This page is only for online application for designated loan products. If you are interested in other loan products, please contact our Relationship Managers.
Not sure which loan suits you or how much you need? Try our Loan Advisor tool for recommendations now!
Answer a few simple questions to see your loan recommendations.
How are you going to use this loan?
This is a required field
By clicking "Next" button, you agree to the 
disclaimer of the Loan Advisor.
disclaimer of the Loan Advisor.Loans at a Glance
Loans at a Glance
Overdraft 
| Main Features | Immediate short-term cash flow |
| Loan Amount | For online loan application, the loan amount is up to HK$18 million^ |
| Repayment Period | Flexible |
| Collateral Free? | Collateral-free or with collateral |
Read More
Revolving
Term Loan
Term Loan
| Main Features | Spare cash at your convenience |
| Loan Amount | For online loan application, the loan amount is up to HK$18 million^ |
| Repayment Period | Up to 6 months (renewable) |
| Collateral Free? | Collateral-free or with collateral |
Read More
SME Business
Instalment Loan
Instalment Loan
| Main Features | Scheduled monthly repayment |
| Loan Amount | For online loan application, the loan amount is up to HK$18 million^ |
| Repayment Period | Up to 7 years monthly installment |
| Collateral Free? | Collateral-free or with collateral |
Read More
Trade Finance
| Main Features | Free up your cashflow to reinvest into the business |
| Loan Amount | For online loan application, the loan amount is up to HK$18 million^ |
| Repayment Period | Depends on your trade cycle |
| Collateral Free? | Collateral-free or with collateral |
Read More
Property Loan
| Main Features | Purchase or refinance your property for working capital |
| Loan Amount | DBS' Business Property Loan allows SMEs to borrow up to 60%# of the property value^ of commercial and industrial property and up to 50%# of the property value^ of residential property. |
| Repayment Period | For SME clients seeking to invest in residential properties, the maximum loan tenor available can be up to 30 years. For SME clients purchasing industry or commercial properties for business operations, the maximum loan tenor available can be up to 20 years. |
| Collateral Free? | No |
Read More
#Such indicative loan amounts are subject to the Bank's final approval decision, the final decision may be different on case-by-case basis.
^The property value is calculated based on the purchase price or latest valuation of the property, whichever is lower.
^^If you are interested in applying for another loan exceeding HK$18 million, please click here to fill in the form, and our Relationship Manager will be glad to assist you.
Should you have any enquiry, please kindly clickcontact us, and we will be glad to assist you.
 | Review Document Checklist |
 | |
 | Business Loan application process |
| |
 | Give us some time to process your application |
| |
 | Receive loan offer |
Checklist for the Application Documents
Answer these questions to see the complete list of documents that we need for processing your loan application.
What type of loan are you applying for?
What is the purpose of your loan?
Be responsible To borrow or not to borrow? Borrow only if you can repay!
Notes :
1. All repayment period and the final loan amounts are subject to approval and finally determined by DBS Bank (Hong Kong) Limited.
2. All loan applications are subject to applicable terms and conditions.
1. All repayment period and the final loan amounts are subject to approval and finally determined by DBS Bank (Hong Kong) Limited.
2. All loan applications are subject to applicable terms and conditions.
Providing you with Guarantee Product under the SME Financing Guarantee Scheme (SFGS).
Providing you with Guarantee Product under the SME Financing Guarantee Scheme (SFGS).
| 80% Guarantee Product under SFGS | |
|---|---|
Maximum Facility Amount | HK$18 million |
| Eligible Borrower | Local SME |
| Business Entity | Company, sole proprietorship, partnership or unincorporated body of persons which has business operations in Hong Kong and remains registered under the Business Registration Ordinance (Chapter 310 of the Laws of Hong Kong). |
| Business Operation History | At least 1 year in HK |
| Annual Guarantee Fee Rate | Up to 0.45% |
| Eligible Facility | Business Instalment Loan, Overdraft, Revolving Term Loan, Trade Finance |
| Maximum Guarantee Period | Up to 7 years plus the Extended Guarantee Period** **Extended Period as defined under "Relief Arrangement". |
| Overall Interest Rate | The interest rate is subject to the Bank's final approval. |
| Personal Guarantee | Required for >50% shareholding (alone/add-up) |
| 90% Guarantee Product under SFGS | |
|---|---|
Maximum Facility Amount | HK$8 million |
| Eligible Borrower | Local SME |
| Business Entity | Company, sole proprietorship, partnership or unincorporated body of persons which has business operations in Hong Kong and remains registered under the Business Registration Ordinance (Chapter 310 of the Laws of Hong Kong). |
| Business Operation History | Not applicable |
| Annual Guarantee Fee Rate | Operating history > 3 years: 0.36% Operating history <= 3 years: 0.45% |
| Eligible Facility | Business Instalment Loan Only |
| Maximum Guarantee Period | Up to 5 years plus the Extended Guarantee Period** **Extended Period as defined under "Relief Arrangement". |
| Overall Interest Rate | The interest rate is subject to the Bank's final approval. |
| Personal Guarantee | Required for >50% shareholding (alone/add-up) |
###This Promotion Offer is applicable to 80% and 90% Loan Guarantee under SME Financing Scheme only and is subject to the relevant Terms and Conditions. Please click here for details.
