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Florida Finance, Banking & Loan Businesses For Sale

41 Florida Finance, Banking & Loan Businesses For Sale Found.

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$450,000 Cash Flow: $53,232
Relocatable P & C Insurance Agency in South Broward Relocatable P & C Insurance Agency in South Broward

Broward County, FL

Reason for Sale: Health- Relocatable P & C Insurance agency in South Broward. $234k in commissions for 2015 & growing. 75% commercial lines/balance auto & home. Direct appointments with 25+ carriers & 25+ thru wholesalers. 1 experienced manager with 10+ years in industry (bilingual). Extremely high retention & renewals (low loss ratio). Perfect Books & Records. Priced aggressively to sell now!

$99,000 Seller Financing
Established Tax Prep Office Tremendous Growth Opportunity

Pompano Beach, FL

Over 140 million Americans file taxes each year, and 3 in 5 will use a paid tax preparer. It's a great time to get into the tax preparation business. You can rely on a large and growing customer base for professional tax preparation due to factors such as the Affordable Care Act and immigration reform. Now is the right time to get in with the fastest growing tax franchise in history and open your doors to financial independence. This well-established office is in a heavily Hispanic area with a solid customer base of middle income taxpayers. For more information; email ad.gingerich@libtax.com or call Roger Gingerich at 954-977-9788.

$132,500 Cash Flow: $83,225
Tax Preparation & Accounting Office For Sale Orlando Tax Preparation & Accounting Office For Sale in Orlando

Orlando, FL

Tax preparation & accounting agency for sale in Orlando, Florida. Business handles tax preparation for over 80 clients on an annual basis. The majority of the customers are long-term clients that have been with the company for years. Business has a 27-year reputation and continues to to grow. Great opportunity for an accountant looking either to start up an office or looking to expand their existing tax preparation and accounting business. For more information on this business for sale please call 407-375-9655.

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$8,500,000 Cash Flow: $1,800,000
Subprime auto financier company for sale in West Palm Beach Great return on invested capital!

Palm Beach County, FL

Established more than three decades, this subprime auto financier provides alternative financing to automotive dealers who have car buyers with bad or no credit because of job loss; unpaid bills; an accident; unexpected medical expenses; divorce or bankruptcy. Business serves dealerships and its car buyers in South and Mid-Florida. Service-oriented mentality keeps customers (dealerships) loyal and relationships in place. The recipe is here for continued success and expansion! 2015 financials expected as $2.3m income with approximately $400k in expenses on approximately $7.8m in principal balances due (using approximately $4.5m in owner's capital as funding source). This subprime auto financing business for sale is presented by Sunbelt Business Brokers of South Florida, a division of SUNBELT, the largest organization of business brokers and M&A professionals in the world. With a local presence and global marketing reach, Sunbelt Business Brokers of South Florida has provided main-street and lower middle market business owners and buyers with unsurpassed deal expertise for nearly 20 years. For more information on this business for sale contact Ryan Cave at rcave@sunbeltnetwork.com or 561-832-9222.

$1,300,000 Cash Flow: $618,723 Seller Financing
Turn-Key Brokerage & Insurance Co. with a Niche Market Turn-Key Brokerage & Insurance Co. with a Niche Market

Boca Raton, FL

Turn-key boutique, brokerage and insurance company. Specializing in the senior market protecting and preserving clients assets, along with creating income flow to provide security for their lifestyle. The Company's ability to achieve this model is based on the unique proprietary marketing system. The system enables the company to be in front of thousands of potentials clients each and every month. partnership possible with the right Buyer. Very clean books and Records. Financial information above from 2015 Tax Returns. Listing - 13463503

$125,000
Tampa Area Insurance Agency Book of Business Nice Business

Hillsborough County, FL

288 Homeowners Policies 63 Flood Policies Located in the Tampa Area this agency has written these policies from real estate company referrals. There has been no cross selling and as a resul6t there will be significant opportunities to double or triple the business in a short period of time. For further information contact Doug McLaud at Florida Business Group. (352)238-8003 or FloridaBiz@tampabay.rr.com or Fax (888)846-8335.

$2,950,000 Cash Flow: $740,382
High Volume Check Cashing Business with Strong Profits For Sale High Volume Check Cashing Business with Strong Profits For ..

Miami-Dade County, FL

Reason For Sale: Exiting Industry- High Volume Check Cashing business with Strong profits. Check Cashing business with 2 locations in Miami with over $72 million in checks cashed at an average fee of 2.2 % in 2014. 2015 #'s thru May 13 - $28,734,536 in checks cashed with $632k in gross profit. Seller cashes Corporate, insurance, payroll + onsite check cashing. Western Union approved dealer. All buyers must be experienced in the industry and have proof of liquid funds to make this acquisition. Seller will allow an onsite observation once under a signed LOI. Working capital requirements $1 million.

$475,000 Cash Flow: $69,087
Independent Agency's Business Book of Commissions For Sale Independent Agency's Business Book of Commissions

Miami-Dade County, FL

Reason For Sale: Career Change- Independent Insurance Agency For Sale specializing in all types of business insurance. 2014 Commissions equal $224k. 15 + appointments covering Commercial property, General liability, Professional Liability E & O /D & O, Workers compensation, Garage liability, Excess Liability, Business Auto/Commercial transportation. No Bond Commissions will come with the sale ($25k/yr.) Relocatable as seller is on a month to month lease. Clean books & records. All buyers must financially qualify before meeting with the seller. Lender pre-qualified.

$197,000 Cash Flow: $87,858
Title Agency for sale in Central Florida Title Agency For Sale in Central Florida

Deland, FL

Leading Central Florida Title Agency for sale in Central Florida. This Title Agency is associated with a well-known Real Estate company and has been successfully operating for over 9 years. This Title Agency boasts mobile notary services and expedited closings in every Florida County. The business is housed in a beautiful and functional facility of approximately 1700 sf in a business district area and is less than 2 miles from the County Courthouse. The business has long term, loyal clients, and is staffed by a well-trained seasoned staff. The owner is retiring and will ensure a smooth transition and will consider staying on in a limited capacity after closing as a consultant if needed. For more information please call Archie at 407-808-4287.

$51,350 Cash Flow: $36,145 Seller Financing
Immediate Profit

New Port Richey, FL

Negotiate business debt with creditors. Profitable since inception 8 years ago. Excellent potential growth. Please refer to listing #335355321 and ask for Darrell Leamy when inquiring. Thank You!

$475,000 Cash Flow: $180,319
Well Respected Title Insurace Co. For Sale - 35+ Yrs -High Growth Area

FL

This Title Company serves as agents for two of the largest title insurance companies in the country. The Company's consultants are advocates in all matters regarding real estate, titles, FHA loans, closings, and escrows. In 2015, the Company completed over (400) closings, with no marketing expense. The Company's three-year average annualized revenue growth is 8%, while the Seller's cash flow average increase over the same three-year period is approximately 20.5%. ALTA, the America Land Title Association, reported that in 2015 Florida ranked # 3 nationally in title insurance market share, up 16.7% from 2014, with total revenues of over $ 1.3B. In the state of Florida alone, in 2015, The Fidelity & Old Republic Family of Companies accounted for 59% of this market share with revenues generating in excess of $ 784MM.

$145,000 Cash Flow: $85,567
Florida CPA Practice

FL

CPA firm with excellent reputation! Profitable 25 year old practice with established Accounting and Tax services. Excellent mix of business, personal and government clients. Providing accounting, bookkeeping, payroll and tax services (50% of revenue from tax). No audit service performed. The seller owns the building and is willing to lease or sell office space. Seller is flexible with providing you transitional assistance to ensure a successful transition and willing stay on at some level for a year or two if you'd like. Exceptional opportunity for a CPA who loves small towns and an outdoor lifestyle with wonderful fishing, as the community is directly on the Gulf of Mexico. This could also be a good merger for another CPA firm to expand. The building consists of two units! One could be rented out to pay mortgage and the other used for the CPA practice. Practice is located between Tampa and Tallahassee, Florida in small town.

$99,000 Cash Flow: $25,000
Tax Franchise Business and Territory

Palm Beach County, FL

Tax franchise protected territory and book of business. Could take existing location or move operations if desired. All office equipment included. CPA not required to run the business as seasonal preparers on staff for the last 12 years. Buyer to pay transfer fee of $5K. This territory includes an additional Spanish version of the franchise. Please refer to Listing #640154897 and advisor Erin Bean when inquiring.

$775,000 Cash Flow: $480,000 Seller Financing
Check Cashing-Smoke Shop-Convenience

Indian River County, FL

Make 40 thousand dollars plus a month. Gross income numbers are nice but not very informative ... it's all about what you keep. C-Store nets $100K ... Check cashing nets $380K. More volume than most dedicated "check cash" locations. Not many moving parts in this relatively easy business, very few (if any) employees needed.... slip in and take over. Dollar for dollar, there is no better deal.

$85,000
Very Well Established Insurance Agency

Fort Myers, FL

Very well established independent annuity insurance agency. Owner has 36 years in the business and is retiring. Agency has done $153,000,000.00, ( that's millions ) in annuity sales just in the past ten years. Owner income average the past eleven years is $506,000.00. ONLY life & health license needed. This is a very profitable opportunity for an experienced agent. Salesmanship, presentation, speaking ability and time management are a necessity. The program i have used for over twenty years and all the business details is what is available to you at your location. I will travel to you and design in detail the whole program that is a proven success. My marketing strategy is not some FMO made up sales pitch, it is in fact what was used to produce the numbers mentioned. If you are not earning $300,000 to $500,000 annually here is an opportunity to invest in yourself. Build your agency without the trial and error that takes years to filter through. Again, i am NOT an FMO.

$50,000
Check Cashing Franchise - great location

Tampa, FL

Have the look and feel of a neighborhood bank branch while servicing the "unbanked" or "under banked" customer. Services include check cashing, money orders, wire transfers, electronic bill payment, tax prep services and a low to middle income mortgage service. The only inventory is cash and can be run by 1 or 2 people. in addition to the selling price, new owner will need about $100,000 in cash inventory - these are not invested funds, but funds used to cash checks - it should be considered revolving working capital. This location offers owner friendly hours 9 to 7 Monday thru Saturday.

$3,750,000 Cash Flow: $1,111,278
Industry Leader in Supply Chain Financing

Broward County, FL

Company works with small to mid-market manufacturers and wholesalers ($1mm upwards) in providing supply chain financing, a new financing program designed for the acquisition of inventory. This allows the barrower to offer terms to their clients and possibly obtain discounts from their suppliers. Unlike factoring or a bank loan, there are no advances on A/R, nor is a UCC-1 filed on the assets. SCF is facilitated as an account payable and not a loan. Senior credit manager and staff in place. Please refer to Listing #640153308 and advisor Max Crescenzi when inquiring.

$140,000 Cash Flow: $48,910
Six yr Old P&C and Business Insurance Book of Business

Orange County, FL

Six year old Property, casualty, and business insurance book of business for sale. Seller looking to move on. Good Ad On opportunity. Please refer to listing #230153151 and ask for Mike Shea when inquiring. Thank You!

$25,000
ATM Starter Route Fort Lauderdale

Fort Lauderdale, FL

ATM Starter Route for sale in Fort Lauderdale, FL. Route is focused on cash only Locations. 10 Locations available, 7 barbershops, 3 convenience. Locations recently installed and production increasing. Seller is a contractor in North Palm Beach County and needs to focus ATM efforts further north. Locations have 3yr agreements with auto-renew on most. This is a fantastic way to get started in the ATM business or add to an existing route, with production starting day 1!

$110,000
South American Restaurant & Money Transfers – Oakland Park

Oakland Park, FL

Description South American Restaurant & Worldwide Money Transfer Business. Located in Oakland Park. The restaurant currently serves Brazilian Food, Buffet Style. The restaurant has a full kitchen with a hood and walk-in Fridge and Freezer. They serve lunch and dinner to their guests and also offer them Money Transfers back to their home Country. Beer and Wine License is on Premises. This is a perfect opportunity for someone to take this business to the next level. Multiple Income Opportunities. For more information contact Victoria Cosentino at restaurantsalesteam2@gmail.com or 786-537-6601. Special Features South American Restaurant & Worldwide Money Transfer Business Currently sells Brazilian Food Buffet Style. Restaurant Can easily convert to any concept. Approved Partner of Star Business and Travel for Money Transfers Multiple Income Opportunities Low Rent is $2200 Monthly 1500 Square Feet 40 Seats Inside Beer & Wine License on Premises Located in Oakland Park 0.5 Miles Away from Wilton Manners Fully Equipped Kitchen with Hood, Gas, Walk in Freezer and Fridge.

$274,000 Cash Flow: $72,535
Independent Property and Casualty Insurance Agency

Broward County, FL

Independent property and casualty insurance agency. Represents companies that write standard policies. Located in comfortable office building, but can be relocated. Carriers include some prestige names in the insurance industry. Agency needs a buyer who will be more aggressive in building business. Please refer to Listing #010151717 and advisor Howard Schulman when inquiring.

$150,000 Cash Flow: $1 Seller Financing
Pawn Shop 30 years Family FOR SALE Tampa FL

Tampa, FL

Pawn Shop with a solid reputation earned over thirty years is ready to retire and pass the torch to the new owner. The store is approximately 1900 sq ft, clean, well organized, and well stocked with good merchandise of all types. The owner says he has pawn out of 30k monthly. The sales price of $150,000 will include all new 30day purchased items and all inventory on display (75K) as well as the new owner will take control over all outstanding pawn loans and collateral. This is an easy business to own and the seller has two employees who are trained and have been with him for years. The seller does state that more could be done with the internet using ebay etc to increase the product turns when needed. Owner does not sell guns but this could be added for additional revenue in a popular segment of the industry. If this shop seems like a fit for you then please: contact mikekane@fcbb.com for the NDA and we can send you the file.

$80,000 Cash Flow: $38,923
West Florida Tax Lien Certificates Services Company

Hillsborough County, FL

Company offered for sale buys a large quantity of Tax Lien Certificates (TLC) in bulk and offers the certificates for sale over the United States via a web site to individual buyers with a customer list over 1,000. TLC's are safe, low cost, regulated by the state, earning an APY interest of 5% to 18%, average is 10%. TLC's are senior liens, may lead to Tax Deeds which can be very profitable by taking ownership of the property below market. Easy to work from home as most work is done via the internet.

$649,000 Seller Financing
Convenience Store With Check Cashing Nets $335,000 In Boca Raton

Boca Raton, FL

CONVENIENCE STORE WITH SALES OVER $900,000 YEARLY AND A LGE CHECK CASHING BUSINESS THAT CASHES $14 MIL A YEAR AT 2% . FULL STAFF IN PLACE AND WILL STAY WITH BUYER. SELLER ONLY WANTS TO SELL TO A BUYER WHO HAS A CHECK CASHING LICENSE AND BANK TO CASH CHECKS. BUYER MUST HAVE PROOF OF FUNDS. BUYER NEEDS $350,000 FOR THE CHECK CASHING BUSINESS. STORE NETS $335,000 AND IS RUN 100% ABSENTEE. BUYER CAN HAVE 30 DAYS IN STORE DUE DILIGENCE. LOCATED IN A LARGE SHOP PLAZA IN BOCA RATON. PRICED AT $649,000 WITH $400,000 DOWN. PRICE INCLUDES $50,000 OF INVENTORY. ALSO HAS WESTERN UNION AND LOTTO & BILL PAY. WILL SELL THE CHECK CASHING PART OF THE BUSINESS FOR $380,000.

$200,000 Cash Flow: $56,198 Seller Financing
Thriving Tallahassee Check Cashing Business For Sale

Tallahassee, FL

Thriving Tallahassee Check Cashing Business For Sale. Excellent location and a consistent repeat business make this an great opportunity for someone looking to own a check cashing business without franchise fees. Due to the length of time in business, as well as the consistent service the numbers have been increasing and still have room to grow. Also selling tobacco, lottery and money orders to increase revenue. Contact Patrick Lange, Business Broker for more information on this Tallahassee Business For Sale

$399,000 Cash Flow: $132,225 Seller Financing
Title Company - Simple Hours, Great Income - E2 Visa

Fort Myers, FL

**Revenue is only part year** Great economy in FL = lots of home transactions. Bad economy in FL = lots of home transactions. What better business to be in than one that's needed & virtually recession proof? Take advantage of this seasoned award winning business w/excellent reputation, a wide range of referral sources from single Realtors to full offices, affiliated businesses, builders & more. FL is set to double in the next decade so business is not slowing down. Great support staff & hours so enjoy the beaches. E2 Visa

$130,000 Cash Flow: $44,597
Franchise Tax Service in South Palm Beach For Sale

Palm Beach County, FL

Reason for Sale: Focusing on Lake Worth location- Franchise Tax Service in South Palm Beach. BUY NOW FOR BUSY SEASON! This Tax Service is one the nations largest tax services. If you are looking for a business that requires only 4 months of hard work then here is the right opportunity for you. Over 300 tax returns processed from Jan-May. Low overhead. Visa qualified with 2- W2 employees. Franchise training in Virginia. Purchase price includes Siempre tax franchise. Location has strong visibility on a major East/West artery.

$300,000 Cash Flow: $111,996
Tax Preparation Franchise For Sale

Broward County, FL

Tax preparation franchise established for 12+ years. This franchise has over 4,000 franchisees in the US. Profitable operation, the owner dedicates only 2 days a week to this business. The business is located in a high traffic avenue with a lot of exposure. A more dedicated owner can increase the profitability of the business. Easy to run operation, great books and records. Numbers adapted to reflect an owner operator.

$399,500 Cash Flow: $110,889
Property Management - #88390112

Tampa, FL

Property Management specializes in single family home and townhome homeowners associations, condominium associations and commercial property management. Bring you best offer. Customers say: ”staff are very organized and professional and have been a huge asset in helping.” They serve clients all over the Tampa Bay region. They manage marinas, mixed-use rentals, large and small scale residential amenity centers and programs and much more. Property Management strives to provide the highest standard of professionalism, knowledge and care to our homeowners. They focus on client services and delivering a standard of service that goes beyond typical management duties, achieving optimal results for every client. With this Property Management, customers receive a comprehensive reporting of all property activities, liabilities, and interests.

$175,000 Cash Flow: $57,747
Pawn Shop For Sale

Orange County, FL

Sited on one of the areas busiest thoroughfares this pawn shop generates tremendous revenue, mainly from gold and jewelry. Prospective buyers should understand that sale of the business includes both the current inventory and the current accounts receivable, totaling in excess of $100,000. Business is run using PawnMaster software which is included in the sale.

$99,900 Cash Flow: $44,024
10 Yrs Est Debt Collection Agency

Broward County, FL

Ten Years Established Debt Collection Agency with longstanding ties to local community-based clients. The company is a contractor to collect debts on behalf of small to medium sized companies such as medical offices, service-based businesses, private schools, property management firms, etc. Currently has about 200 active clients. Very few if any debt collection competitors service these kinds of small to medium sized community-based clients. Owner is moving out of state but will train buyer and ensure a smooth transition. Sale includes over $1M worth of receivables that clients have placed with the business to collect. A more ambitious buyer can hire additional agents and collect a significant percentage of this debt, and increase the business by accepting more clients and more debt. Company is also an accredited government contractor allowing it to bid for government collection work. Owner currently operates the business along with two part time independent contractors who also do some collection work. Perfect situation for a debt collector looking to acquire a profitable niche in the Broward County market, or for someone willing and energetic to learn the business. Asking price of $99,900 includes deluxe website, Comtech software, complete client list, and ten years of goodwill and reputation. Please contact Martin Berliant at 561-827-1181 or email for more information. Non-disclosure form required.

$410,000 Cash Flow: $91,246
Rare Independent P&C Insurance Agency

Saint Lucie County, FL

Long established, highly profitable independent P&C Insurance agency. Staffed with one 220 licensed agent and an administrator. Agency sells Auto, Home, Business and other lines of insurance. Carriers included all the major companies. Business has averaged about $200k in commissions over past 3-4 years. Good retention. Lease is month to month so new owner can negotiate new terms or easily relocate. Rare opportunity for a turnkey, Independent agency. Owner is retiring after 35 years in the business. Please refer to listing number 7301-45534 and advisor David Ballou when inquiring.

$10,000,000
Established Insurance Company - South Florida

West Palm Beach, FL

Established and known Insurance COMPANY catering to high end niche market in the U.S and abroad. Constant growth and profitability. Verifiable financials. Unique opportunity with excellent expansion potential. Only vetted qualified principals. Highly confidential. All information to be disclosed after Seller's approval.

Optometry Practice for Sale – Palm Beach County, FL

Delray Beach, FL

We have a practice for sale opportunity available in Florida. Practice has been established for 30 years and is located in the heart of a desirable community in Palm Beach County. Practice provides primary eye care services to the community, including medical. Grossing $300,000 a year with owner working 3.5 days a week. Lots of room for growth available. 100% Bank Financing on approved credit. For details please call Mo Majdi – a Licensed Florida Real Estate Broker, at 800-416-2055 Practice Transition Consultants TransitionConsultants.com

$785,000 Cash Flow: $146,368
Property & Casualty Insurance Agency for Sale

Miami, FL

Full line of property & casualty Insurance Agency for Sale. ( This is a franchise) Approximate 1100 policy holders. Established in 2009. Some financing available to qualify buyer. Must have a 220 license to run. Franchise approval and training required. Writes Auto Insurance, Home owners, Flood, Commercial , General Liability, workers comp and health, Owner will train and support new buyer for 4 weeks for a smooth transition. Perfect business for owner operator or business expansion. Call Today. Please refer to listing number 2201-43589, broker Pablo Langesfeld when inquiring about this listing.

$45,000
Check Cashing Store in Busy Location

Palm Beach County, FL

Perfect check cashing store for first-time owner. Kiosk is located inside a busy gas station -- no need to market since customers come to you! Business was closed several months ago and all the equipment was left in place. Come in, turn on the equipment, and you're in business! Landlord is the gas station owner and wants a tenant -- will give a favorable lease with reduced rent early in the term. It's yours for the taking! Please refer to listing number 0101-43443 and broker Howard Schulman when inquiring.

$799,000 Cash Flow: $263,466
Pawn and Firearms Shop

Palm Beach County, FL

One of a kind, recently renovated, state-of-the-art pawn and gun shop for sale. It is impossible to obtain a pawn license in Palm Beach County without incurring hundreds of thousands of dollars in legal fees and start-up costs. With a hard working owner, a pawn license is basically a license to print money! Asking price of $799K includes approximately $520K of inventory in store at cost. About 80% of all inventory sales are firearms. Shop located in free-standing building along very busy road in Palm Beach County. Owner owns building and will sell building along with business (including inventory) for a package deal of $1.4M. Seller is retiring and would stay to train new buyer if necessary to ensure smooth transition. Sales and earnings drastically underestimated due to cash nature of the business. Please contact Martin Berliant at 561-827-1181 or email for more information. Non-disclosure form is required.

$1,350,000 Cash Flow: $520,169
Very Successful Title Company

Palm Coast, FL

Very lucrative independent title business with long standing history in the community dedicated to serving their customers. Draws from a good diversity of Realtors, Mortgage Brokers, Attorneys and Banks doing real estate closings, construction loans, refinancing, title searches, short sales and 1031 exchanges for both residential and commercial real estate properties. Seller will consider staying on up to 6 months through the transition. The office facility must be sold with the business and is included in the purchase price at $250,000. Must be sold to someone who has experience in the business or another Title Company. Great books and records with high profits. Lender pre-qualified.

$250,000 Cash Flow: $39,735
Profitable ATM Route in Dade County For Sale

Miami-Dade County, FL

Reason for Sale: Relocating- Get a piece of the lucrative ATM industry. Profitable ATM route for Sale. Work 5 hours a week and make $39k+ a year. Semi absentee run business. 29 locations with 29 ATM's in established businesses. Clients include Motels/Restaurants/C-Store/Grocery Store/Bars. 29 locations in Dade county. No employees/Home based/low overhead/Easy to run. Minimum 50k to 100k working capital needed at start. Seller will disclose locations during Due Diligence. Unique opportunity for any age buyer. Sales of $49,735 commissions cover Aug 2014-July 2015.

$279,000 Cash Flow: $220,000
Check Cashing Store

Broward County, FL

Check cashing store with a great set up inside a C-Store. Services included check cashing (8 Million a year), bill pay, money orders, Western Union (1 million a year). Owner will train to insure a smooth transition. Low rent with long term lease. State of the art software & equipment. 100k working capital needed.

$399,000 Cash Flow: $146,843 Seller Financing
Mortgage Modification Instruction & Consultation in Florida

Palm Beach, FL

Highly profitable Mortgage Modification Software Instruction and Consultation business. Leads purchased via internet marketers. Leads, called by phone, define their loan needs. Are sold information/application package with instructional time guiding client to highly desirable loan modification rates. Completed package is returned & checked. Verbal, written assistance provided. Customers are billed by ACH network or credit card, at times payment made by check, cashier's check, money order or bank wire.