SME Trade - Trade - Scale Your Business - Business Banking Services

Your Concern as an SME enterprise:

You may prefer Hang Seng‘s trade financing handling to become simpler.

SME Trade:

Apply for trade finance solution in a simpler and convenient way. Hang Seng offers:

Trade Loans for Buyers - Allow you to make prompt payments to your suppliers, putting you in a better position to negotiate discounts with them. You can apply for loans and pay suppliers instantly through Business e-Banking to manage payments easily.
Trade Loans for Sellers - Financing can be provided based on your invoices and evidence of delivery of goods.

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SME Trade Features

Trade loan facility on revolving basis, up to HK$2,000,000
No collateral or financial reports required¹
Loan tenor up to 90 days
Drawdown by simply uploading a payment file to us and your supplier will be paid directly²

How can we make a difference for you with SME Trade?

Easy access to funds

No collateral or financial reports are required for trade loan facility application
Application for each drawdown of trade loan can be processed via Hang Seng Business e-Banking, to save time for paper transit.

Improved Cash Flow

Loan and interest start only when you settle payments to save on interest expenses.

How to apply SME Trade

Online application:

Step 1: Login to Hang Seng Business e-Banking, click Loan and Facility > Loan Application

Step 2: Complete SME Trade application and you may receive “Approval-in-principle” in as fast as 10 seconds³

Step 3: Upload the required documents and submit the form

Physical application:

Submit the completed and signed application form with the required documents to Hang Seng.

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

Remark:

Hang Seng Bank Limited ("Hang Seng") reserves the right to request any further supporting documents / information.
Subject to prior credit adjuration and approval. Payments are subject to processing time.
10-seconds approval-in-principle approval service (“Approval Service”) is only applicable to the online applications for Hang Seng SME Trade (“SME Trade”) received by Hang Seng between 6:45am and 9pm from Mondays to Fridays, and between 6:45am and 6pm on Saturdays, Sundays and public holidays, and subject to the accuracy of information provided by customers, the devices and internet performance of customers, the availability and stability of the Hang Seng’s related systems and servers, as well as the credit reference agency’s services. Hang Seng reserves the right to determine whether or not to provide the Approval Service at its sole and absolute discretion. For online applications of SME Trade without Approval Service results generated, Hang Seng will contact the customers within two working days. The result of the Approval Service is generated based on the information provided by the customer in the online application for SME Trade, the internal records of Hang Seng and credit information provided by credit reference agency. The result of the Approval Service is subject to the supporting documents provided by the customer and final review and approval by Hang Seng. Hang Seng reserves the right to approve a lesser amount of the result of the Approval Service or reject the application without giving any reason therefor.