Liquidity Solutions

In today's competitive business environment, we know how important it is to have the right financial tools available to you when you need them.  Our liquidity solutions help you to manage your cash flow to make sure your money is working as hard as you are.

Zero Balance Accounts (ZBA)

Gain greater control over payments and collections with linked accounts that automatically transfer funds to and from a primary operating account at the end of each business day.  The service offers automatic concentration of deposits and disbursements among "sub" accounts into or out of a single master account.

Loans & Lines of Credit1

Preferred Bank specializes in commercial loans to small businesses.  Our strong capital base allows us to offer financing of up to $29 million while providing the superior service of an independent community bank.  Commercial loan products include revolving lines of credit, term loans and letters of credit.

Revolving lines of credit are available for temporary cash flow needs, accounts receivable financing and the issuance of letters of credit.  Each customer has a unique set of needs; each line of credit is tailored to meet those needs.Term Loans are available to assist with equipment purchases, business expansion and business acquisition.  Repayment terms correlate the repayment of the loan with corresponding cash inflows.  Letters of credit are available to accommodate international transactions and business commitments.  Please see the Trade Finance Loans & Services section for additional information.

Commercial loan products are competitively priced and are available at all of our branches.  Please contact a commercial loan officer for an appointment to discuss your business and financing needs.

Visa Credit Card1

Preferred Bank offers a Visa Credit Card for business customers that allow you to issue cards to your owners and employees.  The credit line amounts are controlled by you on a per card basis.  All charges are due and payable in full each month.  Monthly statements are sent to the business ensuring full accountability for all charges made.

Online Transfers

Using PBnet Business Online Banking, business owners can make online transfers between qualified Preferred Bank accounts at any time.  Transfers made before 5:00 p.m. PT will be credited the same business day and available to pay incoming checks that evening.

Savings Accounts

Earn a competitive interest rate with a Business Savings or Business Money Market Account.  Access your savings account at any time using your attached Visa Business Debit Card or PBnet Business Online Banking2.  Unlimited withdrawals and transfers can be made in person at any Preferred Bank branch.

 

1Subject to credit approval

2Transaction limits apply – see Understanding Your Deposit Account disclosure