| Business Banking
All businesses, regardless of their size, deserve the financial tools that will help them prosper. At The Commerce Bank, we offer the full array of commercial banking products. What distinguishes this bank is our delivery of these products to you. Your banking needs are met by experienced bankers who will stay with you and your account year after year.
To prosper, you need to be able to respond to challenges and opportunities. One way The Commerce Bank helps you meet those objectives is through the range of credit alternatives we offer, as well as the flexibility and responsiveness with which we deliver them. For instance, our program of commercial loans includes secured and unsecured financing for inventory, receivables, equipment purchases, and real estate. Leasing, bridge financing, and acquisition financing also are available. In addition, we provide a full range of credit and noncredit international banking services.
Our clients choose among several types of checking and savings accounts. With these accounts come convenience. Instead of having to come to the bank, your deposits may be collected by a special courier or armored transport. You may also choose to bank by mail, by phone, or over the Internet. For retailers, we provide merchant credit card processing.
In addition to interest-bearing business accounts, a wide spectrum of investment services is available to help you achieve maximum growth of your capital while meeting your security and liquidity needs. You may purchase long-term or short-term certificates of deposit in any amount and in the exact maturities you require. You may also choose from a variety of money market instruments issued by federal, state, and local governments as well as from those offered by corporations.
For the company with more complex cash management, we can provide such special services as concentration accounts, account reconcilement, sweep accounts, and ExecuBank, a microcomputer-based reporting and transactional system.
Business Banking Products
Lines of Credit
Term Loans
Revolving Credit
Accounts Receivable Loans
Inventory Financing
Equipment Loans
Real Estate Financing
Acquisition Financing
Bridge Loans
Commercial Letters of Credit
Documentary Collections
Banker's Acceptance Financing
Leasing Packages
Transaction Checking Accounts
Interest-bearing Checking Accounts
Money Market Accounts
Business Savings Accounts
Trust Accounts
Certificates of Deposit
Investment Instruments
Various Cash Management Products
Courier and Armored Car Service
Wire Transfer Services
Credit Card Merchant Services
Corporate Credit Cards
Escrow Accounting
Corporate Finance
24-hour Banking
Foreign Exchange
Standby Letters of Credit
Commercial Real Estate
Lending
Commercial real estate lending is relationship oriented, serving developers,
investors, and owner occupants and focusing on existing and potential
clients of The Commerce Bank. We are able to provide funds for all phases
of real estate development and ownership. Construction financing of
commercial projects such as office, industrial, and multifamily are
the core of our portfolio. Interim facilities to acquire or improve
projects are also an important aspect of our business.
On the permanent loan side, The Commerce Bank can provide placement
services. With established relationships with permanent lenders, we
can underwrite long-term loans.
Our approach is tailored to the project, market, and borrower, with
the ability to transact business in all product types and geographical
markets. Responsiveness and flexibility borne of deep experience and
market knowledge are the hallmarks of our service orientation.
Liquid Asset Management
Liquid Asset Management is designed to enhance earnings on cash while maintaining necessary liquidity. A managed, individualized portfolio is created for each client according to their unique objectives and guidelines. In constructing the portfolio, a dedicated portfolio manager considers client cash flow projections, maturity constraints, credit quality requirements, tax status, and target benchmarks.
Our service provides access to a wide spectrum of U.S. dollar-denominated instruments including U.S. government issues, commercial paper, certificates of deposit, banker's acceptances, Eurodollar CDs and time deposits, Yankee CDs, floating rate securities, mortgage backed issues, municipal notes and bonds, and various proprietary vehicles. Active management of an appropriate mix of these securities typically generates incremental return. Whether the nature of funds in the investment portfolio represents first-layer liquidity, intermediate-term liquidity, or a combination of both, Liquid Asset Management can accommodate a range of active strategies-all within a single account.
With a low portfolio manager-to-client ratio, we are able to provide an extraordinarily high level of customer service. Our clients have direct access to their portfolio manager. Liquid Asset Management also includes full custody and state-of-the-art reporting.
|
