Business Services

We offer access to capital, ways to help protect a company and its employees, and strategies to safeguard a business today and for your heirs.

As a business owner, you have unique financial needs that go beyond your personal finances, and those needs change as your business evolves, from just starting out to exiting the business.

Your personal and business finances are closely connected. Working with a Merrill Private Wealth Advisor lets you tap into a set of services designed to help meet the personal and corporate needs of business owners — in alignment with their personal wealth management strategy.

A full range of solutions, designed for business owners

We can help you navigate 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 manage excess cash. As your business grows, we can 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. And when you’re ready to think about your next chapter, we’re here to help you craft a succession plan.

Our business services include:

  • Cash Management Services1 that can help you manage your daily, short- and long-term business cash flow needs.
  • Retirement Planning2 that can help you set up retirement plans for yourself, your family and your employees.
  • Investment Strategies2,3 that provide a comprehensive plan that can help you build a balanced portfolio and utilize hedging strategies where suitable and appropriate.
  • Lending Solutions1 that give you access to customized loans through Bank of America to help you grow your business, finance new or existing property, or address emergency financing needs.
  • Trusts and Estates services that allow you to develop a plan based on your wishes for your business and heirs, including wealth transfer strategies.
  • Succession Planning1 strategies and merger-and-acquisition referrals that help you guide your business through acquisition, selling a division or exiting by selling to a third party.

Solutions for non-profits, endowments and foundations2

With a long history in supporting institutions, we can help address your organization’s needs and provide ongoing guidance on industry-wide best practices in mission advancement, leadership development and fiduciary review and support. Navigating the complexities of running a nonprofit institution, endowment or foundation, and taking a comprehensive approach to your investments, is far from a one-size-fits-all proposition.


Connect with a Merrill Private Wealth Advisor.

Frequently asked questions

1 Capability offered by Bank of America, N.A., and its bank affiliates.

2 Capability offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.

3 Hedging 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.

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