Business banking

Move faster with business banking built for serious growth.

Unity Capital supports SMEs, exporters, startups, professional firms, schools, churches, retailers, and established companies with secure USD banking and practical cash-flow tools.

Same dayDigital onboarding review

$500kSME credit access

24/7Fraud monitoring

Multi-userApprovals and roles

Accounts Payments Cash flow Industries FAQ

Business Operating Account

Run day-to-day transactions, receive USD, pay suppliers, and monitor balances in real time.

Merchant Collection Account

Accept customer payments through links, invoices, cards, and supported mobile channels.

Reserve and Tax Account

Separate cash for taxes, inventory, expansion, payroll, and emergency operating reserves.

Payments

Pay teams and suppliers without messy spreadsheets.

Upload payroll, assign approval limits, schedule supplier payments, and keep a clean audit trail for every transaction.

Bulk payrollSupplier templatesDual approvalsExportable statements

Payment batchReady

Payroll file uploaded42 staff

Finance manager approvedDone

Director approvalPending

Receivables view

$48,300

Track expected incoming funds and overdue invoices.

Working capital

Up to $500k

Credit lines for stock, payroll, and expansion.

Relationship support

Dedicated

Get guidance from business banking specialists.

Importers and exporters

Manage supplier settlements, trade documentation, and USD inflows.

Retail and hospitality

Consolidate collections, card payments, payroll, and expense controls.

Professional services

Separate client funds, operating funds, taxes, and team payments.

Can my team have different access levels?

Yes. Assign maker, checker, approver, viewer, and admin roles.

Can I apply for business credit?

Yes. Unity Capital offers working capital, trade finance, and expansion loans.

Can I receive USD from customers?

Yes. Business accounts are built around USD receivables and reporting.