Business related services

We have the tools, resources and expertise you need to help build, grow and protect your business or even put a succession plan in place.

Our Approach

As a business owner, you have many unique needs. We understand that. And we understand business. That’s why we offer a large range of services and can develop strategies that may help you with whatever comes your way. For many this starts with access to working capital to manage the day-to day or an overall financial strategy to invest and manage excess cash. As your business grows, we can help you plan for the future and help you protect your company and employees from the unexpected, by working toward safeguarding your business and your family’s future with business continuation and wealth transfer services.

Investing should reflect your short and long-term goals and strengthen both your business and personal financial situations. No matter what business you’re in, you should be getting value from it. We’ll work with you in a time-sensitive manner, knowing that you face competing demands from your business and personal finances.

Services

Cash management services

Manage your daily, short and long-term business cash flow needs.

Lending solutions2

Customized loans can help you grow your business, finance new or existing property or address emergency financing needs through Bank of America.

Retirement planning

Setup retirement plans for yourself, your family and your employees.

Trusts and estates

Develop solutions based on your wishes for your business and heirs, including wealth transfer strategies.

Investment strategies1

A comprehensive plan can help you build a balanced portfolio and utilize hedging strategies that are in your best interest.

Succession planning

Whether building your business through acquisition, selling a division or exiting by selling it to a third party, we can provide succession planning strategies through our merger-and-acquisition referrals.

A private wealth advisor can help you learn more.

Find an advisor

Related Capabilities

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1Hedging and Monetization strategies can result in higher return potential but also higher loss potential. Prospective investors are required to meet certain qualifications and acknowledge they understand the risks associated with certain hedging and monetization strategies that may not be suitable for all investors.

2Access to customized lending services available through Bank of America

Investing involves risk. There is always the potential of losing money when you invest in securities. Past performance does not guarantee future results. Asset allocation, rebalancing and diversification do not guarantee against risk in broadly declining markets.

Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Additional information is available in our Client Relationship Summary. 

This material does not take into account a client’s particular investment objectives, financial situations, or needs and is not intended as a recommendation, offer, or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining which service or services to select. For more information about these services and their differences, speak with your Merrill financial advisor.

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”).  MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp.

Merrill Private Wealth Management is a division of MLPF&S that offers a broad array of personalized wealth management products and services. Both brokerage and investment advisory services (including financial planning) are offered by the Private Wealth Advisors through MLPF&S. The nature and degree of advice and assistance provided, the fees charged, and client rights and Merrill’s obligations will differ among these services. Investments involve risk, including the possible loss of principal investment.

The banking, credit and trust services sold by the Private Wealth Advisors are offered by licensed banks and trust companies, including Bank of America, N.A., Member FDIC, and other affiliated banks.

Trust, fiduciary and investment management services, including assets managed by the Specialty Asset Management team, are provided by Bank of America, N.A., Member FDIC and wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”), and its agents.

Bank of America Private Bank is a division of Bank of America, N.A.

U.S. Trust Company of Delaware is a wholly owned subsidiary of Bank of America Corporation.

Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.

Investment, insurance and annuity products:

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