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Corporate Loans
Flexible SME loans for faster financing needs
SME Loan Double Rewards Enjoys Up to
HK$3,888 Cash Rebate and 25 Basis Points
Annualised Interest Rate Discount
HK$3,888 Cash Rebate and 25 Basis Points
Annualised Interest Rate Discount
Business Banking
Full spectrum of Digital Banking Services
For Various Stages of Business Development
For Various Stages of Business Development
Welcome offer
upon successful SME application of
Business Integrated Account
upon successful SME application of
Business Integrated Account
SME Loan Double Rewards Enjoys Up to HK$3,888 Cash Rebate and 25 Basis Points Annualised Interest Rate Discount*
* Promotion period: From now until 30 June 2026. Terms and Conditions apply.
SME Loan Double Rewards Enjoys Up to HK$3,888 Cash Rebate and 25 Basis Points Annualised Interest Rate Discount*
* Promotion period: From now until 30 June 2026. Terms and Conditions apply.
Array of loan plans catering to different business needs
Loan Amount and Repayment Period at a Glance
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Years of Business Operation
2 years or above
One Year or Above
Maximum Loan Amount
HK$2 million
HK$18 million
Maximum Repayment Period
5 years
10 Years
Offers/Features
• Provision of collaterals and audited financial statements is not required1
• Capital in hand within 48 hours2
• Capital in hand within 48 hours2
• Guarantee fee rebate up to HK$100,0004
• Loan application fee waiver5
• Loan application fee waiver5
- The Bank reserves the right to request any relevant supporting documents/information from the customer.
- Starting from the date when the Bank receives all the required documents for the loan application (excluding Saturdays, Sundays and Public Holidays), the processing time may vary depending on the actual circumstances.
- For details of the "SME Financing Guarantee Scheme", please visit the website of the Hong Kong Mortgage Corporation Limited (“HKMC”) at www.hkmc.com.hk or contact Bank of China (Hong Kong) Limited (BOCHK). The application period of the 80% Guarantee Product is subject to HKMC’s announcements from time to time.
- Guarantee fee will be approved and determined by HKMC Insurance Limited (“HKMCI”) and is subject to the announcement made by the HKMCI.
- This offer is valid for applications received on or before 31 March 2027 and completed drawdown on or before 31 May 2027.
- Anyone is/are entitled to request for a credit report from all credit reference agencies in Hong Kong approved for participation in the Multiple Credit Reference Agencies Model without charge within any twelve-month period respectively to each selected credit reference agency.
The above products, services and promotional offers are subject to the relevant terms and conditions of BOCHK. For more details, please contact BOCHK's staff. BOCHK reserves the right to amend, suspend or terminate the above products, services and offers, and amend their relevant terms and conditions at any time at its absolute discretion without prior notice. In case of any dispute, the decision of BOCHK shall be final.
BOCHK reserves the right to approve and reject the loan application at its absolute discretion. The actual loan amount, interest rate, handling fee and applicable terms and conditions are subject to BOCHK's final approval.
In case of any discrepancy between the Chinese and English versions, the Chinese version shall prevail.
Apply “80% Guarantee Product” instalment loan via BOCHK online channel.
With Discount Offer
Standard Rate
Hong Kong Dollar Prime Rate
Loan Amount
HK$2,000,000
Loan Tenor
3 Years
“80% Guarantee Product” Instalment Loan Cash Rebate
HK$3,888 Cash Rebate
SME Loan Online Application
Interest Rate Discount
25 Basis Points Annualised
Interest Rate Discount
Total Interest Saved in 3 Years
approx. HK$8,000
Apply to 1-month HIBOR-based SME Loan and Prime Rate-based SME Loan.
- Above for reference only, PRIME-RATE is assumed to be 5%.
- The standard rate will be determined based on customer’s respective financial situation, the final approved rate would be subjected to the Bank's final determination.
Loan Calculator
Customize Your Loan Plan
Customize Your Loan Plan
10,000.00
4,000,000.00
3%
30%
If the Repayment Period is shorter than 1 year, it shall be treated as 1 full year.
Your Custom Loan Plan*
Monthly repayment amount (HK$)
86,066.43
Total repayment amount (HK$) 1,032,797.16
*The calculation is for reference only
Make an online appointment for a corporate loan application in 3 simple steps
1
Complete company information
2
Upload documents#
3
Our Relationship Manager will follow up with applications
#You may consider uploading relevant documents in advance, so that our Relationship Manager could follow up the information before contacting you.
1
Complete company information
2
Upload documents#
3
Our Relationship Manager will follow up with applications
#You may consider uploading relevant documents in advance, so that our Relationship Manager could follow up the information before contacting you.
Other loan plans to match SME business needs
Followed up by Relationship Manager
Online appointment for other Loan ApplicationNot applicable to SME Financing Guarantee Scheme, BOCHK Bill Merchant Loan Program and BOC "Small Business Loan" Unsecured Loan
Online appointment for other Loan ApplicationNot applicable to SME Financing Guarantee Scheme, BOCHK Bill Merchant Loan Program and BOC "Small Business Loan" Unsecured Loan
Flexible Loan Customer Cases
SME Financing Guarantee Scheme
Flexible financing is vital for business development
“Over the past few years, our company has been expanding our business into the GBA and building a new factory. We are fortunate to have BOCHK as our trusted banking partner to support our funding needs.”
KOLN 3D Founder Mr. Edmond Yau
Overcoming business challenges with our trusted banking partner
“The engineering business was severely hit by emergency situation over the past few years. BOCHK has supported us along the way in devising strategy for a more sustainable development. With collaborative efforts, we overcame the adversities with success.”
Golden Leaf Founder & Chief Executive Director Mr. Kenny Ip
Flexible Loan Customer Cases
SME Financing Guarantee Scheme
Flexible financing is vital for business development
“Over the past few years, our company has been expanding our business into the GBA and building a new factory. We are fortunate to have BOCHK as our trusted banking partner to support our funding needs.”
KOLN 3D Founder Mr. Edmond Yau
Overcoming business challenges with our trusted banking partner
“The engineering business was severely hit by emergency situation over the past few years. BOCHK has supported us along the way in devising strategy for a more sustainable development. With collaborative efforts, we overcame the adversities with success.”
Golden Leaf Founder & Chief Executive Director Mr. Kenny Ip
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Open account in 3 steps anytime anywhere
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Offer SME full protection so you can focus on expanding your business hassle free
BoC Bill Integrated Billing Service
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iGTB NET Corporate Internet Banking
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Open account in 3 steps anytime anywhere
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Offer SME full protection so you can focus on expanding your business hassle free
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Useful Information
Reminder : To borrow or not to borrow? Borrow only if you can repay!
The above products, services and offers are subject to terms and conditions.
Corporate Banking
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ALL RIGHTS RESERVED.
SME Loan Double Rewards Enjoys Up to HK$3,888 Cash Rebate
and 25 Basis Points Annualised Interest Rate Discount
and 25 Basis Points Annualised Interest Rate Discount