Optimized Cash Flow with Receivables Finance 

Effortlessly manage your business’s finances with SBIC’s comprehensive receivables solutions. Gain control over your accounts receivable with tools designed to simplify and optimize your cash flow.

KEY FEATURES

Accelerate Your Cash Flow with SBIC Receivables Solutions

Effective management of accounts payable and receivable is critical to your business's financial health. SBIC provides tailored solutions to help you manage your cash flow challenges, offering a range of advanced financial tools:

Zero Balance Accounts (ZBA)
Zero Balance Accounts (ZBA)

Centralize your funds with automated transfers that help optimize your financial processes while minimizing fees.

Mobile Banking Deposits
Mobile Banking Deposits

Manage balances, make transfers, and deposit checks on the go with our user-friendly mobile banking solutions.

Merchant Card Services
Merchant Card Services

Accept credit and debit payments seamlessly, boosting sales and providing actionable insights to enhance profitability.

Remote Deposit Capture
Remote Deposit Capture

Electronically deposit checks directly from your office to save time and access funds faster without visiting a branch.

ACH Collections
ACH Collections

Speed up cash flow with automated electronic collections and recurring collection options to simplify accounts receivable management.

WHY SBIC

Trust SBIC for Your Receivables Management

Choosing the right financial partner is essential for efficient receivables management. At SBIC, we deliver tools and services to improve your operational efficiency while providing personalized support.

Key Benefits of Working with SBIC:

  • Save Time: Automate payment collection processes to reduce manual tasks and redirect resources to business growth.
  • Enhanced Cash Flow: Gain quick access to receivables funds with receivables tools.
  • Information Security: Process transactions with confidence, thanks to our robust and secure systems.

SBIC provides banking systems solutions to businesses to manage their receivables. 

HOW OUR RECEIVABLES WORK

Streamline Your Receivables in Three Easy Steps

Improve your financial workflows and cash flow efficiency with SBIC’s easy three-step process:

Set Up Electronic Payments

Utilize ACH collections to simplify the collection of payments, automate recurring transactions, and streamline your accounts receivable processes.

Leverage Remote Deposit Capture

Skip trips to the bank by depositing checks electronically from your office. Save time, reduce costs, and gain quick access to your funds.

Activate Comprehensive Financial Tools

Implement SBIC's Merchant Card Services, Mobile Banking Deposits, and Zero Balance Accounts for a seamless and efficient approach to managing accounts receivable.

Transform the way you handle receivables and focus on achieving your business goals with SBIC’s support.

Customer Endorsements and Testimonials

Testimonials

Our customers are at the heart of everything we do. Here's what they're saying about their experience with SBI California:

“The Zero Balance Account system has been invaluable for optimizing cash flow in my growing business.”

Anjali T., Restaurant Owner
Customer Endorsements and Testimonials
Customer Endorsements and Testimonials

Testimonials

Our customers are at the heart of everything we do. Here's what they're saying about their experience with SBI California:

“SBIC makes accounts electronic receivables and payable management a breeze. Highly recommend their services!”

Carlos M., Manufacturing Entrepreneur
Customer Endorsements and Testimonials

Testimonials

Our customers are at the heart of everything we do. Here's what they're saying about their experience with SBI California:

“SBIC’s electronic receivables transformed how we manage payments. Remote Deposit Capture is a time-saver!”

Michael R., Retail Business Owner
Customer Endorsements and Testimonials

Testimonials

Our customers are at the heart of everything we do. Here's what they're saying about their experience with SBI California:

“The Zero Balance Account system has been invaluable for optimizing cash flow in my growing business.”

Anjali T., Restaurant Owner
Customer Endorsements and Testimonials
Customer Endorsements and Testimonials

Testimonials

Our customers are at the heart of everything we do. Here's what they're saying about their experience with SBI California:

“SBIC makes accounts electronic receivables and payable management a breeze. Highly recommend their services!”

Carlos M., Manufacturing Entrepreneur
Customer Endorsements and Testimonials

Testimonials

Our customers are at the heart of everything we do. Here's what they're saying about their experience with SBI California:

“SBIC’s electronic receivables transformed how we manage payments. Remote Deposit Capture is a time-saver!”

Michael R., Retail Business Owner

Looking for personalized support? Visit one of our conveniently located branches in California to discuss account receivable solutions.

EXPLORE

Our Products

SBI California offers solutions for accounts payable and accounts receivable and more. Explore our services, including ACH payments and collections, Remote Deposit Capture, and Merchant Card Services, to simplify and optimize your business operations. 

Business Checking Accounts

Manage day-to-day expenses efficiently

Learn More

Business Savings Accounts

Earn interest while maintaining liquidity

Learn More

Business Credit Cards

Access funding to fuel growth

Learn More

FAQs

About Receivables

Yes, SBIC offers integrated tools and services to optimize both processes, providing a comprehensive financial management solution.

ACH Collections automates the payment collection process, reducing manual work and accelerating cash flow.

It eliminates the need for branch visits, reduces processing times, and ensures quicker access to deposited funds.

Receivables finance allows businesses to access cash tied up in accounts receivable, improving cash flow and ensuring consistent working capital.

Accounts payable refers to the money your business owes suppliers, while accounts receivable tracks the money owed to you by customers.

Absolutely. Our mobile deposits use advanced encryption to ensure the security of your transactions.

Yes, SBIC offers an integrated dashboard for real-time visibility and management.

Yes, most of our tools are compatible with common accounting platforms to streamline workflows.

Visit one of our branches or apply online for expert assistance in setting up your solutions.

ZBA consolidates balances by transferring funds automatically, ensuring better control and reduced manual intervention.

SBIC processes funds efficiently, allowing businesses to access their money within a few business days.

No, our receivables solutions are scalable to suit businesses of all sizes and transaction volumes.

Electronic Receivables allow businesses to quickly collect in accounts receivables, improving cash flow and ensuring consistent working capital.

SBIC offers competitive fees, ensuring cost-effective solutions for businesses accepting credit and debit payments.

Industries such as retail, manufacturing, services, and healthcare can significantly benefit from our tailored financial solutions.

Stay connected with SBI California for secure and efficient banking solutions. Explore our services, manage accounts payable and accounts receivables, or contact us for assistance with cash management solutions.

1Additional fees/charges may apply. Please see details listed in the Business Banking Schedule of Fees and Charges.

2Remote Deposit Capture Limits $10,000 per day and $50,000 per month.