Standard Chartered SME & Business Banking
Business accounts, Straight2Bank, working capital, trade finance, and property financing for sole proprietors through to growing SMEs.
- Conventional & Saadiq
- Up to PKR 200M Working Capital
- 24+ Market Trade Network
Standard Chartered Pakistan's SME banking covers business current/savings accounts (conventional and Saadiq), the Straight2Bank online platform, working capital facilities up to PKR 200 million, trade finance across letters of credit and export/import services, and business property financing up to 70% of a property's value.
Standard Chartered runs a dedicated SME Banking arm in Pakistan, separate from its retail personal-banking business, aimed at sole proprietors, partnerships, clubs, societies, and limited companies. It covers the basics — day-to-day business accounts and online banking — through to working capital, trade finance, and cross-border support for businesses expanding beyond Pakistan. Everything below comes directly from SCB's own Business Banking page, not a summarized guess.
Business Accounts
| Account | Who It's For |
|---|---|
| Business Current Account | Sole proprietors, partnerships, clubs, societies, and limited companies — day-to-day transactional banking |
| Business Savings Account | Same customer segments, for holding funds with returns |
| SME Current Account | Small and medium businesses needing accessible, convenient transactional banking |
| Tijarat Classic / Tijarat Plus | SME-focused current account tiers with business-specific features |
| Saadiq Sahulat Online Account | Shariah-compliant current account for transactional and business needs |
| Saadiq Saver Plus Account | Shariah-compliant savings account offering transactional convenience plus returns |
| Conventional Sahulat | Business-focused account with accessible, convenient solutions |
Confirmed from Standard Chartered Pakistan's official Business Banking page (sc.com/pk/business). Specific fees, minimum balances, and eligibility criteria for each account should be confirmed directly with SCB or a relationship manager, as these weren't itemized on the overview page.
Straight2Bank — Business Online Banking
Straight2Bank (S2B) is SCB's dedicated online banking platform for businesses — separate from the personal Online Banking portal and SC Mobile App. It handles payments and transaction tracking, collections (local sale proceeds pooled into a centralized account, or a biller setup that accepts payments from any bank's ATM or online banking), real-time balance and statement reporting including multi-bank reporting, and bulk payment processing via manual entry or batch file upload. Payment instruments available through S2B include corporate cheques, pay orders, demand drafts, book transfers, IBFT, and payroll/salary transfers, with remote authorization available for signatories via wireless devices.
Funding & Working Capital
| Solution | Key Terms |
|---|---|
| Business Working Capital | Credit facilities up to PKR 200 million; size depends on sales turnover, existing banking facilities, and collateral; cash/near-cash collateral basis |
| Business Property Solutions | Financing up to 70% of a property's purchase price or market value; repayment period up to 10 years; covers residential/commercial units |
| Saadiq Business Mortgage Finance | Up to 55% financing of property value; tenor up to 15 years; for purchasing commercial property such as an office or shop |
Confirmed from Standard Chartered Pakistan's official Business Banking page. Actual approved facility size and rates depend on individual assessment — treat these as the published ceiling/structure, not a guaranteed offer.
Trade Finance & Cross-Border
For businesses trading internationally, SCB draws on its global trade-finance network across more than 24 markets in Asia, Africa, and the Middle East. On the import side: letters of credit, import bills for collection, shipping guarantees, and import financing. On the export side: export letter of credit advising and confirmation, letter of credit checking and negotiation, export bills for collection, performance bonds and guarantees, and export financing against orders. A dedicated relationship manager acts as the single point of contact, backed by trade, FX, and investment specialists.
Contact & Getting Started
| Channel | Detail |
|---|---|
| SME Phone Banking | 111-722-724, or +92 21 111 722 724 from overseas |
| Trade Client Service Hotline | +92-21-111 600 600 |
| Straight2Bank Login | Separate portal from personal Online Banking — s2b.standardchartered.com |
| Apply / Get in Touch | Via SCB's official Business Banking page contact form, or through a relationship manager |
Confirmed from Standard Chartered Pakistan's official Business Banking and Contact Us pages.
Frequently Asked
Can a sole proprietor open a business account with SCB?
Yes — SCB's Business Current and Savings accounts explicitly cover sole proprietors, alongside partnerships, clubs, societies, and limited companies.
Is Straight2Bank the same as SC Mobile App?
No. SC Mobile App and personal Online Banking are for individual retail customers. Straight2Bank is a separate platform built specifically for business transaction volume, collections, and reporting.
Does SCB offer Islamic business banking?
Yes — Saadiq Sahulat Online Account, Saadiq Saver Plus Account, and Saadiq Business Mortgage Finance are the Shariah-compliant equivalents of the conventional business products.
Good For
- Sole proprietors and SMEs comparing SCB's actual business account options in one place
- Understanding what Straight2Bank does before asking a relationship manager
- Getting a sense of working capital and trade finance ceilings before applying
Ready to bank with Standard Chartered?
Verify current rates, offers, and terms directly with SCB Pakistan before you apply.
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For independent verification, see Standard Chartered Pakistan Business Banking (official), State Bank of Pakistan.