Efficient management of your working capital.

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 cash flow 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 Current Accounts

At Standard Chartered Bank, we understand that your business needs more from you than just managing financial transactions.

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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.

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Business Overdraft

Finance your day-to-day cash flow requirements of your normal business activity with our overdraft facility.

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Useful Information

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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.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.