Business Banking

# Banking Built for Business Growth

Streamline your finances with CTGMC Business. Flexible accounts, fast loans, merchant services, and dedicated business advisors.

Open Business Account Sign In
Business Account Overview
Business Checking
Unlimited transactions
€0/mo
Business Savings
FSC Regulated • Capital Protected
2.80% APY
Credit Line
€10k – €500k revolving
8.99% APR
SBA Loans Available
Up to €5 Million
50K+
Businesses Served
€5M
Max Credit Line
Same-Day
ACH Transfers
24/7
Business Support
Business Products

## Accounts & Financing for Every Business

From solo freelancers to growing enterprises — CTGMC Business scales with you.

Business Checking
No monthly fees for startups. Unlimited transactions, free ACH transfers, and a dedicated business debit card included.
€0
Per month — starter plan
Open Account
Business Savings
2.80% APY on business savings. Capital protected under FINMA prudential supervision. No balance caps.
2.80%
APY earned
Open Account
Business Credit Line
Revolving credit from €10k to €500k. Draw only what you need, when you need it — pay interest only on what you use.
8.99%
APR from
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SBA Loans
SBA 7(a) and 504 loans with favorable terms, long repayment periods, and lower down payments than conventional loans.
Up to €5M
Loan amount
Learn More
Business Services

## More Than Just an Account

A complete suite of business banking services to help you run smarter and grow faster.

#### Merchant Processing

Accept all payment types — cards, ACH, and digital wallets. Competitive rates, next-day deposits.

#### Payroll Services

Run payroll in minutes. Direct deposits, tax filing, and compliance built right in.

#### Business Insurance

Protect your business with liability, property, and workers' comp coverage — all from one provider.

#### International Wire Transfers

Send and receive funds globally in 40+ currencies with competitive exchange rates and low fees.

#### Employee Corporate Cards

Issue cards to your team with custom spending limits, real-time controls, and automatic reconciliation.

#### API Banking & Integrations

Connect CTGMC to your ERP, accounting software, or custom stack via our developer-friendly API.

Who We Serve

## Built for Every Stage of Business

Whether you're just starting out or scaling fast, CTGMC has a solution that fits right now.

💻
Freelancers
Keep personal and business finances separate with zero fees and simple tools.

- Free business checking
- Instant invoicing tools
- Easy tax reporting
- Mobile deposit

🚀
Startups
Launch fast with no minimum balance, free ACH, and runway-friendly fee structures.

- No monthly fees
- Credit line from €10k
- API integrations
- Team cards included

🏪
SMEs
Manage cash flow, payroll, and lending with products that scale with your revenue.

- Merchant processing
- Payroll services
- SBA loan access
- Business savings APY

🏢
Enterprises
Full-service banking with treasury management, international capabilities, and white-glove support.

- Treasury management
- International wires
- Dedicated RM
- Custom API access

FAQ

## Business Banking Questions

How do I open a business account?
Opening a CTGMC Business account takes about 10 minutes online. You'll need your business information, EIN (or SSN for sole proprietors), and a government-issued ID. Most accounts are approved instantly. Simply visit register.html, select "Business Account," and follow the prompts.
What documents are required to open a business account?
Requirements vary by business type. Generally you'll need: a government-issued photo ID for all owners, your EIN (or SSN for sole proprietors), business formation documents (e.g., Articles of Incorporation, LLC Operating Agreement), and a business address. For corporations, a certificate of good standing may be required.
How do I qualify for a business credit line?
To qualify for a CTGMC Business Credit Line, your business typically needs to be at least 12 months old, have €50,000 or more in annual revenue, and have a personal credit score of 650+. New businesses with strong financial profiles may qualify through our Startup Lending program. Lines range from €10,000 to €500,000.
Can I make international payments from my business account?
Yes. CTGMC Business supports international wire transfers in 40+ currencies to over 180 countries. Outgoing international wires are typically processed same-day if submitted before 3 PM ET. Incoming international wires are received within 1–2 business days. Competitive foreign exchange rates apply with no hidden markup fees for Premier Business accounts.

## Open Your Business Account Today

Join 50,000+ businesses that trust CTGMC for their banking, lending, and payment needs. Get started in 10 minutes.

Open Business Account Sign In to Business Portal