This page is only for online application for designated loan products. If you are interested in other loan products, please contact our Relationship Managers.

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Loans at a Glance

Loans at a Glance

Overdraft +
Main FeaturesImmediate short-term cash flow
Loan Amount
For online loan application, the loan amount is up to HK$18 million^
Repayment PeriodFlexible
Collateral Free?Collateral-free or with collateral
Revolving
Term Loan
+
Main FeaturesSpare cash at your convenience
Loan Amount
For online loan application, the loan amount is up to HK$18 million^
Repayment PeriodUp to 6 months
(renewable)
Collateral Free?Collateral-free or with collateral
SME Business
Instalment Loan
+
Main FeaturesScheduled monthly repayment
Loan Amount
For online loan application, the loan amount is up to HK$18 million^
Repayment PeriodUp to 7 years monthly installment
Collateral Free?Collateral-free or with collateral
Trade Finance +
Main FeaturesFree up your cashflow to reinvest into the business
Loan Amount
For online loan application, the loan amount is up to HK$18 million^
Repayment PeriodDepends on your trade cycle
Collateral Free?Collateral-free or with collateral
Property Loan +
Main FeaturesPurchase or refinance your property for working capital
Loan AmountDBS' 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 PeriodFor 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

#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.

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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.

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 BorrowerLocal SME
Business EntityCompany, 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 HistoryAt least 1 year in HK
Annual Guarantee Fee RateUp to 0.45%
Eligible FacilityBusiness Instalment Loan,
Overdraft,
Revolving Term Loan,
Trade Finance
Maximum Guarantee PeriodUp to 7 years plus the Extended Guarantee Period**
**Extended Period as defined under "Relief Arrangement".
Overall Interest RateThe interest rate is subject to the Bank's final approval.
Personal GuaranteeRequired for >50% shareholding
(alone/add-up)
90% Guarantee Product under SFGS
Maximum Facility Amount
HK$8 million
Eligible BorrowerLocal SME
Business EntityCompany, 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 HistoryNot applicable
Annual Guarantee Fee RateOperating history > 3 years: 0.36%
Operating history <= 3 years: 0.45%
Eligible FacilityBusiness Instalment Loan Only
Maximum Guarantee PeriodUp to 5 years plus the Extended Guarantee Period**
**Extended Period as defined under "Relief Arrangement".
Overall Interest RateThe interest rate is subject to the Bank's final approval.
Personal GuaranteeRequired 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.