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- 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: SME Current Account SME Distributors' Duo Account Gateway Account Business Overdrafts Straight2Bank Borderless Banking RMB Trade & Working Capital Contract and Invoice Financing International Trade Account SME Business Debit Card
SME Current Account
At Standard Chartered, we are committed to providing you with complete solutions for your day to day business banking. That's why our Business Current Account is designed to provide you with convenience and simplicity for your business financial dealings.
SME Distributors' Duo Account
Specially designed for distributors and their agents or dealers to ease all cash management and transactional needs.
Gateway Account
With Gateway Account, Trade between Uganda and the UAE has never been easier. Open your very own account in the UAE and transact as you would at home.
Business Overdrafts
With the Business overdrafts you are guaranteed no disruptions to your business cycle. Cash is available as and when you need it.
Straight2Bank
Straight2Bank provides you with a fully integrated end-to-end electronic platform across our cash, trade, foreign exchange and securities services.
Borderless Banking
Enjoy the reassurance and peace of mind knowing that your bank is with you, wherever you go across Kenya and Uganda. With Borderless Banking, you enjoy the convenience of banking from your account in both Kenya and Uganda.
RMB
Trade between Africa and China has never been easier. Enjoy transactional convenience and great savings through direct processing of CNY/RMB transfers to China and Hong Kong.
Trade & Working Capital
At Standard Chartered SME Banking, we understand how important it is to be financially flexible. That's why we offer a comprehensive range of credit facilities with competitive interest rates and a variety of repayment options to suit your needs.
Contract and Invoice Financing
We provide Structured financing against job contracts and Local Purchase Orders from Multinationals, large local corporate entities and government agencies. With invoice financing, your business is guaranteed no disruptions within the supply chain due to limited cash flows.