Limited-time Multiple Offers Loan Product Comparison SME Business Loan Application Steps
To grow your business, ensure you have a flexible cash flow plan in place!
Hang Seng enhances the SME loan approval process, making business financing faster and easier. Power Up your business!
Online application system upgrading ! Approval-in-principle result can be received in 10 seconds2!
Hang Seng offers a variety of financing products: to better meet your business funding needs
Streamlined process ! No collateral or financial report is required1. Disbursement can be ready as quick as 3 business days5

Successful application for the relevant loan products through the
Hang Seng Business Online Application Platform or Hang Seng Business e-Banking can enjoy
limited-time multiple offers!
 
Limited-Time Multiple Offers
From 17 November 2025 to 30 June 2026, each customer who successfully applies for SME Business Loan through the Hang Seng Business Online Application Platform or Hang Seng Business e-Banking may enjoy the following limited-time multiple offers:
Offer 1
Full handling fee waivers for the Instalment Loan under the SME Business Loan. Customers who apply for the Overdraft Facility are eligible to enjoy 50% off first-year monthly fee(i)
Offer 2
Up to HK$3,300 cash rebate for successful application and drawdown of the Instalment Loan under SME Business Loan(ii)
Offer 3
Complete the following tasks to enjoy the reward of an additional Cash Rebate of HK$1,600!
  • First 330 eligible customers who apply online and successfully drawdown a SME Business Loan within designated period are entitled to an additional cash rebate of HK$800(iii) during the promotion period.
  • Each eligible customer is entitled to an additional cash rebate of HK$ 800(iv) during the promotion period by successfully drawing down a SME Business Loan within designated period, while consenting to share commercial data via Interbank Account Data Sharing (IADS), Commercial Data Interchange (CDI) or other approved Alternative Data Partners by the Bank for the designated loan product via online application.

Each eligible customer is only entitled to enjoy the additional cash rebate once. Terms and conditions apply.

SME Business Loan Manned Hotline: 2198 8033

SME Business Loan Features
Loan amount up to HK$2,000,000
No collateral or financial reports required
Choice of 2 financing options: Instalment Loan or Overdraft Facility
  1. Instalment Loan allows you to better plan your finances
    • Repayment period of up to 60 months
    • Choice of Principal Repayment DeferralFootnote remark [1] in the first 3 months
  2. Overdraft FacilityFootnote remark [3] helps you meet unexpected financial needs
    • No interest charged on unused limit
    • Credit limit restored automatically with each repayment

Remarks:

^ Customers may choose to pay interest only and not to make any principal repayment in the first 3 months of the repayment period (“Principal Payment Holiday”). After the Principal Payment Holiday, customers shall repay both the principal and interest for each instalment in the remaining repayment period.

# Customers are required to 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.

 
Limited-Time Multiple Offers
From 17 November 2025 to 30 June 2026, each customer who successfully applies for 90% Guarantee Product through the Hang Seng Business Online Application Platform or Hang Seng Business e-Banking may enjoy the following limited-time multiple offers:
Offer 1
Full handling fee waiver and up to HK$100,000 Guarantee Fee Subsidy(i)
Offer 2
Up to HK$3,300 cash rebate for successful application and drawdown of the 90% Guarantee Product under SFGS(ii)
Offer 3
Complete the following tasks to enjoy the reward of an additional Cash Rebate of HK$1,600!
  • First 330 eligible customers who apply online and successfully drawdown a 90% Guarantee Product within designated period are entitled to an additional cash rebate of HK$800(iii) during the promotion period.
  • Each eligible customer is entitled to an additional cash rebate of HK$ 800(iv) during the promotion period by successfully drawing down a 90% Guarantee Product within designated period, while consenting to share commercial data via Interbank Account Data Sharing (IADS), Commercial Data Interchange (CDI) or other approved Alternative Data Partners by the Bank for the designated loan product via online application.

Each eligible customer is only entitled to enjoy the additional cash rebate once. Terms and conditions apply.


90% Guarantee Product Features
Maximum Facility Amount up to HK$8,000,000
Maximum Guarantee Period up to 5 years

Want to know more about other types of SFGS products?
Borrowing Power Calculator

Hang Seng SME customers can receive an indicative estimate of borrowing capacity based on submitted financial and credit information*. The Commercial Banking team will offer dedicated follow-up to address customers’ financing needs.

To get started, please log in to Business e-Banking via Desktop or the Business Mobile App and access "Cashflow Analysis".

* The figures are estimates only; the final loan amount is subject to approval.

Disclaimer
The estimated borrowing power is based on the information given and is for reference only. It does not constitute any assurance of loan approval. Please consult with our Relationship Manager to explore the loan solutions that best meet your needs.

Product Comparison

Business Loan

80% Guarantee Product4

To get a speedy loan drawdown to facilitate business operation and expansion

To get a government guaranteed loan with better interest rate

Loan amount up to HK$2,000,000

A larger loan amount up to HK$18,000,000

Instalment loan repayment period of up to 60 months4
No collateral or financial reports requiredFootnote remark [1]

Maximum guarantee period of 10 years

Apply fully online and get the Approval-in-principle result in 10 secondsFootnote remark [2]
Upload documents and complete digital ID verification to e-Sign the loan documentsFootnote remark [3]

Follow-up by Relationship Manager after online application

Faster Directly approved
by Hang Seng

After approval by Hang Seng, subject to
HKMCI's approval

Remarks:

  1. Hang Seng reserves the right to request any further supporting documents / information.
  2. 10-second approval-in-principle service (“Approval Service”) is for reference only and subject to the accuracy of information provided by customers, the devices and internet performance of customers, the availability and stability of the Hang Seng’s related systems and servers, as well as the credit reference agency’s services. Hang Seng reserves the right to determine whether or not to provide the Approval Service at its sole and absolute discretion. For online applications without Approval Service results generated, Hang Seng will contact the customers within two working days. The result of the Approval Service is generated based on the information provided by the customer in the online application, the internal records of Hang Seng and credit information provided by credit reference agency. The result of the Approval Service is subject to the supporting documents provided by the customer and final review and approval by Hang Seng. Hang Seng reserves the right to approve a lesser amount of the result of the Approval Service or reject the application without giving any reason. The final approved loan amount, interest rate, fees, and other terms and conditions are subject to the relevant loan documents accepted and signed by the customer.
  3. The digital ID verification and e-Sign service is subject to the devices and internet performance of customers, the availability and stability of Hang Seng’s related systems and servers. Also, the customer’s connected parties have to be physically located in Hong Kong when completing digital ID verification and e-Sign. Hang Seng reserves the right to determine whether or not to provide the service at its sole and absolute discretion.
  4. Applications will be followed up by a relationship manager. Customers are required to submit the necessary documents to the relationship manager for review and follow-up as requested. Hang Seng reserves the right to request for any relevant supporting documents/information. Hang Seng has absolute discretion to reject any application or to approve a lower loan amount than applied for, without providing any reason. The final approved loan amount, interest rate, fees, and other terms and conditions are subject to the relevant loan documents accepted and signed by the customer. Hang Seng reserves the right of final approval. For any enquiries, please contact your dedicated relationship manager or reach us via the SME Business Loan Hotline at +852 2198 8033.
  5. Loan disbursement can be processed in as few as three business days, the actual processing time may vary depending on individual customers' circumstances.
SME Business Loan
Application Steps
Create profile and submit the loan application form in the SME Business Loan application page
Approval-in-principle result in 10 seconds and upload documents
Upload the required documents and submit the form
Apply SME Business Loan Online

Remarks:

  1. Applicable to existing customers who have Hang Seng Business e-Banking. For customer who do not have Hang Seng Business e-Banking, please apply via Hang Seng Business Online Application Platform.