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Faq's

Frequently Asked Questions

FAQs on International Wire Transfers

  • What is the minimum balance?

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  • What is the rate of interest?

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  • When will I receive my account statement?

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  • Can I use any branch across India?

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  • How safe/secure is our net banking a/c?

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  • How you safe/secure is our net banking a/c?

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  • Who can I contact for any questions about international payments?

    Please contact our 24/7 multilingual customer support via email or chat. Our team is happy to assist you with any questions.

  • Do you offer multi-factor authentication for added security?

    For your protection, we provide optional multi-factor authentication using text, email or voice call verification when transacting.

  • Can I save transfer templates for recipients I pay frequently?

    Absolutely, you can create and securely save templates with recipient details, eliminating the need to re-enter them every time.

  • Is there a fee for canceling or returning a wire transfer?

    A fee may apply if a transfer needs to be returned or reversed once processing is initiated due to incomplete or incorrect information provided.

  • Do you offer better exchange rates than traditional banks?

    Yes, we provide highly competitive foreign exchange rates across major global currencies, saving you money compared to rates at other providers.

  • Can I make an international wire transfer using my mobile device?

    Yes, our online banking platform is mobile-friendly so you can easily initiate international wire transfers using your smartphone or tablet anywhere.

  • How much do I need to open a savings account?

    Just a minimum deposit of $100.

  • Can I open an account online?

    Absolutely! Our digital platform allows for a seamless online account opening process.

  • Are there any transaction limits?

    No, enjoy unlimited transactions with your PFG savings account.

  • Is there a fee for using PFG’s online or mobile banking?

    No, PFG offers these services free of charge for all individual account holders.

  • What should I do if I forget my password?

    Click on the “Forgot Password” link on the login page and follow the prompts. Alternatively, contact our helpline.

  • Is my data safe with the mobile app?

    Absolutely! Our app employs advanced security measures to protect your data and transactions.

  • How can I apply for a PFG card?

    Visit our nearest branch, apply online, or call our helpline to start the application process.

  • What should I do if my card is lost or stolen?

    Immediately report it through our online platform or call our 24/7 helpline.

  • Are there annual fees for the cards?

    Some cards come with annual fees, while others might be waived based on usage. Please refer to the card’s terms and conditions.

  • Can I withdraw my investment anytime?

    Yes, most investments can be liquidated, but the time frame varies based on the type of investment. Some might have penalties or lose potential gains if withdrawn early.

  • Is there a minimum amount required to start investing?

    You can start investing with as low as $100, but certain investment products might have their own minimums.

  • How are my investments taxed?

    Taxes vary based on the type of investment and your individual circumstances. We recommend consulting a tax advisor for specifics.

  • Can multiple employees access our corporate banking platform?

    Yes, our platform supports multi-user access, allowing you to define roles and set permissions accordingly.

  • Is there a mobile app tailored for corporate users?

    Absolutely! Our corporate mobile banking app is designed specifically for businesses, offering a suite of tools for efficient financial management.

  • How do we integrate our existing systems with PFG’s platform?

    Our team can guide you through the integration process, ensuring compatibility and smooth functionality.

  • Is there a prepayment penalty?

    No, PFG does not charge any penalties for early loan repayments.

  • What is the maximum loan tenure?

    Our consumer loans offer tenures up to 10 years, depending on the loan amount and purpose.

  • Can I apply with a co-applicant?

    Yes, adding a co-applicant can enhance your loan eligibility and borrowing limit.

  • Is there a fee for using the cash management tools?

    Basic features are available for all PFG customers. Premium tools might have a nominal fee. Details can be found in our fee structure.

  • How do I integrate other bank accounts into the PFG dashboard?

    Our platform supports integration with major banks. Simply add your account details under the “Link Accounts” section.

  • Can I access the cash management platform on mobile?

    Absolutely! Our mobile app offers full functionality for on-the-go financial management.

  • Who can I contact to explore customized project financing?

    Reach out to our project financing team online or by phone. We’re excited to learn about your ambitious vision and craft collaborative financing solutions.

  • What differentiates your project financing experience?

    Our team’s specialized expertise, creative deal structuring, passion for empowering unconventional ideas, and hands-on support make us sought-out partners for complex projects.

  • Do you offer any 1870 regulatory or compliance advisory services?

    We maintain relationships with top law firms and compliance advisors to supplement our internal expertise in navigating complex regulatory environments.

  • What resources can you provide to support prototype development and piloting new tech?

    Our networks connect projects to technical partners, shared lab spaces, scaled manufacturing providers, and pilot customers to test innovations effectively at each stage.

  • What options exist if project delays or overruns impact financing needs?

    Close progress monitoring lets us rapidly inject additional liquidity, restructure payments, waive covenants, or recapitalize to maintain project stability if headwinds arise.

  • How do you measure the potential impact of projects focused on sustainability and social good?

    Detailed impact assessments measure reach, underserved communities accessed, economic multiplier effects, alignment with UN SDGs, and benefits delivered to society and the planet.

  • What operational diligence do you conduct on infrastructure projects?

    We thoroughly evaluate technical designs, traffic studies, environmental factors, contractors, timelines, and project management plans to ensure feasible execution.

  • How customized are your financing solutions for each unique project?

    Each deal involves intensive collaboration to create tailored solutions – from deal structure to milestones, oversight, and beyond – tuned to address distinct objectives and risks.

  • What is your experience financing projects internationally?

    Our team has funded complex projects across 6 continents. We navigate local regulations, risks, and partners to provide development capital globally.

  • How can you support projects through economic cycles and external shocks?

    Our long-term partnership approach and creative problem solving helps us support portfolio projects through inevitable downturns and external events beyond their control.

  • How can you empower unconventional founders overlooked by other capital sources?

    We move quickly, offer creative deal structures, provide operational support, and focus on big ideas over pedigree to fund exceptional underrepresented founders.

  • What higher-risk sectors do you focus on?

    We specialize in emerging niches like cannabis, CBD, fintech, alt energy, alt protein, blockchain, and more – providing flexible capital tailored to each unique model.

  • How do you fund expansion projects and improvements?

    We offer expansion loans, refinancing, equipment financing, and growth capital to enable organizations to fund their next chapter of rapid growth.

  • What operational support do you offer struggling companies?

    Our turnaround specialists can provide liquidity, negotiate claims, make executive changes, right-size operations, and guide organizations back to stability.

  • How can you support early-stage founders and startups?

    We provide pre-seed and seed financing, connections to experts/vendors, and operational support to turn concepts into working prototypes and completed products.

  • What types of financing do you offer social enterprises and nonprofits?

    Offerings include affordable debt, program-related investments, equity, and tailored hybrid instruments to scale impact while optimizing cost of capital.

  • How can you provide funding to pre-revenue technology startups?

    We offer creative instruments like venture debt, R&D loans, and royalty financing that provide non-dilutive growth capital to tech startups pre-revenue.

  • What emerging technologies do you provide growth capital for?

    We fund innovations in sectors like biotech, agtech, advanced materials, cleantech, robotics, space technologies, quantum computing, AI/ML, battery tech, and more.

  • How can you support complex, long-term infrastructure builds?

    Our project finance expertise allows us to structure multi-year loans, milestone funding, risk protections, and oversight to successfully deliver large scale, long-term assets.

  • What types of large infrastructure projects do you finance?

    We finance projects including roads, bridges, ports, airports, power plants, renewable energy farms, water treatment facilities, hospitals, and other vital infrastructure.

  • How does your funding process compare to traditional lenders?

    Our process is significantly more streamlined. We use technology to simplify and accelerate the experience from application to funding.

  • What are the main steps in your funding process?

    The steps include proposal submission, underwriting review, approval decision, documentation, and funding disbursement. We aim to minimize friction and lag times between steps.

  • How long does the entire funding process take?

    For qualified applicants who provide prompt responses, we can provide funding decisions in days or weeks and have capital disbursed in as little as 2-4 weeks.

  • What online platform do you use to manage the funding process?

    Our proprietary online portal centralizes document sharing, status tracking, notifications, and collaboration to streamline the funding process.

  • How much paperwork and documentation is required?

    We aim to minimize paperwork requirements and customize document collection to only what’s essential based on the project specifics.

  • Can the process be completed entirely online?

    Yes, our process utilizes digital platforms for file sharing, communication, signatures and more. However, some original hard copy documents may still be required.

  • How transparent is your underwriting and approval process?

    We provide clear timelines, milestones, and guidance at every step. Our specialists are available to answer all funding process questions.

  • How are projects assigned to underwriting teams?

    Industry specialists conduct reviews based on project type, sector expertise, and experience with similar financing structures.

  • What happens if a project is not initially approved?

    Declined applicants can request detailed explanations and feedback. Many projects can be reworked and improved for reconsideration.

  • How can I check the status of my funding application?

    You can conveniently check real-time status and outstanding tasks via the online portal dashboard anytime.

  • Can your process accommodate larger or more complex projects?

    Yes, our tailored approach scales to support financing needs from $5 million up to over $1 billion for sizable, complex projects.

  • How does your due diligence process differ from other lenders?

    We use a structured risk assessment framework adjusted to each asset class rather than one-size-fits all checklists to streamline relevant diligence.

  • Can your process easily incorporate co-investors or debt partners?

    Absolutely, we routinely coordinate synchronized diligence, reviews, approvals and closings between multiple financing parties.

  • How do you decide what projects get escalated for senior approval?

    Deals above set size limits, certain asset classes, or those with atypical structures or risks are escalated to senior committees. The majority of deals follow standardized approval paths.

  • What legal documentation is required?

    Typical documents include financing agreements, security documents, and standard closing certificates. We use templated documents to accelerate drafting and negotiation.

  • How are funds disbursed after final approval and closing?

    Loan disbursements are wired upon closing per agreed schedule. Equity and debt draws are funded against milestones and use of proceeds covenants.

  • What support do you provide after funding?

    Dedicated portfolio managers provide ongoing support, monitor progress, assist with milestones, and consider follow-on financing requests.

  • How do you make process improvements over time?

    Client input and reviews inform enhancements. We stay on top of fintech innovations and best practices to continually refine and streamline.

  • What differentiates your funding process and client experience?

    Our use of streamlined technology, specialized expertise, structured workflows, client-centered mindset, and relationship approach differentiate our funding experience.

  • Who can I contact to learn more about getting funded?

    Please visit our website or reach out to our funding specialist team to begin a conversation and explore customized solutions.

  • How do you help clients develop a treasury technology roadmap?

    We partner with clients to diagnose pain points, evaluate solutions, and develop a phased implementation plan to address needs and maximize benefits.

  • How quickly can your solutions be implemented?

    We provide rapid implementation services, leveraging flexible configurations and integration accelerators to deliver value in weeks or months versus years.

  • What reporting and analytics do you provide around treasury metrics?

    Robust dashboards, KPIs, drill-down reports deliver real-time visibility into cash positions, transactions, DSO, DPO, risk, and working capital efficiency.

  • How can you help us offer dynamic discounting to our customers?

    We automate early payment discount offers to accelerate receivables, improve customer satisfaction, and provide mutual benefits.

  • Do you support digital invoicing and eInvoicing standards?

    Absolutely, our solutions support delivery and receipt of supplier invoices in standardized digital formats to enable automation.

  • How do you help clients enhance bank relationships and services?

    We benchmark providers, negotiate better deals leveraging aggregate client volume, streamline connectivity, and advise on optimizing services.

  • How are your treasury experts staying current on complex regulations?

    Our regulatory specialists monitor rule changes across jurisdictions and work with clients to interpret impacts and maintain compliant policies and procedures.

  • What solutions help ensure treasury compliance and controls?

    We facilitate transaction monitoring, access controls, automated reconciliations, regulatory reporting, business continuity planning, and data security.

  • How can you help with FX and financial risk management?

    We deliver self-service FX execution, hedging strategies, risk analysis, and market intelligence to support treasury operations globally.

  • What options do you provide for automating payables workflows?

    Our solutions enable PO-based workflows, dynamic discounting, cross-border payments, enriched remittances, invoice handling, and AP process automation.

  • Do you offer procurement and supply chain cost optimization?

    Yes, we help consolidate spending, enforce policies, generate supplier rebates, share data, and provide demand visibility to reduce TCO.

  • How do you help with cash forecasting and planning?

    Our tools facilitate short and long-term cash forecasting, scenario modeling, variance analysis, and driver-based projections to optimize planning.

  • Can your solutions be integrated with our ERP system?

    Absolutely, we routinely integrate with all major ERP and accounting platforms, ensuring our solutions augment your core systems.

  • What bank connectivity options do you support?

    We leverage channels like SWIFT, host-to-host, bank proprietary networks, and APIs for seamless global bank integration and transaction processing.

  • How can you help optimize our working capital?

    From inventory and supply chain management to streamlining AR/AP processes, we provide tailored solutions to help forecast, manage, and improve working capital.

  • Do you offer managed treasury services?

    Yes, we can provide partial or fully outsourced management of treasury operations, including payables, receivables, bank connectivity, and risk management.

  • How can we accelerate order-to-cash and improve cash flow?

    By connecting order management, billing, collections, receivables, cash application and credit management we can optimize and accelerate your entire order-to-cash process.

  • What solutions do you offer for streamlining procure-to-pay processes?

    We automate the full procure-to-pay cycle including touchless ordering, invoicing, approval workflows, AP automation, dynamic discounting, and integrated payments.

  • How can you help us centralize global cash visibility and control?

    Our treasury workstation consolidates real-time cash positions across all entities and bank accounts in a single dashboard for visibility, forecasting, and cash flow optimization.

  • What treasury management services do you offer?

    We offer a full range of treasury services including cash positioning and forecasting, liquidity monitoring, payments, FX and risk management, bank connectivity, and regulatory compliance across borders.

  • What types of social impact projects do you provide financing for?

    We finance projects driving sustainability, community development, empowerment, access to vital resources, health improvements, economic opportunity, and other positive societal outcomes.

  • How do you measure the potential social impact of projects?

    We conduct in-depth impact assessments evaluating reach, scale, measurable benefits, alignment with human/environmental needs, and contribution to the UN Sustainable Development Goals.

  • Do you only fund non-profit projects?

    No, we provide financing to non-profits, social enterprises, triple bottom line companies, and mission-driven for-profit businesses creating tangible social impact.

  • What financing instruments do you offer for social impact projects?

    We utilize loans, project finance, equity, revenue-based financing, social impact bonds, and innovative hybrid instruments tailored to each project.

  • How do you determine the financing terms and structure?

    We align terms like tenor, repayment schedule, and interest rate to each project’s cash flows, savings generated, and impact goals to balance sustainability with impact.

  • Do you provide guidance to help projects succeed?

    Absolutely. We provide strategic advice, impact measurement support, connections to aligning partners, and guidance around governance, leadership, and executing business plans.

  • What level of community involvement do you require in projects?

    We expect extensive community consultation, support, engagement and input into all projects to ensure they address true needs and priorities.

  • Can you finance international social impact projects?

    Yes, we fund high-potential social impact projects worldwide focused on expanding access, empowerment, sustainability, and human development globally.

  • How do you measure the success and impact of projects post-funding?

    We track impact KPIs like reach, beneficiaries served, progress towards SDG goals, 3rd party impact assessments, and measurable improvements in lives and communities.

  • How do you ensure funded projects stay true to their social missions over time?

    Governance structures, impact reporting requirements, aligned incentives, and active engagement help maintain mission focus as projects scale.

  • What is the typical financing amount and project duration?

    We provide financing from $250k up to $20 million over 3-10 year durations, tailored to each project’s needs and cash flow projections.

  • What due diligence do you conduct before financing social impact projects?

    Robust due diligence examines leadership, partners, financial sustainability, impact model, community ties, local support, risks, and growth projections to ensure fit.

  • Do you finance advocacy initiatives and political activities?

    Our funding focuses primarily on tangible initiatives like access to resources, economic opportunity, sustainability, health, and education over advocacy efforts.

  • How can I get started discussing potential financing for my social impact organization?

    Let’s talk! Reach out to our specialist online or schedule a consultation to explore customized financing options.

  • Do you have certain focus areas or causes you prioritize?

    While sector agnostic, we actively seek out projects advancing sustainability, healthcare access, economic mobility, education, gender equity, and human rights.

  • Can you provide multi-year project financing commitments?

    Absolutely, we will tailor financing terms like tenor, repayment schedule, covenants and milestones to match multi-year social impact project timelines when appropriate.

  • Do all funded projects need to generate positive financial returns?

    While some level of cost recovery is needed for sustainability, we structure some financings to maximize social over financial returns based on project-specific factors.

  • Can you finance both non-profit and for-profit entities within an initiative?

    Yes, we will provide customized financing to both entities involved in collaborative social impact projects based on their respective roles and needs.

  • How can I partner with Bice Capital on co-financing large initiatives?

    We actively bring partners to the table to provide collaborative financing and broad expertise. Let us know how we can help fund and expand your vision.

  • Do you have relationships with major foundations that finance social impact?

    Absolutely. We can leverage our ties with leading social impact foundations and funders to unlock synergistic co-investing opportunities.

  • Who can I contact to discuss my specific startup funding needs?

    Please reach out to us online or schedule a call with our startup funding specialists to explore your funding options.

  • Do you fund startups focused on social impact and sustainability?

    Absolutely. We actively seek out startups tackling pressing societal and environmental challenges.

  • How long does the funding process take from application to receiving funds?

    We aim to provide funding decisions rapidly in just days or a few weeks. Once approved, we can disburse funds in as little as 2-3 days.

  • What can I provide if I don’t have financial statements for a pre-launch startup?

    Early traction, projections, prototypes, competitive analysis, and evidence you’ve spoken with potential customers can supplement a lack of financials.

  • What types of startups will you not fund?

    We do not fund startups directly involved in unethical, illegal, or professional service-based businesses without a scalable technology component.

  • How much equity do you require when making an equity investment?

    Our flexible approach looks to take only the minimal equity needed to fund the startup’s growth. We aim for 5-20% ownership in early rounds.

  • Does the founder(s) need to personally guarantee startup loans?

    Personal guarantees are based on loan amount and risk profile. Many of our smaller loans do not require founders to provide personal guarantees.

  • How can I apply for startup funding?

    You can easily apply for funding on our website. We aim to provide fast turnaround on funding decisions, often within days for qualified applicants.

  • What industry verticals do you focus on?

    We are sector agnostic and fund startups across all major industries from healthcare to fintech to education, agriculture, energy, and more.

  • Do you participate in follow-on startup funding rounds?

    We selectively co-invest in our portfolio startups, often participating in Series A and beyond to continue fueling their growth.

  • How involved are you in the startup’s operations after funding?

    We aim to empower founders to run their startups independently while providing advice and support as needed or requested.

  • Do you provide guidance and mentoring along with funding?

    Our experienced team mentors startups on strategy, product-market fit, pivots, next fundraising, and avoiding common mistakes.

  • Do you finance international startups and founders?

    Yes, we fund global startups and can support foreign founders establishing US operations.

  • How can underrepresented founders access your startup funding?

    We actively reach out to women, minorities, and immigrant entrepreneurs. Please contact us directly to discuss your startup.

  • What is your minimum funding amount?

    We have funded startups with as little as $50,000 in early seed rounds and can provide funding up to $5 million or more as they scale.

  • How can you provide capital to startups with little collateral or assets?

    We take an innovative approach focused on future potential over assets. We secure innovative financing with intellectual property, equity stakes, revenue sharing, and other creative forms of collateral.

  • What startup funding instruments do you offer?

    We offer loans, venture debt, revenue-based financing, convertible notes, equity financing, and creative hybrid instruments tailored to each startup’s needs.

  • Do you finance pre-revenue startups?

    Yes, we provide pre-seed, seed, and pre-Series A financing for high-potential startups even before they have revenue or customers.

  • How do you evaluate and select startups to finance?

    More than just financials, we evaluate the startup’s product, market potential, business model, traction, team experience, and ability to positively impact their industry.

  • What types of startups do you provide funding for?

    We fund innovative startups in all industries, focused on the strength of their idea, team, and potential – not financial history.

  • What industries do you have experience financing projects in?

    We have in-depth expertise across industries including infrastructure, renewables, technology, biotech, manufacturing, real estate, healthcare, financial services, and more.

  • How does your industry experience help guide projects you finance?

    Our firsthand experience allows us to provide valuable insights on trends, project best practices, operations, supply chain design, and other critical factors to help ventures succeed.

  • Do you make introductions to partners that can help projects?

    Yes, we love connecting our portfolio companies to experts, advisors, suppliers, and operational partners from our networks who can augment their capabilities.

  • What type of technical support do you provide?

    Our technical specialists advise on design, engineering, construction, capacity planning, site selection, technology evaluation and implementation, IT systems, and relevant operational aspects.

  • How do you assist with project financial modeling and planning?

    Our finance experts help build credible projections, run sensitivities, stress test assumptions, establish milestones, spot potential issues, and refine business plans.

  • Do you provide support on organizational design and talent recruitment?

    We offer perspectives on optimal organizational structures, managing growth, staffing for current and future needs, compensation, and tapping our networks to find great talent.

  • What governance guidance do you offer projects and boards?

    We help establish governance models that reinforce oversight, controls, transparency, balanced incentives, and accountability to all stakeholders.

  • How do you help projects expand to their next stages and phases?

    From advising on geographical expansion, new verticals, follow-on fundraising, and potential exits, we provide strategic guidance through all key inflection points.

  • Do you get involved in project execution and operations?

    We take a hands-off approach to operations but provide periodic progress oversight to ensure execution stays on track against projections and to advise through challenges.

  • What resources help projects benchmark their performance?

    We offer market intelligence, comparative data from our portfolio, connections to industry groups, and transparency into typical KPI ranges to benchmark appropriately.

  • How do you support projects through down cycles or challenging periods?

    Our long-term, partnership-focused approach provides continuity of expertise and support through inevitable industry fluctuations and rough patches that arise.

  • Do you connect projects across your portfolio for mutual benefits?

    Absolutely, we actively facilitate connections and shared learnings between portfolio companies with complementary capabilities or operating in related spaces.

  • How proactive are you in providing advice and expert perspectives?

    We take a collaborative approach – providing guidance when requested by projects but avoiding overstepping or interfering in day-to-day operations.

  • Do you provide help with supply chain management and logistics?

    We offer insights on supplier selection, contracting, inventory management, distribution models, logistics partnerships, and supply chain optimizations specific to each project and industry.

  • What resources are available to assist with financial reporting and planning?

    Our team includes finance experts who can provide financial modeling support, reporting templates, growth forecasts, KPI benchmarking, and overall finance advisory.

  • How can you help projects expand globally?

    We leverage our global experience and networks to assist with market prioritization, localization strategies, finding partners, compliance, cross-border financing and more.

  • Do you facilitate introductions to later stage investors as projects mature?

    Yes, we continually evaluate options to bring in additional growth capital, connections for a future exit, or refinancing and make warm introductions to qualified investors.

  • How involved are you in helping projects evaluate and adopt new technologies?

    We take a consultative role in advising on relevant technologies, implementations, and tech partners based on deep expertise around emerging solutions and pitfalls to avoid.

  • Do you provide support across the full project lifecycle?

    Absolutely – from initial feasibility to financing, launch, growth phases, expansions, recapitalizations, and eventual exits or transitions, we stick by projects through every stage.

  • How can I learn more about the guidance you provide beyond capital?

    Reach out for a discussion on your project needs and objectives. We’re excited to explore how our expertise and connections can empower your venture.

  • How do you conduct due diligence on prospective deals and projects?

    We perform in-depth due diligence on the technical engineering, legal, financial, market, operational and execution risks involved to fully understand projects.

  • What financing structures do you use to allocate risks appropriately?

    We utilize diversified capital stacks, cashflow waterfalls, reserves, milestones-based funding, and layered equity/debt tailored to the risk profiles of different investor classes.

  • When do you require personal guarantees from sponsors?

    Personal guarantees are considered based on loan amounts, perceived risks, sponsor strength, and whether collateral fully covers exposures. They provide an extra layer of protection on higher risk loans.

  • What types of covenants do you impose to mitigate risks?

    Typical covenants we require include maintenance of certain debt ratios, liquidity levels, profitability, milestone achievement, limits on distributions, insolvency triggers, and other controls aligned to risks.

  • How are oversight controls determined for each deal?

    Deal-specific oversight ranges from regular covenant and milestone compliance reporting to installing independent board seats, controls on spending, audits, and increased lender consent rights.

  • How do you adjust risk mitigation strategies over a project’s lifecycle?

    Earlier stage projects require tighter covenants, reserves, milestones and monitoring. As projects derisk, we can prudently relax strict provisions through refinancing or amendments.

  • How do you avoid excessive risk concentrations in the portfolio?

    Diversification limits, industry/sector caps, and avoiding correlated risks prevents overexposure to specific projects. We also syndicate larger loans.

  • Under what circumstances would you walk away from a risky deal?

    If critical risks like technology viability, execution team, or environmental factors cannot be sufficiently mitigated through diligence and structuring, we will let the deal go.

  • Do you conduct sensitivity analysis when evaluating projects?

    Yes, we model downside scenarios, stress test key assumptions, assess break-evens, and determine potential impairment impacts across varied scenarios.

  • How do you size reserve accounts and holdbacks on deals?

    Reserve account and holdback sizing considers potential contingency funding needs, operating deficits, development delays, cost overruns, and cashflow timing mismatches.

  • What credit enhancements do you require on high risk loans?

    We utilize guarantees, insurance wraps, hedging strategies, overcollateralization, intercepts, and other credit protections to offset risks that can’t be directly mitigated.

  • Do you require full recourse to sponsors?

    Recourse requirements are based on overall deal structure, collateral coverage, and risk assessments. We avoid deals requiring full recourse except for narrowly tailored carveouts.

  • Do you conduct background checks on management teams?

    Yes, background checks along with professional reference diligence provides critical data on execution experience and trustworthiness of sponsor teams who ultimately drive repayment.

  • How do you structure equity investments to balance risks?

    Preferred stock, warrants, liquidation preferences, conversion options, pro rata rights, negative covenants, and other instruments align equity risks with growth-stage companies.

  • What kinds of project insurance do you require sponsors to carry?

    Typical policies include builder’s risk, business interruption, general liability, cyber security, key person coverage, and specialized policies depending on asset types involved.

  • How does portfolio concentration risk management differ from traditional credit limits?

    Along with typical exposure caps, we also limit sector overlaps, technology risks, macro factor correlations, and other portfolio-level risks not addressed in siloed limits.

  • Do you conduct technological due diligence internally or use third party experts?

    We leverage both internal engineering resources and respected third party specialists to diligence specialized technology, construction, and operational risks.

  • How detailed are the financial models and projections you require from sponsors?

    Detailed long-term models projecting cashflows, ratios, contingencies, operational metrics, and financing terms under varied scenarios are required to fully diligence risks.

  • How do you structure investments into high growth companies to mitigate risks?

    Milestone-based capital deployment, ratchets, installments, and other incremental funding based on derisking events and attaining KPIs decreases risk in startups.

  • What operational and financial monitoring do you conduct post-funding?

    Robust monitoring includes covenant tracking, milestone management, audits, risk profiling, stress testing, and transparent reporting to allow early risk identification.

  • What personal banking products and services does PFG offer?

    PFG offers a full suite of personal banking products and services designed to help you achieve your financial goals and make day-to-day banking easy and convenient. Our personal banking offerings include: Checking and savings accounts – We offer checking and savings accounts with competitive interest rates and a variety of features to fit your needs. This includes free checking, high-interest savings, money market accounts, and CDs. Mortgages and loans – Whether you’re looking to purchase a home, refinance your mortgage, consolidate debt, or finance other major purchases, we have mortgage and personal loan options with competitive rates and terms. Credit cards – Our credit cards offer rewards, cash back, balance transfer options, and other benefits and features. We have cards for every type of spender and financial situation. Financial advice – Our team of banking experts can provide personalized financial advice and money management solutions to help you budget, save, invest, manage debt, and more. Online and mobile banking – Manage your accounts anytime, anywhere with our user-friendly online and mobile app. Pay bills, transfer money, deposit checks, set account alerts, and more. Access your money – With over 500 branches and ATMs nationwide, as well as fee-free access to 100,000+ ATMs, you’ll always have access to your money.

  • What types of checking accounts does PFG offer?

    PFG offers several types of checking accounts to meet diverse needs: Free Checking – Our basic free checking has no monthly maintenance fees and no minimum balance requirements. It allows a limited number of free transactions per month before fees apply. Great for basic banking needs. Interest Checking – This account pays a higher interest rate on balances but requires a minimum balance and monthly direct deposit. A good option for using your account as a high-yield savings vehicle. Senior Checking – Designed for customers over age 50, this account has no monthly fees and earns interest on balances. It also provides free checks and other benefits. Student Checking – Our student checking is free for enrolled students 17-24 years old and has no monthly fee or minimum balance requirements. It provides free online banking and mobile deposits. Premium Checking – For a monthly fee, our premium account offers unlimited transactions, ATM fee rebates, free checks, and other premium benefits. It requires a minimum balance and direct deposit. We also offer secured credit builder checking accounts and basic checking accounts for customers rebuilding their finances. Ask a banker about your options.

  • What types of savings and money market accounts does PFG provide?

    We offer several savings and money market account options: Regular Savings – Our basic savings account has a low minimum balance and earns interest on deposited funds. Great for establishing a rainy-day savings habit. High-Yield Savings – Earn a higher interest rate on your savings balances with our high-yield savings account. It has a higher minimum balance to earn the best rate. Money Market – Our money market accounts operate like savings but allow limited check-writing and debit card privileges. Interest rates increase with higher balances. IRA Money Market – Use this account as a way to save for retirement. Funds grow tax-deferred and are available once you reach retirement age. CDs – Certificate of deposit accounts allow you to earn a guaranteed fixed interest rate when you commit to keeping funds deposited for a set period of time, usually ranging from 3 months to 5 years. Savings Builder – This specialized account allows you to systematically build your savings over time by automatically transferring weekly, bi-weekly or monthly contributions from your checking to savings. Please visit your nearest branch or call our customer service line if you would like help determining which of our savings or money market accounts best fits your needs and financial goals. Our knowledgeable banking experts are happy to assist you.

  • What types of mortgages and lending products are available from PFG?

    PFG offers a wide range of mortgage and lending solutions for our personal banking customers: Home Loans: Conventional fixed and adjustable-rate mortgages FHA, VA, and USDA loans Jumbo mortgages Construction loans Refinancing existing mortgages Home equity lines of credit (HELOCs) Bridge loans Personal Lending: Auto loans – financing for new and used car purchases Personal loans – installment loans that can be used for debt consolidation, medical expenses, home repairs, and more Lines of credit – revolving credit lines for flexible borrowing Student loans – private student loans to supplement federal options Secured loans – financing secured by collateral like a savings account or vehicle Credit cards – a variety of credit card options from basic to premium rewards cards We offer competitive interest rates and work with our customers to find the right loan or credit options to fit their needs and budget. Speak with a mortgage or lending expert at your local branch to learn more and go over options for financing your next big purchase or project.

  • What credit cards does PFG offer?

    PFG issues a variety of Visa and Mastercard credit cards to suit differing needs and lifestyles. Our credit cards offer competitive rates and terms along with benefits and rewards. Credit cards we offer include: Cashback Rewards Card – Earn unlimited 2% cashback on all purchases with no limits or category restrictions. Travel Rewards Card – Earn points on purchases that can be redeemed for airfare, hotel stays, rental cars, cruises, and other travel rewards. Balance Transfer Card – Get a lengthy 0% intro APR period for balance transfers and benefit from no balance transfer fees. Student Rewards Card – Designed for college students, with cashback on purchases and special discounts and benefits. Secured Card – Requires a refundable security deposit and is designed to help establish or rebuild credit. Premium Rewards Card – Higher annual fee but premium travel benefits, rewards points, and features. Designed for affluent frequent travelers. Business Rewards Card – Earn points on business purchases that can be redeemed for cashback, travel, gift cards, and more. Low Interest Rate Card – Provides an ongoing very low interest rate for purchases and balance transfers. No rewards program. Visit any PFG branch and talk to a banking representative to learn more about applying for the right credit card based on your spending habits and financial needs.

  • What kinds of financial advice and money management solutions does PFG offer?

    Our team of banking and financial experts can provide personalized advice and money management solutions to help you: Budget and track spending – We can help create a personalized budget and offer tools for tracking spending and expenses. This can help identify waste, cut costs, and work towards financial goals. Save and invest – Let us help you make a plan for saving consistently, whether in standard savings accounts or investing in the markets. We can assist with 401ks, IRAs, and tax-advantaged accounts. Manage debt and improve credit – From consolidating debt to expert advice on paying down balances responsibly, we can customize a debt reduction plan for your situation and counsel you on improving credit standing over time. Finance major purchases – When you’re ready to buy a house, make home improvements, finance college tuition, or make other large purchases, we can guide you through tailored financing options. Plan for retirement – It’s never too early to develop a retirement savings strategy. We’ll help you maximize contributions and choose the right investment and savings vehicles. Protect assets and income – From insurance to wills and trusts, we have experts available to help you assess risk and implement protections for your assets and income streams. Navigate major life events – Events like marriage, divorce, having children, becoming disabled, job changes, or the death of a loved one often necessitate financial adjustments. We’re here to provide financial guidance through these transitions. Schedule a call with a financial advisor at any PFG branch or call our money management hotline today to get started maximizing your money’s potential.

  • How does PFG provide access to accounts through online and mobile banking?

    PFG offers user-friendly online banking through our website and mobile app so you can conveniently access and manage your accounts anytime, anywhere. On our online banking platform, you can: Check account balances Review recent transactions and statements Transfer funds between PFG accounts Pay bills and schedule recurring payments Set up account alerts Export account transaction data Open additional accounts Apply for loans and credit cards Through the PFG mobile app, you gain additional convenience: Make mobile check deposits by taking a picture of the check Make P2P payments to friends and family Receive push notifications for account activity Use biometric login like fingerprint or face unlock Pay bills via mobile wallet Locate fee-free ATMs and branches Our online banking platforms are secure, allowing you to bank safely from your computer, phone or tablet. Enroll online or download the iPhone/Android app to get started. Support is available 24/7.

  • How can I access cash and my accounts if I’m traveling or can’t make it to a branch?

    PFG makes it easy to access your cash anywhere in the world and provides multiple options for reaching your accounts outside of banking hours or when traveling. Options include: Online/mobile banking – Our banking app and online platform let you use your phone or laptop to check balances, transfer funds, pay bills and more from anywhere. Wire transfers – Request domestic or international wire transfers by contacting us. Great for accessing larger amounts or sending funds abroad. Travel debit cards and credit cards – Use your PFG debit card or credit card when traveling internationally to make purchases and withdraw cash from ATMs (subject to fees). Foreign currency – Order foreign currency to be delivered to your branch or home to avoid carrying cash when traveling abroad. Over 50 currencies available. Cashier’s checks – Purchase cashier’s checks before traveling that can be cashed almost anywhere around the world, providing secure access to your funds. Contact your local branch for assistance preparing to bank and access cash while traveling domestically or internationally. We’re happy to help you access your accounts no matter where you are.

  • What business banking products and services does PFG offer?

    PFG provides a full suite of banking products and services to help businesses manage their finances efficiently and access capital when it’s needed: Business checking and savings accounts with robust online/mobile banking Financing solutions including loans and lines of credit Commercial real estate lending Business credit cards with rewards programs Merchant services and payment processing International banking and foreign exchange Treasury management and cash management tools Retirement plans for businesses including 401(k)s Business insurance options Payroll solutions and employee benefits Online platforms for managing cash flow and accounting We offer both localized service through our branches and specialized support from our dedicated business banking experts. Contact us today to have one of our bankers review your business needs.

  • What are the main types of business loans offered by PFG?

    We offer a wide variety of loan and credit products designed for the needs of all types and sizes of businesses: Term loans – These installment loans provide larger lump sums for major investments and expenses and are repaid over a set period with fixed regular payments. Lines of credit – Revolving credit lines allow flexibility in borrowing up to a set limit, repaying, and re-borrowing as needed for working capital. Equipment financing – We offer financing for purchasing equipment and vehicles essential for your business operations. Commercial mortgages – Real estate loans can provide capital to invest in commercial property and facilities. SBA loans – We participate in SBA loan programs designed for small businesses, including 7(a), 504 and microloans. Short-term loans – These smaller loans address brief capital needs and seasonal fluctuations. Startup business loans – Specialized lending help entrepreneurs launch new ventures. Invoice factoring – Access capital tied up in unpaid invoices by selling them to a factoring company. Asset-based lending – These loans use assets like equipment, invoices or real estate as collateral. Discuss your specific business lending needs with our experts to determine which option may be best for you.

  • How does PFG help businesses manage their cash flow?

    We provide a number of treasury management and cash flow optimization services to help businesses manage liquidity and working capital: Business credit cards with robust rewards and reporting Digital banking platforms for real-time cash flow visibility Remote check deposit to accelerate receivables ACH services to collect payments and automate transfers Wire transfers to expedite large payments Positive pay and check fraud protection Merchant credit card processing with customized terms Electronic tax payments and automated payroll Supply chain financing and trade credit to extend payables Interest-earning sweep accounts to invest idle cash International banking services and foreign exchange Our treasury management experts can assess your working capital situation and build a customized suite of services to maximize cash flow efficiency for your business. Contact us today to get started.

  • How does PFG help businesses accept and process payments?

    We make payment processing fast, convenient, and secure for business customers through services like: Point-of-sale systems for brick-and-mortar retail stores Mobile and tablet POS options for service businesses Online payment gateways for ecommerce websites Virtual terminals for phone and mail order transactions Smart chip-enabled credit card terminals Contactless payment acceptance Mobile wallet acceptance (Apple Pay, Google Pay) B2B ACH payment processing Payroll card programs for employees Recurring billing and invoicing automation Our merchant services team provides customized terms negotiated for your business needs and volume. We ensure seamless integration with your accounting systems and provide reporting tools to track payments. Call today to have one of our payment processing experts review your needs!

  • What foreign exchange and international services does PFG provide?

    PFG offers specialized international banking solutions for global businesses: Foreign currency accounts in multiple currencies International wires and foreign currency ACH transactions Global mass payments and collections Foreign currency forward contracts for hedging Cross-border multi-currency credit facilities Import/export trade financing including LCs FX risk management advisory services Multi-national account pooling structures International business debit cards and credit cards We understand the complexities of operating across borders and currencies. Our international banking experts can help develop a tailored international cash management strategy for your business. Contact us today to learn more!

  • What corporate banking and financial services does PFG provide?

    PFG offers a comprehensive suite of corporate banking solutions for mid-size and large companies: Cash management and liquidity solutions Corporate lending and capital financing Interest rate and currency risk management International trade financing and foreign exchange Customized treasury management solutions Institutional trust and escrow services Mergers and acquisitions advisory Debt and equity capital raising solutions Corporate insurance and risk management Institutional investing and brokerage Retirement plan services and 401(k) management We combine sophisticated financial products and technology with high-touch relationship management to deliver customized corporate banking, tailored to complex needs. Contact our corporate bankers today to learn more!

  • What are PFG’s main forms of corporate lending and financing?

    PFG provides versatile forms of debt financing and credit tailored for business needs: Revolving credit facilities provide flexible, on-demand access to working capital. Term loans deliver lump-sum amounts for major investments, expansions, acquisitions. Equipment financing funds essential equipment purchases. Commercial real estate loans finance office buildings, plants, facilities. Refinancing and restructuring existing debt at more favorable rates or terms. Mezzanine financing provides hybrid debt and equity capital. Asset-based lending collateralized by receivables, inventory, equipment, or securities. Trade finance solutions support domestic and global supply chain needs. Securities lending allows borrowers to obtain short-term liquidity. Our bankers take the time to understand your firm’s credit needs and design optimized financing solutions that support growth and success.

  • How can PFG assist with mergers, acquisitions, and capital raising?

    Our investment banking experts provide trusted M&A and capital-raising guidance: Assist with identifying acquisition targets, valuation modeling, due diligence, deal negotiation, financing, legal/regulatory aspects, and post-merger integration. Help prepare businesses for eventual sale and succession planning. Raise capital through initial public offerings (IPOs), follow-on offerings, private placements, and rights offerings. Leverage deep institutional investor networks for successful bond issuances, commercial paper, and promissory note offerings. Provide fairness opinions, valuation analyses, and advisory services for public and private transactions. Arrange private equity financing, leveraged buyouts, and ownership transition plans. Rely on our investment bankers to execute complex financial transactions smoothly, reduce risk, and get the best terms for your long-term success.

  • How can PFG assist with currency and interest rate risk management?

    We offer customized solutions to hedge currency and interest rate exposures: Forward contracts, swaps, and options to lock in favorable foreign exchange rates. Interest rate derivatives like swaps, futures, and options to fix rates and manage fluctuating interest costs. Customizable hedging programs tailored to your exposures and risk management needs. Ongoing monitoring of currency and rate movements to proactively adjust hedges. Strategic advisory services identifying exposures and designing prudent hedging strategies

  • What personal banking products and services does PFG offer?

    PFG provides a full suite of personal banking products, expert financial advice, and money management solutions designed to help you achieve your goals and make day-to-day banking easy. Our offerings include checking and savings accounts, mortgages and loans, cash management services, and credit cards.

  • What types of checking and savings accounts are available?

    PFG offers several checking and savings account options including: Chequing Account Interest Account Fixed Deposits Direct Banking Savings Senior Accounts

  • What kinds of mortgages and loans can I get?

    Our mortgage and loan offerings include: Mortgage Accounts Consumer Loans Personal Overdraft Facility Home Equity Line of Credit Home Equity Loan

  • What cash management services does PFG provide?

    We offer convenient cash management services like: Online Bill Payment E-Pay Internet Banking Wire Transfers Night Depository

  • What credit cards does PFG offer?

    Our credit card options include: Visa Gold Visa Platinum Visa Classic Visa Credit Card Additional Cardholders We also offer credit card security features and online credit card account management.

  • What types of business accounts does your bank offer?

    We offer several business account options including chequing accounts, interest accounts, unlimited chequing accounts, and fixed deposits. Each account is designed to meet the unique needs of different businesses.

  • What is the difference between a regular chequing account and an unlimited chequing account?

    The regular chequing account has a limit on the number of transactions per month. The unlimited chequing account has no limits on the number of transactions as long as funds are available. This makes it ideal for businesses with high transaction volumes.

  • What are the interest rates on your fixed deposit accounts?

    Our fixed deposit account rates vary based on the term. The longer the term, the higher the interest rate. Please contact us for our current interest rates on terms from 30 days to 5 years.

  • Do you offer merchant services with your business accounts?

    Yes, we offer merchant services that integrate with your business account to allow you to accept debit and credit card payments. This service is ideal for retail businesses.

  • What online services do you provide for business account holders?

    We offer online bill pay, account transfers, wire transfers, and more through our online banking platform. Business owners can conveniently manage their accounts anytime, anywhere.

  • Can I make loan payments online from my business account?

    Yes, if you have a business loan or line of credit with us, you can easily make payments online right from your business account. This saves you time and gives you peace of mind knowing payments are made on time.

  • What types of business loans and credit do you provide?

    We offer several options including business overdraft protection, business lines of credit, term loans, commercial mortgages, and more. Our lending specialists will work with you to find the best option for your needs.

  • What credit score is required to qualify for a business line of credit?

    Credit scores and eligibility for business lines of credit vary. Generally a score of 650 or higher is required, but other factors are also considered. Contact us to see if you pre-qualify.

  • How quickly can I get funding if I apply for a business loan?

    Our goal is to provide funding as quickly as possible, often within just 30 minutes to 5 hours max for approved applications. We work hard to make the application and funding process very efficient.

  • Do you require collateral for a commercial mortgage?

    Collateral requirements vary based on the size of the mortgage, the property, and other factors. A down payment is usually required. Contact us to discuss collateral for your specific commercial mortgage needs.

  • What documents do I need to provide when applying for a business loan?

    Typical documents include business and personal tax returns, current profit and loss statement, balance sheet, business licenses and organizational documents. Requirements vary by loan type.

  • How long does it take to process and approve a business loan application?

    We can usually process and approve applications within 30 minutes to 5 hours max. More complex requests may take longer. Our lending specialists will provide you with a specific timeline.

  • Is there a penalty for early repayment of a business term loan?

    Most of our term loans allow early repayment with no penalties. However, some larger loans may include a small penalty for repaying before maturity. This will be disclosed before you commit to the loan.

  • Can I manage my business credit card and line of credit online?

    Yes, through our online banking platform you can view balances, available credit, recent transactions, make payments and more for credit cards and lines of credit. Stay in control 24/7.

  • What credit card processing services do you offer for merchants?

    We offer competitive processing rates, next day funding on transactions, discounted card readers, and more. Our merchant services integrate with your account for simplified reconciliation and tracking.

  • Do you offer equipment financing for business purchases?

    Yes, we partner with leading equipment financing companies to offer great rates on financing for your essential equipment, vehicles, machinery and more. Contact us to learn more and apply.

  • What documents are required for a new business account application?

    To open a new business account, we’ll need business registration documents, EIN, owner’s ID, and documents showing legal business structure such as articles of incorporation.

  • What fraud protection services do you offer for business accounts?

    Services like positive pay, ACH blocks and filters, multi-factor authentication, and other services are available to protect your accounts from unauthorized access and fraud.

  • How can I learn more about your cash management services?

    Contact one of our cash management specialists to discuss your needs. We’ll explain how our suite of services can help optimize, automate, and simplify your business’s cash flow management.

  • What types of capital markets services do you offer?

    We offer a full range of debt and equity capital markets services including investment grade and leveraged finance, mergers and acquisitions, structured finance, and more. Our experts tailor solutions to meet each client’s needs.

  • How can your bank help with our upcoming acquisition financing needs?

    Our acquisition finance team can provide customized solutions to support acquisitions of all sizes. We offer term loans, bridge financing, and more. Let us help strategize the optimal capital structure.

  • What is your experience with mortgage-backed securities (MBS)?

    We have extensive experience structuring, underwriting, and distributing a broad range of MBS. This includes both agency and non-agency residential and commercial MBS.

  • Can your bank help us access global capital markets?

    Yes, through our global network we can help clients raise capital in markets around the world. Our cross-border capital markets expertise is unmatched.

  • Do you offer advisory services related to liability management?

    We provide liability management advisory to help optimize our clients’ balance sheets. Services include liquidity analysis, managing debt maturities, and strategies to lower funding costs.

  • How can your cash management services help our business?

    Our cash management solutions provide efficient, secure ways to collect, disburse, and manage funds. This optimizes liquidity and streamlines processes. We tailor solutions to your needs.

  • What trade financing options do you offer?

    We offer trade services such as letters of credit, document collection, trade loans, export/import financing, buyer’s credit, and more. Our specialists help structure optimal trade finance solutions.

  • Can we make cross-border wire transfers?

    Yes, through our online banking platform you can conveniently make secure cross-border wire transfers in multiple currencies at competitive rates.

  • Do you offer strategic advisory services related to mergers and acquisitions?

    Our M&A advisory team provides invaluable strategic advice and transaction management guidance through every phase of the M&A process.

  • How can we learn more about your full range of corporate banking solutions?

    Contact our corporate banking team to schedule a consultation. We’ll assess your business needs and explain how our comprehensive set of solutions can benefit your company.

  • What types of working capital loans do you offer?

    We offer short-term working capital loans and lines of credit to help businesses meet their near-term operating expenses and improve cash flow. Loan amounts and terms are customized.

  • Can we apply for an equipment loan?

    Yes, our commercial lending group offers competitive equipment loan financing for major equipment purchases. We’ll help determine the best loan term and structure.

  • Do you finance commercial real estate projects?

    Our real estate finance division handles commercial real estate loans including construction, development, and long-term lending. Contact us to learn more.

  • What online services do you offer corporate customers?

    Services like wire transfers, ACH payments, remote check deposit, account aggregation, and robust reporting are available through our online platform to improve efficiency.

  • How does your bank help companies expand globally?

    From foreign exchange tools to international trade finance services, our experts help companies do business globally. We also have an extensive global banking network.

  • Do you provide supply chain finance programs?

    Yes, we design customized supply chain finance programs to help optimize working capital across your supply chain. This creates benefits for all participants.

  • Can we set up multiple sub-accounts under our corporate account?

    Yes, we can setup sub-accounts for divisions, departments, or special purposes. This allows detailed accounting and fund controls.

  • How can we increase the returns on our excess cash deposits?

    Our treasury management advisors can suggest liquid investment options for excess cash that yield higher returns while maintaining security.

  • What foreign exchange services do you offer?

    Services include competitive exchange rates, limit orders, forward contracts, real-time market monitoring, and strategy advice from our FX specialists.

  • Do you have experience providing financing for technology companies?

    Yes, our tech and venture capital financing experts understand the unique needs of technology firms. We provide growth capital and guidance.

  • What types of mergers and acquisitions advisory services do you provide?

    We advise on all aspects of M&A including target identification, valuation, negotiation, deal structuring, financing, execution, and integration for corporate and private equity clients.

  • How can you assist with our capital raising needs?

    We can help determine the optimal securities and markets to raise capital from public offerings of equity, convertibles, preferred shares to private placements of various debt instruments.

  • What financing services are offered for restructurings?

    Services include debtor-in-possession financing, exit financing, asset sales, spin-offs, recapitalizations, exchange offers, consent solicitations and more for distressed situations.

  • Do you underwrite public offerings of securities?

    Yes, we have extensive experience underwriting IPOs as well as follow-on equity and debt offerings to provide corporations access to public capital markets.

  • How can you advise my company on strategic alternatives?

    We provide an objective, expert perspective on strategic options from acquisitions to joint ventures to divestitures to help maximize shareholder value.

  • What derivatives capabilities do you offer?

    We offer hedging strategies, derivatives valuation, trading and risk management across a full range of equity, fixed income, currency, commodity and credit derivatives.

  • How can we efficiently reinvest our corporate cash?

    Our global trading desk can advise on investments across multiple asset classes to optimize returns on corporate cash balances based on your firm’s needs and risk tolerance.

  • Do you offer custody and securities services?

    Yes, our broker-dealer provides customized and comprehensive custody, trade execution, clearance and related securities services.

  • What investment management services are offered?

    We manage investments across asset classes including equities, fixed income, real assets, alternatives and multi-asset portfolios for institutional and individual investors.

  • How can you advise my private equity fund?

    In addition to deal sourcing, diligence and portfolio company oversight, we provide valuable assistance with fundraising, LPs relationship management and reporting best practices.

  • Do you provide strategic advice on real estate investments?

    Our real estate team advises on acquisitions, dispositions, recapitalizations, development opportunities, joint ventures and distressed situations across all asset categories.

  • How experienced is your team in initial public offerings?

    Our dedicated IPO group has worked on hundreds of IPOs over several decades, advising growth companies throughout the preparation, marketing, pricing and execution.

  • What types of institutions do you offer investment management services for?

    We manage investments for pension funds, endowments, foundations, family offices, sovereign wealth funds, corporations, and high net worth individuals.

  • Can you advise our private equity firm on potential acquisitions?

    Yes, our industry groups can assess targets, valuation, diligence findings, and structuring considerations as well as arrange financing and co-investments.

  • Do you provide fairness opinions and other advisory services for boards of directors?

    We are a trusted advisor, providing objective advice to boards on the valuation, market reception and strategic rationale for major transactions.

  • How can investment banking services help my startup?

    From capital raising, M&A, strategic pivots to market intelligence, we leverage our global network and expertise to help startups maximize opportunities.

  • What reporting do clients receive on investment performance?

    Customized reporting provides insights into portfolio holdings, benchmark relative performance, risk analysis, attribution and progress towards investment objectives.

  • How do you evaluate financing alternatives for an acquisition?

    Our pros and cons analysis weighs factors like timeline, cost, terms, dilution, integration complexity, certainty of close and capital structure impacts.

  • What differentiates your investment banking services from competitors?

    Our independence, focus on client interests, global reach, sector expertise and decades of experience position us as the most trusted advisor for clients.

  • How can I learn more about your specific investment banking capabilities?

    Please visit our website or contact us directly to arrange an introductory call where we can discuss your needs and how we can be of service.

  • What is the minimum net worth required for your private banking services?

    Our private banking caters to ultra-high net worth clients, generally those with at least $100 million in net worth. This enables highly personalized service.

  • How does your asset management approach differ from traditional banks?

    We take a goals-based approach to asset allocation and utilize alternative investments to help diversify and maximize returns compared to only traditional assets.

  • Do you provide customized investment plans for each client?

    Yes, our advisors work closely with each client to understand their unique objectives and risk tolerance in order to create a tailored investment plan.

  • Can you advise me on reducing taxes related to my investments?

    Our tax planning specialists can analyze your portfolio and make recommendations to maximize after-tax returns through strategies like tax-efficient investing, trusts, and more.

  • Do you offer residential mortgage financing?

    We provide specialized mortgage solutions for luxury residential properties, high net worth primary homes, vacation homes, and investment properties.

  • How can you help me transfer wealth to my children?

    From trusts and private foundations to business succession planning, our wealth advisors have extensive experience developing plans to efficiently transfer wealth across generations.

  • Can you manage the administration of our family philanthropic foundation?

    Yes, we offer turnkey philanthropic services including foundation administration, grantmaking, impact tracking, and more for family and private foundations.

  • How can I learn about investment opportunities not available to average investors?

    Our exclusive investment opportunities provide access to limited private equity deals, pre-IPO opportunities, venture capital funds, and other investments reserved for high net worth investors.

  • Do you provide services specifically for wealth preservation and protection?

    Our risk management specialists help protect wealth through services like insurance analysis, cybersecurity planning, and development of contingency plans for various scenarios.

  • Can you help structure my assets to maximize privacy and confidentiality?

    Yes, we have extensive expertise creating structures using trusts, limited partnerships, and offshore entities to maintain confidentiality around your financial arrangements.

  • How can I receive investment advice while living abroad?

    Our global team provides seamless advisory services wherever you live. Local advisors collaborate closely with your lead bankers to deliver the same level of expertise.

  • What lending services do you provide for the ultra-wealthy?

    We offer tailored lending including securities-backed loans, aircraft and specialty asset financing, business/investment loans, and mortgages for high net worth borrowers.

  • Do you provide support with my business interests?

    Our capabilities include navigating liquidity events, business succession planning, connections to capital markets and institutional banking services to support your business interests.

  • Can you recommend third party experts like accountants, attorneys, and insurance brokers?

    Yes, we have deep relationships with top third party experts worldwide and can make personalized referrals based on your specific needs.

  • How can I obtain a private bank credit card? What are the benefits?

    Our exclusive credit cards offer high limits, special rewards, and premium benefits. Contact us to learn more and see if you qualify based on banking relationships and credit profile.

  • Do you advise private bank clients on collecting fine art and other collectibles?

    Our art specialists provide collection management advice, assist with acquisitions, and deliver privileged access to select art fairs, galleries, and exhibitions for top collectors.

  • How quickly can I get set up with private banking services?

    We pride ourselves on providing a fast onboarding experience. In most cases, we can have your core services up and running within 1-2 weeks.

  • What reporting do I receive about my accounts and investments?

    Customized online and paper reporting provides a consolidated view of your holdings, performance, cash flow, asset allocation, and more. Access real time data 24/7.

  • How do your advisors stay current on tax policies, laws, and regulations?

    Through ongoing education, analysis, and access to top specialists, our advisors stay ahead of policy changes to consider the latest rules in their recommendations.

  • Are there any membership requirements to become a private banking client?

    No formal membership is required. We focus on selecting clients with $100MM+ net worth who we believe will benefit from our highly personalized approach.

  • What types of credit cards do you offer?

    We offer a variety of personal and business credit cards including cash back, travel rewards, balance transfer, 0% intro APR, student, secured and more to serve different needs.

  • How can I earn cash back on my spending?

    Our cash back credit cards allow you to earn rewards from 1-5% back on purchases. The more you spend, the more you earn in cash back you can redeem.

  • Do you offer any travel rewards credit cards?

    Yes, we have several travel rewards cards that let you earn points on spending to redeem for airfare, hotels, cruises, rental cars and more. Signup bonuses can be 50,000 points or higher.

  • What is a balance transfer and intro 0% APR offer?

    Balance transfer cards offer a 0% intro APR for a set period of time, allowing you to transfer and pay down balances from other cards interest-free.

  • How long do the 0% intro APR periods last on balance transfers?

    Our balance transfer offers range from 12-21 months depending on the card. This gives you over a year to pay off transferred balances without incurring interest.

  • Do you report authorized users’ spending activity to the credit bureaus?

    Yes, authorized user activity on our credit cards is reported to the major credit bureaus (Experian, Equifax, TransUnion) and can help build their credit.

  • What security features do your credit cards have?

    Our cards are EMV chip-enabled for point-of-sale security. We offer zero fraud liability protection and alerts to immediately notify you of suspicious activity.

  • Is there a preferred rewards program for customers with multiple accounts?

    Yes, our Premium Rewards program provides accelerated earnings, benefits, and service upgrades for eligible checking, savings, and credit card customers.

  • Are there any foreign transaction fees charged on your credit cards?

    Most of our cards do not charge foreign transaction fees. However, please review full card details as a small number of specialty cards may have foreign transaction fees.

  • Is it possible to expedite delivery of a new or replacement credit card?

    Yes, you can request expedited delivery of a card at account opening or card renewal for a small fee, to receive it faster than standard delivery.

  • What is your credit card late payment policy?

    Payments are due by the statement due date each month. Late payments incur a fee up to $40. Accounts over 60 days late may incur penalty APR.

  • What options are available if I’m struggling to make minimum payments?

    Contact us immediately if you’re struggling to make payments. We’ll review options like lowered interest rates, modified payment plans, deferments and more to assist you.

  • Do you offer specialized credit cards for students?

    Yes, we offer student credit cards with benefits tailored to students building their credit like low limits, rewards on spending, and free financial education resources.

  • How do I report a lost or stolen credit card?

    Immediately call us to report lost or stolen cards. We’ll rush replacement cards to you and ensure there is no liability for fraudulent activity on compromised cards.

  • How can I access details about my credit card accounts?

    You can access account details including balances, statements, transactions, payments and more via online/mobile banking or our cardmember service line.

  • How do I redeem credit card rewards like points, miles or cash back?

    Rewards can be redeemed in various ways like cash deposits, statement credits, airline/hotel transfers, online shopping portals, and more depending on card program.

  • Can I transfer a balance from another financial institution?

    Unfortunately we only allow balance transfers from non-PFG credit and charge cards. For external transfers, complete balance transfer requests within 60 days of account opening.

  • What are the benefits of business credit cards over personal cards?

    Business cards allow employee cards, higher limits, streamlined accounting, rewards tailored to business spending, and cards not tied to owners’ personal credit.

  • Are there reporting requirements for business card spending?

    Yes, to adhere to accounting and tax regulations we provide detailed monthly statements on employee and overall business card spending.

  • Is a Social Security number required for authorized users on credit cards?

    Authorized users over the age of 21 are required to provide their Social Security number for identification and underwriting purposes.

  • What types of projects do you provide financing for?

    We finance innovative projects in overlooked or higher-risk niches like cannabis, cleantech, cryptocurrency, renewable energy, sustainable agriculture, and more.

  • Do you provide startup financing?

    Yes, we support startup founders and early-stage companies, especially those in emerging industries underestimated by mainstream investors.

  • How is your project financing approach unique?

    We take a flexible, creative approach to structuring deals and mitigate risk so we can finance promising projects overlooked by traditional capital sources.

  • What criteria do you use to evaluate projects?

    More than rigid criteria, we look at the project merits, leadership team, addressable market, upside potential, and our ability to mitigate risks.

  • What types of entrepreneurs do you support?

    We back diverse, determined founders with compelling visions, including women, minorities, immigrants without typical funding networks, and experienced leaders in new frontiers.

  • Do you have minimum requirements for project size or financing amount?

    We are flexible on project scale and size of investment. We finance seed rounds under $1 million to large-scale projects requiring over $100 million.

  • What financing instruments do you offer?

    We utilize various instruments like equity, debt, convertible notes, royalty financing, project finance loans, and other structures tailored to each deal.

  • How can you accommodate risky or unproven business models?

    Creative deal structures like royalty financing and milestone-based disbursements allow us to invest in very innovative projects not ready for debt or equity.

  • What level of involvement do you have with projects post-funding?

    We provide active support via board seats, advice, introductions to specialists, and ongoing guidance to help our portfolio succeed. But founders retain control.

  • What expertise do you offer project teams in addition to financing?

    Our seasoned investors and advisors provide guidance on business strategy, financial modeling, capital planning, governance, risk management, and accessing future funding rounds.

  • What global regions do you invest in?

    While we’re U.S. based, we actively fund overlooked and underserved markets worldwide, especially across Africa, Southeast Asia, Latin America, and the Middle East.

  • Do you fund non-profits and social enterprises?

    Yes, we work with and provide program-related investments to qualified non-profits and social enterprises creating outsized but hard to monetize impact aligned with our focus areas.

  • Do you finance environmental sustainability projects?

    Absolutely, we actively fund renewable energy, cleantech, conservation, waste/pollution reduction, and carbon removal projects that combat ecological threats.

  • Do you have any restrictions on controversial business areas?

    We carefully evaluate controversial niches like cannabis, cryptocurrency, supplements, and defense on a case-by-case basis based on legal compliance and ethical considerations.

  • What size investments do you typically provide?

    We finance projects across the spectrum – from a few hundred thousand for early seed rounds to over $100 million for large-scale infrastructure and development projects.

  • How long does your project financing approval process take?

    We move swiftly with experienced teams. We can complete initial reviews in days and funding in as little as 2-4 weeks for qualified opportunities.

  • Can you finance commercial real estate development?

    Yes, we have experience financing complex commercial projects including hotels, multifamily housing, retail centers, office parks, and mixed-use properties.

  • Do you finance scaling and growth for existing businesses?

    Absolutely, in addition to startups we provide growth capital to profitable, proven companies ready to expand to the next level.

  • Do you provide financing for overseas projects and businesses?

    We have funded projects across six continents and are very open to financing overseas projects, especially impactful ventures expanding access to vital services.

  • What can I do to discuss my specific project financing needs?

    Let’s talk! Reach out to us online or schedule a consultation with one of our project financing specialists at your earliest convenience.

  • How long do international wire transfers take?

    Funds usually reach the recipient’s account in 1-2 business days once we process the transfer request received. The entire process from initiating to completion takes about 2-3 days.

  • How much do international wire transfers cost?

    Our international wire transfer fees start from just $5 based on factors like transfer amount, currency type, recipient location and account type. There are no hidden charges. Check our fee schedule for current rates.

  • Can I cancel an international wire transfer?

    You can request to cancel an initiated transfer request before it gets processed and approved from our side, which takes 1-2 business days. Once funds are wired out, transfers cannot be canceled.

  • What information is needed to receive international wire transfers?

    To receive inbound transfers from overseas, provide the sender your full recipient details (full name, physical address) and bank account details including SWIFT code, routing number and account number.

  • What currencies can I send international wire transfers in?

    We support outgoing wire transfers in 14 major currencies – USD, EUR, GBP, CAD, AUD, NZD, HKD, JPY, SGD, CHF, NOK, SEK, DKK and PLN. Select the required currency when initiating the transfer.

  • Can I track my international wire transfer?

    Yes, you can easily track the status of all your wire transfers by logging into online banking. Go to transaction history to see the status – initiated, processed, completed or failed.

  • What are the main benefits of your international wire transfer service?

    Main benefits include low fees, highly competitive exchange rates, the ability to send funds in over a dozen currencies, online accessibility, security, and 24/7 multilingual customer support.

  • How can I initiate an international wire transfer?

    You can easily initiate secure international wire transfers through our user-friendly online banking platform at your convenience, 24/7. Simply log in and go to the Move Money section.

  • What information do I need to provide to send a wire transfer abroad?

    You’ll need to provide recipient details (name, address), beneficiary bank details (name, address, SWIFT code, account number), transfer amount/currency, and transfer purpose/reason.

  • Can I set up recurring international wire transfers?

    Yes, you can schedule recurring wire transfers to automatically send funds on specified dates in the future, which is useful for regular cross-border payments.

  • Is there a maximum transfer amount per transaction?

    For security reasons, there are limits on personal and business wire transfer amounts per transaction. Contact us if you need to send larger wire transfers.

  • How long do international wire transfers take to reach the recipient?

    Most international wire transfers reach the recipient’s account within 1-2 business days. The exact time depends on the recipient’s bank and region.

  • Can I cancel a wire transfer after it has been initiated?

    Unfortunately wire transfers cannot be canceled after they have been processed and authorized due to strict banking regulations.

  • Do you charge any hidden fees for international transfers?

    No, we provide a transparent breakdown of all wire transfer fees upfront so you know exactly what you will pay. There are no hidden charges.

  • What happens if I enter the wrong details during transfer?

    Please verify all details carefully before authorizing the transfer. If incorrect details are entered, the funds transfer may fail or go to the wrong account.

  • Can I track the status of my international wire transfer?

    Yes, you can conveniently check the status of all your wire transfers in the transaction history section of online banking.

  • How do I add a new recipient for international wires?

    Log into online banking, go to Manage Recipients, and add their details. You can then select them when making future transfers.

  • How can I be sure my account details will remain secure?

    Our online platform utilizes encryption, secure protocols, and banking-level security measures to protect your account information and transaction data.

  • What support does your customer service team provide?

    Our multilingual customer support team is available 24/7 to assist you with any questions or issues regarding international payments or transfers.

  • What documents do you need to receive an incoming international wire?

    We’ll need government-issued ID, address proof, and account details including SWIFT code to receive an incoming international wire transfer.

  • What types of business loans do you offer?

    We offer business term loans, lines of credit, equipment financing, commercial real estate loans, government-backed loans, receivables financing, and more to meet a wide range of business needs.

  • What is the difference between a term loan and a line of credit?

    Term loans provide a lump sum for major investments and are repaid in regular installments over a set timeframe. Lines of credit offer revolving access to funds with flexibility to draw as needed.

  • What industries do you focus on for lending?

    We provide financing across all major industries including manufacturing, technology, healthcare, retail, services, agriculture, and more. Our specialists have expertise across sectors.

  • How much can I borrow with a small business loan?

    Our small business loan amounts range from $5,000 up to $5 million. Amounts under $100k may not require collateral. Speak to us about your specific capital requirements.

  • Do you only work with large, established companies?

    Absolutely not. We proudly provide startup loans and other financing to early-stage and small businesses helping them get off the ground and grow.

  • How long does it take to get loan approval and funding?

    Our efficient processes mean qualified borrowers can receive approval in days or weeks in most cases. Funding timelines vary but can be as fast as a few days.

  • What kind of rates and terms do you offer?

    Rates and terms depend on the type of loan, amount, and other factors. In general we offer very competitive market rates and flexible repayment terms.

  • Do all business loans require collateral?

    Collateral requirements vary by loan size and type. Smaller loans may not require collateral. Larger term loans or commercial mortgages typically require pledged assets.

  • What does the business loan application process involve?

    It involves submitting documents detailing company financials, business overview, collateral, and use of funds. Then we assess eligibility and provide a financing offer.

  • How can I use loan proceeds from your financing?

    Loan proceeds can be used for working capital, equipment purchases, real estate, refinancing, expansions, and any legitimate business purpose that fits your objectives.

  • What types of receivables financing do you provide?

    We offer receivables factoring, invoice discounting, and asset-based lending secured by accounts receivable, enabling you to tap into this asset to access capital.

  • Do you finance commercial real estate purchase and refinancing?

    Yes, we provide commercial real estate loans starting at $1 million for purchasing or refinancing office buildings, retail space, warehouses, and other properties.

  • Do you offer unsecured business lines of credit?

    We offer both secured and unsecured business lines of credit depending on loan amount, creditworthiness, and other factors assessed during underwriting.

  • What specialty lending programs do you offer?

    Our specialty solutions include innovation finance, project finance, commercial real estate lending, receivables financing, and asset-based lending.

  • How can your advisory services complement lending?

    Our advisory teams provide guidance on mergers and acquisitions, capital structuring, turnarounds, and interim CFO services to complement our lending solutions.

  • What is your lending capacity for a single business?

    With over $50 billion in capacity, we can provide individual loans up to $100 million and additional capacity through syndications and participations.

  • How does your loan process ensure transparency for borrowers?

    We provide clear timelines, documentation requirements, and terms. Our specialists also provide consultative guidance on the best financing structures and uses for your needs.

  • Do you provide support after a loan is funded?

    Yes, your relationship team will continue providing guidance and be available to discuss any needs or changes in your situation over the life of your financing with us.

  • What differentiates you from other lenders?

    Our advantages include personalized service, deep expertise, innovative solutions, an agile approach, dedicated specialists, and a focus on long-term client success beyond just the transaction.

  • Who can I contact to discuss my specific lending needs?

    Please reach out to our client services team or request a call from one of our specialists online. We’re happy to provide a consultation and financing proposal.

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