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It's good when you can reach for your dreams without compromising your principles.


Additional Features
  • Flexible financing tenure – Choose a payment period between 12 months to 36 months.
How does it work?
  • Bank purchases commodities from approved brokers
  • Commodities purchased will be sold to you at a price that includes a fixed profit margin, on a deferred payment basis
  • Once the sale is complete, the Bank acts as your agent to sell the commodities to interested buyers
  • The proceeds from the transaction will then be deposited into your designated Saadiq account

Sole Proprietor/Partnerships

  • Identification document of the Sole Proprietor/all Partners
  • Form A & Form D
  • 6 months bank statement of main operating account
  • Latest Form B/BE (Income tax form) for Sole Proprietor/all Partners
  • Professional Certificate (if applicable)


  • IC of directors/shareholders/guarantor
  • Board of directors' resolution
  • Memorandum & Articles of association
  • Certificate of incorporation (Form 9)
  • Form 24, 49, 44
  • 6 months' Bank statements of ALL major operating accounts
  • Latest Form B (Income tax form) of directors/shareholders/ guarantors
  • Latest Audited Financial Statements
  • Personal guarantee(s) signed by director(s)/shareholder(s)
How to Apply

Visit our nearest branch and submit your application. Upon receiving full and satisfactory documentation, approval is within 4 working days**.

* Terms and conditions apply. Subject to Bank's assessment and discretion on the type of collateral/security required. The Bank reserves the right to amend the facilities, and terms and conditions as provided in our banking agreement.

Member PIDM

Perdankan Islam | Standard Chartered Saadiq

Call Us

Call our hotline for further information.

603- 7711 8888/
1300 888 888

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.