Services
The ClearView Transformation System
Three connected pillars that help you keep more of what you earn. We educate, analyze, recommend, coordinate, and help you implement. You keep the final say on everything.
There’s no silver bullet. No single bank, card, or program does it all. The results come from the right combination of providers, put together for your business. Think of it as a custom recipe, and the recipe is what maximizes your ROI.
Pillar 1
Spend Optimization
Make the money you already spend work harder. We look at how money moves through your business and where better payment strategies, tools, or workflows could add value.
Run your vendor spend through the ROI Calculator
- Payment and card strategyBusiness and corporate card programs, rebate optimization, and supplier payment strategy.
- Float and payment timingHow the timing of what you pay affects your cash flow.
- Fund payroll with a business cardEarn rebates on one of your biggest expenses and extend the float on that cash.
- Card-to-ACH and check conversionWays to fund an approved payment with a card while a supplier that doesn’t take cards still gets paid by ACH or check.
- AP, invoice, and T&E workflowProcess review, bottlenecks, controls, and spend visibility. We’re software-agnostic.
- Merchant services reviewFind out what you really pay to process cards and whether a change would help your margins.
- SBA fundingAccess up to $5 million through 7+ SBA loan programs and 40+ lenders competing to fund your expansion or next big idea.
Pillar 2
Tax Optimization
Parts of your existing spending, payroll, and operations may qualify for special tax treatment. Most owners never hear about it. We find where it applies, explain it in plain English, and bring in the right professionals to put it in place.
Estimate your Preventive Health Plan value in the ROI Calculator
Where we look
- Rebates, rewards, and interchange feesHow they’re treated at tax time, and what that means for the real value of your card strategy.
- Owner compensationFor the right owner, card rebates can offset part of what you’d otherwise pay yourself in W-2 wages. We’ll walk through whether it fits, and your CPA makes the call.
- FICA savingsOur Preventive Health Plan can reduce employer FICA costs for employers with 25+ W-2 employees who already offer health benefits. It used to be available only to companies with 1,000+ employees. Qualifying participation may also fund a ClearView contribution to a charity you choose.
- The Augusta RuleA little-known provision for business owners. We’ll walk you through whether it applies to you.
- Predominant use studyFor manufacturers. An engineer reviews how your facility uses electricity, and the share used in manufacturing may qualify for sales tax savings.
The Preventive Health Plan is not a replacement for your existing health insurance. Plan details, eligibility, and compliance come from our benefits partner and your professional advisors.
Pillar 3
Strategic Sourcing
Improve margins by lowering the cost of things you already buy. The goal isn’t to switch vendors for the sake of it. It’s to find out whether you’re buying strategically and whether better pricing or terms are on the table.
- Water
- Electricity
- Merchant processing
- Vendor & supplier costs
- Contract pricing
- Supplier terms
- Recurring operating expenses
- Spend and category reviewWhere your recurring dollars go and which categories deserve a closer look.
- Pricing and contract reviewA business-level look at what you pay and the terms you signed.
- Alternatives and renewal timingOptions worth comparing, and when to raise them.
- Negotiation supportHelp preparing for the conversation with your supplier.
Additional solutions
More tools, when they fit the plan.
Some plans call for more than the three pillars. These aren’t part of every engagement, but we can help you evaluate them when they make sense.
- Business FundingSBA and alternative business funding.
- Contractor FinancingFinancing you can offer your own customers.
- Business credit and liquidityBusiness card programs from Flex, Capital One, and Chase.
Want to know what ClearView could be worth to you?
Run your own numbers in the ROI Calculator, or tell us a little about your business. We’ll tell you plainly whether we see an opportunity worth chasing.