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 11 retail banks in Hong Kong is set out below. For the latest information and enquiries, please visit the banks’ websites or call their dedicated hotlines for SME lending.

Bank	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	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	Corporate tax loan SME Financing Guarantee Scheme (SFGS 80%/90%) Dedicated 100% Loan Guarantee Scheme (valid until end of March 2024) 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%)

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

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

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Last revision date : 22 April 2024