Independent Hong Kong business funding researchUpdated 17 July 2026
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104 researched routes across lenders, products, support, tools and standards.

Research statusVerified 17 July 2026

Primary sources checked. Product pricing remains subject to lender assessment.

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Compare and lenders

Compare Hong Kong business lendersHong Kong business lender directoryHong Kong banks for business loansFintech and digital business lendersHong Kong business loan brokers and consultantsHong Kong business loan ratesHong Kong business funding dataResearch methodology

Government

Hong Kong government funding for SMEsSME Financing Guarantee Scheme: 80% guideBUD Fund guideLicensed money lenders in Hong Kong

Loan types

Unsecured business loansSecured business loansWorking capital loansRevolving credit facilitiesBusiness overdraftsInvoice finance and factoringTrade financeMerchant and card-receivables financeE-commerce financeEquipment and vehicle financeCommercial property loansProfits tax loansStart-up business loansGreen and sustainable SME finance

Guides

How to apply for a business loanBusiness loan application documentsFlat rate vs APRHIBOR vs prime-linked loansPersonal guaranteesBusiness loan contract structuresHow lenders assess SMEsImprove approval chancesRefinancing business debtEarly repayment and settlementSFGS application checklistAvoid business loan scams

Industries

Restaurant loansRetail business loansE-commerce business loansImport and export financeProfessional-services loansConstruction business loansLogistics and transport loansManufacturing finance

Calculators

Hong Kong business loan calculatorsBusiness loan repayment calculatorFlat rate to APR calculatorDebt service coverage calculatorInvoice finance cost calculatorSFGS guarantee fee estimator

Research

Research source ledgerOfficial Hong Kong SME resourcesBusiness loan downloadsAbout HK Business FundingEditorial policyAdvertiser disclosurePrivacyTerms of useCorrections and contact