SME Loan Multiple Reward Offers Enjoy
50 Basis Points
Annualised Interest
Rate Discount
(Provide Open API authorisation)
BOCHK is actively advancing financial technology innovations, providing a range of corporate loan options for SMEs. Time limited multiple rewards are introduced to offer timely loan support for customers who need quick capital turnover.
Time limited multiple rewards1
Apply SME loan via BOCHK online channel, enjoy 25 Basis Points Annualised Interest Rate Discount
Apply BOC "Small Business Loan" Unsecured Loan, enjoy 25 Basis Points Annualised Interest Rate Discount
Apply BOC "Small Business Loan" Unsecured Loan via BOCHK online channel, enjoy up to 50 Basis Points Annualised Interest Rate Discount（Offer 1 + Offer 2）!
Create Open API consent and successfully submit corporate loan application and physical bank statements, enjoy HK$388 Cash Rebate
The Hong Kong Monetary Authority (HKMA) Interbank Account Data Sharing (IADS) initiative allows the sharing of your deposit account data, with your consent, between the participating banks using Open API. Open Application Programming Interface (Open API) allows secure and efficient data communication between BOCHK and our trusted Third-party Service Providers (including IADS participating banks).
Steps of granting Open API authorisation: Log in to BOCHK Corporate Internet Banking iGTB NET 
Click “Setting” button (Gear icon) Click “Open API Authorisation Setting” and complete the authorisation process according to the instructions
Use Case
Corporate customer applies SFGS 80% Guarantee Product via BOCHK online channel, with loan amount HK$2 million and loan tenor 3 years, with standard loan interest rate at HKD PRIME Rate.
Without Discount Offer:
Monthly Repayment Amount: approx. HK$60,200
Total Interest Payment: approx. HK$166,000
Total Interest Payment: approx. HK$158,000
Total Interest
Saved in 3 Years:
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
Corporate customer applies BOC "Small Business Loan" Unsecured Loan via BOCHK online channel, with loan amount HK$2 million and loan tenor 3 years, with standard loan interest rate at HKD PRIME Rate.
Without Discount Offer:
Monthly Repayment Amount: approx. HK$60,200
Total Interest Payment: approx. HK$166,000
25 Basis Points Annualised Interest Rate Discount
+
Apply online：
25 Basis Points Annualised Interest Rate Discount
= Total
Amount: approx. HK$59,700
Total Interest
Payment: approx. HK$150,000
Total Interest
Saved in 3 Years:
HK$16,000
-
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
Business Loan" Unsecured Loan
up to
HK$2 Million
- Provision of collaterals and audited financial statements is not required^
- Capital in hand within 48 hours*
Merchant
Loan Program
up to
HK$4 Million
- By utilising BoC Bill transaction data, provision of bank statements2, audited financial statements and collaterals is not required
Guarantee
Products
up to
HK$18 million3
- Loan tenor up to 10 years3
- Guarantee fee rebate up to HK$100,0004
- Loan application fee waiver4
^ 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.
Apply for
Small Business Loan Online
in 3 Simple Steps
# You may consider uploading relevant documents in advance, so that our Relationship Manager could follow up the information before contacting you.
Corporate Customer Service Hotline:
+852 3988 2288
Reminder: To borrow or not to borrow?
Borrow only if you can repay!
- Terms and conditions for Annualised Interest Rate Discount for Corporate Loan via Online Application, BOC "Small Business Loan" Unsecured Instalment Loan Annualised Interest Rate Discount & Additional Cash Rebate for Open API User
- Corporate customer shall meet the following criteria to be eligible for the privileges:
Annualised Interest Rate Discount for Corporate Loan via Online Application BOC "Small Business Loan" Unsecured Instalment Loan Annualised Interest Rate Discount Additional Cash Rebate for Open API User Promotion Period From 1 January 2025 to 30 June 2025 (both dates inclusive) From 1 April 2025 to 30 June 2025 (both dates inclusive) Promotion Offer Standard Loan Interest Rate minus 25 Basis Points Standard Loan Interest Rate minus 25 Basis Points HK$388 Cash Rebate Loan Types Successful application of BOC "Small Business Loan" Unsecured Instalment Loan or SFGS 80%/90% Guarantee Products during promotion period Successful application of BOC "Small Business Loan" Instalment Loan during promotion period Successful application of instalment loan (except Mortgage Loan) during promotion period Application Channel By BOCHK online channels Any channels Any channels **Additional Requirement** Not Applicable Not Applicable Create Open API consent via iGTB NET (Authorisation > Select “Credit Application and Underwriting” under API Service) before credit approval and provide physical bank statements - Eligible customer can enjoy the above Annualised Interest Rate Discount(s) and/or Additional Cash Rebate offer, the standard loan interest rate will be determined based on customer’s respective financial situation, and the final rate would be subjected to the Bank’s final determination.
- The Addition Cash Rebate offer is valid for applications received on or before 30 June 2025. The above cash rebate reward offer will be directly credited to the BOC repayment account of the Eligible Customers on or before 31 October 2025 without prior notice.
- Each eligible customer can enjoy each of the above promotion offer once during the promotion period, redemption records are subject to the records of BOCHK. In case of repeated application for collection or any fraudulent activities involved in the collection of Annualised Interest Rate Discount offer and/or Additional Cash Rebate offer for these promotions, BOCHK reserves the right to terminate the eligibility for awards and reserves the right to receive an amount equal to the total value of the Annualised Interest Rate Discount offer and/or Additional Cash Rebate offer already obtained.
- The quotas are limited and available on a first-come-first-serve basis while quotas are full.
- BOCHK reserves the rights to suspend, amend or terminate the above promotion offers and to amend the relevant terms at any time at its sole discretion without prior notice.
- Above promotion offer is not applicable for cases conducted by Commercial Centre.
- The above information is for reference only. In case of any dispute, the decision of BOCHK shall be final.
- Corporate customer shall meet the following criteria to be eligible for the privileges:
- Applicable for overdraft application only.
- 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).
- This offer is valid for applications received on or before 31 March 2026 and completed drawdown on or before 31 May 2026.
- The above services and offers are subject to the relevant terms and conditions.
- Each customer must fulfill the requirements of BOCHK. Approval of the loan amount, repayment tenor and interest rate are all subject to the final decision of BOCHK without providing any reason.
- The above information is for reference only. In case of any dispute, the decision of BOCHK shall be final. BOCHK may in its absolute discretion to reject loan application without assigning any reason. Loan shall be subject to the terms and conditions set out in the facility documents.
- Should there be any discrepancy between the English and Chinese versions of this promotion material, the Chinese version shall prevail.
- In case of any dispute, BOCHK reserves the right of final decision.
- BOCHK reserves the right to amend, suspend or cancel the above products, services or offers and revise the relevant terms at any time.
- The above products, services and offers are only applicable to corporate customers.
- The above products, services and offers are subject to relevant terms and conditions. For details, please refer to relevant promotion materials or contact BOCHK staff.
- The quotas are limited, available on a first-come-first-serve basis while quotas are full.
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