Business checking accounts
Settlement by 7 a.m., and a banker who picks up
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Business
A bank that reads your interim financial statements
Banking for owner-managed and mid-market businesses: accounts that settle quickly, credit assessed on operating history, and a banker who answers.
Business banking at HBI starts from how you trade. We look at cash conversion, customer quality and the people running the business, not only at what could be pledged as security.
From the Growth tier upward you deal with a named banker who knows your file. They have a direct line and a published response time, and they stay with the relationship as the business grows.
Products & services
All 8 business products
Each page carries its own fees, rates, qualifying conditions and questions.
Business loans & working capital
Assessed on how you trade, not only on what you own
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Merchant services & card acquiring
Take payment any way your customer wants to give it
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Trade finance
Cover the gap between shipping and being paid
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Invoice & receivables finance
Turn 60-day terms into cash this week
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Commercial real estate finance
Owner-occupied, investment and development, underwritten on the asset
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Payroll & direct deposit
Pay everyone on time, with one file and one approval
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Business foreign exchange
A live rate, a visible margin, and hedging when you need it
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How we work
Credit assessed on how you trade
We read your interim financial statements and bank statements, not just your balance sheet. A business with strong cash conversion and little collateral can still qualify.
Where the numbers do not work, we say so and explain what would change the answer, rather than stretching the term until the payment fits.
- Working capital, asset and real estate finance under one facility structure
- Dual authorization on payments as the default, not an upgrade
- Accounting integrations with daily feeds to QuickBooks, Xero and NetSuite
Business
By the numbers
7 a.m.
Next-day settlement of card and QR card sales
5 days
Credit decision turnaround on lending applications
2 hrs
Response commitment from your named banker
40+
Countries covered for trade finance
Where to start
Grouped by what you are trying to do
If you are not sure which product you need, start from the problem rather than the product name.
Accounts & payments
Operating accounts, collections, payroll and merchant settlement.
Lending
Working capital, asset and real estate finance for growing businesses.
Trade & international
Import and export cover, guarantees and cross-border settlement.
Tools & support
Digital channels, APIs and named relationship bankers.
Good to know
How we look after you
Controls come switched on
Dual authorization, account verification and user permissions are the default on business profiles. You choose to relax them; you do not have to remember to add them.
Your data feeds your books
Daily statement feeds run to QuickBooks, Xero and NetSuite, and reconciliation files are available for anything else, so month end starts from matched figures.
Decisions come with reasons
When we decline or reduce a facility we explain why and what would change the answer, so the next application is a better one.
Business
Ready when you are
Open an account online in about ten minutes, or sign in if you already bank with us.