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Technology Banking Services

The Technology Industry Group at Bank of Ann Arbor is focused on serving the financial needs of the region's technology business community. Our experience with companies at every stage of the business life cycle provides unique insight into the needs and opportunities of our client's businesses. Combined with our market leading technology industry expertise, portfolio of products & services designed specifically for technology-based companies, and a national network of business partners, we are more than your bank; we are your financial partner.

The Technology Industry Group's portfolio of Life Cycle Banking products and services includes:

Life Cycle Banking

The Technology Industry Group is focused on serving the financial needs of our region's technology and life science business community. Decades of experience in the sector with companies at every stage of the business life cycle provide unique insight into the needs and opportunities of our client's businesses. The combination of experience, industry focus and local decision making enables Bank of Ann Arbor to provide more than standardized banking services.

The Technology Industry Group partners with businesses from their initial commercial bank account through their growth and mature business stages by providing the following products and services:

Business Banking

The biggest advantage of Bank of Ann Arbor is our people, products and services. Your business' banking partner is the link between your company and the business world. Whether it is through your company's customer purchases, vendor payments, employee payroll and benefits, or capital funding your banking partner relationship is central to the success of your business. Our experience and personalized service at every level will enable you to devote your energies to the growth of your business from the time you open your first business banking account.

Angel Investment

Bank of Ann Arbor not only provides angel investors with investment financing options, we also work with early stage clients to help them evaluate private equity alternatives. We are helping build the region's innovation economy as a Founding Member and Managing Director of the Ann Arbor Angels and a Founding Member of Ann Arbor SPARK. Bank of Ann Arbor's leadership has assisted many of our technology and life science based clients access angel capital and advance through the challenging early stages of development.

Venture Capital

Ann Arbor is the center of Michigan's venture capital industry and one of the Midwest's leading regions in attracting venture capital investment. Bank of Ann Arbor is proud to be a Founding Member of the Michigan Venture Capital Association and supporter of the nationally recognized University of Michigan Growth Capital Symposium. We work not only with venture capital firms and their portfolio companies, but also with emerging stage clients as a financial advisor to help build businesses that are poised for venture capital investment.

Venture Lending

Venture lending offers a low-cost method for venture-backed companies to leverage fixed assets and their enterprise value to get more out of their equity dollars. These types of loans can give a young company the extra time and resources needed to reach major product or customer milestones. And, being able to achieve important milestones such as shipped product or securing a first customer can provide real uplift in valuation and significantly reduce dilution at the next venture capital financing round. Bank of Ann Arbor's experience and close working relationship with the venture capital community have enabled us to become a leader in this specialized area of lending in the Midwestern United States.

Commercial Finance

Bank of Ann Arbor's technology and life science team can provide your business with structured financing alternatives as well as traditional lines of credit for short-term working capital requirements, including trade discounts, accounts receivable and inventory. We also offer term loans to purchase equipment or other fixed assets, term loan authorization lines to provide equipment and fixed asset purchasing flexibility, real estate mortgages to purchase or refinance commercial real estate or new construction, and letters of credit to facilitate business with foreign or domestic business partners.
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