Commercial Banking Suited to Your Aspirations
At Fieldpoint, private commercial banking recognizes your business is your life’s greatest investment. We advise accordingly, based on a holistic understanding of your business’ needs and how they intersect with your life.
Enterprise Cash Management
Business banking designed with the customization, functionality and yield sophisticated enterprises expect, but without the fees, limitations and nuisances endured with traditional banks.
Features
- No-fee ACH
- No-fee domestic wires2
- FDIC insurance available to $20 million or more3
- International wires with currency conversion
- Remote and mobile deposits
- Online billpay and presentment
- Positive Pay anti-fraud
- 24/7 self-administration of users and permissions
- Desktop and mobile app
- Interest on Lawyers’ Trust Accounts. Bar-approved in Connecticut (IOLTA), New York (IOLA) and Florida (IOTA).
- Domestic wire fees may apply to certain high-transaction accounts.
- Coverage through CDARS (Certificate of Deposit Account Registry Service), a service of Promontory Interfinancial Network, LLC.
Commercial Lending
We are unusual in that we don’t re-package or re-sell our clients’ loans to other institutions. We believe a loan, handled properly, is an act of customized advice based on a deep understanding of the client, not a boilerplate product designed to become someone else’s investment. This approach results in strategic credit strategies suited to each client and situation.
Features
- Local, highly responsive decision making
- White glove service respectful of your time
- Adept with complex collateral and documentation
By the Numbers
2008
$0 in Loans Sold
2009
$0 in Loans Sold
2010
$0 in Loans Sold
2011
$0 in Loans Sold
2012
$0 in Loans Sold
2013
$0 in Loans Sold
2014
$0 in Loans Sold
2015
$0 in Loans Sold
2016
$0 in Loans Sold
2017
$0 in Loans Sold
2018
$0 in Loans Sold
2019
$0 in Loans Sold
2020
$0 in Loans Sold
2021
$0 in Loans Sold
Numbers Tell the Story
As a client, when you borrow at Fieldpoint Private your loan stays here. We do not repackage, reconstitute or re-sell our clients’ loans to other institutions, because we believe loans, handled properly, are advisory relationships, not transactions to be moved off the books.
Selling a client’s loan would compromise our advice. It would make us, in effect, a distributor of a transaction designed to become someone else’s investment. Would that loan be customized for your needs, or standardized for the needs of another organization that might wish to repackage and resell it?
The act of borrowing is an investment on your part, unlocking value in the assets you own in order to put that value to work in some fashion. We believe it should be an investment on our part, too. We are proud to extend trust to our clients, and to earn it in return.
The Graegin Loan
For families whose wealth is comprised of significant commercial or residential real estate holdings, the Graegin Loan is an estate planning technique that can be employed post-mortem, to help avoid a “fire sale” of family assets.
Learn More
Nicholas Bertha
Director of Wealth
and Trust Planning,
Fieldpoint Private Securities, LLC