A significant share of the problems founders bring us are not structural at all. They are administrative: an account that will not open, a processor that will not respond, a director who will not sign, a document a bank keeps asking for. Individually trivial, collectively the reason a launch slips a quarter.
The concierge engagement handles that layer directly. We work the applications, prepare the documents to the standard institutions actually want, manage the follow-ups and escalation, and stay with it until the account is open or the relationship is live.
It is deliberately practical work, and it is honest about its limits. We do not guarantee outcomes that depend on an institution’s decision, and we will tell you at the outset when a decline is more likely than an approval and what would change that.
- You cannot open a bank account for a legitimate business and cannot find out why.
- A processor, custodian or service provider has stopped responding to a live application.
- Institutions keep asking for documents and you are unsure how to prepare them.
- Your existing relationships have stalled and you need someone to work them directly.
Applications prepared properly
Most account and processor rejections are caused by incomplete or inconsistent applications. Preparing them to the standard institutions expect is the single highest-leverage activity.
Persistence and escalation
Much of this work is following up, providing what was asked for and escalating appropriately rather than resubmitting and hoping.
Candid about the odds
Some applications will not succeed on the current structure or story. We say so early, and identify what would need to change rather than burning months on a repeat.
- Application preparation for banks, processors and financial service providers
- Supporting document pack — corporate, ownership, source-of-funds and business narrative
- Application submission, follow-up and escalation management
- Director, officer and signatory coordination
- Institution-by-institution status tracking with a clear read on likelihood
- Handover on completion, with the documents and contacts organised for the next application
- 01
Establish the target
What exactly is needed — an account, a processor, a custody relationship — and which institutions realistically provide it for your business.
- 02
Assemble the file
Corporate documents, ownership structure, source-of-funds evidence and a business narrative prepared to institution standard.
- 03
Submit and pursue
Applications filed, questions answered promptly and escalations made where a process has stalled.
- 04
Coordinate people
Directors, signatories and officers lined up and available, since a missing signature is a common and avoidable delay.
- 05
Close out and hand over
The relationship opened, or a clear determination of why not, with the file organised for the next attempt.
Single-relationship mandate
One specific target — an account, a processor, a custodian — worked through to a decision.
Multi-application programme
Several relationships pursued in parallel, with the file prepared once and adapted to each institution.
Retained access support
Standing support for ongoing applications, renewals and service relationships as the business grows.
- Requests to obscure the nature of a business from an institution — the relationship will not survive the discovery.
- Businesses whose model is unlawful in the target market, where the correct advice is to change the model rather than the application.
No, and any provider that does is misleading you. The decision sits with the institution. What we can do is maximise the quality of the application, target institutions with genuine appetite for your business, and give you an honest early read on whether the current structure is likely to succeed.
Because risk decisions are frequently not articulated, and because the real reason is sometimes appetite rather than any defect in the application. We work from the pattern: whether the issue is category, structure, documentation or presentation, since each has a different remedy.
Varies by institution, but generally corporate formation and ownership documents, identification and verification for directors and beneficial owners, source-of-funds evidence, and a business narrative describing the model and its controls. We build the pack once and adapt it per institution.
A straightforward account can take a few weeks; a complex or high-risk relationship can take months, often dominated by the institution’s process rather than our work. We track each application and tell you when a stalled process needs a different approach rather than more patience.