Smarter financing. Stronger future

Act Now

From now until 31 August 2025, successful online applications of InnoTech Business Instalment Loan can enjoy preferential offer of 50% waiver of the annual handling fee**.

You can now achieve your business ambitions in a smarter way.

We are introducing a new digital lending platform – an end-to-end journey with smart application, electronic identity verification and data-driven analytics, enabling you to access funds simpler and faster. From Business Instalment Loan to 90% Guarantee Product under the SFGS^*, our digital lending platform offers a range of business financing solutions that could help your dynamic business grow.

With the use of data and open banking technology, we are constantly innovating to empower you driving transformation and capturing opportunities in today's rapidly shifting economic landscape.

Quicker

Complete online applications and receive in-principle approvals in as fast as 10 minutes^{^}

More flexible

Apply online for a variety of loan solutions tailored to your business needs

Simpler

No collateral or financial statements required for application, funds will be made available in as quickly as 2 business days^**

More transparent

No hidden fees. Interest rates, fees and monthly repayment amount are clearly shown in the approval-in-principle results

Smart digitalization

By leveraging commercial data from partners, we have streamlined credit assessments and shortened loan approval processes

^* SME Financing Guarantee Scheme is provided by the HKMCI

^{^} The approval-in-principle result will be available within the same day for application that is successfully submitted and authorised by your company’s approver(s) from 8am to 9pm on Monday to Friday (except Saturday, Sunday and public holidays). Otherwise, the approval-in-principle result will be provided by the next business day. Processing may take longer in some cases, and we will contact you if more information is needed.

^** Terms and conditions apply. The final approval is subject to HSBC’s credit assessment of individual cases.

Explore our range of flexible loan solutions

Eligibility

You can use our new digital lending platform if your company is :

A limited company / partnership / sole proprietorship; and
Registered and operating in Hong Kong; and
Not having any corporate director / shareholder / partner; and
Having up to 5 partners (for partnerships); and you are
The Primary User of Business Internet Banking

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

Business Integrated Accounts

Smarter banking to help your business take off

Need help?

If you have question about our products and services, please click ‘Chat with us’.

Chat with us