Sunbelt Business Brokers of South Florida's professional sales agents have been representing buyers and sellers of small and mid-sized businesses for nearly 20 years. SUNBELT is currently the largest network of business brokerage offices in the world dealing exclusively in the sale of businesses. We offer the most exposure for seller's business for sale while maintaining the confidentiality they demand.
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 firstname.lastname@example.org 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.
Property Management specializes in single family home and townhome homeowners associations, condominium associations and commercial property management. 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
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.
Pinellas County, FL
This Tampa Bay mortgage broker is located in an area with many upscale homes and has been making residential loans for over a decade. It offers a full range of products for purchases and refinancing, including fixed and ARM conventional, FHA, VA, HARP, and jumbos. Marketing methods include networking with title companies and Realtors and direct mail to homeowners. The firm enjoys strong relationships with more than a dozen wholesale lenders. Experienced employees are expected to stay.
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.
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. 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.
August 31, 2015 Operating Profit: $291,091 Summary Description: For sale is a financial technology firm in a niche business segment with a solid existing client base. This company has made the investment in developing its digital infrastructure for rapid growth. It is in a favorable position to build on its proprietary IT platform to greatly increase revenue. The company’s CEO is not required to run the day to day operations. Adequate management is in place to minimize the owner’s involvement. The CEO oversees this business interest from a remote location. Therefore, the owner’s location is not a factor to maintaining the inflow of business.
ValleyBiggs, in conjunction with its Affiliate, WebsiteClosers.com, represents a unique and valuable opportunity in the online trading segment with enormous margins. The company provides a contemporary digital trade and investment technology experience within the Financial Sector. The company was founded on the belief that access to financial information in the 21st century should not be limited to professional investment bankers on Wall Street. Digital information should be consumer friendly, whether they are corporate or amateur investors. As a result, rather than monetize trade transactions themselves, the company's family of high-value domains form an all-encompassing net through which 75,000 viewers per month of day trading and penny stock traffic is funneled and served via exclusive advertising campaigns by utilizing a platform that is in the hands of 1.75 billion people worldwide. With no overhead or employee labor to support, the business is a fluid and dynamic machine with an active email subscriber list in excess of 100,000 users, and over 90% repeat customer traffic on record. With over 17 organically ranked stock/trading related domain names (which have been featured on major cable network television, Google News and more) the family of websites has posted notable annual growth year-over-year for over 3 years, offering 1 to 2 day marketing campaigns to their well-cultivated list of clients. With clients such as these, the business model sustains an average campaign value in excess of $12,000 and realizes nearly 80% gross margins annually, offering monetization by way of a highly automated and successful ad campaign system. This features monetized referrals, splits on lead conversion, and upsells from lead purchasers in the segment - some of whom synergistically provide internal lead generation alongside the recurring revenue from lead splits. Featuring close to $1 Million in annual cash flow and a finely tuned & automated system of campaign management and lead generation, this company is sure to be a home-run opportunity in the hands of any savvy entrepreneur. Business Listed by: WebsiteClosers.com & ValleyBiggs Technology & Internet Business Brokers
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 email@example.com or call Roger Gingerich at 954-977-9788.
Agency owned since 2005 and operates as Florida “LLC”. Book of Business consists of 85% Personal Lines, 10% Commercial Lines, 5% Financial Services, 90% direct bill. Average 1,000 account with 1,363 policies AUTO CARRIERS: Assurance, Bristol West, Foremost, Gainsco, Infinity, Personable, Progressive, Viking/Dairyland, Windhaven, HOMEOWNER CARRIERS: Chubb (Halcyon), Cypress, NRS, NIU, Safeway, St Johns, Universal, COMMERCIAL: All Risk, Appalachian, Bass Underwriters, Federated/American Vehicle. NIUW, Atlantic Specialty, Halcyon, Hull, SLB, Tapco.
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.
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
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
Currently netting $15 to $17 thousand U.S. dollars a week. Make this kind of money and live the dream in a small-town beach paradise. No traffic jams, low crime, down to earth real estate prices. Numbers can be easily verified by your accountant ... check cashing is a highly regulated industry. NDA is required.
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.
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.
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. I will be available for the transition and the set up of the whole program.
Palm Beach County, FL
Recently remodeled and well equipped pawn shop/jewelry store with a dedicated jewelry store and repair operations, as well as a complete pawn shop which buys and sells gold, watches, jewelry, tools, electronics, and more. Located on a very main road with outstanding visibility and signage in Palm Beach County. This store has been operating as a pawnshop for 20 years in the same location. Current owner recently spent over $150K to completely renovate and improve the exterior and interior. Asking price of $349K includes twenty years of customer goodwill, invaluable pawn license which is all but impossible to obtain, a trained staff, outstanding long term lease of $3200/month (with an option to buy the building), $35K on the street, and approximately $100K of inventory at cost. Current owner is burned out and wants to move back home. New ownership can greatly increase sales and profits by putting more money on the street (current owner chooses not to), and a more aggressive advertising campaign. Please contact Martin Berliant at 561-827-1181 or email for more information
Palm Beach County, FL
36 Years Established Pawn Shop in same location. Impossible to obtain a new pawn license within city limits, this store is one of two pawn shops in its city limits. Owners in bad health and are retiring. Store is 2,000 sq ft ($3,000/month lease), has ample parking, security, and located on main road with excellent visibility. Currently has about $70K on the street. Store separately does about $20K/month in sales including a strong ebay presence. All licenses, customer goodwill, and approximately $80K of saleable inventory at cost included in asking price of $259K. Known as a friendly and fair neighborhood pawn shop. Specializes in electronics, jewelry, TVs, tools, and musical instruments. Annual owner benefit of $103,576 reported on tax return. Please contact Martin Berliant at 561-827-1181 or email for more information. Non-disclosure form is required.
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.
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.
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 is required.
Port Charlotte, FL
Full service title & escrow company providing services including title examination, document preparation, escrow services, financing and loan coordination for residential and commercial closings. They coordinate the closing of sales and mortgage activities for both buyers & sellers. Firm has an excellent reputation and working relationship with realtors, lenders, attorneys, builders, surveyors & many others for smooth & efficient transactions. MOTIVATED SELLER. SBA lender Prequalified.
Founded in 1986, this highly regarded company offers an unparalleled opportunity for growth in a niche segment of the debt collection industry with very limited competition. The company has earned an enviable reputation for high collection percentages combined with excellent customer loyalty and relationships. Included is a large data base of industry contacts. The real estate valued at $150,000 is available for lease or purchase. This is an excellent opportunity for an entrepreneur or a strategic acquisition Buyer.
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.
Established business brokerage in the Tampa Bay market. Opened in 2012. This business brokerage is a franchisee of the oldest and most recognized names in the business. All listings can be included in the sale (currently over $2,000,000 worth). Get an established business close to what you would pay for the initial franchise fee.
Fort Lauderdale, FL
Up for sale 4 years old Pawn shop in heart of Fort Lauderdale. Well set up and operated by 2 employees. Just step in and make money in a first day. Cash flow with working owner around $20,000.00 a month.
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.
Coral Springs, FL
Check Cashing Store. Rent is covered by sub-letting to Cell phone business and three other rooms. One man operation. Perfect for a person who is in the check cashing business.
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
HIGH END PAWN BUSINESS. This is NOT your ordinary pawn shop. Based in its own unique property, and established for over 15 years this business boast some of the most unique and rare items you will not even find at your local museum! Dealing only in upscale jewelry, and precious antiques with their own history, each item tells a unique story of its origin. Included in this sale comes a building with a security system that rivals any bank. THIS BUSINESS IS TRULY A RARE FIND!! Please refer to listing # 335343923 and ask for agent JAMES LASCANO. Thank you!
Saint Lucie County, FL
This national insurance agency has it all. $1.9 mil book of business that results in about $200k in commissions. High retention rate of 87%. 5 + year agency. Premiums include both agency product sales and expanded markets premiums. Fully turn key. Business is located in an A+ location surrounded by residential homes and businesses. Low overhead means more $ in your pocket. All equipment is included in the sale as well as producing agents. Offered at 2 1/4 x annual commissions. Low risk, plenty of growth opportunity. Please refer to listing number 7301-43987 and broker David Ballou when inquiring.
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 firstname.lastname@example.org for the NDA and we can send you the file.
Manatee County, FL
Established and successful CPA practice for sale in Sarasota County. Seller is ready for semi-retirement and willing to assist buyer on a part-time basis. 66% tax services, 20% attest services and 14% small business accounting services. The firm has an excellent reputation in the community and a loyal clientele. Experienced staff is in place. Lease terms are negotiable. ACT NOW OR LOSE THIS RARE OPPORTUNITY!
Broward County, FL
Check Cashing Store - Asset Sale! Phenomenal location in Fort Lauderdale, Broward County, FL. Asset Sale - owner asking $79k down for $350,000 dollars in build out, including state of the art security systems, design, and check cashing software. Great lease, great parking. Owner must exit due to other job. Contact agent today!! Please refer to listing number 010143902, broker Nate Ernest- Jones when inquiring about this listing.
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.
Fort Pierce, FL
As an Exclusive Agent, you will have the opportunity to sell a wide range of insurance and financial products, such as auto, property, and financial services. We have agency ownership opportunities for successful, self-motivated entrepreneurs who have: The skills to run their own business The capital to invest in their own agency business The ability to hire and manage their own staff The drive to meet business objectives All while delivering superior customer experience. Don't have an insurance background? That's fine with us. We provide you with insurance education. If this sounds like you, here are three compelling reasons to consider owning your own agency: An Exceptional Entrepreneurial Opportunity to run your own business and watch its value grow with every sale with no franchise fees. An Industry Powerhouse that is a financially sound business leader with one of the most recognized consumer brands in America. A Product Portfolio to help meet consumer needs of virtually every household, in good economic times and bad. Contact Jeff for details: 727-573-6910
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.
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. Listing - 13463503
Well-positioned, profitable revenue cycle management company is under exclusive listing for sale by Abstract Business Advisors. Speciaties: Anesthesia Cardiology 18.5% of revenue Credentialing Endocrine Eye Gastroenterology GI Surgeons Infectious Disease Internal medicine 20.5% of revenue IT Support Neurology Nurses only outpatient OB/ GYN Podiatry psychology Pulmonary Radiology Surgery Center Credentialing Transcription revenue Workers Comp billing Revenue of US RCM company only: 2011 - $1.04M 2012 - $1.99M 2013 - $1.61M 2014 - $1.61M 2015 - $1.81M projected 2015 Adjusted EBITDA projection - $615,089 Owner will stay with new owners in the US RCM company for a transition period to ensure client retention, training of new owner management, and maintain good cash flow, or will consider retaining some equity and stay with the new owners to continue to grow the business together in a partnership. Owner will sell the US RCM company by itself; or sell both the US RCM company AND the INDIA BPO company.
Broward County, FL
If you are interested in expanding your insurance business, we have a quality book available for acquisition. This is an ideal book that can be rolled into your office and yield instant profitability and return on investment. $164,000 in recurring revenue. 300+ clients. Instantly become a Premiere agent and earn bonus commissions.
Pawn Shop that is established and well stocked with floor inventory and Pawns. Great Location with main road exposure. Gold Buyer. Jewelry inventory is not included in sale price. Great place for new owner to add Guns. Numbers reflect owner operator. This is a cash business that is on the increase. Pawn Master Software. Walk in and make money.
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 $999K includes approximately $1M 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 would be willing to take Note for $400K but buyer would need to put up stationary collateral such as property. 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.
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 one year through the transition. Seller will also consider selling the place of businesses offices for $390,000 or lease the facility at market rent. Great opportunity for anyone who has been in the title business, attorneys, underwriters, real estate agents or bankers to make high profits. This is a Lender Pre-qualified business with or without the real estate.
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.
Pasco County, FL
Established absentee run tax preparation franchise. Currently a seasonal business but the franchisor allows you to sell insurance, or other related accounting services from within your office to turn it into a year round business and maximize your profits. You don’t have to be an accountant to own this business. Accounts can have their current clients grandfathered in. Numbers reflect owner operator. Franchise transfer fee is included with the price. Franchise has been lender-qualified.
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.
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.
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