- Locate a Branch or an ATM/Cash Deposit Machine (CDM)
- Contact Us
- Careers
Online Services
- Ways to bank with us
- Online Banking
- Learn about eStatements
- Learn about SMS Banking
- Service & Price Guide
- Important Information
- Terms and Conditions
- Fax Indemnity
- Sustainability
- About Us
- Client Services Group
- Media Centre
Online Banking Login
- 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 can 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 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 cash flow to maximise 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 Plus 100 Account Business Essentials Trade & Working Capital Finance Trade Services Visa Business Debit Card SME Business Credit Card
Saadiq Solutions: Saadiq Tijarah Accounts Saadiq Trade Services
Customised Solution: International Trade Account
Electronic Banking Services: Straight2Bank
Business Plus 100 Account
Account that truly measures to your growing business needs. It provides you with comprehensive and professional account services designed to help develop your business, better utilise your available resources and maximise your returns.
Business Essentials
Business Essentials offers you efficient and convenient solutions, investment services and preferential rates on selected banking services to place your business for greater success.
Trade & Working Capital Finance
With an international presence over 50 countries and 150 years of banking experience, we can structure a financing solution best suited to your trade or working capital requirements from our complete range of products and services.
Trade Services
We understand the complexities and sensitivities in trading, particularly in a global marketplace. That's why we have designed the Trade Services solution that takes care of all your trading needs. Being a leading player in the Middle East, Asia and Africa with a vast banking network worldwide, we will help you eliminate the boundaries in doing business globally.
Saadiq Tijarah Accounts
We understand your need to do business in accordance with your principles. We also understand your day-to-day financial requirements and your desire to grow your business faster. As an international bank with vast global and local expertise, we offer you the ideal solution to support your business growth.
Saadiq SME Trade Services
At Standard Chartered Bank, we understand the complexities of international trade and the associated risks like export financing for raw materials, non-receipt of payment from the buyer, exposure to unfavourable currency fluctuations and many more. That's why we offer you world-class financial solutions to manage your trading requirements without compromising your beliefs.
International Trade Account
With International Trade Account, you can pursue your ambitions in domestic and international markets. It provides greater cost and time savings to help you secure the future of your business.
Visa Business Debit Card
At Standard Chartered Bank, we recognise the inconvenience of issuing cheques or using cash to make your business purchases. We also understand the challenge companies face to maximise their profits by cutting down on cost.
SME Business Credit Card
Standard Chartered SME Business Credit Card offers you a host of specially designed programmes to help your business save costs while you enjoy great deals. It also gives you rewards programme, worldwide recognition, financial flexibility, security benefits and many more.
Straight2Bank
Straight2Bank provides you with a fully integrated end-to-end electronic platform across our cash, trade, foreign exchange and securities services. This gives you a single point of access for your transaction, hedging and information needs, allowing you to streamline your workflow processes. It is also able to scale according to your need for product simplicity or sophistication, and can be adapted for a corporation or financial institution.
Related Links: