> ## Documentation Index
> Fetch the complete documentation index at: https://docs.finhub.cloud/llms.txt
> Use this file to discover all available pages before exploring further.

# Business Banking

> Comprehensive business banking solutions for enterprises and SMBs

# Business Banking

FinHub provides comprehensive business banking solutions designed to meet the diverse needs of enterprises and small-to-medium businesses (SMBs) through our partners.

## Overview

Our business banking platform enables financial institutions and fintechs to offer complete business banking services to their corporate clients, from basic account management to sophisticated treasury operations.

## Target Segments

### Small & Medium Businesses (SMBs)

* Startups and entrepreneurs
* Local businesses
* Professional services firms
* E-commerce merchants

### Mid-Market Enterprises

* Regional businesses
* Growing companies
* Multi-location operations
* Industry-specific enterprises

### Large Enterprises

* Multinational corporations
* Holding companies
* Financial services firms
* Public sector organizations

## Core Services

### Business Accounts

| Account Type     | Features                   | Best For            |
| ---------------- | -------------------------- | ------------------- |
| Business Current | Day-to-day operations      | All businesses      |
| Business Savings | Interest-bearing deposits  | Cash reserves       |
| Multi-Currency   | Multiple currency holdings | International trade |
| Escrow           | Third-party holding        | Transactions, M\&A  |

### Payment Services

* **Domestic Payments**: Same-day and next-day transfers
* **International Payments**: SWIFT and local payment rails
* **Batch Payments**: Payroll and supplier payments
* **Direct Debits**: Recurring payment collection
* **Virtual Accounts**: Automated reconciliation

### Card Programs

* **Corporate Cards**: Employee expense management
* **Virtual Cards**: Secure online payments
* **Prepaid Cards**: Budget-controlled spending

### Treasury Management

* **Cash Pooling**: Centralized liquidity management
* **FX Management**: Currency hedging and conversion
* **Reporting**: Real-time cash position and forecasting

## B2B Features

### Organization Management

* **Multi-Entity Support**: Manage multiple legal entities
* **Role-Based Access**: Granular permission controls
* **Approval Workflows**: Multi-level authorization
* **Audit Trails**: Complete transaction history

### Integration Capabilities

* **ERP Integration**: Connect to SAP, Oracle, NetSuite
* **Accounting Software**: Sync with QuickBooks, Xero
* **API Access**: Full programmatic control
* **File-Based**: SFTP and batch file processing

## Service Model Options

| Service Model | Description                        | Best For     |
| ------------- | ---------------------------------- | ------------ |
| **CoreX**     | Pre-built business banking portal  | Quick launch |
| **API**       | Custom business banking experience | Full control |

## Getting Started

1. **Requirements Analysis**: Define your business banking needs
2. **Solution Design**: Choose implementation approach
3. **Sandbox Access**: Set up development environment
4. **Integration**: Build and test your solution
5. **Pilot Launch**: Test with select customers
6. **Full Rollout**: Scale to all customers

## Next Steps

<CardGroup cols={2}>
  <Card title="CoreX Service Model" icon="desktop" href="/baas/corex/introduction">
    White-label business banking
  </Card>

  <Card title="API Service Model" icon="code" href="/baas/api/introduction">
    Custom business banking
  </Card>
</CardGroup>