Turning Treasury Services into a Growth Engine to Win Commercial Clients

Make Your Treasury Strategy a Catalyst for Commercial Growth

Strong relationships have always been the cornerstone of commercial banking success, and now there’s an opportunity to build even stronger partnerships. To attract and retain high-value commercial clients, your bank or credit union can offer solutions that move beyond basic transactions and support your clients' cash management goals.

At the core of this strategy is your virtual office of the CFO, a centralized treasury hub designed to give your clients real-time visibility and greater control over incoming payments, cash flow, and reconciliation. By integrating key treasury functions, you simplify clients’ financial operations and demonstrate your commitment as a trusted financial partner, helping to accelerate their growth and strengthen deposit relationships.

Close the Gap Between Payments and Receivables

Your institution already provides reliable payment and liquidity tools, like ACH transfers, wires, and zero-balance accounts, but many commercial clients still face fragmented, manual receivables processes. Handling checks, ACH transactions, cards, and electronic payments separately slows down cash collection and ties up working capital.

An integrated receivables solution consolidates all payment channels into one unified platform, enabling faster payment application and transparent financial management. By embedding receivables automation into your treasury offerings, you help your clients collect cash quicker and secure more consistent deposits for your institution.

Receivables Automation: Your Key Treasury Differentiator

Even with advances in treasury technology, receivables management remains a persistent challenge. According to a recent PYMNTS study, 35% of mid-sized businesses still handle accounts receivable processes manually. Common issues include:

• Delayed payments: Slow manual reconciliation lengthens payment cycles.
• Wasted resources: Manual matching drains valuable staff hours.
• Fragmented channels: Handling multiple payment types separately complicates cash application.

These inefficiencies lead to extended collection cycles, higher error rates, and reduced cash visibility, complicating working capital management and deposit forecasting.

Receivables automation tackles these issues head-on, dramatically improving efficiency for you and your clients. Automation speeds up cash collection, reduces operational friction, and clarifies financial reporting. The result is more stable deposits and deeper, more profitable client relationships.

Integrated Receivables Drive Institutional Growth

Integrated receivables solutions directly support your clients’ cash flow efficiency and your institution's strategic growth. By addressing traditionally fragmented receivables management, you position your institution as the central hub for clients' incoming cash.

Key benefits include:

• Increased commercial deposits: Centralizing payments keeps funds at your institution.
• Stronger client retention: Tight integration into client workflows boosts loyalty.
• Additional treasury revenue: Expanded services create new fee-based revenue streams.

Implementing integrated receivables turns treasury management from an operational necessity into a powerful driver of your institution's overall growth.

Offer a Virtual CFO Experience That Sets You Apart

Modern businesses expect real-time insights for critical decision-making. Delivering integrated receivables solutions provides your clients with virtual office of the CFO, including:

• Instant cash flow visibility: Real-time access to all incoming funds.
• Automated reconciliation: Immediate matching of payments to outstanding invoices.
• Centralized management: A single platform to manage all receivables.
• Reliable security and compliance: Comprehensive protection and adherence to regulatory standards.

By offering this strategic treasury experience, your institution evolves from transaction handler to invaluable business ally, reinforcing your competitive positioning.

Evaluate Your Treasury Strategy for Growth

Periodically assess your treasury management effectiveness by considering these key questions:

• Do we offer fully integrated solutions for all receivables channels?
• How much of our clients' receivables processing is still manual? Is our automation sufficient?
• Do our treasury services actively drive client retention and deposit growth, or are they transactional only?
• Are we effectively partnering with fintech firms to deliver innovative treasury solutions?
• Is our treasury solution deeply integrated with our clients' internal ERP and accounting systems?

A thoughtful assessment of these questions can reveal strategic opportunities for improvement. Institutions prioritizing treasury management as a growth driver will attract and retain top commercial clients. Now is the moment to capitalize on integrated receivables and secure your competitive advantage.

Ready to discover how CheckAlt can optimize your receivables management strategy?

Contact us today to discuss tailored solutions. Follow us on LinkedIn and subscribe to CheckAlt Connect, our monthly email newsletter, for the latest insights in payments technology.