Business Banking

Banking Built for Business Growth

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

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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

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.