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Why High-Value Transactions Still Require a Personal Touch
Digital banking makes everyday tasks simple, but when it comes to high-value transactions, nothing replaces the insight and trust of a personal banking relationship.
Small- and mid-sized businesses (SMBs) rarely operate on “banker’s hours.” That is why convenient digital banking provides an accelerated, always-on avenue for routine interactions such as making deposits and checking account balances.
And yet, business leaders also recognize the limits of digital interfaces. For complex and high-stakes financial decisions —such as loans, real estate purchases, or mergers and acquisitions—executives tend to prioritize relationship-driven guidance and expertise.
In these circumstances, a personal connection is often non-negotiable, not only for the practical expertise that smooths the path, but as emotional support during tense, make-or-break scenarios.
A 2025 BankUnited survey of 200 Florida-based SMB owners showed that nearly twice as many respondents (32%) cited “local branch access/in-person support” as a more important factor in choosing a bank than innovative digital tools (17%). When the stakes rise, such as in six- or seven-figure loans or business acquisitions, many SMBs overwhelmingly want human support.
Here are three advantages that an expert banking team can bring during pivotal business transactions.
1. Manage the risks hidden in complex deals
As a business owner, you’re an expert in what you do, whether it’s running a print shop or managing a franchise. And just like you know your business better than anyone, when it comes to major financial endeavors, it pays to leave the details to a specialist.
Capital-intensive ventures, such as significant technology investments or business acquisitions, can present unique challenges, including complex loan structures, unfamiliar regulations, and potential tax implications.
For example, it’s easy to get overwhelmed throughout the process of commercial real estate loans; yet delays can mean losing out altogether or could result in the lasting implications of a higher interest rate. A knowledgeable banker can help anticipate and mitigate these pitfalls.
Common hurdles you might encounter include:
- Loan covenants or terms that limit future borrowing or expansion
- Contract clauses that shift unexpected liability onto the buyer or seller
- Missed tax considerations that affect cash flow or ownership structure
- Unexpected delays in funding or approval
These and countless other unforeseen challenges highlight the benefit of working with a professional who understands the technical details inherent in any opportunity and is equipped to walk executives through the intricacies.
“I can provide insights to help map out the best path forward and connect them to the financial services and products they need to realize their vision,” shares BankUnited CRE banker, Jonathan Smith.
2. Problem-solve in real time
Even with ample preparation, large transactions rarely unfold perfectly, and unexpected red flags could suddenly threaten progress. A responsive banker can quickly escalate and troubleshoot to keep negotiations on track. This flexibility can make the difference between closing on time or watching the window close.
Typical “day-of” twists a banker can help resolve include:
- Correcting discrepancies in account statements or borrower information
- Coordinating directly with underwriters or appraisers to keep approvals moving
- Resolving compliance or KYC (Know Your Customer) issues arising at the last minute
- Fast-tracking urgent wire transfers or loan amendments when timing is critical.
When challenges arise, business owners value an advisor who’s responsive and ready to step in with the authority necessary to propel initiatives forward.
3. Build confidence with a collaborative foundation
There’s no substitute for experience. And when it’s complemented by deep product knowledge, it can open up a universe of new options. However, an often-overlooked benefit is the peace of mind that
comes from knowing that there’s a professional on your side who is personally invested in your trajectory.
For most executives, large financial moves are about more than dollars and cents. They also entail putting their personal reputation and assets—not to mention the livelihoods of their employees and families—on the line. And nearly every situation is unique, meaning there’s rarely a playbook to address the full scope of specialized nuances.
That’s where a banking advisor can bring both knowledge and perspective to involved scenarios. They often offer clarity to clients as they weigh risk and timing in identifying possibilities most aligned with the business’s mission and goals.
Of course, this trust doesn’t appear overnight, which is why forward-thinking SMB owners prioritize forming a strong banking partnership from the start. They know that these ties only develop through consistent, transparent communication with an advisor who has been part of their journey over time, positioning them to provide personalized recommendations.
Why the Human Element Still Matters
While modern tools are essential for efficient day-to-day banking, SMBs should rely solely on digital banking tools when making mission-critical financial decisions.
The right banking partner delivers true impact throughout substantial deals, offering insight into the right solutions, accompanied by the problem-solving acumen that technology alone can’t replicate, with the added bonus of the steady partner who’s on your side.
BankUnited professionals recognize the importance of personal relationships and proven expertise, and they pride themselves on the ability to guide long-standing clients through high-value transactions. Whether it’s a commercial real estate loan that allows them to open a new location or an operating line of credit that paves the way for expanding their product line, they are committed to delivering exceptional service. “My goal is not just about having a professional relationship but also developing a friendship,” says Miami Lakes-based BankUnited banker Alex Fouquet. “When I truly know my clients, I can offer them the right solutions and support that helps their businesses thrive.”
Would your SMB benefit from the combination of digital convenience and white-glove, client-focused service? Contact BankUnited today to learn how their team can help you excel in both your day-to-day operations and milestone business moves.
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All content is for informational purposes only and does not constitute legal, tax, or accounting advice. You should consult your legal and tax or accounting advisors before making any financial decisions. Outcomes may vary based on individual circumstances, financial condition, and market factors. Client stories or testimonials are not a guarantee, promise, or indication of future results.