Working capital is not about borrowing. It is about timing
Working capital that fits your cash flow cycle, not a bank’s template
Business overdraft
An overdraft attached to your business transaction account, letting you draw above your balance up to an approved limit. Interest is charged only on the amount drawn. Overdrafts suit businesses with short-term, recurring cash flow fluctuations. They are typically reviewed annually.
Business line of credit
A revolving credit facility with an approved limit that you can draw on and repay as needed. Similar to an overdraft but usually with a higher limit and structured separately from your transaction account. Lines of credit suit businesses needing flexible access to larger amounts.
Trade and import finance
Funding to pay overseas or domestic suppliers before you receive payment from your customers. Trade finance helps businesses that import goods or materials, bridging the gap between placing orders and selling the finished product. Terms and structures vary by lender and transaction type.
Seasonal cash flow facilities
Specific facilities designed for businesses with predictable seasonal trading patterns. If your business has strong months and quiet months, a seasonal facility can be structured to match, giving you access to funds during low periods and repaying during peak trading.
Project-based facilities
Short-term funding aligned with specific projects or contracts. If your business wins work that requires upfront spending before invoicing, a project-based facility can cover the gap. Lenders assess the contract, the client, and your capacity to deliver.
