Loan amount from HK$200,000.- to HK$1,000,000
	Instalment loan or Overdraft facility, or a combination of two
	Privileged interest rate
	Repayment tenor (Instalment loan only) up to 3 years
	Low arrangement fee
	No tangible security is required
	Simple application & quick processing

Please feel free to call our customer services hotline at 2290 8068. Our Officers are pleased to provide any further information you require.

YOU CAN APPLY NOW
Please click the button for the application form and also you can submit your application by Internet. We assure you of our prompt reply upon receipt of your application.

Remarks:
The Bank reserves the right to cancel or revise any of the above terms and conditions at any time and to reject any application at our sole discretion.

	Joint scheme with Export Credit Insurance Corporation (ECIC) in financing business for Small to Medium Size Enterprise (SME)
	Available to all manufacturers/exporters/traders in Hong Kong
	Maximum financing up to 100% of export bills value and aggregated loan amount up to HK$3,000,000
	No tangible security is necessary
	Preferential pricing and charges
	Simple application
	Prompt reply for approval within 48 hours

Favourable tariff for other trade-related products and services.

The bank with consider providing additional tailor-made pre-shipment financing package to individual applicants.

Please feel free to call our customer services hotline at 2290 8068. Our Account Managers are ready to provide you with detailed information.

You can also apply directly here! Approval-in-principle will be advised to qualified applicants directly through internet. Please click the button.

The package also provides the following privileges:
	A combination of instalment loan, trade line and over draft facilities.
	Interest rate can be as low as P-2%
	Instalment loan can be repayable by 20 years.
	Comprehensive internet banking service "ec-business" with waiver of 1st year annual fee.

Apart from the above trade facility package, we also provide an unsecured Flexible Commercial Loan Program and Equipment Finance Program. Those can assist you in acquisition / upgrading of your existing production plant / computer system, thus raising your competitive power.

For any enquiry, please call our Relationship Managers:

Tel : 2290 8068

Fax : 2285 3628

* The bank reserves the right to cancel or revise any of the above terms and conditions at any time without prior notice.

SME Loan Guarantee Scheme offers loans to SMEs for acquiring business installation and equipment and meeting working capital needs. Maximum finance can be up to HK$12,000,000 and with tenor as long as 5 years. The amount of guarantee for an SME is 50% of the approved loan, subject to a maximum amount of HK $6,000,000. The guarantee can be used to secure loans for either business installations and equipment or working capital, or a combination of both.

Use of Loans

The Business Installations and Equipment Loans should be used for acquiring installations and equipment relating to the applicant's business operations, which may include machinery, tools, computer software and hardware, communication system, office equipment, transport facilities, furniture and fixtures.

The Working Capital Loans should be used for meeting working capital needs of general business uses of SMEs.

Target Customers

	Manufacturers
	Traders
	Wholesalers
	Service providers

Basic Requirements:

Basic documents required for approval

SMEs that are established for 18 months or above should submit:
- a copy of the valid Business Registration Certificate
- latest audited accounts for a limited company
- latest financial statements for an unlimited company

SMEs that are established for less than 18 months should submit:
- a copy of the valid Business Registration Certificate
- documentary proof on their date of establishment and relevant financial report.

Requirements for application for business installations and equipment loan guarantee:

-	The loans may be used for acquiring second-hand installations and equipment. However, the loans cannot be used for financing or re-financing machinery and installations already in the possession of the applicant or its associates.
-	If the business installations and equipment to be acquired shall be used by another business entity inside or outside Hong Kong, you need to seek the prior consent of the participating lending institution (“PLI”) concerned and the Government on such arrangement with supporting document(s).
-	If the business installation and equipment is located in the Mainland China, investment approval certificate, agreement on materials processing, production agreement and any other supporting document are needed to show the relationship between your business and the end user of the business installations and equipment.

Please contact our Relationship Mangers or Customer Services Hotline 2290 8068 for details!

DBS Enterprise Banking has participated in "The Special Loan Guarantee Scheme". Under this scheme, maximum finance for each SME can be up to HK$6,000,000, among which, 50% (Maximum HK$3,000,000) may be used for a revolving credit line. The amount of guarantee is 70% of the approved loan. In other words, the maximum amount of guarantee will be HK$4,200,000, within which HK$2,100,000 may be used to guarantee a revolving credit line.

Financing can be in form of:
- Instalment Loan; or
- Overdraft Facility

Use of Loans

The loans should be used for satisfying the needs of general business use.

Basic Requirements:

-	Except listed companies, lending institutions and lending institutions' associates.
-	Borrowers shall have registered and with substantive business in Hong Kong and have at least one year of operation as at 15 December 2008;
-	Borrowers shall not have any outstanding default with any authorised institution as defined in the Banking Ordinance.
-	Personal guarantee(s) from the borrower is/are required. If the borrower is a limited company, personal guarantee(s) is/are required from shareholder(s) (whether an individual or a firm) together holding more than 50% equity interest.

Notes: