[CRESCENT] Cold Call Script – Updated May 15, 2025
PART 1 – INTRODUCTION & PERMISSION
"Hi, is this [NAME]?
This is [YOUR NAME] from Crescent. I’ll be upfront — this is a cold call, we haven’t spoken before (SMILE). If
you can give me 20 seconds, I’ll quickly share why I’m calling, and then you can decide if it’s worth
continuing. Fair enough?"
PARTS 2 & 3 – VALUE PROPOSITION & FINANCIAL IMPACT
"We’re a fintech company helping businesses save an average of $5,700 per employee annually. Crescent is
backed by executives from JP Morgan, Chase, Goldman Sachs, and other major financial institutions. We
offer FDIC-insured banking up to $125 million, high-interest checking, and no transaction or
maintenance fees."
PARTS 4 & 5 – CUSTOMIZATION & CALL TO ACTION
"I’d love to walk you through your potential savings, show you our interface live on a short call, and help you
set up an account — it takes less than 10 minutes. Would that work for you?
You can pick a time that works best using my Calendly link."
PART 6 – SINCERITY CLOSE
"I genuinely think you’ll find value in this — the savings really add up. (SMILE) I’ll follow up with our team to
see how it went. Have a great day!"
OBJECTION HANDLING
"Can you just email me instead?" "Let’s be honest — if I send you an email, it might just sit in your inbox.
Even with proof of savings, you’ll still wonder if it applies to your business. That’s why we do a quick 15-
minute call — to understand your needs and tailor a real solution. Zero obligation. You’ll leave with
actionable insights either way."
1
"We’re happy with our current bank." "Totally fair — and most of our clients keep their primary bank. But
at current rates, companies in your industry are earning $5,700 per employee per year with Crescent.
That’s money you might be leaving on the table by not allocating a portion of your capital to us."
"Sounds too good to be true." "Understandable. We partner with Grasshopper Bank (Member FDIC) and
distribute deposits across multiple FDIC-insured banks. This allows us to offer high rates (like 3.9% interest
checking) and extended FDIC insurance. We earn a small cut of the interest — most of it goes to you. Our
success is aligned with yours."
"We need immediate access to our cash." "You get full liquidity — with same-day access via wire or
ACH. [CLIENT EXAMPLE] keeps around $[BALANCE] with us and accesses their funds as needed, while still
earning $[AMOUNT] in monthly interest."
"Is it secure?" "Absolutely. We use bank-grade encryption and two-factor authentication. Plus, your
funds are spread across FDIC-insured accounts with up to $125M total coverage — far more than the
standard $250k."
"How does this compare to Treasury bills or money market funds?" "Unlike those, Crescent offers
liquidity without penalties and FDIC insurance. And based on current rates, we estimate your business
could earn about $[X,XXX] more per employee annually than your current setup."
ADDITIONAL NOTES FOR CALLERS:
1. Rate clarification on calls: If a prospect mentions the rate they saw on the website (e.g., 3.55%),
clarify that:
“We offer a 3.9% introductory rate for small businesses.”
2. How Crescent achieves $125M FDIC coverage:
“We partner with IntraFi, a network of banks that splits deposits into $250k
increments across multiple institutions. So if you have $1M, it’s split behind the scenes
across four accounts, all under the FDIC limit — but you still only interface with
Crescent.”
3. Important: Crescent serves business clients only, not individuals.