Business & corporate
Finance that scales with the company.
From a first business account to cross-border treasury, Oceans Pacific supports founders, established companies and institutions with one relationship team and one platform.
Business accounts
An account that does the admin for you.
Starter
Free for the first year. One currency, unlimited local transfers, invoicing and a debit card for the founder.
Scale
$29 a month. Multi-currency balances, five user seats with role-based permissions and accounting sync.
Corporate
Priced on relationship. Unlimited seats, dual authorisation, API access and a named relationship manager.
Merchant services & acquiring
Take payments in person, online or over the phone, and see the money in your Oceans Pacific account the same day rather than three days later.
- Card-present terminals, tap-to-pay on phone and a hosted checkout
- Same-day settlement into your business account at no extra charge
- One reconciliation file covering every channel and currency
- Chargeback handling and dispute evidence managed by our team
Trade finance
Import and export with the working capital and the guarantees the counterparty needs before goods move.
- Documentary letters of credit and standby LCs
- Import and export collections handled end to end
- Invoice and receivables finance from 80% of ledger value
- Bonds, guarantees and supply-chain finance programmes
Treasury & foreign exchange
Manage liquidity, protect margin against currency swings and keep group cash visible in one consolidated position.
- Spot, forward and window forward contracts across 30 currencies
- Notional pooling and automated cash sweeps between entities
- Interest rate and FX hedging with clear, priced-out scenarios
- Overnight and term deposits for surplus balances
Illustrative only. Past performance is not a guide to future returns, and the value of investments can fall as well as rise.
Payroll & expenses
Pay a team across several countries without running several banks.
- Bulk payment files with per-employee approval trails
- Employee cards with spending rules and receipt capture
- Direct export to your accounting or ERP system
- Statutory deduction summaries ready for filing
Business lending
Credit priced on your numbers, not a category.
Working capital facility
Revolving credit from $25,000 to $5m, drawn and repaid as the cycle demands.
Term loan
One to ten years, fixed or variable, for equipment, fit-out or acquisition.
Commercial mortgage
Purchase or refinance premises with terms to twenty-five years.
Asset & equipment finance
Hire purchase and leasing so capital stays in the business.
Overdraft
A buffer on the current account for the weeks receivables run late.
Green transition loan
Discounted pricing for energy efficiency, fleet electrification and solar.
How it works
Four steps from enquiry to drawdown.
-
Introduction
A thirty-minute call to understand the business, the cycle and what the money is for.
-
Indicative terms
A written outline of amount, rate, security and covenants within three working days.
-
Credit review
We ask for filed accounts, management information and a cashflow forecast. One list, no drip-feed.
-
Documentation & drawdown
Signed electronically. Funds usually reach the account within two working days of completion.
Let's look at the numbers together.
Tell us what the business does and where it is heading. We will come back with something specific, not a brochure.