Harbor · a HELIX studio company
Ten basis points in checking versus an overnight sweep.
Name a cash balance and a payroll calendar. Sweep, hold, or factor — in bps, not slogans. $59.
A memo, not advice. Harbor does not take deposits or transmit money.
Sweep
Overnight into insured deposits, recalled for payroll. A utility, not a brokerage.
Ladder
Duration in plain language — overnight, weeks, or hold — matched to the calendar.
Hold
The legal and ops hold: MTL maps, advice versus utility, bank concentration.
The float memo
One credit. One named shop. A written sweep, ladder, and hold.
One memo is $59. Pay, then name the shop.
Pay $59