business banking

At a time when how we pay for things and how we manage our money has increasingly become embedded into our everyday interactions, from using our devices for contactless payments to getting financial advice online, financial institutions are integrated into everything and yet in some ways less visible than they’ve ever been. To talk about what this means for institutions and consumers alike, we’re joined by Dan Roberts, Global Head of Business Banking for HSBC. In his role, Dan travels a lot to get perspective on financial trends around the world. Here he shares what it means to go beyond banking to meet the needs of an increasingly digital world powered by data, AI and tech-enabled information sharing.

Brought to you by frog, a global creative consultancy. frog is part of Capgemini Invent. (https://www.frog.co)

Visit us to learn more about Next-Generation Financial Services at frog. (https://www.frog.co/sector/financial-service-design)

Download the new frog Chief Challenges 5: Banking on Invisibility report. (https://go.frog.co/banking_on_invisibility) 

Listen in as we break down the myths of regional banking with Eli Stanley, the Director of Business Banking at Vectra Bank Colorado and Roundtable Leader at our Cleaning Prophets Event. Eli gives us her take on how regional banks are not just surviving but thriving in the current volatile environment and why they should be trusted. She explains how regional banks, while adopting technology, still value personal relationships with their customers, making them approachable and reliable.

Join us as we discuss business credit and financing options and get to grips with bankability and lendability. Eli reveals the ins and outs of establishing business credit, especially for businesses with no credit history, and how to determine the right line of credit for a business. She also offers advice on preparing to apply for funding and understanding the difference between bankability and lendability. You’ll get a fresh perspective on separating personal and business funds, calculating net profit, debt service coverage, and debt-to-income ratio.

In this episode, Ellie doesn't just stop at banking. She shares her insights on succession planning for business owners and the importance of life insurance in covering business debts and expenses in the event of the owner's death. We also get into the world of cryptocurrency, and Elie explains how businesses can benefit from lending opportunities in times of hardship. The episode wraps up with an exploration of the potential of investing in IT and security stocks. Join us for this enlightening discussion!

In this Profitable Cleaner Podcast, you will learn:

• The current state of Regional Baking and how these institutions are thriving and leveraging technology while maintaining personal customer relationships. 
• The different options of credit and funding available to businesses and the difference between bankability and lendability.
• The importance of business succession planning and the critical role of life insurance.
• How to navigate and leverage banking and financing systems for the growth and sustainability of your cleaning business

We highly recommend you connect with Eli Stanley and check out Vectra Bank:  

• Connect with Eli Stanley on LinkedIn Here
• Check out Vectra Bank Colorado Website Here

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Nick Root, Chief Executive Officer, Intergiro

Intergiro offers access to multi-currency accounts, card issuing and card acquiring solutions on one tech stack and across Europe. With a cloud-based solution that includes embedded finance, embedded payments, and BaaS, Intergiro has also embraced the digital world further by operating through a combination of hubs and remote-working (even before the pandemic forced that on us for a couple of years!). Nick Root, Intergiro’s CEO speaks to Robin Amlôt of IBS Intelligence about his philosophy around business structure and the business opportunity he sees.

Banks provide business-specific financial solutions that can help your small business. Here are 6 banking services to help you reach your goals.

 With three decades of experience in banking, Leader Bank Senior Vice President of Business and Government Banking Marc Romvos has seen a lot in his day. A technological revolution is currently underway in the realm of business and government banking, and Marc joins host Scott Barboza to discuss these advances and how they are impacting a range of banking sectors including government, business, venture capital, property management and professional and medical services.

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Special thanks to our Presenting Sponsor, Trion Solutions and our Special Guest David LeVasseur with Superior National Bank.

The $653.6 billion Canadian Imperial Bank of Commerce on Jan. 13 became the latest of the Bix Six Canadian banks to select the nCino Bank Operating System for its business clients. 

Half of Canada's largest banks now use the cloud banking and loan automation firm, Cameron Sterrett, managing director of nCino's Canadian business, tells Bank Automation News in this episode of "The Buzz" podcast.

Key to nCino's expansion in Canada is that its banking solution is built on the Salesforce platform, features an open application programming interface (API) and offers a range of functionality out of the box, Sterrett noted. CIBC chose the company because it wants to modernize its small business banking platform and grow its portfolio while improving both the internal banker experience and commercial client experience, Sterrett said. 

Tune in to learn more about the technologies these banks can expect to leverage in the coming year.

nCino shares [NASDAQ: NCNO] closed at $44.61 today, up 7.03% from market open. 

Bank Automation Summit, taking place March 1-2 in Charlotte, is the first and only event to focus solely on automation in banking. The event will feature the brightest minds from across financial services on intelligent automation strategies and deployment. Learn more and register here for Bank Automation Summit 2022.

In this episode of the podcast, I interview Stephanie Cannon, fellow travel advisor and former Corporate Financial Analyst, amongst other titles.  Listen in on our conversation about why you should know your business numbers, what numbers you should be paying attention to, bank accounts that are helpful, and so so much more.  Enjoy!

Stay connected with Stephanie:
https://withstephaniecannon.com/

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“Don’t panic, run with it.”

Verity Clarke was one of the exceptional case studies that emerged from Amaiz’s survey on the effect of lockdown on UK small businesses in 2020. Verity started her current company in 2019, and, as she says, "they say your first year of business is challenging, but come on now." Verity talks through her experience in setting up and running her business and the COVID uncertainty that has defined the past year in this pragmatic chat. She describes the “Mad Max moment” of contacting her clients, although this is a very different type of apocalypse...

Keeping the marketing alive helped the business but also added necessary sanity to the situation. Channels like Instagram have proved their worth, as has support from allied trades, but the bank and government... Not so much. As a new business, Verity’s another enterprise that fell through the gap for government support, although it took some sifting through information and misinformation to understand that.

Verity sees a lot of potential ahead and busy times. Logistics and equipment were particularly crucial in an industry heavily affected by safety rules. An industry that was slow to move to cashless payments has seen a shift, although it’s worth noting that tipping has fallen across the service industry.

Find out more about the Amaiz business app and its payments, bookkeeping and accounting features and how they support small business at amaiz.com/features.

We catch up with Carla Watkins, who we spoke to earlier in this series. Carla’s previously talked about her portfolio of small businesses and the many strings she has to her bow… But professional mermaid? That’s right. Here we talk to Carla about this one particular and unusual occupation as a professional mermaid - a wander through the realms of possibility and imagination and a great example of the essence of a successful small business coming from anywhere. A lot of this success comes from confidence, and that’s why these business stores are important to share.

Find out more about the Amaiz business app and its payments, bookkeeping and accounting features and how they support small business at https://amaiz.com/features/

“A moment in history when you can be a business owner and performer”

Nicole set up Manic Stage Productions 15 years ago and have since performed for clients of all sizes, including P&O, for the past few years. The entertainment business had grown every year until it… Was stopped in its tracks by the global pandemic. Nicole explains the grief that came with the abrupt halt and the mentality of keeping going, which defined Manic’s response. But there were dependent employees, who even if they were self-employed, meant abandonment wasn’t an option. Collaboration was and remains key. In March 2020, early on in the pandemic, Nicole used social media to show support and pass on experience. 

An insight into a performer and an entrepreneur’s mentality during lockdown, Nicole’s story supports the idea that business owners should pivot themselves, whether there’s a crisis or not.

Find out more about the Amaiz business app and its payments, bookkeeping and accounting features and how they support small business at https://amaiz.com/features/

Georgina started up her egg delivery service during the first lockdown, rapidly expanding it to bring the best of Sussex produce straight to the doors of Lewes. Soon, Georgina’s Eggspress was delivering produce ranging from South Downs honey to asparagus and cheese across East and West Sussex. Georgina’s background is in creative event production and as she says, she’d have laughed at her new enterprise in January 2020. The events industry was among the first to be affected by the growing pandemic and Georgina was quick to identify the opportunities. As she says, eggs have been proved to be a saviour mentally and financially.

Georgina’s story is a great example of pivoting talents and flourishing when entrepreneurism becomes a necessity. Hear her thoughts on government and bank support, the challenges of running a small business and her thoughts on what the events industry that will emerge from the pandemic could look like.

Find out more about the Amaiz business app and its payments, bookkeeping and accounting features and how they support small business at https://amaiz.com/features/

Lianne set up LMO Development in April 2020. A challenging time to start a business, but the last year has also highlighted the online potential for talent and learning consultancies. LMO helps organisations of all sizes develop their people. At any other time this would have been part of face-to-face meetings, but COVID meant an immediate pivot in delivery, after quick consultations with her initial clients. Hear why Lianne is optimistic about the future of online learning, systems that balances live interaction with a schedule that suits every employee. No matter how courses change and adapt in the future, online learning is worth the investment.

Find out more about the Amaiz business app and its payments, bookkeeping and accounting features and how they support small business at amaiz.com/features.

Kate Young founded the Safeguarding Association to support professionals in their jobs, creating a space for collaboration that encourages better working in safeguarding. Four years in, Kate talk about business banking as a business owner. Like many owners with a growing business, she faced the challenge of multiple payments into a high street account, Switching to an online account has allowed her to pull everything together and keep track of her income and expenditure without the hassle. In a roller-coaster year, the Association has found it in a good position with respect to support, after setting up an external office at the end of 2019. But Kate’s is a good example of where not all COVID relief is a good fit for smaller companies. The main challenge remains the crucial work supporting vulnerable people around the country. 

Find out more about the Amaiz business app and its payments, bookkeeping and accounting features and how they support small business at https://amaiz.com/features/

A highly experienced recruitment professional, Angelique wanted to make a difference and put the ‘human’ into human resources. New Beginnings Consultation helps candidates appreciate their value, and that’s more important than ever. 2020 brought a rapid shift to home working and Angelique expects changes to working environments and structure to last, and naturally, that means a change to HR. Angelique talks to the Amaiz podcast about the future and her advice is to “throw away the recruitment book”, whether you're in the office or at home. Find out why... 

You can also find out more about the Amaiz business app and its payments, bookkeeping and accounting features and how they support small business at https://amaiz.com/features/

From media production to online production.,, 

Another chat to a business under lockdown. This podcast, we talk to James Garrett, whose video production company grew from moonlighting at university.

Videography and media companies have faced massive disruption during the pandemic. James adapted his company by following the flow to online. While HNE aways ad digital retail for videos, the lockdown accelerated company plans. By expanding training courses and moving physical courses to a digital platform, they pivoted to entirely online production, utilizing tools more commonly used for gaming a year before. Radically altering a business is one thing, but James has seen this as an opportunity to take stock. And interestingly, a chance for him to step outside, take a look at the business objectively and take a step towards what he’s enjoyed more.

Find out more about the Amaiz business app and its payments, bookkeeping and accounting features and how they support small business at https://amaiz.com/features/

If you have any questions or comments, you can reach 

Don at: Don@MoneyWheelPodcast.com

Kris at: Kris@MoneyWheelPodcast.com

For a list of the amazing tools that you can use to build your business, please checkout resources.moneywheelpodcast.com

Amaiz talks to Clara Lee of Claraty Consulting, a business that's all about helping other businesses concentrate on what they do well. Unfortunately, as vital as it is, that's rarely bookkeeping. You may recognise the horror stories mentioned here: Unruly accounts, spikes of receipts and boxes of invoices. Clara explains how getting on top of a business' bookkeeping soon helps day-to-day admin to drop, and why the chaos of not having a separate business account isn't worth it. No business owner needs to miss a deadline or provide the wrong information when there are solutions. Communication is critical. 

During Lockdown, Amaiz introduced Additional Access so that no business owner risks being left isolated from partners or accountants as important deadlines loom. Find out about that and our time-saving bookkeeping and banking features and how they support small business at https://amaiz.com/features/

Have you heard about Amaiz Jars?
They're the simple and automated way your business can save for an unlimited number of things. Whether that's tax, an equipment upgrade, or to prepare for a lean season, Jay Gajparia the head of Amaiz's Expert Accountancy Team is here to explain just how these sub-accounts can make your year and your business!

Find out more about Amaiz features and how they support small business at https://amaiz.com/features/

Think opening a business account is complicated? Matt Goddard explains how making the life of a small business owner easier begins with downloading the app. A mobile banking and bookkeeping solution that can transform and empower your business is only a few steps away.

Find out more about Amaiz features and how they support small business at https://amaiz.com/features/