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Corporate Loans
Flexible SME loans for faster financing needs
Up to 50 Basis Points
Annualised Interest Rate
Discount upon online application
Annualised Interest Rate
Discount upon online application
Business Banking
Full spectrum of Digital Banking Services
For Various Stages of Business Development
For Various Stages of Business Development
Over HK$10,800 welcome offer
upon successful SME application of
Business Integrated Account
upon successful SME application of
Business Integrated Account
Corporate Loan Multiple Reward Offers
Enjoy Up to 50 Basis Points Annualised Interest Rate Discount & HK$888 Cash Cash Rebate*
Enjoy Up to 50 Basis Points Annualised Interest Rate Discount & HK$888 Cash Cash Rebate*
*Promotion Period: From now until 31 March 2025, Terms and Conditions apply
Corporate Loan Multiple Reward Offers
Enjoy Up to 50 Basis Points Annualised Interest Rate Discount & HK$888 Cash Cash Rebate*
Enjoy Up to 50 Basis Points Annualised Interest Rate Discount & HK$888 Cash Cash Rebate*
*Promotion Period: From now until 31 March 2025, Terms and Conditions apply
Array of loan plans catering to different business needs
Loan Amount and Repayment Period at a Glance
Scroll to view content
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
• 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$100,0006,7
• Loan application fee waiver7
• Loan application fee waiver7
• Guarantee fee rebate up to HK$100,0006,7
• Loan application fee waiver7
• 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 2025 and completed drawdown on or before 31 May 2025.
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
Discount Offer
With
Discount Offer
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
= 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
Discount Offer
With
Discount Offer
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$8,000
Hong Kong Dollar Prime Rate: 5.25%
The standard rate will be determined based on customer’s respective financial situation, the final approved rate would be subjected to the Bank's final determination
The standard rate will be determined based on customer’s respective financial situation, the final approved rate would be subjected to the Bank's final determination
Loan Calculator
Customize Your Loan Plan
Customize Your Loan Plan
10,000.00
4,000,000.00
3%
30%
If the Repayment Period is shorter than 1 year, it shall be treated as 1 full year.
Your Custom Loan Plan*
Monthly repayment amount (HK$)
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
Related Products & Promotional Offers
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.
Corporate Loan Multiple Reward Offers Enjoy Up to
50 Basis Points Annualised Interest Rate Discount
50 Basis Points Annualised Interest Rate Discount