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Business Instalment Loan

A fast and simple financing solution for SMEs.

Features and benefits

No tangible assets as collateral required
Approval-in-principle in 30 seconds*
No financial statements required#
Loan amount up to HKD1,500,000^
Repayment period up to 60 months
If apply with 90% Guarantee Product under the SME Financing Guarantee Scheme, loan amount up to HKD8,000,000
Fixed monthly instalment amount, facilitating your cash flow planning

By applying for the Business Instalment Loan with 90% Guarantee Product under the SME Financing Guarantee Scheme, the maximum facility amount will be enhanced up to HKD8,000,000. The loan is uncommitted and repayable on demand. Terms and conditions apply. Please visit 90% Guarantee Product under the SME Financing Guarantee Scheme for details.

Eligibility

Business Instalment Loan

Companies registered and operating in Hong Kong
Company owners living in Hong Kong
Companies operating for at least 2 years

Apply for Business Instalment Loan (SFGS)

Companies operating and registered in Hong Kong
Possessing good loan repayment record
Not applicable to listed company, lending institution or the lender's affiliates

Documents required

Application Form
Certificate of Incorporation / Business Registration Certificate
HK identity card or passport of guarantor(s) / owner(s)
Hong Kong residential address proof of guarantor(s) / owner(s)
Personal Guarantee by company owner / director (for Limited Companies only)

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, 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.

Remarks:

* Selected existing HSBC SME customers who submit the application form with all required documents via the SME lending hotline or HSBC Business Centres can obtain preliminary approval results within 30 seconds. The Bank will assess the loan application and (if the application is successful) credit the approved final loan amount to the repayment account within three working days upon receipt of a fully completed application and all required documents.

# Limited companies which apply for Business Instalment Loan are required to provide Personal Guarantee by company owner(s).

^ Minimum loan amount is HKD50,000.