Corporate Loans Service - SME in One

Corporate Loans

Flexible SME loans for faster financing needs

Up to 50 Basis Points
Annualised Interest Rate
Discount upon online application

Business Integrated Account Loan Services Day-to-day Banking Digital Banking Asset Protection Cross-border Finance

Corporate Loan Multiple Reward Offers
Enjoy Up to 50 Basis Points Annualised Interest Rate Discount & HK$388 Cash Cash Rebate*

*Promotion Period: From now until 30 June 2025, Terms and Conditions apply

Learn More

Corporate Loan Multiple Reward Offers
Enjoy Up to 50 Basis Points Annualised Interest Rate Discount & HK$388 Cash Cash Rebate*

*Promotion Period: From now until 30 June 2025, Terms and Conditions apply

Learn More

Array of loan plans catering to different business needs

Loan Amount and Repayment Period at a Glance

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BOC "Small Business Loan" Unsecured Loan

BOCHK Bill Merchant Loan Program

SME Financing Guarantee Scheme⁴

80% Guarantee Product

90% Guarantee Product

Years of Business Operation

2 years or above

BoC Bill Merchant with at least 6 months

One Year or Above

Not Applicable

Maximum Loan Amount

HK$2 million

HK$4 million

HK$18 million⁵

HK$8 million⁵

Maximum Repayment Period

5 years

Not applicable to overdraft product

10 Years⁵

8 Years⁵

Offers/Features

• Provision of collaterals and audited financial statements is not required¹
• Capital in hand within 48 hours²

• By utilising BoC Bill transaction data, provision of bank statements³, audited financial statements and collaterals is not required

• Guarantee fee rebate up to HK$100,000^6,7
• Loan application fee waiver⁷

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.
Applicable for overdraft application only.
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).
This offer is valid for applications of SFGS 80%/90% guarantee products submitted on or before 31 March 2026 (based on the date of internal credit initiation).
Guarantee fee will be approved and determined by the HKMCI and is subject to the announcement made by the HKMCI.
This offer is valid for applications received on or before 31 March 2026 and completed drawdown on or before 31 May 2026.

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.

Corporate customer applies BOC "Small Business Loan" Unsecured Loan via BOCHK online channel

Without
Discount Offer

With
Discount Offer

Standard Rate

Hong Kong Dollar Prime Rate

Loan Amount

HK$2,000,000

Loan Tenor

3 Years

Annualised Interest Rate Discount

N/A

Apply BOC "Small Business Loan" Unsecured Loan

25 Basis Points Annualised Interest Rate Discount
+

Apply online

25 Basis Points Annualised Interest Rate Discount

= Total 50 Basis Points

Monthly Repayment Amount

Approx. HK$60,200

Approx. HK$59,700

Total Interest Payment

Approx. HK$166,000

Approx. HK$150,000

Interest Rate Discount

N/A

3 yearsApprox. HK$16,000

Corporate customer applies SME Financing Guarantee Scheme 90% Guarantee Product via BOCHK online channel

Without
Discount Offer

With
Discount Offer

Standard Rate

Hong Kong Dollar Prime Rate

Loan Amount

HK$2,000,000

Loan Tenor

3 Years

Annualised Interest Rate Discount

N/A

Apply online

25 Basis Points Annualised Interest Rate Discount

Monthly Repayment Amount

Approx. HK$60,200

Approx. HK$59,900

Total Interest Payment

Approx. HK$166,000

Approx. HK$158,000

Interest Rate Discount

N/A

3 yearsApprox. HK$8,000

Hong Kong Dollar Prime Rate: 5.25%
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

Loan Plan

Repayment Period

Loan Amount (HK$)

10,000.00

4,000,000.00

Annual Interest Rate

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

Apply Now

^*The calculation is for reference only

Make an online appointment for a corporate loan application in 3 simple steps

Complete company information

Upload documents^#

Our Relationship Manager will follow up with applications

Apply Now

^#You may consider uploading relevant documents in advance, so that our Relationship Manager could follow up the information before contacting you.

Complete company information

Apply Now

^#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

Asset-Pledge Loan

Loan amount up to 100% of the market value of pledged assets

Machinery and Equipment Financing

Financing percentage up to 90% of equipment cost, flexible repayment period of up to 5 years

Trade Finance and Services

With an dedicated team of trade services professionals, we provide you with a variety of trade finance services

Overdraft and Accounts Receivable Financing

Enhance short-term cash flow with our pre-arranged overdraft and accounts receivable financing facilities

Mortgage Loan

An array of mortgage loan plans to match your needs

Trade Finance and Services

With an dedicated team of trade services professionals, we provide you with a variety of trade finance services

Online appointment for other Loan ApplicationNot applicable to SME Financing Guarantee Scheme, BOCHK Bill Merchant Loan Program and BOC "Small Business Loan" Unsecured Loan

Book Appointment Now

Online appointment for other Loan ApplicationNot applicable to SME Financing Guarantee Scheme, BOCHK Bill Merchant Loan Program and BOC "Small Business Loan" Unsecured Loan

Book Appointment Now

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

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