URL: /baas/client-categories/business-banking

---
title: "Business Banking"
description: "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>