Relationship pricing programs for commercial relationships
Empower your bankers with timely insights and coaching so they can price and structure optimal deals to meet customer needs and portfolio goals. Q2’s powerful deal optimization and profitability platform gives relationship managers, treasury officers, and credit teams at commercial banks the tools they need.
With our relationship management solutions, you can achieve stronger portfolio alignment, higher customer satisfaction, lower risk, and greater profitability.
A pricing platform unlike any other
With Q2 PrecisionLender, you get a powerful set of pricing for credits, deposits, and treasury services.
Total relationship visibility
No more pricing in siloes. With PrecisionLender, you can see all accounts associated with a customer relationship and understand the impact on profitability.
Actionable insights
Give your RMs and treasury officers timely data-driven guidance on the best personalized pricing options for each customer, balancing their needs with your profitability targets.
Deal collaboration
Enable deal teams—RMs, treasury officers, and credit officers—to see what each is doing and work together to price the full relationship with faster, smarter decision-making.
Seamless data sharing
Connect your tech stack so customer data flows seamlessly from one pricing system to another, reducing the wasted time and costly errors that come with manual data entry.
Price to win the right deals
Compete on more than just rate and term. PrecisionLender gives you the tools your RMs need—when they need them—to price and structure deals that meet your clients’ needs and your institution’s profitability goals. As a partner in your digital transformation journey, Q2 helps you move away from commodity pricing to value-based structuring.
With our platform, you can ensure your teams and your customers experience a relationship pricing model that benefits both.
Modernize treasury pricing
Give your treasury officers the pricing guidance they need and an understanding of each relationship’s cross-sell potential. Move away from spreadsheets to an integrated digital approach to pricing products and services.
Compete smarter
Use market data from more than 150 financial institutions to provide timely insights that help your RMs compete more effectively and grow relationship profitability. Our Market Insights helps them make informed decisions by showing what’s achievable in the market. Through real-time competitive intelligence, unlike anything offered by our competitors, Q2 helps you set achievable targets.
Price effectively at scale
Win more SMB loans without sacrificing returns. The Small Business Package makes pricing these high-volume transactions a fast, efficient, and flexible pricing process, helping you deliver a better customer experience and meet your profitability targets.
Why relationship pricing matters today
With the pressures placed on commercial banks by rising competition, margin compression, and regulatory constraints, portfolio-wide profitability is critical for long-term success. Relationship pricing helps you drive higher retention rates, loyalty, and overall growth. Q2 makes it possible for your financial institution to overcome challenges and achieve better results.
The proof is in the performance
Our clients rise above the competition in several key annual metrics*.
- 2.4X growth rate in non-interest bearing deposits YOY
- 14% higher growth rate of commercial loan portfolio YOY
- 10bps basis points higher net interest margin
Timely deal coaching, powered by Andi
Andi® is Q2’s built-in virtual insights analyst. It gathers data on what’s winning (and what’s not) and delivers in-the-moment, hyper-focused recommendations to help build winning, profitable deals.
Andi suggests multiple pricing options that meet your customers’ needs and your institution’s relationship profitability targets. It’s impactful advice, in context, and at scale.