Shape Plain Clothing Business

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. Our services include financial planning solutions tailored to your business needs.

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. Understanding these evolving financial needs is crucial for the success and growth of your business.

Your personal and business finances are closely connected. Working with a Shape Plain Capital 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. When you work with a Shape Plain Capital Wealth Advisor, you gain access to specialized services that cater to both your personal and business financial needs, aligning perfectly with your 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. Continue to build on your success with our range of solutions tailored to meet your evolving business needs. From financial strategies to protect your assets, to succession planning for the future, we have you covered..

Our business services include:

  • Cash Management Services that can help you manage your daily, short- and long-term business cash flow needs.
  • Retirement Planning that can help you set up retirement plans for yourself, your family and your employees.
  • Investment Strategies that provide a comprehensive plan that can help you build a balanced portfolio and utilize hedging strategies where suitable and appropriate.
  • Lending Solutions that give you access to customized loans through Shape Plain Capital 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 Planning 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 foundations

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. Our team of experts understands the unique challenges faced by nonprofit institutions, endowments, and foundations. We offer tailored guidance and support to help you navigate these complexities.

 Connect with a Shape Plain Capital Private Wealth Advisor.

Shape Plain Capital Private Wealth Advisor use their extensive training and knowledge to understand your opportunities and craft customized strategies to help meet your complex financial needs. Their team of highly trained professionals analyze your financial situation with precision and expertise, tailoring solutions to maximize your wealth potential.

Frequently asked questions

Expansion is often top of mind for business owners. Pursuing an IPO or growth through acquisition are important strategies for business owners to consider.  Additionally, customized loans through Shape Plain Capital can help you grow your business, finance new or existing property, or address emergency financing needs. Working with a Shape Plain Capital Private Wealth Advisor to explore these strategies can help you and your company prepare for what’s next. Consider evaluating the financial health of your company before making any major decisions. Utilize tools such as financial statements, cash flow analysis, and ROI calculations to determine the best course of action for your business.

Most business owners could benefit from a business succession plan. One of the important decisions a business owner must face is when and how to step out of the business. Working on a succession plan in advance can help you think about key questions, such as:
Do you expect to retire from your business?
What would happen to your business if you were to die today?
Do you have children you hope to bring into the business?  
These are questions only you can answer, and your answers will lead you and your financial and legal advisors to a course of action and a plan that will help you more easily navigate your eventual exit. Consider consulting with a business succession expert to guide you through the process of creating a comprehensive plan tailored to your specific needs and circumstances.

Business cash management services encompass the full range of accounts, tools and services that a business or business owner may need to manage the cash flows of their business. These services include, but are not limited to:
Checking and savings accounts
Mobile and online account access
Bill pay services
Merchant credit card processing
ACH, wire transfers and other funds transfer services
Debit and credit cards
These tools and services are essential for maintaining efficient financial operations and ensuring liquidity for day-to-day business activities.

Managing cash flow — how much money is going out the door versus how much is coming in — is essential for every business. Maintaining a healthy cash flow can help ensure that you have cash available for your needs today and in the long term. Optimal cash management includes forecasting expenses and earnings, tracking net cash flow, and having the right tools that can help you create a cash flow budget and update it regularly. Business owners may want to work with their banker or financial advisors to help ensure access to a robust suite of cash flow management tools as well as business lending facilities to manage business cash flow effectively. One important aspect of cash flow management is to regularly review and update your financial statements to ensure accuracy and reliability in your forecasting.

Banks and other lenders offer a wide range of business loans, many of which have customizable terms, to help purchase inventory and materials, refinance debt, expand operations or finance account receivables. Some examples include: SBA loans, equipment financing, and commercial real estate loans are among the options available to businesses seeking financial assistance.

  • Secured business credit lines
  • Unsecured business loans and lines of credit
  • Business auto loans
  • Commercial real estate loans
  • Equipment loans
  • Securities-based lines of credit

Working with a loan officer and/or credit specialist is the best way for business owners to evaluate and identify the loan that is most appropriate for their situation. Consulting with a loan officer or credit specialist allows business owners to access expert advice and tailored solutions for their financial needs.

For secured business loans or lines of credit, the amount of collateral required depends on a number of factors, including the total loan amount, the credit worthiness of the borrower, the type of collateral and the underwriting rules of the lender. Working with a loan officer and/or credit specialist is the best way for business owners to understand collateral requirements and identify the loan that is most appropriate for their situation. Business owners should be prepared to provide documentation such as financial statements, tax returns, and business plans when applying for secured business loans or lines of credit.

 Capability offered by Shape Plain Clothing, N.A., and its bank affiliates.
Capability offered by Shape Plain Clothing Business, Shape Plain Capital.
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. Before investing in these strategies, it is crucial for investors to thoroughly understand the associated risks and qualifications.