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Building financial solutions to take your business to new heights.

Payment and banking solutions to reinforce your business needs.

New infrastructure is the backbone of a healthy economy. From a sprawling outdoor shopping mall to a streamlined highway overpass, people around the country depend on the construction industry to draft, develop and modernize infrastructure to conduct business and create meaningful interactions. But for many contractors, the equipment that powers their business goes beyond just excavators and concrete mixers. Behind the scenes, back-offices are looking for ways to create profitability, increase visibility into payments, reduce fraud risks and decrease costs overall. When it comes to serving the construction industry, Commerce Bank has the experience, structure and stability to provide robust solutions for your organization.



Client Stories

August 25, 2021

How Your Business Can Integrate Payroll Cards - FAQs.

We have provided this list of guidance questions and answers for employers and employees considering payroll cards.

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July 27, 2021

Understanding Payroll Cards

Payroll cards are reloadable prepaid debit cards. Employers can direct deposit employees’ wages on the card so employees can take advantage of its convenience and immediacy.

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July 7, 2021

Prepaid Expense Cards Solve Per Diem Challenges

As a worldwide industry leader in cell tower installation, design and project management, Tower Systems turned to CommercePayments™ solutions from Commerce Bank.

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Banking, payment and financial solutions for the construction industry

Construction Industry Solutions brochure

The projects you build on the work site should be supported by the success you build within your back office. View our complimentary brochure on solutions to help support your firms’ financial goals.

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Earning revenue through your Accounts Payable department

CommercePaymentsTM - Turn your AP team into a revenue generator

Today’s construction industry is more competitive than ever. Even with tight budgets and slim margins, what if you could turn your Accounts Payable department into a revenue generator? See how virtual cards can be used to pay your suppliers and earn you additional revenue.

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Construction Accounts Payable Automation

Turn what you might consider overhead expense into profit generation within your accounting department, while making everyday processes more efficient.

CommercePayments™ AP Card lets you earn monthly profit share simply by replacing paper checks with electronic payments through the card networks. CommercePayments™ Payment Hub, an integrated payables solution portal that interfaces with your existing ERP, helping you create an automated payment strategy through consolidated, single payment files. With CommercePayments™ AP Invoice Automation, your business can take care of invoices from beginning to end. Invoices are received, scanned, approved and readied for payment according to your rules and policies.

Learn more about CommercePaymentsTM Payment Hub
Business Prepaid Cards for Construction companies

Commerce Bank offers construction firms a variety of business prepaid cards cards to make per diem and payroll easier.

The CommercePayments Prepaid Expense Card allows workers to easily access per diem and other funds allocated by your company, while your back-office has the ability to turn cash on or off, track purchases, set spending limits, and restrict specific merchant categories. CommercePayments DirectCheck Card is a low-cost payroll solution that’s easy for you to administer for employees who are not able to receive direct deposit to a bank account.

Learn more about the Prepaid Expense Card
Construction Accounts Receivable Automation

Designed to maximize accounts receivable efficiency, CommercePayments™ Integrated Receivables Receivables is a suite of solutions that allows you to run order to cash as a unified business process, encompassing credit, collections, deductions, cash application, electronic billing, and payment processing.

With Commerce’s Lockbox services, incoming payments are collected at a secure PO box and transported directly to Commerce for processing, eliminating the need for employees to handle and deposit incoming checks. CommercePayments CollectPay Online® is our fully hosted, electronic payment solution that broadens your customer’s web payment options while maintaining predictable cash flow for you.

Learn more about CommercePaymentsTM Merchant Services
Construction Fraud Prevention

Many fraud preventative measures are already integrated into Commerce Bank products, but there are additional solutions available to help keep your construction business from becoming a victim.

Reduce losses due to check altering and forgery with Positive Pay as it electronically compares each check presentment to your payment file. Discrepancies are flagged and reported through a special email alert. ACH Risk Manager helps you safeguard against fraudulent activity by filtering or blocking unauthorized electronic transactions based on criteria you establish.

Learn more about CommercePaymentsTM Fraud Prevention
Construction Financing and Lending

You’ve put in the time and sweat to build your firm. But your hard work shouldn’t come to a standstill when you’re ready expand your business. When it comes down to deciding if you’re ready to go bigger or improve what you already have, Commerce Bank is here to help you choose both.

Our financing and lending solutions are designed to help enterprises of all sizes, including lines of credit, equipment financing, real estate loans, term loans or employee stock ownership plan (ESOP) loans.

Learn moreEmployee Stock Ownership Plan (ESOP) Loans
Construction Investment Planning

Our Capital Markets Group (CMG)1 offers your company fixed income securities, self-directed cash management solutions and a full range of associated services to help you maximize return on your cash balances and increase control over investments — all while minimizing risk.

Commerce Trust Company offers investment consulting and can act as a fiduciary to provide customized fixed income solutions that meet your specific needs.

Questions? We're up for the challenge.

Challenge Accepted.(R)

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Disclosures:

  1. Investment products: This information does not constitute an investment solicitation. Please consult a licensed CMG Investment Representative for assistance. The Capital Markets Group (CMG) of Commerce Bank does not act as your ‘municipal advisor’ within the meaning of Section 15B of the Securities Exchange Act, and does not act in a fiduciary capacity. CMG is a division of Commerce Bank. CMG is not a Portfolio Manager, nor an Investment Advisor. Investments in Securities are NOT FDIC Insured; NOT Bank-Guaranteed and May Lose Value. CMG does not provide tax advice; please refer to your tax professional.
  2. Additional Information: Regulation F Reports
  3. To view or print a PDF file, Adobe® Reader® 9.5 or above is recommended. Download the latest version.