Banking & Financial Strategy.

What this service means

Banking strategy defines how an organization interacts with its financial counterparties — the structure of its relationships, the pricing it secures, the services it consumes, and the leverage it brings to negotiations. Done well, it materially reduces financial cost and risk. Done passively, it quietly compounds inefficiencies year after year.

The client problem we address

Most companies inherit their banking structure rather than design it. Pricing transparency is limited. FX spreads sit well above market. Credit terms reflect the conditions of past phases of the business, not current ones. Single-bank dependency creates concentration risk. And as the company grows, fees, services, and relationships rarely scale with negotiating leverage.

What Firma Advisory does

Firma Advisory works as an external, independent counterpart to the banking environment — analyzing pricing, structuring relationships, and supporting negotiations to align banking arrangements with the business.

• Bank relationship review and benchmarking
• FX pricing analysis and execution framework
• Credit facility structure and pricing review
• Payment and cash management service review
• Bank RFP design and negotiation support
• Diversification of banking counterparts where appropriate

The impact for clients

• Lower banking and FX costs
• Improved pricing transparency
• Better credit terms and access
• Reduced single-bank dependency
• Stronger negotiation leverage in future cycles
• Banking structure aligned with business strategy