Hang Seng truly understands SME clients’ financing need for cash flows management and business expansion. The Hang Seng Business Loan (“Business Loan”) is designed to empower your business with speed and agility in this rapid changing market, by bringing immediate financing solutions to you. With the Business Loan, you can catch every opportunity to win on the fast track.

With the launch of the Business Loan application service at the Hang Seng Business Online Application Platform, your application can be done online quickly and easily.


  • Allow you to sign up and create profile online to fill in the online application form of Business Loan at any time

  • Upload the required documents to further speed up and streamline the application process

  • Loan amount of up to HKD2,000,000

  • No collateral or financial reports required(1)

  • Choice of 2 financing options: Instalment Loan(2) 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 Deferral(3) in the first 3 months
    3. Top-up Loan allows you to re-borrow the repaid principal amount(4), providing greater financial flexibility
    1. Overdraft Facility(5) helps you meet unexpected financial needs
    1. No interest charged on unused limit
    2. Credit limit restored automatically with each repayment


Successfully apply for the Business Loan on or before 31 December 2019 through Hang Seng Business Online Application Platform to exclusively enjoy the following privileges(i)



  • 50% off of handling fee
    for Instalment Loan

  • 50% off of monthly fee
    for Overdraft Facility