apply

Loans for SMEs

man

Loans for SMEs

We provide flexible and easy-to-approve SME loans,
which are suitable for all industries and applications,
providing the most suitable financing solutions for SMEs' turnaround and expansion.

Loan-to-value ratio up to 90%
Daily calculation of interest, borrow and repay whenever you want
Spared credit limit and revolved credit facility for you
Exempt from income proof, credit report and financial statements
No upper limit of loan amount

*Remark: The actual loan amount, interest rate and other conditions are subject to the loan documents accepted and signed by the client. Hong Kong Finance Company Limited reserves the right to make the final decision in case of disputes.

Loan amount
$
Interest rate (per annum)
%
Repayment period (months)
months
Monthly installment 0

If the address search on the left does not return the required address, please contact us for property valuation via E-mail.

Case Sharing

happy girl

Coronavirus loans help SME overcome difficulties

Jason, who is engaged in the online sale of drones, has the main source of customers for its products in Europe and the United States. The recent epidemic accident has increased the desire for online shopping, and its business should have increased instead. However, it was unfortunately unable to ship smoothly due to the restrictions of logistics, which caused difficulties in operating fund. Many financial institutions also refused to grant loan for SME in doing online businesses. Fortunately, Hong Kong Finance’s approval process is more flexible, understanding each customer's needs in depth, and ultimately helping Jason to resolve temporary funding difficulties.

happy girl

SME loans provided opportunity of investment

Since the consumer market had been declined recently, Mr. Lee’s business in camera industry had also been affected. As some vendors wanted to sell a batch of new camera lens at a lower price, Mr. Lee planned to take this opportunity. He finally chose a SME loan from Hong Kong Finance for granting a huge amount of loan. Due to the financial stability of his business, Mr. Lee was quickly approved for the required amount and purchased new lens at a low price.

Jason, who is engaged in the online sale of drones, has the main source of customers for its products in Europe and the United States. The recent epidemic accident has increased the desire for online shopping, and its business should have increased instead. However, it was unfortunately unable to ship smoothly due to the restrictions of logistics, which caused difficulties in operating fund. Many financial institutions also refused to grant loan for SME in doing online businesses. Fortunately, Hong Kong Finance’s approval process is more flexible, understanding each customer's needs in depth, and ultimately helping Jason to resolve temporary funding difficulties.

Since the consumer market had been declined recently, Mr. Lee’s business in camera industry had also been affected. As some vendors wanted to sell a batch of new camera lens at a lower price, Mr. Lee planned to take this opportunity. He finally chose a SME loan from Hong Kong Finance for granting a huge amount of loan. Due to the financial stability of his business, Mr. Lee was quickly approved for the required amount and purchased new lens at a low price.

FAQ

Is it necessary to provide company financial reports for Loans for SMEs application?

Application for Hong Kong Finance’s Loans for SMEs does not require company financial reports. We will process each application according to the applicant's overall condition.

Is there any miscellaneous expenses such as handling fees and consultation fees for Loans for SMEs?

Hong Kong Finance is a law-abiding and formal listed company operated with openness and transparency. For the whole loan period, only loan interests will be collected, without handling, consultation and other miscellaneous fees.

Is there any minimum loan period for Loans for SMEs?

Loans for SMEs have no minimum loan period. Interest is calculated based on the actual number of days when loans are disbursed. There is no penalty for early repayment.

Do business types affect the approval results?

Loans for SMEs are not limited to business types or the length of business operation. Applications can be made as long as there is funding demand for the business.

How long does it usually take for approving Loans for SMEs?

The specific time for each application varies. Generally, initial approval result can be obtained within two working days after all required information is collected.

What is Principal Repayment Holiday Scheme and what are the benefits?

Targeting SME owners who often experience troubles in capital turnover, we specially offer the Principal Repayment Holiday Scheme where clients have an option to repay only monthly interest to reduce monthly repayment expenses.

Is there a loan amount ceiling for Loans for SMEs?

There is no loan amount ceiling. It depends on the conditions of each applicant.

Is there any limit to the applicant's age?

Applicants aged 18 or above can apply. No limit.

Is it necessary to provide company financial reports for Loans for SMEs application?

Application for Hong Kong Finance’s Loans for SMEs does not require company financial reports. We will process each application according to the applicant's overall condition.

How long does it usually take for approving Loans for SMEs?

The specific time for each application varies. Generally, initial approval result can be obtained within two working days after all required information is collected.

Is there any miscellaneous expenses such as handling fees and consultation fees for Loans for SMEs?

Hong Kong Finance is a law-abiding and formal listed company operated with openness and transparency. For the whole loan period, only loan interests will be collected, without handling, consultation and other miscellaneous fees.

What is Principal Repayment Holiday Scheme and what are the benefits?

Targeting SME owners who often experience troubles in capital turnover, we specially offer the Principal Repayment Holiday Scheme where clients have an option to repay only monthly interest to reduce monthly repayment expenses.

Is there any minimum loan period for Loans for SMEs?

Loans for SMEs have no minimum loan period. Interest is calculated based on the actual number of days when loans are disbursed. There is no penalty for early repayment.

Is there a loan amount ceiling for Loans for SMEs?

There is no loan amount ceiling. It depends on the conditions of each applicant.

Do business types affect the approval results?

Loans for SMEs are not limited to business types or the length of business operation. Applications can be made as long as there is funding demand for the business.

Is there any limit to the applicant's age?

Applicants aged 18 or above can apply. No limit.

more