Small Business Banking

SMB business solutions for financial institutions

Small and mid-size businesses (SMBs) are important economic drivers and a segment that remains underserved. Data-driven segmenting and targeting of SMBs with tools specific to their needs can turn them into a growth driver for your financial institution. 

Q2 understands the unique opportunity SMBs hold within the financial landscape and provides financial institutions with the tools they need to serve these small business customers. As your fintech partner, you can count on Q2’s digital banking solutions to provide the businesses you serve with everything they need to succeed.  

SMBs need digital banking that fits

Whether it’s working around the clock, wearing multiple hats, or serving a niche clientele, entrepreneurs operate differently.

When they believe their financial institutions understand them, they’ll stay loyal to you as their businesses grow. From restaurant owners to small consulting firms to locally based manufacturing operations, SMBs are diverse and need digital banking services tailored to their precise business needs. Q2 delivers the digital transformation solutions that help institutions provide the best possible service and win more SMB business. 

 

  • The right solutions

    SMBs need an online banking platform and the digital experiences built for the way they work, not a commercial platform that’s too complicated or a consumer platform that’s too simplified.

  • Beyond banking

    From accounting to payroll, SMBs require a variety of fintech solutions to run their operations, and they’d prefer to have one hub that provides everything. Why not the FI they already know and trust?

  • Fight against fraud

    SMBs deeply feel the impact of payments fraud. They need help understanding how to protect themselves and the tools to be proactive against cyber thieves.

Here’s how Q2 can help

Grow small business deposits

SMBs can be a significant source of deposits and strong, long-term relationships—if you understand how to meet their needs. Q2’s small business solutions increase deposit growth by helping you strengthen SMB engagement and deepen loyalty.

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Differentiate with digital technology

Give SMBs an online banking platform and digital experiences made for them, not a one-size-fits-all solution that forces them to adapt. Our digital-first small business banking tools are designed specifically for SMB workflows, reducing their frustration and making them more likely to stick with you.

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Expand beyond traditional services

Do more for your SMB account holders with solutions that help them run their day-to-day, from accounting to spend management. Q2’s SMB digital banking solutions make it possible for your financial institution to become not just a bank to your small business customers, but a trusted business partner.

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Reduce fraud and drive income

Research shows most growing business owners don’t have a full understanding of their payments fraud exposure and how tools like positive pay can help them. Educating them and charging for this valuable service can measurably drive non-interest income.

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Accelerate digital innovation

Give entrepreneurs quick access to the products and services that make it easier for them to run their businesses. Q2 Innovation Studio enables fast integrations with fintech partners that offer the most needed business capabilities. This means your financial institution’s offerings can evolve with your SMB customers, providing fast access to new tools as they need them.

 

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Small Business Strategy Scorecard

For financial institutions looking to enter or expand in the small business market, this hands-on workbook provides questions and considerations to help gauge readiness, including strategic analysis, segmentation, and program planning.

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Q2 earns top marks for small business banking

Market Leader

2025 Datos Matrix: Leading U.S. Digital Small Business Banking Providers

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Best in Class

Small business

"Best in Class" in Javelin Strategy and Research’s 2025 Small Business Digital Banking Vendor Scorecard

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Resources

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