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Find the Right Solution for Your Business Stage
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As your company grows, its financial needs evolve, from cash flow management to financing strategic growth, to preserving earnings and developing new sources of revenue. It's also critical to develop a sound business investment strategy as well as company retirement benefits and an orderly succession plan. Finding a financial services firm that can help meet more of your growing business's needs throughout its lifecycle is crucial to success.
Check out the Cash Management Profiler to help you identify the right cash management solution for your business needs.
See how Merrill Lynch helps you at every stage of the business lifecycle.
 Business Lifecycle Brochure 
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| Cash Management |
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| Financing |
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| Investing Corporate Cash |
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| Retirement & Benefits |
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| Speciality Services |
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WCMA® Account
- Automatic sweep of available cash balances
- Deposits for the first 100 checks per month
- Check writing for the first 200 checks per month
- Unlimited ACH (Automated Clearing House) transactions in and out
- Comprehensive information reporting 24/7 on all your accounts Incoming wires
More
WCMA® Sweep Option
- Automatically sweep available cash into money fund accounts
- Transfer funds automatically from external accounts to your WCMA account
- Increase your earning power by automatically investing excess daily cash balances
- Choose to invest excess funds in short-, intermediate- or long-term investments
WCMA® SubAccounts
- Allocate business assets among 999 individual accounts
- Segregate assets for specific purposes
- Simplify paperwork – no need to open separate banking accounts
- Optimize cash management by linking accounts across the business
Merrill Lynch WCMA® Business Access Visa ® Card
- Delayed Debit
- Multiple Visa Numbers (per account; up to 99 cards per account)
- Optional Preset Spending Limit
- Access to Credit (margin)
- 24-Hour, 7-Day Customer Service
More
Merrill Lynch Visa ® Business Signature Card
- Delayed Debit
- Multiple Visa Numbers (per account; up to 99 cards per account)
- Optional Preset Spending Limit
- Access to Credit (margin)
- 24-Hour, 7-Day Customer Service
- Rewards Program
- Insurance Coverage
More
Commercial Line of Credit
- Regulate your cash flow by borrowing only what you need
- Eliminate costly interest expense often incurred by overborrowing
- Automatically pay down your loan with incoming cash, further reducing interest expense
- Get access to cash when you need it – it’s as easy as writing a check or using your Visa® card
More
WCMA® Reducing Revolver Loans
- adjustable rate loan that combines term financing with the convenience of revolving credit
- reduce interest expense by borrowing what you need
- prepay without penalty
- re-borrow prepaid amounts on a revolving basis
More
Term Loans
- Fixed-Rate Term Loans
- Adjustable-Rate Term Loans
More
Owner-Occupied Real Estate Financing
- Leverage local market expertise to get a customized solution to meet your needs
- Finance up to 80% of appraised value on purchase or refinance
- Take advantage of flexible loan terms, including 5-, 7- and 10-year balloons, with up to 20-year amortizations
More
Investment Income Real Estate Financing
- Get expert advice to structure a real estate loan that meets your specific requirements
- Obtain a customized financing solution that meets your individual needs
More
Securities-Based Loan
- Loan Management Account® (LMA® account)
- Manage all your loans through a single account
- Get borrowing power needed for personal and business financing
- Margin Lending Program
- Meet a variety of business financing needs by using the convenience of marginable securities as collateral.
More
Equipment Financing
- Generate more revenue.
- Improve productivity and efficiencies.
- Control costs.
- Avoid equipment obsolescence.
- Acquire high-technology equipment.
- Preserve capital.
- Acquire off-balance sheet financing.
More
Business Investor AccountSM
- flexibility and convenience of an investment account with cash management features
- access to short-, mid-and long-term taxable and tax-advantaged investment vehicles
More
RCMA® Account
- Choose from a broad array of investment options including stocks, bonds, and mutual funds
- Improve cash management with a daily sweep of uninvested cash, check-writing privileges and fund transfer capabilities
- Get up-to-date account information – including a fiscal summary statement and access to Merrill Lynch OnLine®
- Access to professionally managed money services to assist you with day-to-day investment directions
More
Simplified Employee Pension Plans
- Offers the simplicity of an IRA with much higher contribution limits
- Reduces the administrative burden, with few paperwork requirements and no start-up or administrative expenses
- Provides valuable tax advantages for you and your employees
More
Savings Incentive Match Plan for Employees
- Easy and inexpensive option for businesses with 100 or fewer employees
- Employer contributions are tax-deductible
- Employees have option of salary deferrals with possible tax advantages
- Reduced fees and paperwork
- No start-up or administration fees
- IRS reporting not required
More
Recapitalization
- Get help from a skilled advisor to raise capital more effectively
- Work with a corporate finance advisor to achieve your growth or acquisition financing goals
- Leverage return on investment/shareholder value
More
Employee Stock Ownership Plans
- Plan an orderly succession
- Learn more about ESOPs as a succession option
More
Management & Leveraged Buy Outs
- Plan an orderly succession
- Learn more about management buy outs and LBOs
More
Sales & Divestitures
- Have an experienced industry specialist at your side to negotiate the best deal possible
- Improve the value and marketability of your firm
- Tap into a support network that can manage the sales process and serve as an emotional buffer
More
Key person Life Insurance
- Help heirs meet estate tax obligations without compromising or dissolving a family business
- Keep the business running and assure creditors and customers that the company will operate as usual
- Reduce the impact of the untimely death of a key individual by covering expenses of finding and training a suitable replacement
More
Buy-Sell Agreements
- Protect your largest investment: your business
- Make cash available following the untimely departure of an owner, key employee or large shareholder
- Set a fair selling price and guarantee a buyer upon an owner’s disability, retirement or death
More
Endowment Management
- Manage a nonprofit’s cash and portfolio
- Manage cash flow and investments easily through the same account or linked accounts
- Invest idle cash automatically for optimal returns
- Reduce interest expense because you need to borrow less
- Improve donor service through direct contributions to your EMA ® account
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For more information call at 1.866.4ML-BUSINESS (465-2874).
Merrill Lynch, Pierce, Fenner & Smith Incorporated is a registered broker-dealer, not a bank, and the WCMA account is not a bank account. Banking services are provided by licensed banks or by third parties through arrangements with licensed banks. Unless otherwise indicated, investment products are not FDIC-insured, not guaranteed by a bank and may lose value.
Lockbox Solutions are offered through PNC bank, an independent provider not affiliated with Merrill Lynch. Merrill Lynch refers lockbox inquiries to PNC Bank and may receive a fee for such a referral.
The Merrill Lynch Private Sales Referral Network is a service through which Merrill Lynch clients are referred to independent third party investment banking firms.
Working Capital Management Account and WCMA are registered trademarks of Merrill Lynch & Co., Inc.
The WCMA® account is a product of Merrill Lynch, Pierce, Fenner & Smith Incorporated.
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