SME Business Loan

The Choice of SME: Power up your business success with HKD33 Billion financing solution

SME Business Loan

Get a chance to win limited-time double offers upon successful loan drawdown

Know More  

Your Priority of SME Loan when Growing your Business:

Obtain speedy cash to facilitate business operation and expansion.  

SME Business Loan:

Bringing immediate solutions for your capital needs. Empowering your business with speed, which really matters in this ever faster changing market.

Digital Services

Online Application
For New Customers:

Apply Online and Submit Documents

Click Here  
Online Application
For Existing Customers:
Apply at our Hang Seng Business e-Banking and Submit Documents
Click Here  

Contact Us

Contact Us
Call SME Business Loan Hotline
2198 8033

How can we make a difference for you with SME Business Loan? 

Easy access to funds

  • Provide loan of up to HKD2,000,000 without asset as collateral or financial reports required¹


Flexible financing options:

Instalment Loan²

  • Up to 60 months repayment period
  • Option of principal repayment deferral in the first 3 months of the repayment period³


Overdraft Facility4

  • No interest will be charged on unused credit limit
  • Credit limit will be restored automatically upon each repayment



To borrow or not to borrow? Borrow only if you can repay!

  1. Hang Seng Bank Limited ("Hang Seng") reserves the right to request any further supporting documents / information.
  2. Monthly repayment amount is rounded up to one decimal point. The proportion of loan principal to interest in each monthly instalment is calculated according to the "Rule of 78".
  3. Customers may choose to pay interest only and not make any principal repayment in the first 3 months of the repayment period. Afterwards, customers shall repay the entire principal and pay interest in the remaining repayment period.
  4. Customers must make a minimum payment of an amount equivalent to 10% of the total outstanding amount on or before the payment due date as shown in the relevant monthly statement.
  5. Please view Hang Seng’s Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance before application. Customers are required to sign and submit related application form and loan documents.