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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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 |
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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 |
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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 |
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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 |
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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 |
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#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.
Should you have any enquiry, please kindly clickcontact us, and we will be glad to assist you.
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 | Business Loan application process |
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Checklist for the Application Documents
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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) |
| 100% Guarantee Product under SFGS | |
|---|---|
Maximum Facility Amount | HK$9 million (Up to total amount of employee wages and rents for 27 months, or HK$9 million, whichever is lower) |
| Eligible Borrower | Companies with at least a 30% decline in sales turnover in any month since February 2020 ("Affected Period") compared with the monthly average of any quarter from January 2019 to March 2022 ("Reference Period")## |
| 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 | In operation for at least three months as at 31 March 2022 |
| Annual Guarantee Fee Rate | Not applicable |
| Eligible Facility | Business Instalment Loan Only |
| Maximum Guarantee Period | Up to 10 years plus the Extended Guarantee Period** **Extended Period as defined under "Relief Arrangement". |
| Overall Interest Rate | ***Overall Interest Rate=HKMC Prime Rate - 2.5%p.a. |
| Personal Guarantee | Required for >50% shareholding (alone/add-up) |
***An equivalent interest rate of 2.5% per annum below the prime lending rate ("HKMC Prime Rate") for Hong Kong Dollars quoted by The Hong Kong Mortgage Corporation Limited from time to time.
##The eligibility is in connection with the business operation history of borrowers. For details of eligibility, please refer to HKMCI website.
###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.
