Good cash management for your business means two things

Business expansion requires capital investments, which are basically medium to long-term investments financed by one or a combination of the following:

  • Careful assessment of the cash level required to meet your business commitments.
  • Ensuring that idle funds are invested to optimize the returns on your cash.

While this cash is not necessary for daily operational needs, it need not lie idle as a cash stockpile. Prudent management of your excess cash can have a significant impact on the ability to fund your business expansions and improve your business profitability.

Optimizing the management of your excess cash

Making the smartest decision to manage your excess cash is as important a business decision as any. You may consider the following steps before you make that decision:

Step 1: decide on how much to invest
Step 2: understand where to invest

As an entrepreneur, your greatest opportunities may lie in investing in your own business. Accordingly, you may want to invest your excess capital in liquid, comparatively low-risk investments. This investment portfolio will enable you to tap into this capital when the business climate demands it.

Maximizing returns on your excess cash

We are your business partner. We provide you access to investment expertise to secure higher yielding solutions based on your business' needs and risk profile. We also offer preferential pricing on higher investment volumes.


Main Benefits
  • Competitive/attractive interest rates
  • Varying maturity term periods to suit customer needs
  • Interest computation on daily balances
  • Margin Accounts can be used as security for loans and overdrafts
  • Foreign Exchange Services

    Solutions to hedge your forex risk.

  • Term Loans

    Term Loans are a structured form of borrowing intended to finance specific transactions or assets.

  • Business Current Accounts

    A premium current account – Business Current Account available in currencies including USD, GBP, EUR and ZAR.

  • Business Overdraft

    Overdrafts are a flexible form of borrowing for short-term rather than long-term financing.

Useful Information

Global Business Banking

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