Once you run more than one company, banking becomes a group question. Each entity needs its own accounts, but the decisions about intercompany flows, signing authority and visibility affect the whole group.
The mistake in group banking is solving each entity on its own. Intercompany loans, shared costs and cross-charges all move money between entities, and each movement has to be explainable. The assessment starts with the group chart and traces the money across it.
Account opening is a separate service; this assessment designs the set-up and does not open accounts or promise any provider decision.
Which entity contracts with customers, which holds assets, which pays staff.
Loans, fees, shared services, dividends, with direction and currency.
Who can move money in each entity, and whether one person is a single point of failure.
Whether you can see all balances without logging in to many places.
Central structure: Strong, one place to look; Entity-level independence: Each entity self-contained
Central structure: One problem can reach several entities; Entity-level independence: Problems stay local
Central structure: Easier to document; Entity-level independence: Needs discipline
Central structure: Entities are tightly linked; Entity-level independence: Entities serve separate businesses or jurisdictions
Related entities in different countries may have tax and regulatory consequences for intercompany flows; a qualified professional should review them.
You supply every entity and its country, including entities you plan to add, so the chart covers the group as it will be and not only as it is.
We trace each payment between entities with its reason and direction, so no flow is left running on an informal understanding.
Where several entities rely on one provider or one signatory.
We set out two or three banking layouts for the group, each with its trade-offs and the questions it leaves for your advisers, instead of a single answer.
This is business and structuring analysis, not legal, tax or investment advice. Where a legal or tax opinion is needed, we say so and point you to a licensed adviser.
No. It addresses banking and payment architecture. Tax structuring needs a qualified tax professional.
Opening accounts is a separate service.
Then the assessment can inform how entities are structured, alongside a structure review.
No obligation. We read your request and reply with a straight answer.
Describe your plan and your constraints. We reply with what we would look at first.
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