of your finances.

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Deposit Accounts

Our range of checking, Money Market, savings and CD accounts is tailored to the unique needs of small businesses, from managing daily operations to earning interest to build savings and plan for the future.

Digital Banking

Our online banking and mobile app include features to keep track of your funds, wherever you are.

Automate Monthly Bill Payments

Set up recurring payments for fixed expenses and pause payments if needed, centralizing all payee details in one place.

Delegate Routine Banking Transactions

Authorize your business manager or other staff to handle specific banking transactions while keeping account activity private.

Pay Digitally

Automate electronic payments to employees and cover operating expenses with ACH. Originate wire transfers to expedite larger transfers.


Positive Pay helps avoid fraud on outgoing payments

Block unauthorized check and ACH transactions
before they are processed

Bank with experts who specialize in servicing small businesses

[businessandprofessional] Bank with experts who specialize in your profession. (Small Business)

Contact us to start your relationship

Visit

Visit

Find a branch
Email

Email

customerservice@banescousa.com
Call

Call

1-888-228-1597