At Business and Banking Concierge, LLC, we provide personalized banking and vendor relationship services tailored to each business’s needs. With deep experience in Treasury Management, we help business owners navigate complex banking decisions, improve cash flow, and choose the right Treasury Management solutions. Our mission is to educate and empower clients to make confident, informed financial decisions.
We understand that banking isn’t one-size-fits-all, and many business owners face challenges when it comes to selecting accounts, structuring finances, and maximizing efficiency. Drawing on award-winning industry expertise and firsthand small business experience, we take the guesswork out of the process—conducting thorough reviews, identifying the best financial partners, and simplifying every step. Thanks to years of relationship-building, we are known for connecting businesses with the right resources to set them up for long-term success.
We know that researching and selecting the right bank can be overwhelming. We simplify the process by understanding your business needs and identifying the best banking partners. Using our industry expertise and local connections, we recommend banks to interview, attend meetings, and provide clear comparisons of account options, Treasury Management services, and fees. We also help structure your accounts for optimal cash flow and risk management, ensuring a smooth setup. From a Treasury Management perspective, we review your cash flow cycle to recommend the right services, define access needs, and streamline your operations
We believe reviewing your existing bank relationship is key to reducing both internal and external risks. We assess your accounts including checking, savings, loans, lockbox, and merchant services, along with administrator access and Treasury service limits. We also review your cash flow cycle and discuss fraud prevention measures, providing tailored recommendations to help reduce expenses, improve efficiency, and strengthen cash flow.
We work closely with your team to identify strategic opportunities and strengthen community connections that drive business growth. As we get to know your business, we develop an ongoing strategic plan tailored to your goals and profitability. We offer hands-on support with launching your business, planning ribbon cuttings and open houses, engaging vendors, joining key organizations, and connecting with media partners to help expand your reach and impact.
We help organize your commercial insurance policies, recommend trusted brokers, and guide you through coverage options. We coordinate and attend broker meetings, assist in narrowing down top choices, and compare competitive proposals. Each year, we review your coverage 60 days before renewal to ensure it still fits your business needs. Since many owners overlook policy details or risk lapses, we act as your advocate, simplifying the process and connecting you with experienced brokers so you can stay focused on running your business confidently.
We understand that banks allocate specific portions of their portfolios to different loan types, and once those limits are met, they often pause new requests. We help identify lenders who are actively considering your type of loan, saving you the time and hassle of going from bank to bank to find the right financing partner.
Fraud is rampant and comes in many different forms, such as check, ACH, wire, mail, credit card, email, text and so much more. We are passionate about educating clients on fraud prevention and helping them proactively reduce risk. If fraud does occur, we guide you through the dispute process and work to help recover your funds.
The ability to collect credit cards as a form of payment for goods and services is often vital to your cash flow cycle. Selecting a company to process your credit card payments can be confusing due to lack of fee transparency as well as an overwhelming amount of options available. We help you set up new merchant services or renegotiate existing ones by leveraging our network of independent processing partners, ensuring you get the most competitive rates and terms.
Medical, retail and wholesale lockbox solutions provide a cost effective service to help businesses expedite their receivable collection and maximize funds availability. The lockbox efficiently collects, processes and applies check payments to the businesses designated bank account. Since the lockbox service is handled by a third party, the opportunity for internal fraud is mitigated. In addition, since the lockbox would be through a non-financial institution, you can easily change banks without interrupting your existing lockbox services.
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