Treasury Management
Why clients choose SVB to help build their success
Thrive in the innovation economy with targeted insights
Treasury Management services to meet your evolving needs
Personalizing your financial journey as you scale
Supporting your business beyond banking
Connect with innovators and opportunities
Events and networking for founders and growth companies to meet top venture firms, CFOs, trusted advisors and serial founders to help collaborate and support growth.
Connect with us at events that unify the ecosystem
Ready to talk with our team?
Treasury Management FAQs
Treasury management services help innovation economy companies optimize cash flow, reduce risk, and scale efficiently. For example, businesses can:
- Integrate finance systems and centralize spend management to maximize visibility, cash control, and forecasting accuracy.
- Automate expense reporting, reconciliation and data sync to ERP systems to reduce manual work, boost productivity and close monthly books faster.
- Enhance liquidity with interest-earning investment tools to generate income from idle cash.
Treasury management services help companies optimize cash flow by integrating systems for banking operations, spend management, and working capital management. An API-enabled dashboard can connect business checking accounts, corporate card programs, venture debt, and liquidity solutions. This centralized visibility and control enables more effective cash management and automated efficiency between systems.
SVB's treasury management services provide specialized support for venture-backed companies in the innovation economy, including:
- Purpose-built treasury tools that provide centralized cash flow management, payment capabilities, automated expense reporting and reconciliation, and accounting system integration.
- Scalable payment processing systems to accept payments and manage high transaction volumes.
- Expert treasury management advisory to optimize venture-backed company finance operations
Treasury management services enhance cash forecasting tools and liquidity planning by centralizing financial data from multiple integrated systems. By analyzing payment data, companies gain actionable insights on spending patterns, seasonal trends, and cash flow cycles for accurate financial planning.
Companies can integrate treasury management services with existing finance systems using APIs and an integrated banking dashboard. API integration can connect platforms for business banking, payments and liquidity tools, as well as expense management, ERP and accounting software. The integrated dashboard then provides centralized access and control for cash management and automates data flows between systems.
Treasury management products include specialized solutions to improve liquidity by enabling companies to earn interest income on idle cash. For example:
- Short-term Certificates of Deposit (CDs) earn a fixed interest rate for terms from one month or up to a year or more. It’s a good option for companies to earn income on surplus cash they don’t need right away, such as reserves held for future operating expenses.
- Automated sweep accounts transfer excess funds (above a pre-set threshold) from business checking into interest-bearing investment accounts at the end of each month. Companies earn interest on cash reserves, yet maintain full access to use that money as needed.
1,3 All credit products and loans are subject to underwriting, credit, and collateral approval. All information contained herein is for informational and reference purposes only and no guarantee is expressed or implied. Rates, terms, programs and underwriting policies subject to change without notice. This is not a commitment to lend.
2 Foreign exchange transactions can be highly risky, and losses may occur in short periods of time if there is an adverse movement of exchange rates. Exchange rates can be highly volatile and are impacted by numerous economic, political and social factors, as well as supply and demand and governmental intervention, control and adjustments. Investments in financial instruments carry significant risk, including the possible loss of the principal amount invested. Before entering any foreign exchange transaction, you should obtain advice from your own tax, financial, legal and other advisors, and only make investment decisions on the basis of your own objectives, experience and resources. Opinions expressed are our opinions as of the date of this content only. The material is based upon information which we consider reliable, but we do not represent that it is accurate or complete, and it should not be relied upon as such.
All non-SVB named companies listed throughout this document are independent third parties and are not affiliated with Silicon Valley Bank, a division of First-Citizens Bank & Trust Company.
Banking and lending products or services are offered by Silicon Valley Bank, a division of First-Citizens Bank & Trust Company. Accounts are subject to credit approval. Restrictions and limitations may apply.