SME Business Instalment Loan

At a Glance

Apply via DBS Online Loan Application Platform to enjoy the following DBS exclusive offers:

Preliminary loan amount approval as fast as 3 working days^#

Annual interest rate as low as DBS’ privilege interest rate (P) – 0.25%^{^}

Remarks:
^#The preliminary loan amount approval's 3-working day process time is calculated from the first working day after the loan application is submitted. The applicant will be notified individually of the indicative loan approval result on the next working day after the preliminary loan amount approval is completed. The preliminary approval time does not include the approval time from The Hong Kong Mortgage Corporate Limited. The preliminary approval amount of an indicative loan is only applicable to successful submission via online submission in the DBS Online Loan Application Platform and fulfilment of all documents and requirements requested by the Bank. Such indicative loan amounts are subject to the Bank’s further approval and final decision, the final decision may be different from the preliminary loan approval.
^{^}Applicable to select DBS customers only

Features & Benefits

Apply for DBS’ SME Business Instalment Loan online in a few steps. Raise up to HK$ 10 million in funding for your business with/without pledging collaterals!

Competitive rates

SME business loans of up to HK$10 million with competitive interest rates

Collateral-free SME Business Instalment Loan Option

Loan amount of collateral-free SME Business Instalment Loan up to HK$3 million without financial statements required

Flexible repayment period

Stretch your business loan repayment period up to 7 years with DBS’ funding scheme for SMEs in Hong Kong

Convenient to apply

Apply for DBS’ SME Business Instalment Loan online in as fast as 10 minutes. Get notified on approval status in as fast as 3 working days^# and followed up by a dedicated Relationship Manager

How to Apply

Simply call DBS SME Loan Hotline at 2290 8123 or visit our SME Banking Centres and our Relationship Manager will be glad to assist you. You will need to submit the following documents:

You will need to submit the following documents:

Company registration documents and business profile
Latest financial reports
Latest bank statements from major Banks
Business owners' information

Apply loan under HK$10 million

Apply loan over HK$10 million

Loan Advisor

Not sure which loan suits you or how much you need? Try our Loan Advisor tool for recommendations now!

FAQs

	What is an SME business instalment loan?
	An SME business instalment loan addresses and helps SMEs solve urgent short-term business needs. These types of loans have a pre-determined instalment and repayment period.

What is the difference between an SME business instalment loan and a revolving loan?

Companies that opt for SME business instalment loans will get a lump sum amount that needs to be paid back with interest every month. The amount that needs to be repaid, along with the interest rate, will be pre-determined. Revolving loans, on the other hand, provide a pre-set line of credit to SMEs, allowing them to withdraw the cash they need immediately. After the amount has been repaid, the credit limit will be automatically restored, and you can re-borrow conveniently and flexibly at any time without having to apply again.

	What is an unsecured loan?
	An unsecured loan is a loan that gives you funding without the need for collateral.

	What is the difference between a secured and unsecured loan?
	DBS’ secured loans provide up to HK$10 million in funding to SMEs but require tangible assets as collateral. With unsecured loans, on the other hand, companies can obtain up to HK$3 million without having to provide any collateral.

What are the benefits of DBS’ SME Business Instalment Loan?

DBS' SME Business Instalment Loan provides a wide range of benefits for SMEs in Hong Kong, including:

Collateral-free loan option – When opting for the unsecured business loan, SMEs can obtain up to HK$3 million without having to provide collateral and financial statements
Loan of up to HK$10 million – Loans up to this amount provide extra working capital and require tangible assets as collateral
Flexible repayment period – Extend your loan repayment period by up to 7 years through DBS' funding scheme for SMEs
Quick application and approval – Apply for DBS' SME Business Instalment Loan online in just 10 minutes and get approval in 3 working days

	What is the credit limit of DBS’ SME Business Instalment Loan?
	Unsecured loans allow you to borrow up to HK$3 million, while secured loans provide up to HK$10 million in funding.

	What is the overdue / default interest rate?
	Please refer to this link: Overdue/ Default interest rate

	What can I do if my loan application is not accepted? Is there a process to review the decision?
	If you have any questions or need to discuss the result of your loan application, please contact our "SME Credit Approval Review Hotline" at 2290 8050 or email to [email protected]

To borrow or not to borrow? Borrow only if you can repay!

SME Business Instalment Loan