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Business Banking

Making Business Banking Easy

Working Capital Finance

Import Financing:

Standard Chartered will be able to provide financing solutions to pay for the supplier’s documents under letter of credit or import collections. Open account invoice financing is also available.

Structured Trade Financing:

Being an International bank and amongst the leaders in Trade services, Standard Chartered can offer structured Trade Financing solutions to its customers in local or foreign currency.

Local / Invoice Bill Discounting:

In order to help your business improve its working capital position, the bank can finance your receivables. To ease your business cash flows, the bank offers this product at a mark-up rate charged on a daily basis.

Overdraft:

We offer customised overdraft facilities for your business to meet its Working Capital and Short Term funding requirements such as payment of salaries, utilities and purchase of inventories etc. Once sanctioned, the agreed limit becomes available in your current account, and mark-up is charged only on the utilized amount.

Business Expansion

Term Loans

Term Loans are very flexible and are designed to meet the different financial needs of your business. You can leverage against your own property and get a loan from which you can you can undertake long term investments for expansion. In the process Term Loans also enables you to build up business equity by repaying the loan in monthly or quarterly instalments.

Funding your growth

Trade Services

Letter of credit

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 informing your supplier to send their shipping documents to Standard Chartered, you will enjoy prompt advice upon our receipt of documents and efficient payment according to your instructions.

Shipping guarantee

To operate your business efficiently, it is vital your goods be cleared expeditiously. By issuing a shipping guarantee in the shipper’s favour, Standard Chartered facilitates prompt clearance of goods until bills of lading are received.

Performance bonds and other guarantees

Standard Chartered offers tailored solutions to meet your entire performance bond and guarantee needs.

Export letter of credit advising

Benefit from prompt advising of export letter of credit from a wide international network through Standard Chartered.

Export letter of credit safekeeping

Rather than be inconvenienced by having to come to the bank to collect your export letter of credit, Standard Chartered will keep your original and send you a working copy to facilitate the preparation of documents.

Export letter of credit confirmation

Exporters may deal not only with unknown foreign buyers, but also with their banks which are less well known institutions and whose letter of credit (LC) may not be sufficient comfort. By requesting Standard Chartered to confirm your export LCs, you obtain our guarantee of payment for documents presented in compliance with the credit.

Export Bills on collection services

Simplify dispatch tracking of payment and reconciliation of your export collections when you choose Standard Chartered’s documents against acceptance, documents against payment or clean collections. Discounting of export collections is also available.

Letter of credit checking and negotiation

Standard Chartered’s thorough checking standards will reassure you that your documents will not be rejected. Strict service standards are applied to ensure that your documents are negotiated and despatched quickly.

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.
Straight2Bank

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

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

Getting the right support

Right Support

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

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