- 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.
Facilitating your cash flow efficiently
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.
A comprehensive range of transactional services is available to assist you in managing your company’s cash flow with greater ease and convenience.
Working Capital Solutions:
Trade and Working Capital International Trade Account Business Essential Business Saver Business Plus Export Services Import Services Cash Management Services Loan/Overdraft Against Property Term LoanBusiness Debit Card
Customized Solutions:
International Trade Account Business Saver Business Plus
Straight2Bank
Straight2Bank
Trade and Working Capital
This loan is useful for professionals, proprietors, partnership firms and private limited companies with turnover ranging from Rs. 1 crore to Rs. 110 crore.
International Trade Account
In today's global economy, the International Trade Account provides a comprehensive range of services to give your import or export business the competitive edge as well as help manage your cash flows better. It is specially created to make your business transactions as easy and economical as possible.
Business Essential
At Standard Chartered Bank (SCB), we understand that your business needs more from you than just managing financial transactions. That's why we bring to you a premium current account - Business Essential Account. A single banking solution that allows you to lead your business to growth while we take care of all your business banking needs.
Business Saver
Business Saver is a novel product offering from Standard Chartered Bank, where the money from your current account is automatically moved to and from a fixed deposit to provide maximum growth and liquidity. All this without any manual intervention. When your money crosses a certain pre-decided threshold limit, it is automatically transferred to a new linked fixed deposit. In the eventuality of shortfall in funds arising in the current account (due to payments/fund transfer/withdrawals), the product is designed to automatically break the latest fixed deposit to move the requisite money back into your current account.
Business Plus
At Standard Chartered, we ensure that your banking is most economical with our Business Plus Account so that you may reinvest the money saved in your business. Take a look at the unique benefits of having a Business Plus Account:
Export Services
Credit bills negotiation Pre-shipment export financing Export Letter of Credit advising Letter of Credit confirmation
Cash Management Services
Cash Management Services: Is a solution aimed at providing speedy realisation of outstation cheques with enhanced logistics support for management of cash and cheque collections.
Loan/Overdraft Against Property
Loan/ Overdraft Against Property is a flexible product offering that allows you a combination of a term loan and overdraft facility against residential or commercial property. It also allows you to fulfil your short term and long term business requirements, be it working capital requirement or business expansion by unlocking the potential of your property.
Term Loan
We offer term loan for acquisition of commercial property, purchase of fixed assets and business expansion, including loan against property to business with turnover ranging from Rs. 1 crore to Rs. 110 crore. This loan is useful for professionals, proprietors, partnership firms and private limited companies.
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