- SME Banking
- 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 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) 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: Business Current Account Trade Facilities Term Loans Overdraft International Trade Account Straight2Bank Cash Management
Business Current Account
At Standard Chartered Bank, we understand that your business needs more from you than just managing financial transactions.
Trade Facilities
Our total trade solution offered against primary security of stock and book debts assists you with the complexity of international trade by leveraging on our extensive international network.
Term Loans
We offer term loans for business expansion, acquisition of commercial property and purchase of fixed assets including loan against property. This loan is ideal for professionals, proprietors, partnership firms and private limited companies.
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. Overdrafts are a flexible form of borrowing for short-term rather than long-term financing for which other, more appropriate credit lines are available.