Working Capital

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

A wealthy business with strong revenues and high profits may or may not be a healthy one with sufficient cash flow 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 your business always has adequate cash flow to meet all its short-term expenses and obligations. Your working capital is determined by three main factors:

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

We recognize 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 cash flow to maximize its working capital efficiency. Our Payments, Collections and Trade Finance solutions provide certainty, control and convenience in managing your cash flow so you can focus on what really matters - growing your business.

Working Capital Solutions:

Straight2Bank – Online Global Platform

Straight2Bank is Standard Chartered Bank's integrated working capital platform to serve all your transactional, information and hedging needs.

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Business Overdrafts

We offer customized overdraft facilities to meet your working capital and short term funding needs.

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Business Current Accounts

Our transaction account, designed specifically for businesses, offers complete solutions for your day-to-day banking needs.

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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. We provide Bill Discounting, Letters of Credit and Purchase Order Finance.

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China Africa Network

We know you have ambitious plans and we want to help you achieve them. The banks innovative and unique China-Africa Network Proposition creates opportunities to maintain international accounts in China or elsewhere, all from the comfort of Ghana.

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Foreign Currency Account

FCA is an account in US Dollar, Pound Sterling or Euro where funding of the account is mobilized exclusively from sources outside the country.

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Foreign Exchange Account

FCA is an account in US Dollar, Pound Sterling or Euro where funding of the account is mobilized exclusively from sources outside the country.

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International Trade Account

Our ITA, you can make your cross border transactions easier and more economical with preferential FX and remittance rates with the International Trade Account.

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Call Us

Call our hotline for further information.

+233 302 740 100
0800 740 100
(toll free)

Get in touch

Alternatively, please complete our contact form and we will be in touch as soon as possible.

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Email Us

Please send us a message and we will be in touch as soon as possible.

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Locate Us

Visit the branch that is nearest to you.

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


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