Titan Bank treats small business like a big deal. The time-tested financial institution is an FDIC-insured bank with offices in Texas and a nationwide digital offering for SMEs. It has established a strong digital presence over the past 20 years. Titan Online business accounts can be set up within 24 hours, complete with free debit cards, initial business checks, Quickbooks-integration and withdrawals via a nationwide network of 37,000 ATMs. Clients can access Titan’s online portal for fee-free mobile deposits and ACH payments, or get in touch via the call centre. The portal has tools enabling larger corporate clients to work across countries — and multi-billion-dollar accounts. Titan makes commercial loans from $250,000 to $5m, providing businesses nationwide with fair terms, quick decisions and fast closing on funding. Specialised loan programmes help SMEs to invest in income-producing properties or purchase, refinance, and expand business premises. Titan makes business acquisition loans, lends capital for the construction and expansion of business facilities, and is one of few banks to offer non-recourse loans to its retirement plan customers. The bank connects clients with government loan programmes and was recognised by the Small Business Administration for its streamlined funding process. The CFI.co judging panel was impressed by Titan’s handling of $200m in claims in the first three days of the government’s Covid relief-lending programme. Titan Bank wins the 2021 award for Best Online SME Bank (US).