{"id":462,"date":"2020-03-09T11:15:00","date_gmt":"2020-03-09T11:15:00","guid":{"rendered":"https:\/\/preprod.realtrends.com\/blog\/2020\/03\/09\/banking-hurdles-5-issues-small-businesses-are-facing\/"},"modified":"2025-03-13T02:03:16","modified_gmt":"2025-03-13T02:03:16","slug":"banking-hurdles-5-issues-small-businesses-are-facing","status":"publish","type":"post","link":"https:\/\/preprod.realtrends.com\/blog\/2020\/03\/09\/banking-hurdles-5-issues-small-businesses-are-facing\/","title":{"rendered":"Banking Hurdles: 5 Issues Small Businesses Are Facing"},"content":{"rendered":"

Banking issues many small businesses are facing.<\/p>\n

<\/p>\n

As a founder who has spent most of my career in financial services, I intimately know the unnecessary hurdles that small business owners face when it comes to banking.<\/p>\n

Whether you\u2019re trying to open a bank account, send payments and transfers, or simply separate your business and personal finances without incurring costly fees, almost everything is harder than it needs to be.<\/p>\n

Most business banking products are out of touch with the day-to-day needs of small business owners and emerging entrepreneurs. It was this realization that led me to found my company, Azlo<\/a>, and offer solutions to the following five problems.<\/p>\n

1. Banking can eat up precious time.<\/strong><\/h3>\n

The saying \u201cTime is money\u201d is especially true for entrepreneurs, and there\u2019s a very real cost to inconvenient banking. As a business owner, you want to spend your time actually running your business. You certainly don\u2019t have spare time to physically visit your bank branch, much less within narrow \u201cbanking\u201d hours.<\/p>\n

The whole concept of \u201cgoing to the bank,\u201d is incredibly antiquated and inconvenient, and there hasn\u2019t been an industry-wide shift towards digital-first, mobile alternatives. Although 71% of bank customers regularly bank online, most large banks won\u2019t allow you to open a business account without visiting a branch<\/a>. Many banks also require you to visit a branch to make certain transactions. This is out-of-touch with what business owners need.<\/p>\n

2.<\/strong> Banking fees can be costly<\/strong><\/h3>\n

When you\u2019re running a business, it\u2019s incredibly important to be smart about your spending\u2014you only want to spend money on things that will benefit your business.<\/p>\n

Finding an affordable business banking option, however, isn\u2019t always easy. You might find one that doesn\u2019t charge monthly maintenance fees\u2014but only if you maintain a minimum balance. Even then, you may incur overdraft fees, transaction fees, or countless other charges that eat into your profits. In 2018, the top five U.S. banks earned over $1 billion<\/a> in checking account fees.<\/p>\n

Most business bank options aren\u2019t really supportive of cost-conscious small businesses (much less companies that are pre-revenue). And that can cause a lot of frustration for founders, who end up paying too much for services that don\u2019t provide real value.<\/p>\n

3.<\/strong> Payments and transfers can be slow<\/strong><\/h3>\n

Cashflow is critical for entrepreneurs, and business owners often need the ability to move money quickly to pay employees or vendors. This is especially painful if you don\u2019t have a lot of cash cushion. The problem is that the banking system isn\u2019t really designed to move money quickly. Instead, it has standard timelines that exist to reduce risk for the banks themselves.<\/p>\n

This has been changing, slowly, for consumer products. Over the past few years, we\u2019ve been seeing instant P2P (person to person) transfers with services like Venmo and Cash App. However, the industry has been much slower to offer these types of services for business accounts, in part because of worries that it will cut into profit margins on products like wire transfers.<\/p>\n

We\u2019re just starting to see this change, and I believe we\u2019re going to see an industry-wide focus on faster payments and transfers for business accounts in the near future.<\/p>\n

4.<\/strong> Banks have a purely transactional relationship with their customers <\/strong><\/h3>\n

Banks, for so long, have only offered transactional services: storing your money and providing you with access to capital. There hasn\u2019t been a focus on offering more value\u2014unless you have a huge corporate account with a high balance, in which case you\u2019ll get a relationship manager who provides customized attention and advice.<\/p>\n

As a founder, you shouldn\u2019t have to have a million dollars in your account in order to feel valued and supported by your bank. I believe that banks need to move beyond this purely transactional relationship with their customers and start thinking critically about ways they can offer value beyond banking.<\/p>\n

5. <\/strong> Business banking should break down barriers, not create them.<\/strong><\/h3>\n

Ultimately, all these hurdles stem from the fact that traditional banks aren\u2019t in touch with modern small businesses. Entrepreneurs \u2014 and particularly entrepreneurs in the digital economy \u2014 expect immediate, straightforward, and valuable services from any institution they do business with. Banking should be no exception.<\/p>\n

There\u2019s hope, however: although these hurdles are real and present today, I believe the industry is evolving. We\u2019re seeing new, digital-first banking options. With new technology and increased competition, established banks are also slowly course-correcting and starting to imitate the more transparent, mobile, and customer-friendly approach of their new competitors. We\u2019re already seeing these barriers start to break down\u2014and eventually, they\u2019ll cease to exist.<\/p>\n

Cameron Peake is the co-founder and CEO of Azlo<\/a>, a digital banking platform that helps entrepreneurs and small businesses succeed. Throughout her career, she\u2019s used technology to bring financial services to underserved markets. <\/em><\/p>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

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