Manage Cash

Maximize cash flow, prevent idle funds, minimize time.

You establish a primary account, and we'll link the secondary accounts for funds to automatically transfer to or from the primary account each business day, to maintain a zero balance in the primary account. 

Money is dispersed from the primary account to cover payments for payroll, petty cash or other operating expenses, and deposits may be made to the primary account. At the end of the business day, collected funds are automatically transferred from your designated secondary account as needed to maintain a zero balance. Conversely, if a deposit is made to the primary account, the funds are transferred to the designated secondary account to retain the primary account balance at zero.

Benefits

• Optimize earning potential with consolidation of account balances
• Simplify account management and reduce clerical cost by eliminating manual account monitoring and funding
• Improve treasury management through centralized control of all your accounts

Gain control of your cash position. Reduce interest expenses. Maximize your money.

A credit sweep account, also known as a loan sweep, automatically transfers money between your checking account and your business line of credit. Based on your defined checking target balance, excess balances will be moved to pay down your line of credit to reduce interest expense. When your operating account needs additional funding, your line of credit will advance available funds to cover transactions while maintaining your target balance.

Benefits

• Easy and secure way to automatically move money between your checking account and your business line of credit
• Reduce interest expense because idle funds in your checking account are automatically used to pay down your line of credit balance
• Improve control of your cash position

Save time managing account balances.

First, determine the target minimum or maximum balance you want to maintain in your primary account. Pacific Premier then links your secondary account for funds to automatically transfer to or from the primary account each business day, in order to maintain the established target balance in the primary account.

Use your primary account to disperse funds to cover payments and other operating expenses, and deposits may also be made to the primary account. At the end of the business day, collected funds are automatically transferred to or from your designated secondary account as needed, in order to maintain your target minimum or maximum balance in the primary account.

Benefits

• Prevent idle funds by maintaining only the designated target balance in your primary account
• Simplify account management and reduce clerical cost by eliminating manual account monitoring and funding
• Improve treasury management through centralized control of all your accounts