Practice Area
A corporate bank account, recommended and placed.
LTB is not a bank, payment institution, or electronic money institution. The practice holds no client funds and issues no accounts. What it does is recommend a banking route based on your business and structure, place the file with the licensed institution whose appetite genuinely covers it, and follow the matter through to an opened account.
How Placement Works
Banks underwrite in a fixed order: the activity, the jurisdiction of the entity, the residence of the beneficial owner, then the expected payment flows. A structure assembled without those four in view is frequently refused on the second before anyone reads the business plan, which is why incorporation and banking are treated as one exercise here rather than two.
LTB maintains relationships with banks, electronic money institutions, and high-risk acquirers across the jurisdictions clients require, and confirms appetite before an application is made. The file is then prepared to the standard the onboarding team will apply: an accurate activity description, a traceable ownership chain, documented source of wealth, an operational AML framework, and expected flows that match what the account will really do.
The regulated act (opening the account, holding the funds, clearing the currency, settling the card volume) is performed by the licensed institution. LTB structures, places, negotiates terms where terms are negotiable, and remains the client's single point of contact throughout.
Representative Banking Matters
An account was closed without explanation
The letter cites internal policy because the bank is often prohibited from saying more. The trigger is still identifiable, and the funds still have to be released.
A merchant account application was declined
High-risk underwriting is a checklist before it is a judgement. The specific decline reason is established, then closed.
Processing again after a MATCH listing
Screening happens before underwriting. Some acquirers underwrite listed merchants deliberately, on terms agreed in advance.
Funds frozen pending source-of-funds proof
A compliance hold ends when the file is complete. What satisfies it is a traced chain for the specific credit, not an explanation.
A rolling reserve is draining cash flow
An approved account can withhold a percentage of gross volume for 180 days. Growth then consumes cash rather than producing it.
A bank lost its own correspondent relationship
When the correspondent withdraws, the local bank cannot clear the currency and closures cascade downstream.
Questions
Frequently Asked
Begin With a Confidential Conversation
Whether you were referred to LTB or found the practice directly, the first conversation is confidential and without obligation.
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