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Business Banking

Coffee Cup, Cup, Laptop
Coffee Cup, Cup, Laptop

Making Business Banking Easy

Making business banking easy

Comprehensive yet simple business accounts, payments and cash management solutions

Cash flow, skilled staff and time are precious commodities for any business. Our business banking solutions help you make the most of these. We provide a comprehensive yet simple suite of business accounts, payments and collection solutions to help manage your cash flow efficiently.

i) Conventional:

ii) Saadiq:

Basic Current Account for Sole Proprietors, Partnerships, Clubs, Societies, and Ltd. Companies
Basic Savings Account for Sole Proprietors, Partnerships, Clubs, Societies, and Ltd. Companies

Saadiq Sahulat Online Account

A Shariah compliant Current Account for all your transactional and business needs Free online transactions up to PKR 1,000,000 per day

Saadiq Saver Plus Account

A Shariah compliant Savings Account that offers transactional convenience along with returns on your savings

  • Competitive profit rates
  • Transactional convenience

Cash Management Solutions

We also understand that you need unrestricted access to your bank at all times and that’s what you get with our market-leading online and mobile banking, available 24/7

Straight2Bank
  • Designed for businesses Straight2Bank is an award-winning online banking platform for all your transactions. With Straight2Bank, you can make payments and track your business transactions, even while you’re on the move
Collections
  • Local Sale Proceeds pooled in one centralized collections account or can be collected in multiple accounts and transferred to one central account at day end through standing instruction
  • Adding client as a biller enabling collections to be received from any bank ATM/ online banking channel
Reporting
  • Real time balances, statements and intra-day transactions
  • Info manager cash for reports
  • Multi bank reporting
Payments
  • View account balances
  • Download statements for company accounts
  • Payment transactions can be issued via manual entries or bulk uploading of payment file for batch processing
  • Financial instruments offered corporate cheques, pay orders & demand drafts, book transfers inter bank fund transfers, payroll salary transfers
  • Remote authorization of transactions through wireless devices assigned to signatories
Instruments can be:
  • Collected by designated company rider
  • Dispatched through courier to company
  • Dispatched directly to client’s beneficiaries
A comprehensive suite of investment solutions to make your money work harder

With a comprehensive range of deposits in multiple currencies and investment solutions, you can maximize returns on idle cash, while maintaining the flexibility to deploy the funds at short notice for your business needs

  1. Time deposits with a wide range of tenures and currency options to match your needs and maximize your returns
  2. We offer the following investment products:
    • Mutual Funds from top Asset Management Companies, to meet your short, medium and long-term savings goals allowing diversification and professional management of your investments
    • Certificate of Musharika which is a Shariah compliant profit and loss sharing scheme; giving an opportunity to earn predictable level of periodic income
Pk funding your growth bg img
Pk funding your growth bg img

Funding your growth

Funding your growth
  • As you expand your horizons, you need solutions that keep pace with your growth. Whether it’s working capital, trade finance solutions, or financing for a new office space, we help unlock the potential of your business with a variety of loan options and credit facilities.
  • We support you at each stage of your growth journey, from simple unsecured business loans and overdrafts, to working capital solutions, trade finance and property financing. You’ll get quicker access to funds, with less paperwork, so you can focus on expanding your business.
Business property solutions made easy

If you are planning to borrow against an existing property to expand your business, our business property solutions are a simple, efficient way to arrange funding

  • Extensive property coverage of residential / commercial units
  • Flexible repayment period of up to 10 years
  • Obtain financing of up to 70% of the property’s purchase price or current market value
  • Simplified documentation and application process
Expand your business
  • Saadiq Business Mortgage Finance gives you a financing solution that helps you grow your business
  • Whether you want your own office or retail space, our team will get to know your needs and offer you the best banking solution
Key product features
  • Financing for the purchase of commercial property e.g. office or shop
  • Up to 55% financing of the property’s value
  • Up to 15 years financing tenor
Flexible one-stop solution to address your working capital , trade finance, and foreign exchange needs
  • Business is complicated. That’s why we offer you Business Working Capital – a flexible bundle of working capital and trade finance that is your one-stop solution for all short-term borrowings and trade needs.
  • Simple, hassle-free application process
  • Credit facilities of up to PKR 200 Million. Your facility size will depend on your sales turnover, overall banking facilities and collateral
  • Cash/near cash collateral
  • Flexible facility structure that lets you choose the right solutions for your business
Landscape, Nature, Outdoors
Landscape, Nature, Outdoors

Expanding across Borders

Expanding across borders
  • In an increasingly globalized world, new opportunities can take you beyond your home market. Whether you are thinking about importing and exporting, outsourcing production or expanding to other countries, you will have the support of one of the largest trade-finance banks globally; we bring our proven expertise in trade and foreign exchange to you, making it safer for you to trade internationally. With a wide network and proven expertise in international trade, we help you expand across borders with confidence.
  • And our payment cards and travel insurance solutions will help you manage your travel needs more efficiently
Access to our international network
  • Your local relationship manager can help you set up banking relationships across over 24 markets in Asia, Africa and the Middle East
  • We can help you set up multi-currency accounts
  • You will have the expert support of our qualified relationship managers to help you manage your business more efficiently
Comprehensive suite of international trade solutions
  • Our import and export finance solutions, performance guarantees and other services make your international trade quicker and safer
Trade services
  • Our suite of trade services across imports, exports and guarantees offer you complete peace of mind while you explore new growth opportunities.
Our import trade products and services

Letters of credit (LCs) – A Standard Chartered letter of credit gives you the assurance from a world-class bank, when dealing with unfamiliar suppliers; you can be confident that payment will not be made until the documents are received and verified, to be in order

Import bills for collection – By asking your supplier to send their shipping documents to us, you will enjoy prompt advice upon our receipt of documents and fast payment according to your instructions

Shipping guarantee – To operate your business efficiently, it is vital that your goods are cleared expeditiously. By issuing a shipping guarantee in the shipper’s favour, we facilitate prompt clearance of goods until bills of lading are received

Import financing – We will be able to provide financing solutions topay for the supplier’s documents under letter of credit or import collections

Our export trade products and services:

Export letter of credit advising – Benefit from prompt advising of export letter of credit from a wide international network through us

Export letter of credit confirmation – By asking us to confirm your export LCs, you obtain our guarantee of payment for documents presented in compliance with the credit

Letter of credit checking and negotiation – Strict service standards are applied to ensure that your documents are negotiated and dispatched quickly

Export bills for collection – Simplify dispatch tracking of payment and reconciliation of your export collections when you choose our documents against acceptance, documents against payment or clean collections. Discounting of export collections is also available

Performance bonds and other guarantees –  We offer tailored solutions to meet all your performance bond and guarantee needs

Person, Human, Phone
Person, Human, Phone

Getting the right support

We value our relationship with you and we’re here to help you, with whatever you need to make your business grow. We are committed to providing you the highest level of service and getting things done when it counts for you.

Dedicated relationship manager

Your relationship manager, a certified professional with comprehensive training, is your single point of contact with the bank, helping you plan as your business evolves in a fast-changing world. An experienced team of client service managers and a team of qualified trade, FX and investment experts support our relationship managers. With this team approach, you will also get the right level of service, expertise and attention.

Expert advice
  • Certified, well trained professionals as your relationship managers
  • Trade, wealth and FX experts to assist you with your specialized needs
  • Access to business specific seminars and knowledge events?
Contact us

Please contact your Relationship Manager

Whatever your business priorities and however complex your business goals, you can count on us as your trusted international partner to provide high-quality solutions that best serve your needs.

+92 21 111 722 724

Tools

Experience SC Mobile Banking

Standard Chartered Mobile Banking app is now available on the App Store and Google Play

Disclaimer

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