• A complete system that allows you to get cash for your receivables on a daily basis by selling them to the bank at a discount.
• Effectively puts your business on an all-cash basis, enabling you to:
  
  1. Take early payment discounts from suppliers
  2. Take advantage of quantity buying discounts
  3. Pursue new business opportunities
  4. Increase sales
  5. Make payroll
  6. Re-direct staff time
  7. Offer convenient payment terms to your customers
  8. Reduce lines of credit
  9. Eliminate debt
     
• Saves you time and money traditionally spent on receivables management and gives you more time to focus on building your business.
• Is Business Manager™ a fit for your business? The best way to find out is to talk briefly with one of our Business Manager™ specialists. Within just a few minutes, you’ll know if the program is right for your business.

Whether you’re starting up a new business, building a second location, expanding your product line or simply trying to consolidate debt, our commercial loan officers can customize a loan to fit your specific business needs.

• Start-Up Loans
• Expansion Loans
• Real Estate Acquisition Loans
• Operating Expense Loans
• Debt Consolidation Loans
• Seasonal Lines of Credit
• Machinery / Equipment Loans
• Inventory Loans
• We offer both short and long term business loans with flexible re-payment terms.

If you’re thinking about starting a new business or expanding your existing business, we can assist you with participation in special loan programs offered by the Small Business Administration. While starting a business can be complicated, we’re dedicated to supporting small business growth in our community and are committed to seeing your dream become a reality.

• Compared to conventional business financing, SBA loans can offer easier qualification, lower down-payments and more affordable monthly payments.
• An SBA Loan may be an option to consider if you’re starting or buying a new business or are unable to secure conventional financing.
• SBA Loans are backed by the US Small Business Administration, an independent Agency of the Executive Federal Government.

• With ACH Origination, we can assist with your payroll duties.
• ACH Origination is an efficient method of payroll distribution in which Bank of Dwight initiates direct deposit of payroll into your employee’s personal accounts.
• This program saves you valuable time, provides a much safer and secure method of handling payroll and saves you from buying unnecessary supplies like check stock.
• To find out if ACH Origination is right for your business, contact us today for a complimentary proposal.

Monitor your business account any time – day or night – with FREE Online Banking.

• View your business accounts, loans and lines of credit
• Confirm deposits and withdrawals
• Transfer money between accounts or make loan payments
• Reconcile your accounts instantly
• Download account information into financial management software
• Enter stop-payment requests (stop-pay fee applies)
• Generate custom reports

Paying your suppliers and other operating expenses is quick and easy with FREE Online Bill Pay.

• Available 24 hours a day, every day of the year
• No more checks, stamps or envelopes
• Once you’ve established your payees, the system maintains a record of payee
  information
• Paying your bills is easy – just select the payee, enter a payment amount and
  choose a payment date
• Your bill payments will be itemized on your monthly checking account
  statement
• Use Online Bill Pay to pay any bill – from national companies to local merchants

Cost: FREE!*

(*must keep account active by paying at least one bill each month).Inactive accounts will be billed $4.95/month.

• Allows you to offer additional payment methods to your customers.

Domestic
Outgoing: $25.00
Incoming: $25.00

International: $75.00

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