Business Banking Solutions
Running a business is a demanding affair. It takes time, effort, energy and inspiration to gain advantage and maintain it. Then there's the financial aspect of your business with all the complexity that is often associated with it.
At APS, we are committed to providing all the services you need to turn Business Banking into a valuable tool that helps you achieve business success including:
With years of collective experience, our Business Banking Team has the knowledge and the ability to understand the specific requirements of a wide variety of business situations, from the multitude of tasks that a sole trader must contend with during a day's work to the cross-border nature of an export-oriented industry. Therefore, we can offer you tailor-made solutions within a very short time.
Business Banking Services
Your Business Banking tool kit starts with these essentials, designed to work together for efficiency and convenience:
Business Current Account
Business Savings Account
Business Term Deposit Account
Internet Banking Service
SEPA and Non-SEPA Payments
SEPA Credit Transfers (SCTs)
SEPA Direct Debits (SDDs)
24-hour Cash Processing
BizPlus leads our portfolio of Business Banking products by combining the majority of the most frequently required services into one. Think of it as the only account you will need for most day-to-day situations.
Designed to work around your specific business needs, you can structure your banking to allow this one- account to help with financing future business premises, capital investment, or even to co-finance EU-funded projects.
This flexibility allows us to work with you to cater for the most demanding of today's business applications. You may either opt for stand-alone components of this suite, such as business loans or overdraft facilities, or to combine services in a manner that suits your current and future business activities perfectly. In every case, we are readily accessible to join you on your journey, from the very initial stages of a business venture all the way through the expansion of your existing business.
Business Development Loan - Designed to assist you with planning and implementing your marketing and business development initiatives.
Business Mortgage Loan - Finances the acquisition, construction, extension, completion or even refurbishment of the commercial premises from where you operate.
Business Overdraft - Helps your business grow even in tight conditions, our business overdraft will help finance the cash flow you need, when you need it.
Business Bridge Loan - Offers short-term financing to help bridge any immediate financing gaps you may have.
Capital Expenditure Loan - Gives you the possibility to invest in those assets that will help your business run smoothly, such as purchase of vehicles, showroom or office equipment and IT systems.
Commerce Facility - Enables you to combine business capital investment, and working capital into one simple account. Apart from the convenience of this service, you may also benefit from a reduction in interest costs.
As a successful business customer at APS, you and your employees are entitled to various benefits through our Organisation-Based Scheme. As an employer, you will be rewarded with lower payroll costs through an efficient, streamlined payroll system that makes use of our proven automated direct credit system.
Your employees will also benefit straightaway. For as long as they are in employment with your company, they are all entitled to a good number of banking benefits that they will enjoy. This is a great way of contributing to the well-being of your employees by helping them save time and money.
APS Bank supports businesses that save energy by using renewable resources Whether you intend to purchase or sell photovoltaic or wind energy sources or ecologically responsible vehicles, our finances can provide the funds you need, whenever you need them.
Green loans for environmentally-friendly products are intended for:
APS Bank also provides your business with additional tools by offering an extensive selection of investment services.
Foreign Exchange - At APS Bank, we offer you competitive foreign exchange rates for the most frequently traded currencies as well as the purchase and sale of banknotes.
Key Man Insurance - Offers cover against the eventuality that key persons within the business aren't present for a prolonged period of time and the resultant need to recruit and train suitable replacements.
Group Life Policies - A great way of showing your employees that they matter. This policy offers cover to all your employees and can even be extended to their families.
Portfolio Management - Our team can create a uniquely structured portfolio that matches your company's risk profile and exigencies based on your specific business objectives.
Liquidity Portfolio Management - This discretionary portfolio makes sure that your funds are working for you until you need them, and when you actually do require them, they are readily available.