Business banking
Banking that behaves like part of the finance function.
Operating accounts, reserves, cards and credit with the permissions, approvals and records that a real business needs — from first hire to multi-entity group.
Who we work with
Positioned for the stage you are actually at.
Small businesses
A clean operating account, a card for the owner and records an accountant can work from.
Growing companies
Team access, payment approvals, per-card limits and finance that funds capacity ahead of demand.
Entrepreneurs
Fast setup, separation from personal finances and a route to credit as trading history builds.
Established businesses
Multi-entity structures, treasury controls, dual authorisation and audit-ready activity logs.
Products
Accounts, credit and treasury in one relationship.
Business checking
An operating account with role-based team access and payment approvals.
- Team permissions
- Approval thresholds
- Business debit cards
Business savings
Hold tax provisions and reserves apart from working capital.
- Named reserves
- Sweep rules
- Controlled withdrawals
Business credit
Cards and revolving facilities with per-card limits and category controls.
- Per-card limits
- Receipt capture
- Utilisation tracking
Business loans
Term loans, equipment finance and working capital facilities.
- Term funding
- Equipment finance
- Working capital
Treasury & cash management
Liquidity visibility, payment runs and dual control for finance teams.
- Consolidated positions
- Batch payments
- Dual authorisation
Transaction management
Categorise, tag and export activity so reconciliation is routine.
- Receipt attachments
- Accounting exports
- Audit trail
Controls
Access for the team, oversight for the owner.
Permissions, approvals and logging are configured at onboarding and can be changed as the business changes.
Role-based access
Owners, finance staff and bookkeepers see only what their role requires.
Approval workflows
Require a second authoriser above a threshold you define.
Employee cards
Issue and freeze cards individually with their own limits.
Activity logging
Permission and payment changes recorded with user and timestamp.
Entity grouping
Separate books per entity with consolidated visibility.
Exports
Structured CSV and PDF output for accounting workflows.
All credit products are subject to application, eligibility criteria, affordability assessment and approval. Rates and terms are confirmed in your credit agreement.
Open a business account
Business applications require verification of the entity and its controlling parties. We will tell you exactly which documents are outstanding.