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Compensating Balances for Business LoansCompensating Balances for Business LoansFiserv 2014 2015 Fiber, Inc. or its affiliates. All rights reserved. This work is confidential and its use is strictly limited.
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How to fill out compensating balances for business

01
Determine the amount of compensating balance required by your bank. This is usually a percentage of the loan amount.
02
Calculate the total loan amount and identify the funds that can be used as compensating balances. These funds should be readily available and can include business savings, certificates of deposit, or other liquid assets.
03
Fill out the compensating balance agreement provided by your bank. This document will outline the terms and conditions of maintaining the compensating balance.
04
Submit the filled-out compensating balance agreement to your bank along with the required funds. Ensure that you understand the impact of these funds being tied up as compensating balances and how it may affect your cash flow.
05
Monitor your account regularly to ensure compliance with the compensating balance agreement. Maintain the required balance and be aware of any fees or penalties for falling below the specified amount.
06
Keep track of any changes in your business's financial situation that may affect the need for compensating balances. Communicate with your bank if adjustments need to be made.

Who needs compensating balances for business?

01
Businesses that need compensating balances for business are usually those that require loans or have a banking relationship with a financial institution.
02
Common candidates for compensating balances include small businesses, startups, and companies with limited credit history or lower credit ratings.
03
Compensating balances can also be required by banks as a condition for providing certain financial services or credit facilities.
04
Additionally, businesses that have irregular cash flows or may not meet the bank's traditional collateral requirements may need compensating balances as a way to mitigate risk for the lender.
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Compensating balances for business refer to minimum balances that a business must maintain in a bank account in order to compensate for services provided by the bank.
Businesses that have a lending relationship with a bank may be required to maintain compensating balances.
To fill out compensating balances for business, the business must ensure that they are maintaining the required minimum balance in their bank account.
The purpose of compensating balances is to ensure that the bank is able to cover the cost of providing banking services to the business.
The information that must be reported on compensating balances includes the minimum balance required, the terms of the banking agreement, and any related fees.
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