Hang Seng Business Loan (“Business Loan”) helps you stay ahead of challenges with the speed your business needs, bringing immediate financing solutions for you to master growth opportunities and achieve your business goals!

Apply Business Loan through the Hang Seng Business Online Application Platform. The approval-in-principal result will be available in 3 minutesFootnote remark [1]. Then you can e-Sign the loan documents anytime and anywhereFootnote remark [2].

Application Offer


From 1 May to 31 May 2022, selected commercial customers ( applicable to medical practice, accounting,
tax consultancy or legal services commercial customers) who apply Business Loan Instalment Loan through
Hang Seng Business Online Application Platform can enjoy the below offer(i):

0.28% Monthly Flat Rate3

Customers who successfully apply for the Business Loan Instalment Loan from 1 May - 31 December 2022 through Hang Seng Business Online Application Platform can enjoy below offers(ii):

Instalment Loan handling fee full waiver.
If successfully apply for Business Loan Overdraft Facility concurrently, customers can enjoy Overdraft Facility first-year monthly fee waiver.

Business Loan Application Steps

Create profile and
submit the loan
application form

Approval-in-principle result in 3 minutes and upload documents

Perform Digital ID Verification and
e-Sign the loan documents

Enquiry: 2198 8022

Features of Application for Business Loan


  • Loan amount up to HKD2,000,000

  • No collateral or financial reports requiredFootnote remark [4]
  • Choice of 2 financing options: Instalment Loan or Overdraft Facility
    1. Instalment Loan allows you to better plan your finances
    1. Repayment period of up to 60 months
    2. Choice of Principal Repayment DeferralFootnote remark [5] in the first 3 months
    3. Top-up Loan allows you to re-borrow the repaid principal amountFootnote remark [6], providing greater financial flexibility
    1. Overdraft FacilityFootnote remark [7] helps you meet unexpected financial needs
    1. No interest charged on unused limit
    2. Credit limit restored automatically with each repayment

If you need:

  • To relieve the cashflow pressure to pay salaries and rents

  • To get a government guaranteed loan with better interest rate and loan amount up to HKD9,000,000

You can choose to apply Special 100% Loan Guarantee online!

Know more