Liquidity Management

Optimize your working capital

Automated liquidity management solutions to help maximize earnings on your funds and deposit insurance, and lower interest expense (e.g., credit sweep).

Pay down short-term debt
Avoid borrowing costs
Earn interest on excess deposits
Designate target account balances
Access to FDIC insurance beyond $250K1
Credit Sweep

Keep interest charges down and earn interest income on deposits depending on your business’s varying cash flow needs.

  • Automatic transfers between operating account and credit line 
  • Flexible and tailored 
  • Maximize funds availability 
  • Use in conjunction with ZBA (Zero Balance Accounts)
IntraFi® Cash Service (ICS®)

Sweep capabilities ensure all account funds are federally insured by moving funds between your primary SMBC MANUBANK account and ICS accounts as needed.

  • Protect funds that exceed FDIC insurance thresholds 
  • Choose the target balance for your checking account
Zero Balance Accounts

Link multiple SMBC MANUBANK deposit accounts to automatically transfer money into one concentration account, centralizing your overall cash flow. 

  • Protect large, liquid deposits that exceed the FDIC's maximum insurable threshold of $250,000
  • Disburse funds to maintain the designated target balance
  • Simplify reconciliation for operating account
Loans and lines to help your business grow, compete, and succeed.

Let our Relationship Managers craft a financing package to make large purchases or launch new projects.

See Loans & Lines

1Customer eligibility criteria and limits apply. Placement of funds through IntraFi Network Deposits is subject to the terms, conditions, and disclosures in the service agreements, including the applicable Deposit Placement Agreement (“DPA”). IntraFi is a registered service mark and Network Deposits is a service mark, of IntraFi Network LLC.