Most companies are motivated to seek out a new banking relationship only when they need a new or different loan structure to support their changing or growing business. In that moment, corporate treasury and finance leaders may be singularly focused on securing funding, but that's also the right time—during interviews and due diligence with potential lenders—to capitalize on innovative banking technology to improve the organization's cash flow cycle.

The effort to improve a key loan structure marries well with upgrades to treasury management capabilities. The treasury team should leverage this opportunity to search not only for a strategic lending package from a bank that understands their market and horizons, but also for customized treasury management capabilities that may become as integral to the progress of the business as a made-to-measure lending relationship.