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The financial backbone
your business deserves.
From day-one checking to multi-million dollar credit facilities, Najem Financial Business Banking scales with every stage of your growth — with a dedicated banker who knows your business by name.
- Same-day account opening & card issuance
- Competitive rates on loans & credit lines
- 24/7 dedicated business support desk
- International payments in 40+ currencies
Welcome back,
Meridian Trading LLC
Business Checking
$142,830
+$8,200 today
Business Savings
$87,400
2.85% APY
Credit Available
$62,000
$38K used of $100K
Monthly Cash Flow — Last 6 Months
Recent Transactions
Our Products
Business Products & Services
Every Najem Financial business account is backed by a dedicated relationship banker, same-day decisions on most credit applications, and a platform that integrates with the tools your business already uses.
Business Checking
Zero-fee business checking with unlimited transactions, mobile deposit, and same-day ACH. Scales effortlessly from a sole proprietor account to a multi-entity operating structure with sub-accounts per cost centre. Includes virtual card issuance, spend analytics, and direct payroll integration at no additional cost.
Open accountBusiness Credit Cards
Credit limits from $5,000 to $250,000, approved within one business day for eligible businesses. Earn a flat 2% cashback on every purchase with no rotating categories or caps. Issue employee cards with configurable spending limits, real-time transaction alerts, and automated expense categorisation that feeds directly into your accounting software.
Apply nowBusiness Loans
Term loans from $25,000 to $5 million. Lines of credit, equipment financing, commercial real estate, and SBA 7(a) and 504 backed facilities. Same-day credit decisions on amounts under $250,000 — larger facilities within 48 hours. Our underwriters review the full business picture, not just a credit score.
Get fundingMerchant Services
Accept cards, mobile wallets, and online payments through a single integrated platform. Point-of-sale hardware, virtual terminals, payment links, and hosted checkout pages — all managed from one dashboard. Next-day settlement for approved merchants, interchange-plus pricing with full transparency, and chargeback management included.
Start acceptingBusiness Payroll
Run payroll for one employee or five thousand. Automated federal and state tax calculations, filings, and payments. Guaranteed error-free — if we make a payroll tax error, we pay the penalties. Includes direct deposit, pay stubs, W-2 preparation, and an optional HR module covering time tracking, PTO, and benefits administration.
Explore payrollTreasury Management
Automated cash concentration, controlled disbursement, sweep accounts, and real-time liquidity reporting for businesses managing complex, multi-entity cash flows. Includes positive pay fraud prevention, dual-authorisation controls, and a dedicated treasury analyst for accounts over $2M average daily balance. Full API access available.
Learn moreEcosystem
Works With Your Stack
Native, certified integrations with the platforms your business already runs on. No middleware, no manual data entry, no reconciliation headaches.
40+ integrations available. Full API access included with Business and Premium tiers.
Getting Started
Open an Account in Four Steps
Most businesses are fully onboarded within one business day. No branch visit required. No mountains of paper.
Apply Online
Complete our 10-minute digital application. Upload your business registration documents and government ID. No paper forms, no branch visit required.
Same-Day Decision
Our business underwriters review your application and return a credit decision — including any facilities requested — within the same business day.
Account Open
Your business checking account is opened instantly on approval. Debit card shipped overnight. ACH and wire access enabled immediately.
Dedicated Banker Assigned
A named business relationship manager contacts you within 24 hours to introduce themselves and walk through your account, services, and any pending facilities.
Plans
Choose Your Business Tier
All tiers include FDIC insurance, mobile banking, and 24/7 fraud monitoring. Upgrade at any time as your business grows — no penalties, no re-application.
| Feature |
Starter $0 / month |
Most Popular
Business $29 / month |
Premium $99 / month |
|---|---|---|---|
| Monthly transactions | Up to 200 | Unlimited | Unlimited |
| Business credit limit | Up to $25K | Up to $250K | Up to $2M |
| Business credit card | |||
| Merchant services | — | ||
| Payroll integration | — | ||
| Treasury management | — | — | |
| Dedicated relationship manager | — | Shared team | Named RM |
| International FX rate | 2.5% fee | 1.5% fee | 0.75% fee |
| API & ERP integrations | — | check + custom | |
| Support tier | Online & chat | Phone 8am–8pm | 24/7 dedicated line |
| Get Started | Open Account | Contact Sales |
Active Business Clients
Across sole traders, SMEs, and mid-market companies
Business Loans Originated
In the past 36 months across all loan product types
Credit Decisions Under $250K
No waiting weeks for a yes or no on your application
Business Support Desk
Real bankers available around the clock — no IVR
Our Advantage
Why Businesses Choose Najem Financial
Four structural advantages that set us apart from both legacy banks and digital-only challengers.
Genuine Speed
Same-day account opening with instant virtual card issuance upon approval. Credit decisions returned within the same business day for facilities under $250,000. Larger term loans within 48 hours — not the 4–6 weeks your existing bank quotes. Our underwriters are experienced bankers who move at algorithmic speed without sacrificing judgment.
Dedicated Banker
A named business relationship manager is assigned from day one — not rotated through a shared team or handed to a junior after onboarding. Your RM understands your business model, your seasonality, and your growth plans. Reachable directly by phone, email, or secure message — not through a ticket queue or a 1-800 number.
Deep Integrations
Certified native integrations with QuickBooks, Xero, Gusto, Stripe, Shopify, SAP, Oracle, and Salesforce — plus 30+ additional platforms via open API. Bank data flows automatically into your accounting software. No manual exports, no reconciliation delays. Your bookkeeper will notice the difference on day one.
Fraud Protection
AI-powered transaction monitoring runs 24/7 and flags anomalies in real time. Positive pay prevents cheque fraud. Dual-authorisation controls gate large outgoing wires. Zero-liability business fraud guarantee means that if an unauthorised transaction clears, we cover the full amount — no questions, no claim process, no delay.
Business Banking
Open Your Business Account Today
Apply in 10 minutes. No minimum balance on Starter accounts. No hidden fees. A dedicated business banker assigned to your account within 24 hours of opening.
Business accounts are subject to eligibility review and approval. Credit facilities are subject to credit assessment. Najem Financial is an FDIC-insured institution. All rates and fees subject to change. SBA lending subject to SBA program requirements and eligibility.