Poise Commerce Bank
From first invoice to full treasury — a partner for every stage of growth
Small and medium businesses are the engine of the economy, but the banking they need is rarely a single product. It is cash-flow visibility, fast payments, clear pricing for day-to-day activity, and a relationship that scales when you add staff, locations, or cross-border trade. Poise Commerce Bank’s business banking proposition is designed around that reality.
Operating accounts and payment flows
A business current account is the control tower for incomings and outgoings. We support you with online access for you and, where you configure them, your finance team, with the ability to set permissions and to audit who approved what, when. Domestic payments, standing orders, and (where you qualify) same-day and international options can sit on a coherent fee and limit structure, explained up front in our business tariff and agreements.
Card programmes
From employee expense cards to company debit, we can structure card use around your policy: limits, merchant categories, and the ability to freeze a card the moment a device is lost. Reporting integrates with the activity you need for VAT, reimbursement, and board oversight.
Credit and overdrafts
Working capital needs vary by sector and season. We assess commercial lending, overdrafts, and asset-backed options against your accounts, your trading history, and the security we can take. We explain pricing, covenants, and monitoring clearly — you should always know what could trigger a review, not discover it in a default letter without context.
Onboarding and ongoing care
We are required to understand the nature of your business, your ownership structure, and, for higher-risk cases, the source of funds you move through the bank. That is not bureaucracy for its own sake; it is how we keep the system safe. A dedicated business manager may be available depending on your segment, scale, and complexity of needs.
Important
Business services are subject to application, our commercial credit policy, and our acceptance criteria. All lending is subject to status and our assessment of your ability to repay. Fees and product availability vary by segment.