Independent Financial Operations Assessment
Independent Financial Operations Assessment
Is Your Business Paying Too Much to Access Its Own Money?
Is Your Business Paying Too Much to Access Its Own Money?
Is Your Business Paying Too Much to Access Its Own Money?
OptiFlow independently evaluates your business banking relationships, payment-processing costs, payout timing, and financial-service structure to identify unnecessary expenses and opportunities to improve liquidity.
OptiFlow independently evaluates your business banking relationships, payment-processing costs, payout timing, and financial-service structure to identify unnecessary expenses and opportunities to improve liquidity.
Independent analysis. No banking products. No processor sales.
Independent analysis. No banking products. No processor sales.
Assessment Focus
Assessment Focus
No product sales
Cost — Banking, processing, transfer, and service fees.
Cost — Banking, processing, transfer, and service fees.
Speed — Deposit availability, payout timing, and settlement delays.
Speed — Deposit availability, payout timing, and settlement delays.
Liquidity — When earned revenue becomes usable operating capital.
Liquidity — When earned revenue becomes usable operating capital.
Former Bank of America Banker and Teller
Former Bank of America Banker and Teller
Independent Provider Analysis
Independent Provider Analysis
Operations & Supply Chain Management Background
Operations & Supply Chain Management Background
Service Available in English and Spanish
Service Available in English and Spanish
Financial Friction Adds Up
Financial Friction Adds Up
Your financial setup may no longer fit the business you have today.
Your financial setup may no longer fit the business you have today.
Many business owners open accounts with the same institution they use personally, select widely recognized providers, and continue using the original structure as the business grows. What was convenient at the beginning may later create unnecessary costs, slower access to revenue, and avoidable dependence on borrowed funds.
Many business owners open accounts with the same institution they use personally, select widely recognized providers, and continue using the original structure as the business grows. What was convenient at the beginning may later create unnecessary costs, slower access to revenue, and avoidable dependence on borrowed funds.
Processing costs reduce margins
Processing costs reduce margins
Percentage fees, transaction charges, equipment costs, paid transfers, and service add-ons can materially affect profitability.
Percentage fees, transaction charges, equipment costs, paid transfers, and service add-ons can materially affect profitability.
Revenue takes too long to become usable
Revenue takes too long to become usable
Processor settlement schedules, payout timing, deposit holds, and transfers between institutions may delay access to earned cash.
Processor settlement schedules, payout timing, deposit holds, and transfers between institutions may delay access to earned cash.
Accounts may not match actual business needs
Accounts may not match actual business needs
A familiar account is not always the most operationally or financially appropriate account for the company’s current activity.
A familiar account is not always the most operationally or financially appropriate account for the company’s current activity.
Cash is fragmented across platforms
Cash is fragmented across platforms
Banks, processors, payroll systems, and marketplace platforms may create unnecessary transfers, delays, and administrative work.
Banks, processors, payroll systems, and marketplace platforms may create unnecessary transfers, delays, and administrative work.
The business pays for speed
The business pays for speed
Instant deposits, expedited transfers, same-day services, and emergency funding can become recurring expenses instead of occasional tools.
Instant deposits, expedited transfers, same-day services, and emergency funding can become recurring expenses instead of occasional tools.
Borrowing may be caused by timing
Borrowing may be caused by timing
Some companies rely on credit while revenue is still settling, transferring, or sitting in an account that is not aligned with upcoming obligations.
Some companies rely on credit while revenue is still settling, transferring, or sitting in an account that is not aligned with upcoming obligations.
OptiFlow determines whether these issues exist. We do not assume that every provider or account should be changed.
OptiFlow determines whether these issues exist. We do not assume that every provider or account should be changed.
Scope of Review
Scope of Review
We evaluate the financial relationships that control how business funds are received, held, transferred, and accessed.
We evaluate the financial relationships that control how business funds are received, held, transferred, and accessed.
Banking Relationships
Banking Relationships
Account types, monthly fees, minimum-balance requirements, transaction limits, cash-deposit fees, ACH and wire fees, transfer costs, overdraft and nonsufficient-funds fees, funds availability, deposit holds, account purpose, and operational fit.
Account types, monthly fees, minimum-balance requirements, transaction limits, cash-deposit fees, ACH and wire fees, transfer costs, overdraft and nonsufficient-funds fees, funds availability, deposit holds, account purpose, and operational fit.
Payment Processors
Payment Processors
Effective processing costs, percentage rates, per-transaction charges, monthly fees, gateway and statement fees, equipment costs, expedited payout fees, settlement timing, reserves, holds, refunds, chargebacks, and operational compatibility.
Effective processing costs, percentage rates, per-transaction charges, monthly fees, gateway and statement fees, equipment costs, expedited payout fees, settlement timing, reserves, holds, refunds, chargebacks, and operational compatibility.
Payroll Providers
Payroll Providers
Reviewed only when selected by the client: base subscriptions, per-employee and per-payroll fees, direct-deposit costs, off-cycle payroll charges, tax-filing and year-end charges, paid add-ons, and services being paid for but not meaningfully used.
Reviewed only when selected by the client: base subscriptions, per-employee and per-payroll fees, direct-deposit costs, off-cycle payroll charges, tax-filing and year-end charges, paid add-ons, and services being paid for but not meaningfully used.
Marketplace and Payout Platforms
Marketplace and Payout Platforms
Uber Eats, DoorDash, Grubhub, PayPal, Stripe, Square, and other payout relationships: platform deductions, payout schedules, transfer timing, paid instant payouts, holds, reconciliation concerns, and effects on usable liquidity.
Uber Eats, DoorDash, Grubhub, PayPal, Stripe, Square, and other payout relationships: platform deductions, payout schedules, transfer timing, paid instant payouts, holds, reconciliation concerns, and effects on usable liquidity.
Liquidity and Cash Movement
Liquidity and Cash Movement
Time from customer payment to usable cash, movement between institutions, cash distributed across platforms, paid transfers, settlement delays, timing differences between revenue and payroll, potential contribution to short-term borrowing, and estimated capital that may become available sooner.
Time from customer payment to usable cash, movement between institutions, cash distributed across platforms, paid transfers, settlement delays, timing differences between revenue and payroll, potential contribution to short-term borrowing, and estimated capital that may become available sooner.
The assessment identifies findings and general recommendations. Detailed provider selection, transition planning, and execution are part of a separate implementation engagement.
The assessment identifies findings and general recommendations. Detailed provider selection, transition planning, and execution are part of a separate implementation engagement.
The OptiFlow Process
The OptiFlow Process
A clear path from independent assessment to informed execution.
A clear path from independent assessment to informed execution.
01
Independent Assessment
Independent Assessment
The client selects the appropriate assessment level and submits requested records through a separate secure onboarding process. OptiFlow reviews the selected banking institutions, payment processors, payout platforms, related costs, and funds-availability patterns.
The client selects the appropriate assessment level and submits requested records through a separate secure onboarding process. OptiFlow reviews the selected banking institutions, payment processors, payout platforms, related costs, and funds-availability patterns.
Paid diagnostic engagement
02
Findings Report
Findings Report
The client receives a professional report identifying relevant costs, liquidity concerns, operational observations, projected savings where supportable, and general recommendations. Every assessment includes one complimentary 30-minute Zoom findings consultation. In-person findings meetings may be available based on location and scheduling with written travel and billable-time estimates before scheduling.
The client receives a professional report identifying relevant costs, liquidity concerns, operational observations, projected savings where supportable, and general recommendations. Every assessment includes one complimentary 30-minute Zoom findings consultation. In-person findings meetings may be available based on location and scheduling with written travel and billable-time estimates before scheduling.
Findings and projected impact
03
Strategic Implementation Management
Strategic Implementation Management
The client may use the findings report and make changes independently or retain OptiFlow to develop and manage the implementation strategy. Implementation engagements begin at $5,000.
The client may use the findings report and make changes independently or retain OptiFlow to develop and manage the implementation strategy. Implementation engagements begin at $5,000.
Separate scope and project fee
Assessment tells you what may need to change. Implementation determines how the approved changes should be evaluated, selected, and completed.
Assessment tells you what may need to change. Implementation determines how the approved changes should be evaluated, selected, and completed.
What You Receive
What You Receive
A professional findings report built for business decisions.
A professional findings report built for business decisions.
Projected savings are estimates based on the records reviewed, current pricing, available alternatives, and stated business activity. Actual outcomes depend on provider approval, negotiated terms, transaction mix, client decisions, and successful implementation.
Projected savings are estimates based on the records reviewed, current pricing, available alternatives, and stated business activity. Actual outcomes depend on provider approval, negotiated terms, transaction mix, client decisions, and successful implementation.
OptiFlow Findings Report
OptiFlow Findings Report
Executive summary • Financial relationships reviewed • Current cost observations • Account and provider fit • Settlement and funds-availability findings • Identified liquidity delays • Projected annual savings where supportable • Estimated liquidity improvement where supportable • General recommended modifications • Priority ranking • Assumptions and limitations • Decision point for self-implementation or OptiFlow implementation management
Transparent Assessment Pricing
Transparent Assessment Pricing
Know the starting cost and standard scope before you contact us.
Know the starting cost and standard scope before you contact us.
OptiFlow charges a one-time fee to independently assess the selected financial relationships affecting your business. Pricing is based primarily on annual business revenue and assumes a standard review of one banking relationship and one payment processor. Additional relationships and unusually complex records may increase the final assessment fee.
OptiFlow charges a one-time fee to independently assess the selected financial relationships affecting your business. Pricing is based primarily on annual business revenue and assumes a standard review of one banking relationship and one payment processor. Additional relationships and unusually complex records may increase the final assessment fee.
Assessment pricing pays for the independent diagnosis and findings report. Strategic planning, provider selection, negotiations, transition management, and execution are separate implementation services.
Assessment pricing pays for the independent diagnosis and findings report. Strategic planning, provider selection, negotiations, transition management, and execution are separate implementation services.
Small Business Assessment
Small Business Assessment
For businesses with annual gross revenue below $250,000
For businesses with annual gross revenue below $250,000
Starting at $899
One-time assessment fee. Includes one legal business entity, one primary banking relationship, one primary payment processor, standard electronic records, relevant fees, settlement and payout timing, funds availability, common transfer costs, general recommendations, projected annual savings where supportable, a written findings report, and one complimentary 30-minute Zoom findings consultation.
One-time assessment fee. Includes one legal business entity, one primary banking relationship, one primary payment processor, standard electronic records, relevant fees, settlement and payout timing, funds availability, common transfer costs, general recommendations, projected annual savings where supportable, a written findings report, and one complimentary 30-minute Zoom findings consultation.
For Growing Businesses
For Growing Businesses
Growth Business Assessment
Growth Business Assessment
For businesses with annual gross revenue from $250,000 to under $1 million
For businesses with annual gross revenue from $250,000 to under $1 million
Starting at $1,599
One-time assessment fee. Includes the standard scope plus expanded bank-account cost review, expanded payment-processing cost analysis, effective processing cost where records allow, deposit and transfer timing, paid instant-transfer or expedited-payout expenses, projected savings where supportable, estimated recoverable liquidity days, estimated capital that may become available sooner, a written findings report, and one complimentary Zoom consultation.
One-time assessment fee. Includes the standard scope plus expanded bank-account cost review, expanded payment-processing cost analysis, effective processing cost where records allow, deposit and transfer timing, paid instant-transfer or expedited-payout expenses, projected savings where supportable, estimated recoverable liquidity days, estimated capital that may become available sooner, a written findings report, and one complimentary Zoom consultation.
Established Business Assessment
Established Business Assessment
For businesses with annual gross revenue of $1 million or more
For businesses with annual gross revenue of $1 million or more
Custom Pricing
Scope reviewed before final quote. Businesses at this level may vary significantly in transaction volume, number of locations, banking structure, processors, platforms, payroll arrangements, and document volume. The final proposal specifies relationships, documents, time period, deliverables, assessment fee, adjustments, excluded services, completion schedule, and payment requirements.
Scope reviewed before final quote. Businesses at this level may vary significantly in transaction volume, number of locations, banking structure, processors, platforms, payroll arrangements, and document volume. The final proposal specifies relationships, documents, time period, deliverables, assessment fee, adjustments, excluded services, completion schedule, and payment requirements.
Additional Financial Relationships
Additional Financial Relationships
Each standard assessment includes one banking relationship and one payment processor. Each additional financial relationship requested for review adds $75 to the assessment fee unless the size or complexity of that relationship requires custom pricing. A financial relationship is a separate institution, provider, platform, or service with its own statements, pricing, payout practices, settlement schedule, fees, contract terms, or operating requirements.
Each standard assessment includes one banking relationship and one payment processor. Each additional financial relationship requested for review adds $75 to the assessment fee unless the size or complexity of that relationship requires custom pricing. A financial relationship is a separate institution, provider, platform, or service with its own statements, pricing, payout practices, settlement schedule, fees, contract terms, or operating requirements.
Examples include an additional bank or credit union, payment processor, payroll provider, Uber Eats, DoorDash, Grubhub, PayPal, Stripe, Square, Toast, Clover, marketplace payout platform, merchant-service provider, bill-payment or disbursement platform, or another service that receives, holds, processes, transfers, or disburses business funds. Multiple business accounts at the same banking institution are generally treated as one banking relationship when part of the same legal entity and reasonably reviewed within the standard scope.
Examples include an additional bank or credit union, payment processor, payroll provider, Uber Eats, DoorDash, Grubhub, PayPal, Stripe, Square, Toast, Clover, marketplace payout platform, merchant-service provider, bill-payment or disbursement platform, or another service that receives, holds, processes, transfers, or disburses business funds. Multiple business accounts at the same banking institution are generally treated as one banking relationship when part of the same legal entity and reasonably reviewed within the standard scope.
Example 1: Under $250,000. One bank and one payment processor. Estimated assessment fee: $899.
Example 1: Under $250,000. One bank and one payment processor. Estimated assessment fee: $899.
Example 2: Under $250,000. One bank, one payment processor, Uber Eats, DoorDash. Estimated assessment fee: $1,049.
Example 2: Under $250,000. One bank, one payment processor, Uber Eats, DoorDash. Estimated assessment fee: $1,049.
Example 3: $250,000 to under $1 million. One bank, one processor, payroll provider, PayPal. Estimated assessment fee: $1,749.
Example 3: $250,000 to under $1 million. One bank, one processor, payroll provider, PayPal. Estimated assessment fee: $1,749.
Example 4: $1 million or more with several platforms and providers. Pricing result: custom assessment quote.
Example 4: $1 million or more with several platforms and providers. Pricing result: custom assessment quote.
Document-Complexity Adjustment
Document-Complexity Adjustment
A flat 15% document-complexity adjustment may apply when the records provided require substantially more manual work than is normally expected for the selected assessment. It may apply when records are paper-based, scanned as images, incomplete, unlabeled, mixed together, not searchable, duplicated, missing periods, inconsistent, unusually voluminous, or require significant manual extraction or reconciliation. The adjustment is not automatically charged based only on industry. OptiFlow will notify the client before beginning; the client may accept the revised fee or reduce scope. If records fall materially outside normal scope, OptiFlow may provide a custom quote instead.
A flat 15% document-complexity adjustment may apply when the records provided require substantially more manual work than is normally expected for the selected assessment. It may apply when records are paper-based, scanned as images, incomplete, unlabeled, mixed together, not searchable, duplicated, missing periods, inconsistent, unusually voluminous, or require significant manual extraction or reconciliation. The adjustment is not automatically charged based only on industry. OptiFlow will notify the client before beginning; the client may accept the revised fee or reduce scope. If records fall materially outside normal scope, OptiFlow may provide a custom quote instead.
Beyond the Findings
Beyond the Findings
Each approved modification becomes its own independent decision process.
Each approved modification becomes its own independent decision process.
Implementation is a separate, fixed-fee engagement. No implementation project is priced below $5,000. The assessment identifies what may need to change. Strategic Implementation Management determines how each approved modification should be evaluated, selected, planned, and completed.
Implementation is a separate, fixed-fee engagement. No implementation project is priced below $5,000. The assessment identifies what may need to change. Strategic Implementation Management determines how each approved modification should be evaluated, selected, planned, and completed.
Define Requirements
Define Requirements
Document transaction volume, integrations, payout requirements, account use, operational constraints, and desired outcomes.
Document transaction volume, integrations, payout requirements, account use, operational constraints, and desired outcomes.
Evaluate the Current Relationship
Evaluate the Current Relationship
Confirm current costs, contractual requirements, settlement performance, functionality, risks, and operational limitations.
Confirm current costs, contractual requirements, settlement performance, functionality, risks, and operational limitations.
Compare Alternatives
Compare Alternatives
Compare the current relationship with at least two potentially more beneficial alternatives when appropriate and available.
Compare the current relationship with at least two potentially more beneficial alternatives when appropriate and available.
Present the Options
Present the Options
Provide objective comparisons of cost, timing, service, compatibility, transition requirements, and relevant risks.
Provide objective comparisons of cost, timing, service, compatibility, transition requirements, and relevant risks.
Manage the Approved Transition
Manage the Approved Transition
Develop the strategic plan, coordinate milestones, support provider communications, track requirements, and verify approved modifications.
Develop the strategic plan, coordinate milestones, support provider communications, track requirements, and verify approved modifications.
The client remains responsible for all final decisions and financial actions. OptiFlow does not open accounts, sign provider agreements, access passwords, approve transactions, transfer funds, or take custody of client money.
The client remains responsible for all final decisions and financial actions. OptiFlow does not open accounts, sign provider agreements, access passwords, approve transactions, transfer funds, or take custody of client money.
Why OptiFlow
Why OptiFlow
Independent analysis from someone who understands both banking and operations.
Independent analysis from someone who understands both banking and operations.
Banking Experience
Banking Experience
Founded by a former Bank of America banker and teller with firsthand experience assisting customers with account services, transactions, banking products, and common account-related concerns.
Founded by a former Bank of America banker and teller with firsthand experience assisting customers with account services, transactions, banking products, and common account-related concerns.
Operational Perspective
Operational Perspective
Recommendations are evaluated through operational efficiency, process improvement, liquidity, cost reduction, and business fit—not product sales.
Recommendations are evaluated through operational efficiency, process improvement, liquidity, cost reduction, and business fit—not product sales.
Independent Structure
Independent Structure
OptiFlow does not represent a bank, payment processor, payroll company, lender, or investment firm.
OptiFlow does not represent a bank, payment processor, payroll company, lender, or investment firm.
Bilingual Service
Bilingual Service
Professional service is available in English and Spanish to help business owners clearly understand findings, options, costs, and implementation considerations.
Professional service is available in English and Spanish to help business owners clearly understand findings, options, costs, and implementation considerations.
The founder is currently completing a bachelor’s degree in Operations and Supply Chain Management.
The founder is currently completing a bachelor’s degree in Operations and Supply Chain Management.
Built from banking experience and an operations mindset.
Built from banking experience and an operations mindset.
OptiFlow was founded by Gustavo Reynaga Bonilla, a former Bank of America banker and teller who is completing a bachelor’s degree in Operations and Supply Chain Management. His experience exposed him to how individuals and businesses select accounts, understand fees, access deposits, move funds, and resolve everyday banking concerns. Rather than selling a particular bank, payment processor, or payroll provider, OptiFlow evaluates whether the client’s current structure is serving the business and identifies general modifications when a more efficient structure may exist.
OptiFlow was founded by Gustavo Reynaga Bonilla, a former Bank of America banker and teller who is completing a bachelor’s degree in Operations and Supply Chain Management. His experience exposed him to how individuals and businesses select accounts, understand fees, access deposits, move funds, and resolve everyday banking concerns. Rather than selling a particular bank, payment processor, or payroll provider, OptiFlow evaluates whether the client’s current structure is serving the business and identifies general modifications when a more efficient structure may exist.
Former Bank of America banker and teller • Operations and Supply Chain Management degree candidate • Process-improvement focused • Bilingual in English and Spanish • Independent of banks and payment providers
Former Bank of America banker and teller • Operations and Supply Chain Management degree candidate • Process-improvement focused • Bilingual in English and Spanish • Independent of banks and payment providers
Independent by Design
Independent by Design
Banks recommend their own accounts. Payment processors recommend their own platforms. Payroll companies recommend their own services. OptiFlow independently evaluates how these relationships work together and whether they are producing appropriate cost, speed, and liquidity for the client’s business.
Banks recommend their own accounts. Payment processors recommend their own platforms. Payroll companies recommend their own services. OptiFlow independently evaluates how these relationships work together and whether they are producing appropriate cost, speed, and liquidity for the client’s business.
No financial-product sales
No financial-product sales
No custody of client funds
No custody of client funds
No guaranteed savings claims
No guaranteed savings claims
FAQ
FAQ
Questions business owners ask before requesting an assessment.
Questions business owners ask before requesting an assessment.
What exactly does OptiFlow do?
Does OptiFlow sell banking or payment-processing products?
Does OptiFlow guarantee savings?
What if my current setup is already appropriate?
Will OptiFlow need my banking password?
Do I upload bank statements through this website?
What is included in the assessment price?
What counts as an additional financial relationship?
Do I have to hire OptiFlow for implementation?
Is OptiFlow affiliated with Bank of America?
Request Assessment Information
Request Assessment Information
Tell us about your business and the financial relationships you would like reviewed. OptiFlow will evaluate the information and contact you regarding the appropriate assessment.
Tell us about your business and the financial relationships you would like reviewed. OptiFlow will evaluate the information and contact you regarding the appropriate assessment.
After submission: Thank you for contacting OptiFlow. Your inquiry has been received. We will review the information provided and contact you regarding the appropriate next step. Please do not email sensitive financial documents unless you have received authorized secure-upload instructions.
Find out whether your financial infrastructure is supporting your business—or quietly costing it money.
Find out whether your financial infrastructure is supporting your business—or quietly costing it money.
Begin with an independent OptiFlow assessment. Understand the findings. Then decide whether to implement the recommendations independently or retain OptiFlow to manage the process.
Begin with an independent OptiFlow assessment. Understand the findings. Then decide whether to implement the recommendations independently or retain OptiFlow to manage the process.
Assessment pricing begins at $899. Implementation engagements begin at $5,000.
Assessment pricing begins at $899. Implementation engagements begin at $5,000.