biz cash managment

Cash Management and Other Services

Silvergate Business Online Banking

Silvergate Bank can help take your business to the next level with advanced cash management tools such as:

Wire Transfers
Online bill pay
Internal transfers
Stop payments
Online check images (also available on CD)
Real time account information reporting

Remote Deposit Capture Save time and money by depositing checks electronically using your computer. Silvergate Remote Deposit utilizes a desktop scanner that connects to your own computer and the Internet. You can scan checks and transmit deposits electronically to Silvergate Bank, anytime day or night. It’s the fastest way to turn checks into cash.	Faster credit for deposits means more immediate availability of funds Make deposits anytime and save time preparing them Consolidate funds from remote locations into one bank account Reduces trips to the bank and costly courier fees.
Automated Clearing House (ACH) Services Collect recurring payments like dues or premiums with Automated Clearing House origination. This service is also ideal for direct deposit of payroll into employees’ bank accounts.	Automate your payroll with direct deposit via ACH Collect your dues, rent or other monthly fees Make your recurring monthly payments to vendors Reduce your administrative expenses
Positive Pay/Account Reconciliation This service can be used to help monitor potential fraudulent activity. This service also allows for monitoring of items paid, to assist in daily cash flow.	Manage risk and reduce fraud with Positive Pay by uploading a list of checks you have issued
Cash Management Sweeps Put idle, non-interest-bearing money to work. Use Silvergate Bank’s sweep account service to automatically transfer balances from non-interest-bearing accounts into an interest-bearing account daily.	Sweep funds between accounts automatically to maximize your return and manage your cash flow Minimum Balance Sweeps, Zero Balance Accounts, and overdraft protection sweeps are available

Other Services

Merchant Processing Services
Today's marketplace is very competitive. Providing your customers with convenient payment options is as important as selling a quality product or service. Research shows that consumers increasingly choose credit cards and ATM/debit cards as their preferred methods of payment. We offer state of the art merchant processing equipment, service and support.

Sweep Services
The Insured MMA Sweep Program is a safe and convenient service designed for customers who wish to maximize the FDIC insurance coverage on their money market account deposits while maintaining liquidity.

Lockbox Services
A safe and secure way to have account receivables processed. Silvergate Bank can receive your payments, process the deposit, and supply a report detailing the transactions.

Loans

Commercial Real Estate loans

Silvergate Bank offers commercial real estate loans to finance the purchase or refinancing of multi-family properties, industrial/warehouse buildings, office buildings, retail buildings or other real estate used for your business.

SBA loans

Silvergate Bank offers you a variety of financing options for starting or expanding your small business operations, including the purchase of land, improvements to buildings, construction of a new building, and the purchase of machinery or equipment.

Revolving lines of credit

Silvergate Bank offers lines of credit to assist your business finance working capital and short term needs. This financing can support the continued growth of your business. Lines of credit are a cost effective way to borrow and repay what your business needs when you need it.