The Choice of SME: Hang Seng Business Loan

Powering Up Your Business Success!

Hang Seng Business Loan

Apply loan online for faster and more convenient lending
With handling fee / monthly fee offers

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Your Priority of SME Loan when Growing your Business:

Obtain speedy cash to facilitate business operation and expansion.  

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
Apply Online and Submit Documents
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How can we make a difference for you with 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
  • Top-up Loan option that allows you to re-borrow the repaid principal amount4


Overdraft Facility5

  • 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 may apply for the Top-up Loan to re-borrow the repaid principal amount of the Instalment Loan if 6 or more monthly principal and interest instalments have been repaid. Such applications are subject to the usual credit assessment procedures of Hang Seng.
  5. 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.
  6. 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.