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Liquidity Management

Manage your excess cash and working capital for the highest returns

Idle cash means untapped potential. Our liquidity management services help you manage your excess cash and working capital to generate higher returns without risking your short-term cash needs.

Insured Cash Sweep® (ICS)

 

Secure large deposits in FDIC-insured, interest-earning accounts while still maintaining access to your funds when you need them. ICS funds can be placed in demand deposit accounts, money market deposit accounts, or both, depending on your preference.

Investment Sweep

 

Automatically transfer excess funds to an investment account each night to begin earning competitive returns immediately. You set a target balance for your account, we take care of the rest. Balances are fully liquid, so you pull out cash whenever you need it.

Line of Credit Sweep

 

Use excess funds to automatically pay down loan balances and reduce monthly interest. If your account balance falls below your targeted level, we automatically transfer funds from your line of credit back into your account.

 

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Money Markets/CDs

Preserve flexibility by investing in highly liquid money markets and certificates of deposit (CDs). Money markets and CDs allow you to earn interest until the right opportunity comes along.

 

 

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Zero Balance Accounts

Preserve flexibility by investing in highly liquid money markets and certificates of deposit (CDs).Maintain subsidiary accounts — such as a payroll account — at a zero balance while concentrating funds in your operating account for disbursements or investments. Zero balance accounts automatically transfer funds between accounts on your behalf based on your balance and timing preferences.

 

Business Online Banking

 

Easily keep track of your payables information and details with our comprehensive online business banking services. Our online solutions include the Umpqua Biz Mobile app, which lets you track invoices, check balances, search transactions, transfer funds, deposit checks to permitted accounts and more from anywhere, at any time.

 

Read more about business online banking

Commercial Card

 

Streamline spending for travel, entertainment, purchasing and fleet expenses using a single platform with our Commercial Card program. Count on our skilled team to determine the most effective mix of payment options and reporting tools to support your unique payment needs.

 

Read more about the Umpqua Commercial Card

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