See Sympera at American Banker Small Business Banking, Oct 26–28, Chicago.Save your seat
American Banker Small Business BankingOct 26–28, Chicago · Save your seat
The New Operating
System for
Relationship Banking
An AI action layer that delivers banker-ready actions to scale relationship banking — driving growth and expanding share of wallet.
Banking Partners include community, regional, and super regional banks
focused on commercial banking teams and branch.
A trillion-dollar
relationship business
still runs on instinct.
500K+ North American bankers manage business, commercial and mass-affluent relationships. They must decide who to call, what to offer, and when to act — and without a consistent system, those decisions default to instinct and tenure.
offer, and when to act.
internal and external data.
rarely formalized.
instinct and tenure.
Why relationship banking
is uniquely difficult.
Five things make relationship banking a problem of its own. Generic tools were not built for this.
Banking relationships are difficult to displace.
Winning share requires earning trust and changing established behavior.
Each bank has different strengths.
Products, expertise, risk appetite, and coverage determine which opportunities the bank can win.
Signals are fragmented
Relevant evidence lives across core data, external activity, market signals, and banker knowledge.
Compliance and data
protection
Sensitive bank data must remain controlled within a regulated environment.
Actions must be banker-ready
The system must identify the right opportunity and next step while keeping the banker in control.
The operating system for
relationship banking.
Learns fromyour bankers
Every action a
relationship needs.
Sympera turns internal and external signals into the next best action — on the banker’s list, with the reason to act, or delivered to the customer as a timely, personalized touch.
Scans external signals to find the ~4–5% of companies showing meaningful business activity.
HIGH-VALUE OPPORTUNITY · EXTERNAL SIGNALSConnects internal account signals with external signals on the same client into one action with a lead-with product.
EXTERNAL SIGNALSRieke Interiors was contacted before; a local construction update creates a reason to reconnect.
A new CFO joins a prospect with an open treasury deal → the banker advances next steps while it matters.
A manager sees high-priority actions with no follow-up → coaches the banker on next steps.
Sullivan Eastern Inc
Site development and utility contractor · Morrisville, NC · $20M–$50M · prospect, lead score 80
Four equipment liens mature December 13–29, 2026, out of 55 active UCC filings with John Deere, Liebherr, Wells Fargo and Volvo. That is the opening for SouthState equipment financing and a working capital line.
- UCC maturities inside six months, several bank lenders already in place
- Active industrial projects: Welcome Venture Park Phase IIA completed
- Hosting the Safety Showcase, visible industry leadership
- NUCA Young Leaders event, a growing professional network
- 01Equipment Loans to refinance the December maturities
- 02Working Capital Line of Credit for project costs ahead of collections
- 03Treasury Navigator® for visibility across project accounts and Positive Pay
- 04Business Sweep to put reserves to work between projects
Ridgeway Inc
Fleet leasing and equipment supplier · Charlotte, NC · existing customer · lead score 80
$11.71MM in term loans mature from October 15 through December, and ~$10.66MM a year of debt service goes to outside lenders, Santander among them. Renew or consolidate, put the $5.12MM checking float to work, and review treasury controls across the three accounts.
Daily checking balance across the three accounts, $5.12MM on 09/18. It swings with the equipment cycle but never falls below ~$3.55MM: that floor is idle cash a sweep or money market can earn on.
- Debt maturities: term loans due 10/15/2026, then November and December
- Payment volume: 1,274 checks ($34.17MM), $16.08MM ACH, 43 wires ($9.14MM)
- Multiple secured lenders: 14 UCC filings maturing 2027–2030, several banks
- Strong operations: favorable inventory for the 2027 model year, 5.0 customer rating
- 01Term Loans to renew, refinance or consolidate the maturities and outside debt
- 02Liquidity / Deposit Optimization: sweep or money market on the checking floor
- 03Relationship / Treasury Review of controls, account structure and reporting
Scans external signals to find the ~4–5% of companies showing meaningful business activity.
HIGH-VALUE OPPORTUNITY · EXTERNAL SIGNALSSullivan Eastern Inc
Site development and utility contractor · Morrisville, NC · $20M–$50M · prospect, lead score 80
Four equipment liens mature December 13–29, 2026, out of 55 active UCC filings with John Deere, Liebherr, Wells Fargo and Volvo. That is the opening for SouthState equipment financing and a working capital line.
- UCC maturities inside six months, several bank lenders already in place
- Active industrial projects: Welcome Venture Park Phase IIA completed
- Hosting the Safety Showcase, visible industry leadership
- NUCA Young Leaders event, a growing professional network
- 01Equipment Loans to refinance the December maturities
- 02Working Capital Line of Credit for project costs ahead of collections
- 03Treasury Navigator® for visibility across project accounts and Positive Pay
- 04Business Sweep to put reserves to work between projects
Connects internal account signals with external signals on the same client into one action with a lead-with product.
EXTERNAL SIGNALSRidgeway Inc
Fleet leasing and equipment supplier · Charlotte, NC · existing customer · lead score 80
$11.71MM in term loans mature from October 15 through December, and ~$10.66MM a year of debt service goes to outside lenders, Santander among them. Renew or consolidate, put the $5.12MM checking float to work, and review treasury controls across the three accounts.
Daily checking balance across the three accounts, $5.12MM on 09/18. It swings with the equipment cycle but never falls below ~$3.55MM: that floor is idle cash a sweep or money market can earn on.
- Debt maturities: term loans due 10/15/2026, then November and December
- Payment volume: 1,274 checks ($34.17MM), $16.08MM ACH, 43 wires ($9.14MM)
- Multiple secured lenders: 14 UCC filings maturing 2027–2030, several banks
- Strong operations: favorable inventory for the 2027 model year, 5.0 customer rating
- 01Term Loans to renew, refinance or consolidate the maturities and outside debt
- 02Liquidity / Deposit Optimization: sweep or money market on the checking floor
- 03Relationship / Treasury Review of controls, account structure and reporting
Measured in the
banker’s numbers.
Two U.S. banks, two different starting points. Both measured Sympera in term sheets, action rates and follow-through.
Now rolling out to 250 bankers across 14 markets.
One of the bank’s largest new relationships was converted through the program.
Relationships you
can bank on.
See what impact Sympera can bring to your growth strategy in four weeks.