Commercial Management Products

Commercial Management Products

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MANAGEMENT ADVANTAGE® is a department of Barrington Bank & Trust Company, N.A., which provides tailored services to meet the needs of commercial condominium associations and commercial property management companies. If your commercial condominium association or commercial management company is facing a future capital need or seeking to invest its excess funds, MANAGEMENT ADVANTAGE has the resources and experience to assist you. MANAGEMENT ADVANTAGE provides sound financial advice to commercial property management companies and associations. With the personal touch you would expect from a community bank and the backing of our multi-billion dollar parent company, Wintrust Financial, MANAGEMENT ADVANTAGE is uniquely poised to handle your financial needs. Specialized Financial Services A wide assortment of financial services and products are available to our commercial property management companies and associations. From commercial loans to trust and investment services, we are available to handle every detail of your financial needs. Customized Loans to Meet Your Needs Our loan programs are customized to meet the financing needs of our customers. We work closely with owners and managers to ensure that the repayment options meet both the short and long term cash flow and return on equity needs. Sound Investment Advice Our professionals can explore the potential for additional earnings on investment accounts. Structuring programs that emphasize growth and value, our investment service professionals work closely with our customers to maximize earning potential while minimizing the risk to capital. Other Financial Services We offer a wide assortment of financial services and products from Treasury Management, home equity and mortgage loans to trust and investment services, we are available to handle every detail of your business’s financial needs. If you have any questions or would like more information on any of these services, contact one of our Trusted Industry Experts at (847) 304-5940 or email service@communityadvantage.com


Loan Programs

MANAGEMENT ADVANTAGE offers loan programs that are tailored to meet the needs of commerical condominium associations and commercial management companies.

An approval process that is efficient and clear
Our responsive turnaround on loan requests guarantees that the process remains simple and understandable. Once we receive your loan application package, we quickly and efficiently determine an affordable repayment structure. Upon bank approval of the loan, we draft a commitment letter for your organization, detailing the loan terms and conditions. Upon your acceptance of our commitment letter, loan documentation is provided for review, signature and approval. We are happy to meet at any time during the loan process to discuss and clarify the terms of the loan program.

Expert lending advice from trusted professionals
Our team of industry experts offer competitive terms and loan rates including fixed or floating options, standard documentation that keeps attorney fees to a minimum, and sound professional advice on the integrity of potential projects. Best of all, we offer a level of personal service and advice that larger banks simply can’t provide. Our professionals have more than 75 years of combined experience in the banking industry and have processed hundreds of millions of dollars in loan transactions for our customers. We are a true market leader in providing financial services.

Commercial Lending
We offer a real commercial banking advantage over the big banks and smaller community banks in our area. Our commercial lending staff is well versed in all aspects of corporate finance. With a lending limit of over $50 million, we are capable of providing for the credit needs of a wide variety of commercial customers. We offer a full line of credit product and services including:

• Lines of Credit
• Term Loans
• Commercial Mortgages
• Construction Loans
• Equipment Financing
• Letters of Credit

If you have any questions or would like more information on any of these services, contact one of our Trusted Industry Experts at (847) 304-5940 or email service@communityadvantage.com.

Treasury Management for Commercial Property Management

MANAGEMENT ADVANTAGE® offers a suite of products and services to assist commercial condominium associations and commercial property management companies in managing their cash and operations. We provide Treasury Management services that allow you to minimize internal administration and maximize use of excess funds. Because different companies and associations have different needs, our treasury management services are flexible and custom-designed for you.

Collection Services
With today's technology, a bank does not have to be next door in order for you to make deposits. For example, one can utilize our sophisticated lockbox services by having your monthly payments sent directly to the bank for processing or a number of collection services to meet your company's specific needs.

Retail and Wholesale Lockbox Services
ACH Collection (Automated Clearing House)
Credit Card Processing of Assessments/i-Assessment Pay (Visa, Mastercard, Discover & Amex)
Remote Deposit Image Capture/i-Business Capture
Affiliate Banking Program
Disbursement Services
From traditional paper checks to electronic transactions, we have the capabilities to provide you with individualized disbursement services.

Online Bill Pay
Corporate Credit and Debit Cards
ACH Payments
Wire Transfer Services
Account Management Services
We provide a variety of account management services to help you maximize efficiency and allow you more time to focus on the needs of your company.

Commercial Deposit Accounts
Small Business Accounts
Zero Balance Accounts
Sweep Accounts
Account Reconciliation
CD-Rom Image Service
ACH Debit Block and Positive Pay
Online Banking Services
To meet the sophisticated financial needs of our clients, we have developed i-Business Banking, an integrated, web-based treasury management application. i-Business Banking provides 24-hour access to an extensive array of account information. Many of the above services are also initiated through online banking.

Balance Reporting
Transaction Reporting
Customer-initiated account-to-account transfers
ACH Templates
Bill Payment
Tax Payments
If you have any questions or would like more information on any of these services, contact one of our Trusted Industry Experts at (847) 304-5940 or email service@communityadvantage.com.