Loans for SMEs

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Loans for SMEs

SME loans
Same-day approval
Instantly fulfill all your financing needs

Loan amount up to 5 millions without property mortgage requirements
Spared credit limit for you, pre-approved, interest-free undrawn credit limit
Revolving credit facility. The amount of credit limit will automatically restore upon repayment for revolving use

*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

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SME Mortgage Scheme supports significant capital needs for factory relocation

Mr Cheung has been operating a garment processing factory for years. Recently, he plans to relocate his factory from mainland China to India for cutting labour costs. However, as the company’s cash flow may not be sufficient for meeting the considerable relocation costs, he is so puzzled that how the required capital can be raised in a short period of time.



Solution

By a friend’s referral, Mr Cheung gets to know “SME Mortgage Scheme” offered by Hong Kong Finance. The Scheme does not require any proof of income documents or financial statements, He can obtain the approval of loans in a short period of time, solving SME’s capital needs. Mr Cheung has even chosen the scheme payable in instalments for interest only. In addition to this, Mr Cheung can repay the principal loans customised by himself. So, this means he can borrow and repay the capital anytime, having the financial arrangments in more advance, and flexible.

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.

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