Supporting SMEs

The Banking Sector SME Lending Coordination Mechanism (Mechanism) was established by the HKMA in October 2019.  Participants include 11 banks that are most active in lending to small and medium-sized enterprises (SMEs).  The Hong Kong Association of Banks and the HKMC Insurance Limited are also represented in the Mechanism.

Since its establishment, the Mechanism has rolled out several rounds of relief measures for SME customers, including the Pre-approved Principal Payment Holiday Scheme, loan tenor extensions, and the conversion of trade financing lines into temporary overdraft facilities.  In March 2024, the Mechanism announced a series of further measures to assist SMEs in obtaining financing from banks and to support their continuous development.

Information on SME lending products offered by the 11 participating banks in the Mechanism is set out below.  For the latest information and enquiries, please visit the banks’ websites or call their dedicated hotlines for SME lending.

Authorized Institution Working capital loans / overdrafts Trade financing Instalment loans / property loans Other lending products

Bank of China (Hong Kong) Limited

Dedicated web page:
www.bochk.com/dam/smeinone/en.html

Dedicated hotline:
(852) 3988 2288

  • Accounts receivable financing
  • Asset-Pledge Loan
  • BOC "Small Business Loan" Unsecured Loan
  • Overdraft
  • Revolving loan
  • Trade finance import services
    - Open Documentary Credit (L/C), Import Bills
  • Trade finance export services
    - Export Bills, Transfer of Documentary Credits
  • Supply Chain Finance Solution
  • Mortgage loan
  • BOCHK Bill Merchant Loan
  • New Data-Oriented Financing Scheme
  • SME Financing Guarantee Scheme (SFGS 80%/90%)
  • Dedicated 100% Loan Guarantee Scheme (DLGS)
  • Innovation & Technology and Talent Financing Incentive Scheme
  • Premium financing

The Bank of East Asia, Limited

Dedicated web page:
www.hkbea.com/html/en/bea-corporate-banking-sme-financing.html

Dedicated hotline for BEA EEF and DLGS products:
(852) 3608 1220

Dedicated hotline for other SME banking facilities:
(852) 2211 1338

  • Overdraft
  • Revolving loan
  • Trade finance
  • BEA Enterprise Easy Fund (EEF) - Secured Loan
  • BEA Enterprise Easy Fund (EEF) - Card Merchant Loan
  • BEA Enterprise Easy Fund (EEF) - Trader Loan
  • Mortgage loan
  • Hire purchase
  • Dedicated 100% Loan Guarantee Scheme (DLGS)
  • SME Financing Guarantee Scheme (SFGS 80%/90%)

China Construction Bank (Asia) Corporation Limited

Dedicated web page:
www.asia.ccb.com/hongkong/commercial

Dedicated hotline:
(852) 3718 3324

  • Overdraft
  • Revolving loan
  • Trade finance
  • Term loan
  • Profit tax loan
  • SME Financing Guarantee Scheme (SFGS 80%/90%)

Citibank, N.A.

Dedicated web page:
www.citibank.com.hk/english/citibusiness/citi-commercial-bank

Dedicated hotline:
(852) 2957 7777

  • Overdraft
  • Revolving loan
  • Trade finance
  • Mortgage loan
  • Term loan
  • SME Financing Guarantee Scheme (SFGS)

Dah Sing Bank, Limited

Dedicated web page:
www.dahsing.com/html/en/business_banking

Dedicated hotline:
(852) 2507 6288

  • Factoring service
  • Merchant Receivables Loan
  • Overdraft
  • Revolving loan
  • Advance against Receivables
  • Import LC
  • Import Documentary Collection
  • Invoice Financing
  • Export LC Negotiation
  • Packing Credit
  • Purchase of Export DP / DA bills
  • Shipping Guarantee
  • Trust Receipt Loan
  • 328 SME Express Money Instalment Loan
  • Mortgage loan
  • Term loan
  • Corporate credit card
  • Investment Loan
  • Premium financing
  • SME Financing Guarantee Scheme (SFGS 80%/90%)

DBS Bank (Hong Kong) Limited

Dedicated web page:
www.dbs.com.hk/sme

Dedicated hotline:
(852) 2290 8123

  • SME Business Instalment Loan
  • Overdraft
  • Revolving term loan
  • Account Receivables Purchase
  • Purchase Invoice Financing
  • Sales Invoice Financing
  • Other trade financing includes Import Services, Export Services and Letter of Guarantee / Standby Documentary Credit
  • Property loan
  • Equipment financing
  • Vehicle financing
  • Alternative lending trade finance
  • Corporate tax loan
  • SME Financing Guarantee Scheme (SFGS 80%/90%)
  • Dedicated 100% Loan Guarantee Scheme (DLGS)
  • Business card

Hang Seng Bank, Limited

Dedicated web page:
www.hangseng.com/en-hk/business/scale-your-business/lending-business-loan

Dedicated hotline:
(852) 2198 8033

  • Hang Seng Business Loan (overdraft)
  • Revolving loan
  • Trade finance
  • Hang Seng Business Loan (unsecured instalment loan)
  • Property mortgage loan
  • Commercial loan
  • SME Financing Guarantee Scheme (SFGS 80%/90%)
  • InnoBooster Loan
  • Hire purchase loan
  • SME Green Loan
  • Social loan

The Hongkong and Shanghai Banking Corporation Limited

Dedicated web page:
www.business.hsbc.com.hk

Dedicated hotline:
(852) 2748 8278

Dedicated hotline for Commercial Banking application:
(852) 2748 8238
(For SME lending: option 5 after language selection)

  • Overdraft
  • Revolving loan
  • Secured credit
  • Import Documentary Credit
  • Shipping Guarantee
  • Export Bill Negotiation
  • Financing under Export Documentary Collections
  • Guarantee
  • Buyer Loan (pre-shipment / post shipment)
  • Seller Loan (pre-shipment / post shipment)
  • Receivable Finance
  • HSBC TradePay
  • Merchant Financing Programme
  • Business Instalment Loan
  • InnoTech Business Instalment Loan
  • Mortgage loan
  • Leasing, equipment finance or hire purchase loan
  • Premium financing
  • Profits Tax Loan
  • SME Financing Guarantee Scheme (SFGS 80%/90%)
  • Corporate credit card

Industrial and Commercial Bank of China (Asia) Limited

Dedicated web page:
www.icbcasia.com/hk/en/commercial/sme-financing/default.html

Dedicated hotline:
(852) 2189 5588

  • Overdraft
  • Revolving loan
  • Trade finance
 
  • Payment and settlement loan (overdraft / instalment loan)
  • Innovation and technology financing (overdraft / instalment loan)
  • SME Financing Guarantee Scheme (SFGS 80%/90%)

OCBC Bank (Hong Kong) Limited

Dedicated web page:
www.ocbc.com.hk/business-banking/en

Dedicated hotline:
(852) 2633 0628

  • Overdraft
  • Revolving loan
  • Trade finance (import/ export)
  • Mortgage loan
  • Corporate credit card
  • Dedicated 100% Loan Guarantee Scheme (DLGS)
  • SME Financing Guarantee Scheme (SFGS 80%/90%)

Standard Chartered Bank (Hong Kong) Limited

Dedicated web page:
www.sc.com/hk/business

Dedicated hotline:
(852) 3843 5555

  • Overdraft
  • Revolving loan
  • Trade finance
  • Business Instalment Loan
  • Business mortgage
  • E-commerce financing program
  • SME Financing Guarantee Scheme (SFGS 80%/90%)

 

Information on SME lending products offered by other Authorized Institutions (AIs) is set out below. For the latest information and enquiries, please visit the AIs’ websites or call their dedicated hotlines for SME lending.

Authorized Institution Working capital loans / overdrafts Trade financing Instalment loans / property loans Other lending products

Ant Bank (Hong Kong) Limited

Dedicated web page:
www.antbank.hk/SME-product?lang=en_us&

Dedicated hotline:
(852) 2325 0303

  • SME loan
     

China CITIC Bank International Limited

Dedicated web page:
www.cncbinternational.com/sme/business-financing/en/index.jsp

Dedicated hotline:
(852) 2287 6868

  • Overdraft
  • Revolving loan
  • Trade finance
  • Mortgage loan
  • Term loan
  • SME Financing Guarantee Scheme (SFGS 80%/90%)
  • Dedicated 100% Loan Guarantee Scheme (DLGS)
  • Wealth Management Facility
  • Life Insurance Policy Financing Facility

Chiyu Banking Corporation Limited

Dedicated web page:
www.chiyubank.com/chiyu/en_corporate_banking1_1.htm

Dedicated hotline:
(852) 3982 9768

  • Overdraft
  • Revolving loan
  • Trade finance
  • Commercial mortgage loan
  • Term loan
  • SME Financing Guarantee Scheme (SFGS 80%/90%)
  • Corporate tax loan
  • Corporate premium financing
  • Machinery & equipment financing

Chong Hing Bank Limited

Dedicated web page:
www.chbank.com/en/commercial/banking-services/loans/smes-lending-service/index.shtml

Dedicated hotline:
(852) 3768 0222

  • Overdraft
  • Revolving term loan
  • Import Documentary L/C
  • Import Finance
  • Import Collection
  • Shipping Guarantee
  • Import Loan for Open Account Trading
  • Transfer L/C
  • Export Collection
  • Purchase of Export D/P or D/A Documents
  • Negotiation of Export Bill under L/C
  • Packing Loan
  • Invoice Discounting for Open Account Trading
  • Factoring
  • Property mortgage
  • Term loan / instalment loan
  • Simplified Secured Loan
  • SME Financing Guarantee Scheme (SFGS 80%/90%)

CMB Wing Lung Bank Limited

Dedicated web page:
www.cmbwinglungbank.com/wlb_corporate/en/commercial/loan/sme-loan.html

Dedicated hotline:
(852) 2826 8307

  • Overdraft
  • Revolving loan
  • Trade finance
  • Term loan
  • Instalment loan
  • SME Financing Guarantee Scheme (SFGS)
  • Project finance

Fubon Bank (Hong Kong) Limited

Dedicated web page:
www.fubonbank.com.hk/en/corporate-banking/sme.html

Dedicated hotline:
(852) 3767 6833

  • Overdraft
  • Revolving loan
  • Trade finance
  • Factoring
  • Mortgage loan
  • Term loan
  • Equipment finance
  • SME Financing Guarantee Scheme (SFGS 80%/90%)

Livi Bank Limited

Dedicated web page:
www.livibank.com/business/Business-Instalment-Loan.html

Dedicated hotline:
(852) 2929 2998

   
  • livi Business Instalment Loan
  • livi Business Instalment Loan (SFGS 80%/90%)

Nanyang Commercial Bank, Limited

Dedicated web page:
www.ncb.com.hk/nanyang_bank/eng/html/12203.html

Dedicated hotline:
(852) 2622 2633

  • NCB unsecured “Small Business Loan”
  • Overdraft
  • Revolving loan
  • Medium and Long-term Financing
  • Import and Export Services and Financing
  • Property mortgage loans
  • NCB Profits Tax Loan
  • SME Financing Guarantee Scheme (SFGS)

PAO Bank Limited

Dedicated web page:
www.paob.com.hk/en/sme-banking-services.html

Dedicated hotline:
(852) 3762 9931

  • Business Revolving Loan
  • Business Short-term Loan
  • eFast Loan
  • Trade-Connect Loan
  • Business Instalment Loan
  • SME Financing Guarantee Scheme (SFGS 80%/90%)

Public Bank (Hong Kong) Limited

Dedicated web page:
www.publicbank.com.hk/en/commercialbanking

Dedicated hotline for Vehicle Financing:
(852) 2541 9221

Dedicated hotline for other SME banking facilities:
(852) 2853 4604

  • Overdraft
  • Revolving loan
  • Stocking loan
  • Trade finance
  • Mortgage loan
  • Term loan
  • Commercial vehicle financing
  • Taxi / Public Light Bus financing
  • Corporate tax loan
  • SME Financing Guarantee Scheme (SFGS 80%/90%)

Public Finance Limited

Dedicated web page:
www.publicfinance.com.hk/en/products_detail.aspx?cid=7&pid=6

Dedicated hotline:
(852) 2526 6490

     
  • Hire purchase / leasing

Shanghai Commercial Bank Limited

Dedicated web page:
www.shacombank.com.hk/eng/commercial/finance/finance.jsp

Dedicated hotline:
(852) 2921 2060

  • Overdrafts
  • Construction loans
  • Purchase Order Finance
  • Letter of Bank Guarantees
  • Revolving loans
  • Bill Services
  • Invoice Discounting / Receivable Financing
  • ECIC Supported Export Finance for SMEs
  • Mortgage loans
  • Instalment loans
  • Term loans / foreign currency loans
  • Syndicated loans
  • Shares overdrafts facility
  • RMB trade settlement
  • Corporate tax loans
  • SME Financing Guarantee Scheme (SFGS 80%/90%)
  • Dedicated 100% Loan Guarantee Scheme (DLGS)

Tai Sang Bank Limited

Dedicated hotline:
(852) 2853 0829 /
(852) 2853 0833

  • Overdraft
  • Secured credit
  • Trade finance
  • Mortgage loan
 

ZA Bank Limited

Dedicated web page:
https://bank.za.group/en/business

Dedicated hotline:
(852) 3665 3665

  • Revolving loan
 
  • Small Business Loan
  • Mortgage loan
  • SME Financing Guarantee Scheme (SFGS 80%/90%)
  • Global Payment x ZA Commercial Loan

Should you have any enquiries or comments about SME lending services, please contact the HKMA:

Hotline:           (852) 2878 1199
Email:              smelending@hkma.gov.hk

Last revision date : 26 June 2024