Running a pressure washing business that's finally scaling (12 jobs/week → 40+ jobs/week in 6 months). Good problem to have, right?Wrong. My bank is destroying me. Commercial client pays me $2,500 on Monday. Money shows "pending" but won't actually clear until Friday or next Monday. Meanwhile, I need to pay my equipment supplier on Wednesday, pay my crew on Thursday, and restock chemicals by Friday. So I'm either - using my personal credit card (paying interest), asking suppliers to wait (looking unprofessional), turning down jobs because I can't afford supplies upfront. The worst part? When I tried to set up accounts with suppliers in different states, each bank wanted different paperwork, different fees, and 2-3 weeks to "process" everything. One supplier only takes wire transfers - $45 fee EACH TIME. I'm looking something new which supposedly handles multi-currency and faster settlements under one account, but I'm skeptical of anything that sounds "too good to be true." Last thing I need is my business funds locked up in some startup that goes belly-up. So, how are you guys managing cash flow when banks move like molasses? Are you just eating the credit card interest as a "cost of doing business"? Have you found banks that actually understand sweaty startups need FAST access to funds? What about paying contractors and suppliers across different states/countries? I've talked to other local service business owners (HVAC, landscaping, cleaning) and we're ALL dealing with this. One guy told me he keeps $20K sitting in his account just as a buffer because he can't rely on deposits clearing when he needs them. That's $20K that could be in equipment, marketing, or just… not sitting there earning nothing. Am I missing something obvious here? Is there a better way to structure business banking when you're in growth mode and need money to actually MOVE? Because right now I feel like I'm being punished for growing too fast. [*https://keaworld.com/*](https://keaworld.com/)