Business Expansion
We, with our professional credit team, provide a wide range of financing services for SME businesses. Regardless of cash turnaround or business expansion, we can offer you the most suitable financing solution to help you face your business challenges.
Loan Solutions
As your committed business partner, we fully understand you need timely funds to support your business development. Therefore, we offer you loan solutions to equip you with a range of loan services. What’s more, a comprehensive insurance solutions and commercial card service will be provided to assist you in growing your business without hassle.
BOC "Small Business Loan"
The BOC "Small Business Loan" gives SME business customers a preferential interest rate with repayment period of up to 60 months without any collateral requirement. Companies which have been established for 6 months are eligible to apply. Choices of instalment loan and a revolving loan (or a combination of both) are provided.
Asset-Pledge Loan
Asset-Pledge Loan offers a flexible solution which accepts various collaterals and offers a loan of up to 100% of the market value of the pledged assets.
SME Financing Guarantee Scheme
BOCHK supports the "SME Financing Guarantee Scheme" (SFGS) launched by The Hong Kong Mortgage Corporation Limited. We are pleased to offer flexible lending solution to meet your financing needs.
SME Loan Guarantee Scheme
BOCHK supports of the SME Loan Guarantee Scheme (SGS) by HKSAR Government. BOCHK is pleased to offer flexible lending solutions. The maximum loan amount is up to HK$12 million with preferential interest rate and speedy approval to meet your financial needs.
Supporting Services
BOC Business Comprehensive Insurance Plan
We offer a comprehensive coverage from various risks to enable you to focus on business development. We will develop a comprehensive business protection solution that covers statutory employee insurance, liability insurance, property insurance, commercial debt protection and employee retention protection to help you manage your business with ease. This policy provides 6 basic areas of insurance coverage for offices and shops, including "Property and Equipment", "Business Interruption", "Loss of Money", "Personal Accident", "Public Liability" and "Fidelity Guarantee". In addition, optional coverage such as "Employees' Compensation", "Buildings (Fire)" and "Stock", etc. are also available based on individual customer's business needs.
BOC CUP Dual Currency Commercial Card
A BOC CUP Dual Currency Commercial Card maximizes your exchange expense savings in everyday transactions. Permanent annual fee waiver and outside Hong Kong handling fee waiver are provided. You can also enjoy 2x Reward Gift Points for retail purchases.
Other Financing Solutions
Please click here to learn more.
Reminder: To borrow or not to borrow? Borrow only if you can repay!
Trade Finance
A combined Trade Facility that offers as much as 10 types of trade products to select from:
Import |
Export |
|---|---|
| L/C Issuance | Export Bills for Collection D/A |
| Trust Receipt Facilities | Export Bills for Collection D/P |
| Import Loan | Negotiation / Discount of Export Bills Under L/C |
| Import Invoice Financing | Packing Loan |
| Pre-Shipment Financing | |
| Export Invoice Discounting |
Terms and Conditions:
- This Plan is underwritten by Bank of China Group Insurance Company Limited ("BOCG Insurance").
- Bank of China (Hong Kong) Limited (“BOCHK”) is an appointed insurance agent of BOCG Insurance for distribution of this Plan. This Plan is a product of BOCG Insurance but not BOCHK.
- In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BOCHK and the customer out of the selling process or processing of the related transaction, BOCHK is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of this Plan should be resolved between directly BOCG Insurance and the customer.
- BOCG Insurance is authorized and regulated by Office of the Commissioner of Insurance to carry on general insurance business in the Hong Kong Special Administrative Region of the People's Republic of China.
- BOCG Insurance reserves the right to accept or decline any application for the Plan based on the information provided by the insured and applicant at the time of application.
- BOCG Insurance reserves the right to amend or withhold any terms and conditions without prior notice.
- The plan is governed by the terms and conditions in the relevant policy document. Detailed terms and conditions are subject to the official policy document issued by BOCG Insurance. Please refer to the relevant policy document for the details of the insured items and coverage, provisions and exclusions.
General Terms:
- The above products and services are subject to the relevant terms. For details, please refer to the relevant promotion materials or contact the staff of BOCHK.
- BOCHK, BOCG Insurance and BOC Credit Card (International) Ltd reserve the right to amend, suspend and terminate the above products and services and to amend the relevant terms at any time at its sole discretion without prior notice.
- In case of any dispute, the decision of BOCHK shall be final.
- In case of any discrepancy between the Chinese and English versions of the promotion material, the Chinese version shall prevail.
