Treasury Management SolutionsReceivables

Treasury Management SolutionsReceivables

Streamline your collection cycle to improve working capital.

We Offer BENEFITS

Consolidated ReceivablesAutomatically capture remittance details across multiple payment channels.

Reduce the time, expense, and inaccuracies of manual processing.

Electronic Bill Presentment and Payment (EBPP)Provide your customers the convenience of viewing their bills online and choosing their payment date and method.

Encourage faster payments convenient and flexible, online options.

Automated Clearing House (ACH) and EDIEliminate the cost and inefficiency of paper processes by moving to electronic collections.

Realize significant cash flow benefits by eliminating mail float.

e-LockboxFully automate the collection and application of electronic payments.

Streamline processing by consolidating payment and remittance data into a single posting file.

Healthcare ReceivablesConsolidate paper and electronic EOB data, remittance advices, and payment information into a simple, automated workflow.

Efficiently post remittance to your management system.

Cash Vault Services and DeposiCashConsolidate cash deposits from multiple locations into a single account and consolidated report for faster clearance and easier reconciliation.

Mitigate processing bottlenecks to get deposits working for you quickly.

Remote Deposit Capture and Image Cash LetterSave time by scanning checks at your office for secure online transmission and processing.

Securely convert paper checks to electronic images.

Wholesale LockboxEliminate the time and cost of manually processing deposits in-house. Faster, more efficient collections can

significantly improve cash flow.

Our receivables solutions and platforms can work independently or combined to automate processes, reducing operational costs, and accelerating cash application.

Unlock working capital trapped in your balance sheet.

Timely and efficient processing of receivables can make a tremendous impact on your company’s financial performance. Streamlining your collection cycle can help you improve working capital. Yet, compliance issues and the rapid increase in customer payment channels have, if anything, made receivables even more complicated.

BBVA offers a variety of flexible solutions that help simplify and accelerate your receivables process, start to finish.

Solutions PRODUCTS

Automate receivables workflowStreamling your workflow helps you close invoices more quickly and ensures a more efficient payment-posting process.

• Consolidated Receivables

Digitize the invoice-to-cash processMoving from paper to electronic processes can significantly improve the speed and efficiency of your receivables collection and management.

• EBPP• ACH Debit Orgination• ACH Authorization• ACH Cash Concentration

Simplify posting to increase productivityTake paper out of the system, cut costs and improve productivity.

• e-Lockbox• Healthcare Receivables

Handle deposits more efficiently Choose the processing options that best suit your needs. • Cash Vault Services

• DeposiCash®• Remote Deposit Capture• Image Cash Letter• Wholesale Lockbox

Together, we can look at automating processes, reducing operational costs, and accelerating cash application.

Strategic ApproachClose invoices more quickly and ensure a more efficient payment-posting process.

2

Payment Processing

Choose from a range of solutions that can get your deposits working for you much more quickly.

4

Payment Reconciliation

Receive information in a single data file.

1

Securely Present Invoice

Easily convert expensive paper-based billing and payments into a simple and secure online process.

3

Capture Remittance Detail

Collect payment details across multiple channels.

Move paper to electronic processesSignificantly improve the speed and efficiency of your receivables collection and management.

CONSOLIDATED RECEIVABLES

Straight-through processing. Combine information into a single data file for easy integration into your accounts receivable system.

ELECTRONIC BILL PRESENTMENT

Optimize Cashflow. Moving from paper to electronic processes can significantly improve the speed and efficiency of your receivables collection and management.

Easily convert expensive paper-based billing and payments into a simple and secure digital process.

E-LOCKBOX

Automate payment application. Advanced data scrub feature helps identify incorrect payer information for quick review and repair of exception items online.

WHOLESALE LOCKBOX

Eliminate Manual Processing. Collect and process both business-to-business and customer payments in a single, integrated workflow.

ACH CASH CONCENTRATION

Consolidate Funds. Minimize excess balances, reduce borrowing costs, and unlock working capital.

ACH AUTHORIZATION

Improve Cashflow. Provide greater security than checks to help mitigate risk and financial loss; only those transactions that match your criteria post to your account.

ACH DEBIT ORIGINATION

Accelerate Collections. Same Day ACH debits ensure faster transaction processing and availability of funds.

BBVA Net Cash

Put your entire treasury relationship right at your fingertips.

Powered by our real-time processing platform, BBVA net cash integrates and streamlines the management of accounts receivables and other functions through a secure online portal.

You can connect from your desktop or mobile device. The consistent workflow features simple dashboard controls and can be customized to meet your needs.

CASH VAULT SERVICES AND DEPOSICASH

Manage Cash Securely. Deposits are tracked individually from the point of delivery through verification.REMOTE DEPOSIT CAPTURE AND

IMAGE CASH LETTER

Flexible Deposit Solutions. Scan checks at your office for secure online transmission and processing.

ACH

EFT

CARD

MOBILE

HEALTHCARE RECEIVABLES

Consolidate EOB Data. Eliminate manual data entry, allowing you to post and balance healthcare payments faster and more accurately to improve overall cash flow.

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BBVA and BBVA Compass are trade names of BBVA USA, a member of the BBVA Group. BBVA USA, Member FDIC.

All accounts and credit are subject to approval, including credit approval.

About BBVA USABBVA USA is a leading U.S. banking franchise with operations throughout the Sunbelt region and ranks among the top 25 largest U.S. commercial banks based on deposit market share. BBVA operates over 600 branches in Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas.

About BBVABBVA is a customer-centric global financial services group founded in 1857. BBVA Group has a solid position in Spain, is the largest financial institution in Mexico, and has leading franchises in South America and the Sunbelt region of the United States, as well as operations in China, France, Germany, Hong Kong, Italy, Japan, Singapore, Switzerland, Turkey, and the United Kingdom. Its diversified business is geared toward high-growth markets and relies on technology as a key sustainable competitive advantage. Corporate responsibility is at the core of its business model. BBVA fosters financial education and inclusion, and supports scientific research and culture. It operates with the highest integrity, a long-term vision, and applies best practices.

BBVA CORPORATE PRINCIPLES

The client as the center of our business

Innovation as the engine for progress

Corporate social responsibility as an intrinsic part of development

Teamwork as the key to generating value

Ethical conduct and personal and professional integrity as a way of understanding and conducting business

Management style that generates enthusiasm

Creation of shareholder value through business activity

Treasury Management SolutionsReceivables

Let’s get started At BBVA we can help you find the right receivables solutions to save time, reduce costs, and meet your working capital goals. Contact us to learn how easy it can be to put our receivables expertise to work for your organization.

 1-888-558-7568    bbvausa.com/commercial/treasury-management