Turn Idle Cash Into Passive Income - A Real Client Win
June 2, 2025
Client Overview
A long-established payroll services company managing 300+ clients came to ASA Consulting Inc. to review their banking setup.
What we found
We conducted a full review of their banking and cash management processes. With consistent monthly operations and an average cash balance of $4,000,000, the client was not earning any interest on these funds.
Challenge
In a high-interest rate environment, leaving idle cash in non-interest-bearing accounts can lead to significant opportunity costs. The client’s bank was not offering any interest on the company’s deposits, which meant they were forgoing potential passive income on a multi-million-dollar balance.
Solution
ASA Consulting Inc. performed a comprehensive cash flow and account transaction review, identifying that the client maintained a stable average balance of $4 million—ideal for negotiation leverage. We advised the client to approach their bank with the option of:
Negotiating an interest-bearing account arrangement, or
Exploring competitive offers from alternative financial institutions.
With our guidance and negotiation support, the client approached their bank and secured a new interest-bearing account.
Results
Annual Interest Earned = Approximately $100k
Projected 10-year return of $1MM+ (assuming consistent rate and balance)
No change to operations - just smarter banking
Retroactive interest payment now under negotiating with the bank
Why does it matter?
This new arrangement creates passive income, improves the bottom line, and brings their cash management in line with industry best practices.
What to know about what your business is missing?
Let ASA Consulting Inc. help you unlock hidden value in your banking, investment, and financing strategies.
This case exemplifies how proactive financial consulting can unlock hidden value within existing systems and relationships.
Contact ASA Consulting Inc. to learn how we can help your organization make smarter financial decisions and improve your bottom line.
Results may vary depending on individual financial circumstances, market conditions, and the policies of financial institutions. ASA Consulting Inc. does not provide legal or tax advice. Please consult your financial advisor, accountant, or legal counsel before making financial decisions.