Capital and liquidity for the New York enterprise.
River Bank and Trust provides the sophisticated treasury infrastructure and flexible credit facilities required by middle-market firms and local enterprises navigating the complexities of the New York economy.
Treasury Management
Optimize your working capital with institutional-grade cash management. Our services at River Bank and Trust focus on accelerating receivables by minimizing the clearing time for digital and physical deposits.
- Remote Deposit Capture (RDC)
- ACH Positive Pay & Monitoring
- Zero Balance Accounts (ZBA)
- Cash Concentration Services
Commercial Lending & Credit
Fuel your expansion with credit facilities structured for the New York market. Our commercial lines of credit are designed with flexible draw periods to help businesses manage the gap between vendor payments and client invoicing.
Operating Lines
Short-term liquidity for seasonal fluctuations or inventory cycles with local underwriting.
SBA Program Participation
Active participation in SBA 7(a) and 504 programs for local owner-occupied real estate.
Merchant & Corporate Card Services
Streamline the point of sale and back-office spend. Our merchant services go beyond simple processing to include detailed reporting that helps retail businesses analyze peak sales hours and inventory turnover.
Corporate credit card programs include granular spend controls that allow administrators to set limits by category and individual employee roles.
The Ledger of Distinction
Local Credit Decisions
Decisions at riverbankandtrust are never made by an algorithm in another time zone. Our credit approvals are handled locally by bankers who understand New York borough market conditions and neighborhood property values.
Fraud Prevention Shield
Positive Pay and ACH monitoring provide a critical layer of security for companies managing high volumes of outbound transactions. We provide multi-token authentication and real-time alerts to stop unauthorized disbursements before they clear.
Cash Concentration Accounts
For organizations with multiple retail locations or medical offices, our cash concentration accounts allow funds to be consolidated automatically into a single interest-bearing master account every evening.
Service Specification Ledger
Standardized Corporate Windows (EST)
Bridge Loans in Action
A Queens-based logistics firm required immediate liquidity to secure a primary distribution hub before permanent financing was closed. River Bank and Trust structured a commercial bridge loan within 14 business days, allowing the client to maintain their competitive advantage in a tight real estate market.
Corporate Credit Application Guide
To expedite your commercial lending assessment at River Bank and Trust, please ensure the following documentation is organized. Final credit review is subject to standard federal regulations and internal assessment criteria.
Entity Documentation
- • Articles of Incorporation / Organization
- • Executed Operating Agreement
- • Federal Tax ID (EIN) Verification
- • Certificate of Good Standing (New York State)
Financial Statements
- • 3 Years Business Tax Returns
- • Interim P&L and Balance Sheet
- • Personal Financial Statements (Guarantors)
- • Accounts Receivable / Payable Aging
Inquiry for Commercial Services
Request a consultation with a Relationship Manager to review credit facilities or treasury setup.
Move your business forward.
Visit our commercial hub in the heart of the city or schedule an on-site visit from one of our specialists.
123 Main Street
New York, NY 10001, USA
+1 212-557-8774
Mon-Fri: 9:00-17:00
DISCLOSURE: Credit subject to approval. General terms and conditions apply to all business accounts. River Bank and Trust is the marketing name for commercial banking services provided by the institution. ACH and Wire limits are determined on an individual corporate basis following seasonal liquidity reviews.