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SME Business Loan
> Current Promotion Offer
Hang Seng has always been a reliable business partner of SMEs in facilitating them to realise their creative ideas that create wealth.
Only if one’s operational needs can be met in an effective and timely manner can one continue to excel in wealth creation. Hang Seng SME Business Loan provides you with swift loan approval
within 48 hours
(1)
, allowing you to enjoy greater flexibility in cash-flow to maximise your competitive advantages.
Loan amount up to
HKD1,000,000
(2)
Interest rate as low as
0.38%
flat per month
(3)
No collateral or financial reports required
Revolving option allows you to re-borrow the repaid principal amount
(4)
Pre-approved Commercial Card
(5)
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For enquiries, please call 24-hour Business Partner Direct
2198 8000
or visit any of our
branches
or
Business Banking Centres
.
Terms and Conditions:
(1)
Hang Seng Bank Limited ("the Bank") will assess the application within 2 working days upon the receipt of all the required documents. The loan amount, interest rate and other terms and conditions are subject to the terms and conditions as set out in the relevant loan documents to be signed and accepted by the customer. The Bank reserves the right of final loan approval.
(2)
Subject to a minimum loan amount of HKD25,000 and a Company Search Fee of HKD150 per search.
(3)
Annualised Percentage Rate (APR) is 10.68% (based on a loan amount of HKD100,000 and a loan tenor of 12 months including a handling fee of 1%).
(4)
The customer may apply for the revolving option if the customer has repaid at least one-third of the total number of instalments. The application is subject to the Bank’s usual credit assessment procedure.
(5)
Applicable to customers who have successfully applied for and drawn down SME Business Loan. The offer and final approved credit limit are subject to individual customers’ credit assessment result and the Bank may request further documents from the customer for loan approval purposes. The Bank reserves the right of final loan approval.
(6)
Only applicable to customers who hold a valid Hang Seng Commercial Card. After successfully applying for SME Business Loan online, if a customer spends or makes cash advances at least once within 2 months after loan drawdown, $100 Cash Dollars will be credited to the Commercial Card account used to make the first spending or cash advance by the company within 8 to 10 weeks after the posting date of the relevant spending or cash advance transaction. Use of Cash Dollars is subject to the terms and conditions for Hang Seng Credit Card Membership Rewards Program.
(7)
For details of the Cash Dollars reward, please visit
Hang Seng Commercial Card webpage
.
(8)
Voucher(s) for purchase of Canon Multi-functional Printer System / Free Canon Laser Jet Printer will be available to the customer upon signing of the Loan Offer Letter by the customer.
(9)
Start-up companies refer to Hong Kong Institutions established/registered in Hong Kong within the past 12 months prior to the loan application date.
Remarks:
•
All gifts or discount vouchers are available while stock lasts. Hang Seng reserves the right to substitute the same with other gifts or rewards.
•
All products, services and information related to the above offers are directly sold and supplied to customers by the relevant merchants who are solely responsible for all related obligations and liabilities.
•
Hang Seng reserves the right to suspend, revise or terminate the above offers and amend the terms and conditions therof at any time without prior notice. In case of disputes, Hang Seng reserves the right of final decision.
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