Working Capital

The well-being of your business depends not just on its wealth, but on its health as well.

A wealthy business with strong revenues and high profits may or may not be a healthy one with sufficient cashflow to meet its future working capital needs, such as financing the purchase of raw materials and meeting overheads.

Understanding your business working capital cycle

By managing your working capital efficiently, you will ensure an adequate cashflow to meet your short-term expenses and obligations. Your working capital is determined by three main factors:

  1. Collections
  2. Credit Terms
  3. Inventory Management
Facilitating your cashflow efficiently

We recognise that collections and payments are more than financial transactions. They are fundamental to your business and its financial health.

We have market-leading solutions to facilitate smooth cashflow to maximize its working capital efficiency. Our payments, collections and trade finance solutions provide certainty, control and convenience in managing your cashflow so you can focus on what really matters – growing your business.

Working Capital Solutions

Business Overdraft

Finance your day-to-day cash flow requirements of your normal business activity with our overdraft facility. This is a revolving borrowing facility repayable on demand, made available in connection with a current account.

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Business Current Account

A business account gives SME customers access to their funds for transaction banking and cash management services with the benefit of the security of your funds and the options of trade, remittance, foreign exchange, investment and lending services.

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Trade and Working Capital Solutions

These are offered to meet funding needs for working capital and seasonal growth in receivables and client orders. Our total trade solutions will assist you through the complexity of international trade by leveraging our extensive international network.

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