Lower Your Company's Borrowing Costs with Strategic Cash Management

High interest rates can squeeze your bottom line, but smart businesses are fighting back. With Holdings, you can turn your company’s cash into a powerful tool to offset borrowing costs—without sacrificing liquidity or flexibility.

How Strategic Cash Allocation Lowers Your Effective Borrowing Rate

Let’s break it down:

• Borrow $1 million at 10% interest:
  Annual interest expense: $100,000

• Deposit that $1M into a Holdings account earning up to 3% APY:
  Annual interest earned: $30,000

Result:
Your effective borrowing cost drops to $70,000—a 30% reduction—just by putting your funds to work in a high-yield Holdings account.

Curious about other ways to boost your business’s financial efficiency?
Explore The 3 Ways to Grow Any Business for actionable strategies.

Why This Works for SMBs

• Capital Efficiency: Your borrowed cash isn’t idle—it’s earning daily interest, maximizing your returns.

• Risk Mitigation: With i3 Bank and Evolve Bank & Trust, your funds are protected—up to $3M or $5M in FDIC insurance, depending on the sweep program.

• Liquidity: Unlike traditional investments, your cash is always accessible with unlimited free ACH and wire transfers.

• No Fees: Holdings charges zero monthly fees, so every dollar you earn goes right back into your business.

Want to see how other high-performing companies optimize their finances?
Check out The Secret Levers Behind High-Profit Businesses (That Most Owners Miss).

Holdings: More Than Just a High-Yield Account

Holdings is your all-in-one financial operating system:

• Tiered high-yield banking:
  $50K–$250K: 1.5% APY
  $250K–$1M: 2% APY
  Over $1M: 3% APY

• Integrated accounting: Automated reporting and reconciliation

• Free invoicing & bill pay: Built into the platform

• Unlimited, fee-free money movement: ACH and wire transfers at no cost

Ready to modernize your business banking?
See The 80/20 Rule: The Simple Principle That Can Transform Your Business Finances.

Take Action: Make Your Cash Work Harder

Don’t let high rates erode your profits. With Holdings, you can:

• Reduce your effective borrowing costs

• Keep your cash liquid and accessible

• Simplify your financial operations with one easy platform

Want to compare Holdings to traditional banks?
Read The Hidden Cost of Banking in Fancy Buildings and Every Industry Evolves: Is Your Money Stuck in the Past?).

Curious how modern banking can transform your business?
Explore The Museum of Antiquated Finance: Why Modern Businesses Deserve Better Banking.

Open your Holdings account today and start slashing borrowing costs while gaining access to a full suite of financial tools built for SMBs.