Business Working Capital

For individuals
- Current Accounts
  
  Ordinary Current Account
  Take care of your finances with our flexible account
  
  Hifadhi Current Account
  Only pay for the transactions you do with no monthly fees
  
  All in one Account
  Manage all your financial transactions for just one monthly fee
  
  Savings Accounts
  
  Safari Savings Account
  Start your savings journey with us
  
  Safari Junior Account
  It’s never too early to secure your child’s future.
  
  Deposits
  
  Fixed Deposit
  
  View All Accounts & Deposits
- Credit Cards
  
  Gold Credit Card
  Enjoy 5% Cashback* on your dining and fuel bills
  
  Platinum Credit Card
  Enjoy reward points on everyday spends & cashback* on dining and fuel bills.
  
  View All Credit Cards
- Debit Cards
  
  Gold Debit Card
  Earn reward points for every spend.
  
  Platinum Debit Card
  Enjoy fabulous dining, shopping, lifestyle rewards all year-round
  
  Infinite Debit Card
  Access over 800 airport lounges all around the world for free
  
  View All Debit Cards
- Loans
  
  Personal Loan
  Get cash immediately with our easy to process personal unsecured loan
  
  Salary overdraft
  Get an instant line of credit with our overdraft facility
  
  Car Loan
  Apply for our high limit auto loan and get moving in that perfect car
  
  Mortgages
  
  Home Mortgage
  Open the door to your dream home with a mortgage
  
  Construction Mortgage
  If you can dream it, let our construction mortgage help you build it
  
  Non – resident Mortgage
  Let us help you buy the home you desire
  
  View All Loans
- Investments
  
  Wealth Builder
  A smart and convenient way to invest
  
  Wealth Lending
  Financial flexibility to meet your needs
  
  Fixed Income Securities
  Enjoy a regular stream of income
  
  Foreign Exchange
  Get access to various foreign currencies
  
  View All Investments
- Insurance
  
  Home Insurance
  Protect your home and your family from the unexpected
  
  Car Insurance
  Secure your car against damages
  
  Travel Insurance
  Enjoy stress-free holidays
  
  Educare
  Secure your children’s future today.
  
  Educare Plus
  They focus on their grades, as you focus on a bright future
  
  Super Endowment plus
  Confidence comes from knowing every box is ticked.
  
  View All Insurance
For companies
- Accounts
  
  Business current Account
  An account that offers preferential pricing on transactions and remittances.
  
  Business Foreign Currency Account
  A current account available in major foreign currencies
  
  Safari Savings Business Account
  An interest bearing account
  
  View All Accounts
- Cash Management
  
  Smart Business Plan
  An innovative pricing plan
  
  Business Collection Services
  A solution for your collection needs
  
  Business Payment Services
  Comprehensive Payment Solutions
  
  View All Cash Management
- Loans and Working Capital
  
  Business Mortgages
  Business Property Loan with attractive features
  
  Term Loans
  A secured business term loan
  
  Business working capital
  Financing solutions and trade services to help you grow
  
  View All Loans and Working Capital
- Business Protection
  
  Business Protection Insurance
  Business Property Loan with attractive features
  
  Foreign Exchange hedging
  Innovative Forex services and products for your business requirements
  
  View All Business Protection
- Global Banking
  
  Chinese Global Banking
  Be it in Africa or China, we are always here for you
  
  EAC Cross Border Banking
  Expanding across the East African borders
  
  International Network
  Get access to our global network across over 25 markets
  
  International Trade Services
  Letter of Credit confirmation, bonds and other guarantees
  
  View All Global Banking
- Yield Enhancing
  
  Investments
  A range of investments customised for better returns
  
  Term Deposits and Margin Account
  Choose from a variety of tenure and currency options
  
  View All Yield Enhancing
Search

Welcome to Standard Chartered

This is to inform that by clicking on the hyperlink, you will be leaving sc.com/ke and entering a website operated by other parties.

Such links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.

The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.

Thank you for visiting www.sc.com/ke

Proceed to third party website

Grow your business with a complete range of financial solutions with Business Working Capital

Get In Touch Get In Touch

Innovative one-stop financing facilities for businesses

Businesses can have the flexibility to select facilities based on needs so as to achieve better control of business cash flow and grow your business.

Flexible Facility Structure

Design your financing facilities from our range of working capital solutions including Overdraft, Short Term Loans, Trade Services and Foreign Exchange protection solutions.
Unlock the Potential of Your Collateral

Borrow up to 100% of your property’s market value, based on different property types. We accept cash, cash equivalent, residential property, commercial property & standard built industrial property.
Maximum Facility Limit

Based on your sales turnover, the collateral pledged, and your existing exposure to other banks, we can grant you up to US$2million, subject to our internal credit assessment and approvals.
Operating Account

Your account will require business inflows of at least 50% of the facility limit every quarter.
Simple, Hassle-Free Application and Annual Renewal Process

Simplified documentation to provide ease of application so that you can focus on your business.
Foreign Exchange Hedging Facilities

Foreign Exchange hedging facilities of up to US$500,000 are also available to assist you in managing your Foreign Exchange exposure.

Eligibility

Sole proprietorships, Partnerships or Private Limited Companies
Business registered in Kenya
Minimum 3 years of business operations

Documents Required

ID or Passport of all directors/shareholders/guarantors
Board of Directors’ resolution
Memorandum & Article of Association (or Constitution)
Certificate of incorporation/registration
Latest 6 months bank statements of main operating account
Latest audited financial statements (if applicable)
More details to be provided by the sales officer

Do I have to provide any security and/or collateral?
Yes, we accept cash, cash equivalent, residential property, commercial property & standard built industrial property. Further details will be provided by our sales officer.
What is the interest rate on the facility?
We offer attractive interest rates on the facility depending on certain credit parameters. Further details will be provided by our sales officer.

Business Banking General Banking Terms & Conditions

Grow your business with a complete range of financial solutions with Business Working Capital

Innovative one-stop financing facilities for businesses

Flexible Facility Structure

Unlock the Potential of Your Collateral

Maximum Facility Limit

Operating Account

Simple, Hassle-Free Application and Annual Renewal Process

Foreign Exchange Hedging Facilities

Eligibility & Documents

Eligibility

Documents Required

FAQs

Terms & Conditions

Grow your business with a complete range of financial solutions with Business Working Capital

Innovative one-stop financing facilities for businesses

Flexible Facility Structure

Unlock the Potential of Your Collateral

Maximum Facility Limit

Operating Account

Simple, Hassle-Free Application and Annual Renewal Process

Foreign Exchange Hedging Facilities

Eligibility & Documents

Eligibility

Documents Required

FAQs

Terms & Conditions

Related Links

Business Mortgage

Term Loans