Talk to us first when you need financial flexibility for your business expansion. Our Small Business Loan can be a powerful business tool for you. With our competitive terms and tailor-made services, we can provide you the support you need to improve your cash flow when the right opportunity comes along.
Our Small Business Loan provides you with the right amount of support at your request. The loan amount ranges from a minimum of HK$400,000 to up to HK$7.5 M. Here's a table for your easy reference of loan amount against asset held with China Construction Bank (Asia):
Assets Held
Maximum Loan Ratio*
Deposits of Hong Kong Dollars
95%
Deposits of Other Currencies
90%
Standby Letters of Credit
100%
Real Estate
70%
Hang Seng Index Shares
70%
* Loan ratio for real estate and shares can be up to 100% in the case of trade facility requests
Your choice of terms
You can arrange for your loan as an Overdraft Facility, Trade Finance or Term Loan. For term loan, your repayment period can be extended up to 120 months.
Competitive rates
Preferential per annum interest rates can be as low as prime rate depending on your choice of credit type. On top of this special rate, our annual fee charge is only 0.25% of the facility amount (minimum HK$3,000)!
Easy applications
If your company
Is registered in Hong Kong
Has been in business for at least three years
Has shown profits for the last two years
Has a positive net worth
please talk to us now with our Bank By Phone at 2805 2383 or visit any of our Branches. Email for more information is also welcomed!
