Adequate cash flow to meet your short-term expenses and obligations.
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Business 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 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 an adequate cash flow to meet your short-term expenses and obligations. Your working capital is determined by three main factors:

  1. Collections
  2. Payments
  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.

Business Working Capital Solutions

Business-friendly trade facilities

Access Overdraft, Short Term Loan, Letter of Credit, Invoice Financing, Bank Guarantee among others

Higher financing amounts

Achieve more with Working Capital finance of up to KES 200 million

Competitive interest rates

Low rates prorated to the financing tenor

Flexible loan tenor

Financing period to match your working capital requirements

Prompt approvals

Enjoy a fast turnaround time of just 10 working days

Foreign exchange services

A wide range of currency options for all your exchange needs

Unlock up to 100% of your property value

Cash Management

Take care of all your collections, liquidity and payments requirements with Cash Management – a combination of physical, paper-based and electronic collections services via various channels and arrangements.

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Useful Information

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