Building a business is a journey that requires a combination of strategic planning, hard work, and smart financial decisions. At Santander, we understand the challenges that come with running a business, whether you’re just starting or already established. That’s why we offer a wide range of banking solutions to help support your growth at every stage. Whether you need essential day-to-day banking services or advanced financial tools for expansion, we’ve got you covered.
Solutions for Every Stage of Your Business
Checking and Savings
Managing your day-to-day business needs effectively is critical to your success. Our business checking and savings accounts are designed with your business in mind, offering flexibility, transparency, and ease of use. With tools to track your cash flow, manage deposits, and access essential account features, Santander helps streamline your operations.
Our checking accounts offer a full suite of services including unlimited transactions, low fees, and easy integration with other Santander business products. If you also need to save, our savings accounts provide the right balance of liquidity and earning potential, helping your business build for the future.
Plus, we offer features that make banking even easier, such as customizable reporting, mobile banking access, and free online bill pay. Managing your finances has never been this seamless or efficient.
Lending
Financing is an essential component of business growth, whether you're expanding operations, upgrading equipment, or managing working capital. Santander offers a variety of lending options to meet your business's unique needs. Our goal is to make it easy for you to access the funds you need while offering flexible terms and competitive rates.
Our lending options include:
- Term Loans: Perfect for long-term investments, whether you’re purchasing equipment or expanding facilities.
- Lines of Credit: Access funds whenever needed for daily expenses or unforeseen costs, with the flexibility to borrow only when necessary.
- Commercial Real Estate Loans: Whether you’re buying, refinancing, or renovating your business property, we offer real estate loans with competitive rates and terms.
- Business Expansion Loans: As your business grows, we provide the capital needed to scale your operations, increase inventory, and hire more staff.
Our application process is fast and straightforward. With no hidden fees, you can focus on growing your business while we take care of your financing needs.
Business Online and Mobile Banking
Running a business in today’s digital world requires quick access to financial information, and Santander's online and mobile banking solutions ensure that you stay connected to your business’s finances wherever you are. Whether you’re in the office, on the go, or working remotely, you can manage your business accounts, track transactions, make transfers, and pay bills from any device.
Our online and mobile banking platforms come with enhanced security features to protect your business from fraud, and provide intuitive interfaces that make managing your business finances easy. Additionally, you can set up alerts, track spending, and reconcile accounts seamlessly.
You can also make deposits remotely using our Mobile Check Deposit feature, ensuring that your funds are always accessible, no matter where your business takes you.
Cash Management
Cash flow is the lifeblood of any business. Without efficient cash management, even the most successful businesses can face financial difficulty. Santander’s cash management solutions are designed to help you optimize your business’s cash flow, offering you the flexibility to manage your finances in real-time.
With features like automated invoicing, scheduled payments, and direct deposit options, our solutions help you stay on top of cash inflows and outflows. We’ll work with you to create a custom plan for managing your cash flow efficiently, ensuring that you have the liquidity you need to cover operational costs while saving for future growth.
Additionally, we offer integrated tools to help you manage payroll, track expenses, and send payments electronically, all while minimizing risks associated with cash handling.
Merchant Services
Santander’s Merchant Services provide your business with the tools to accept payments quickly, securely, and reliably. With a wide range of payment processing solutions, we can help you get paid in various ways, from in-person payments to online transactions.
Our services include secure point-of-sale (POS) systems, mobile payment solutions, and e-commerce integration. Whether you’re operating a retail store, offering services, or managing an online store, Santander provides the technology you need to accept payments effortlessly. We also help streamline accounting and reporting, so you can focus more on growing your business.
Plus, our Merchant Services come with a host of benefits, including fraud protection and 24/7 customer support to keep your payments running smoothly.
Mastercard® Easy Savings
Get more value out of your everyday business purchases with the Santander Business Debit Mastercard®. With Mastercard® Easy Savings, you can automatically earn rebates on eligible business purchases. Whether you’re buying office supplies, paying for travel expenses, or purchasing equipment, you’ll get cash back, helping you reduce operating costs while maximizing savings.
This is an effortless way to get additional rewards on purchases you’re already making for your business. All you have to do is use your Santander Business Debit Mastercard® for eligible transactions, and the savings will automatically be credited to your account.
Loans and Mortgages for Small Businesses
For small businesses looking to secure long-term funding or purchase property, Santander offers specialized loans and mortgages tailored to your needs. Whether you're expanding to a new location, purchasing a building for your business, or refinancing existing debt, our loan and mortgage solutions offer competitive rates and flexible terms.
- Commercial Mortgages: Secure financing to purchase, refinance, or renovate business properties. Our commercial mortgages come with competitive interest rates and flexible repayment terms, so you can focus on your business while we take care of your property financing needs.
- Construction Loans: If you’re building or renovating your business property, our construction loans provide the capital needed to cover the costs. Whether it's a new office, a retail space, or a manufacturing facility, we have the solutions to help bring your project to life.
- Small Business Mortgages: Purchase or refinance your business property with low rates and extended terms. Whether it’s an office, warehouse, or storefront, we offer small business mortgage solutions that help you secure the space you need to grow.
With easy application processes and quick funding, you can secure the capital you need to invest in your business’s future. We’re here to support you as you take the next step toward growth and success.
No matter what stage your business is in, Santander is here to provide expert guidance and customized financial solutions. Whether you need a checking account for daily operations, a loan to fuel expansion, or a mortgage to purchase property, we have the resources to help your business succeed.
