Skip to content
HSBC
sme-financing-scheme-banner

We’re here to support SMEs

We understand our business community needs extra support to get through challenges faster. We stand ready to support you with our simple and fast financing solutions, seamless lending process, digitised banking services, as well as beyond banking solutions.

Watch the video to find out how we stand with one of the Hong Kong SMEs – the Dukling to help them make finance easier and facilitate their innovation and digital transformation.

Offers

Successful applicants of SME Financing Guarantee Scheme (SFGS) before 31 December 2024 and have the loan drawdown before 31 Jan 2025 can enjoy a range of offers and service support1, including:

  • 2-month interest rebate of up to HKD10,0002
  • Handling fee waiver for the first year of up to HKD10,0002
  • Guarantee fee rebate of up to HKD50,0003
  • 100% set-up fee waiver for new registrants of HSBC Business Collect, the e-Commerce and/or m-Commerce solution(s)4
  • 100% transaction fee waiver in the first 2 months for new autoPay customers4

Learn more

90% Guarantee Product under the SFGS
80% Guarantee Product under the SFGS

Our commitment to helping SMEs enhance their financial resilience :

Fast and simple financing solution for business

icon

Business Instalment Loan

  • No tangible assets as collateral required

  • No financial statement requiredi
Learn more

Simplifying loan application process

icon

HSBC Merchant Financing Programeii

  • Use of digital data to replace conventional trading documents for credit assessment
  • No financials or collateral required
Learn more

Banking at the speed of business

icon

Automatic Bank Feedsiii

  • Automatically sync your bank transactions to your Excel or Google Sheet file daily

Microsoft Excel
Google Sheet

Making business easier


icon

HBSC Business Go

  • Bringing together knowledge, tools, and a global community of like-minded business owners and partners, helping businesses to grow further
Learn more

Reminder: “To borrow or not to borrow? Borrow only if you can repay!”

Note :

All applications for a Business Instalment Loan are subject to the applicable terms and conditions which will be set out in the application form and loan notification letter. Please refer to the application form for details.

All loan applications are subject to the Bank’s usual credit assessment approval procedure. The Bank reserves the right to amend the loan amount, interest rate, benefits and terms and conditions without prior notice. HSBC has not authorised or appointed any intermediaries to conduct telesales marketing activities for promotion of commercial lending / commercial cards.

1. Terms and conditions apply and are subject to contract. Please refer to the respective terms and conditions. HSBC “SME Financing Scheme 2024” General Terms and Conditions
2. HSBC “SME Financing Scheme 2024” - Interest Rebate and Handling Fee Waiver Terms and Conditions
3. Successful applicants of 90% or 80% Guarantee Product under the SME Financing Guarantee Scheme can enjoy guarantee fee subsidy up to HKD50,000. The application period for the subsidy ends on 31 Mar 2025. The decision of The Hongkong and Shanghai Banking Corporation Limited on application approval shall be final and conclusive. Refer to application form for detail terms and conditions
4. HSBC “SME Financing Scheme 2024” : AutoPay and HSBC Business Collect Offers Terms and Conditions

i. Limited companies which apply for Business Instalment Loan are required to provide Personal Guarantee by company owner(s).
ii. The module and features of HSBC Merchant Financing Programme with different partners are varied. Please check with HSBC team for more details.
iii. Savings and current accounts in all currencies are supported (except Passbook savings accounts).

Call Us

For enquiries, please speak to your relationship manager or call our SME Financing Hotline at

2748 8278

Need help icon

Need help?

If you have question about our products and services, please click ‘Chat with us’.
Chat with us