10 useful starting points
Filtered for your inputs and sorted by editorial score.
HSBC Hong Kong
Best for: Broad product range and established companies
- Published scale
- HK$1.5m unsecured; HK$18m SFGS
- Term
- Up to 60 months unsecured
- Process
- Digital or relationship process
Hang Seng Bank
Best for: Fast digital SFGS and sustainability finance
- Published scale
- HK$8m digital SFGS; HK$18m general
- Term
- Up to 10 years under SFGS
- Process
- Approval-in-principle can be seconds
Bank of China (Hong Kong)
Best for: Small-business loans and equipment finance
- Published scale
- HK$2m Small Business Loan; HK$18m SFGS
- Term
- Up to 60 months small-business loan
- Process
- Selected cases advertise 48 hours
Standard Chartered Hong Kong
Best for: Higher published unsecured limits
- Published scale
- HK$7.8m unsecured; HK$40m working capital
- Term
- Product dependent
- Process
- Online enquiry and relationship process
DBS Hong Kong
Best for: Digital applications and seven-year terms
- Published scale
- HK$3m collateral-free; HK$10m secured
- Term
- Up to 7 years on selected products
- Process
- Selected cases in 3 working days
OCBC Hong Kong
Best for: Clearly published SFGS parameters
- Published scale
- HK$18m SFGS; express route HK$8m
- Term
- Up to 10 years
- Process
- Selected express applications
FundPark
Best for: E-commerce inventory and purchase orders
- Published scale
- Data-led limit after assessment
- Term
- Transaction dependent
- Process
- Online assessment
Bank of East Asia
Best for: Local relationship banking and green projects
- Published scale
- Quote based; HK$18m SFGS ceiling
- Term
- Product dependent
- Process
- Relationship process
Fusion Bank
Best for: Start-ups and fully digital applications
- Published scale
- Quote based; SFGS available
- Term
- Product dependent
- Process
- Fully digital
Qupital
Best for: Marketplace and Shopify sellers
- Published scale
- Based on connected platform settlements
- Term
- Bullet or 13-instalment structures
- Process
- Online assessment
Use the same request
Give shortlisted providers the same amount, purpose, drawdown date and term.
Ask for the schedule
Request every dated payment, net proceeds after fees, default pricing and settlement figures.
What the comparison score can and cannot tell you
The editorial score rewards clear public information, useful product coverage, accessibility, cost disclosure and specialist fit. It is not a customer rating, an approval probability or a prediction of the lowest offer. A lender with a smaller score may still produce the best structure for a particular invoice, machine or property.
Shortlisting should reduce wasted applications. It should not encourage a company to submit the same file everywhere. Formal credit searches, inconsistent requested amounts and unexplained rejections can create more questions for the next lender.
Normalise every written offer
Ask each provider to quote the same net proceeds and term. Record the cash received on day one, every repayment date, reference rate, margin, guarantee fee, origination charge, legal cost, valuation cost, insurance requirement and settlement amount after month twelve.
Monthly payment alone is a poor ranking measure. A longer term lowers the instalment while increasing total interest and extending the life of guarantees. A revolving line can charge only on drawn funds, though annual review and cancellation rights may make it unsuitable for permanent investment.
- What cash reaches the company after every fee and deduction?
- Which reference rate, margin, floor and reset date control the interest charge?
- What happens to guarantees, security and fees after early settlement?
Rates, limits and eligibility can change. Ask for a current written quote, repayment schedule and agreement. General information only.