Business Banking Made Easy
Efficient business banking can help maximise your cash flow and make it easier to run things the way you want.
The right banking set-up makes things easy
Your biggest task is to stay profitable. The way you bank plays a part, but so does the amount of time you have to spend managing your money.
Easier now, easier later
You want to be in a robust financial position, whatever life throws at you and your business. We’ll prepare for your current cash flow while planning for it to change in the future.
By giving you greater control over your finances, we help you enhance your cash flow and reduce the cost of your banking.
Day-to-day accounts
Centre your banking on the right account for storing and accessing the funds you need every day.
Savings and investment accounts
Park surplus funds where they’ll earn you interest, and consider linking a day-to-day account for quick, easy access. You could even set up an automatic balance transfer so funds over a certain limit go straight to your savings account.
Ways to receive payments
Help your customers by giving them a range of ways to accept payments. With the right options on offer it's more likely that you’ll be paid when you want to be.
Keep in mind both what your customers want and what you can manage.
Ways to make payments
You want making payments to be quick and easy. You also need flexibility, so you can make your payments however they’re requested, and keep your suppliers happy.
Ways to manage your transactions
You’ll probably need to be able to handle a high volume of payments, whether incoming or outgoing. How will you efficiently manage, monitor and report on your business transactions?
Depending on your business, and how you want to run it, you might want to work over the internet, with software on your PC or on the phone.
Finance and leasing
There can be times when you need to access extra funds, either when your surplus runs low or you face a negative cash flow.
The answer might be as simple as credit card for ordinary purchases or an overdraft. For a major investment like upgrading your property, equipment or vehicles, we can help you decide whether to finance things upfront or save your working capital and take a leasing option instead.
Insurance
If a catastrophe strikes your business, the effects can reach your employees and family. Adequate insurance can protect everyone that relies on your business, and return control of your business' destiny back to you after a disaster.
Our financing options could help your cash flow by spreading your premiums over a number of months.
Wealth development
What are your long-term plans for creating wealth? Building wealth for your business' future, and to reach your own goals in life, requires a plan that includes superannuation alongside other investment vehicles.
We can help create an investment strategy that covers everything from your lifestyle goals to business expansion plans.
Domestic and international trade
If you import or export goods, you need to know the risks. How will you handle overseas transactions? What about handling, or even benefiting from, exchange rate changes?
If seasonality affects your cash flow how will you cover shortfalls?
