Every small business owner has cash sitting somewhere — reserves for slow months, working capital, tax set-aside, the down payment on the next truck. Most of it earns nothing. Some of it should. Here's how to fix that without putting it in the market.
Most business checking accounts pay 0-0.5% APY. A business savings tier at the same bank might get you 1-2%. Meanwhile a 3-year guaranteed rate — the exact same principal-protection guarantee you'd get from a CD — is paying north of 5%. On $100,000 sitting still, that's roughly $4,000 to $4,500 a year the bank is quietly keeping.
And no — you don't have to give up liquidity, take market risk, or lock everything into a 10-year contract to get it.
Illustrative rates as of August 14, 2026. Rates change at renewal. Guaranteed-rate contracts are principal-protected and subject to the claims-paying ability of the issuing company. Early withdrawal may incur surrender charges.
Cash flow is lumpy. You need money on hand for materials, payroll, the slow winter. Reserves earning nothing means you're subsidizing the bank. We help you hold it somewhere that pays you real interest.
Accountants, attorneys, medical practices, agencies. Client trust funds and operating reserves that need to stay principal-protected but shouldn't be earning zero. Guaranteed-rate reserves solve both.
Between the tax set-aside, the equipment fund, and the "just in case" reserve, most retailers have $50K-$500K sitting still. We map what needs to stay liquid and what can earn.
Sale proceeds landed in your bank account. It's not going back into the business. It shouldn't sit at 0.5%. Before it moves anywhere else, let's talk about the protected side of the plan.
Enter your current bank rate and see what a guaranteed rate would produce on the same money over 5 to 20 years. No sales call required.
Open the calculator →Every dollar you own behaves like either a stock (its value swings, its income is uncertain) or a bond (its value is stable, its income is predictable). Most business cash is supposed to act like a bond — but sitting at 0.20% in a checking account, it's actually just a bond that's slowly losing to inflation.
A guaranteed-rate reserve doesn't change what the money is for. It just makes it act like a bond that's actually doing its job.
