Working capital

For private companies
A zebra looking towards the floor

Working capital is the lifeblood of your company. We recognise that businesses need funding at different points of the buying and sales cycle and want a straightforward end-to-end solution. 

In response, Investec has developed the Flexible Trading Account – a single, multifaceted finance solution that supports your business by providing working capital to optimise your cashflow throughout the trading cycle.

Let's discuss your needs

The Investec Flexible Trading Account

A comprehensive solution

The Investec Flexible Trading Account is a simple, comprehensive solution that can be adapted to meet the specific needs of your business, allowing you to plan more effectively while reducing the complexity and administrative burden of dealing with multiple departments of a conventional bank.

The account is built around our Intelligent Cashflow digital platform which integrates seamlessly with your finance system, putting you in control of your working capital in real-time.

Liquidity and growth support

The account includes a revolving credit facility option which can be used to generate cash to pay suppliers early and to finance your stock before it turns into invoices. If your suppliers are overseas, we can help to ensure you have an appropriate hedging strategy, even making payments directly in the local currency.

You can also opt to utilise a fixed-term advantage loan for one-off expenses like upgrading your property or purchasing capital items. All of this within one overall facility, delivered with minimum fuss and with one point of contact.

A dedicated account manager

Your dedicated and experienced relationship manager will help you to decide which options are right for your needs, building a lasting partnership based on true collaboration.

Each account manager has a limited number of clients, meaning they can develop an in-depth understanding of your business and your specific requirements.

Who is the flexible trading account for?

The account is designed to work across sectors and support companies who:

Operate in a business-to-business environment

Have a turnover of £1m or over

Have additional cashflow needs throughout the business cycle

Let's discuss your needs

Talk to us today and discover how our Flexible Trading Account can support your business's working capital needs.

Easy to set up, you can create a one-stop solution by tailoring the benefits to your unique working-capital requirements:
How Investec's flexible trading account works
John Wilde, Head of Investec Capital Solutions

We believe that businesses across the UK will benefit from this solution’s ease of use, integrated digital platform and having experienced relationship managers readily available.

Find out how our specialists are helping businesses achieve their ambitions

Industry recognition

Business Moneyfacts Awards 2021

Three-time winner

Best Leasing & Asset Finance Provider

Business Moneyfacts Awards 2019-2021

Business Moneyfacts Awards 2021

Winner

Best Business FX Provider

Business Moneyfacts Awards 2021

Business Moneyfacts Awards 2021

Highly Commended

Best Service from an Invoice Finance Provider

Business Moneyfacts Awards 2021

BMF Innovation award logo

Highly Commended

Innovation in the SME Finance Sector

Business Moneyfacts Awards 2021


It all starts with a conversation

Speak to a member of the team today and see how Investec can help you and your business

Investec Bank plc and its subsidiaries recognise and respect the privacy and data protection rights of individuals with regards to personal data.

We may use your personal data to provide you with services you request from us,  or to manage your accounts, make decisions, detect and prevent fraud, fulfil any contractual relationship with you, undertake analysis and assessment, ensure that we comply with legal and regulatory requirements and/or for other purposes where in our legitimate interests.

For further details as to how Investec uses personal data, please refer to our Data Protection Notice.

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