Additional text has been added to aid users who may be using screen readers to view this site. If you are reading this text on your screen then either, the style sheet (CSS) file has failed to load, in which case you should refresh your screen or, your browser may not support style sheets. Find out more about which browsers support style sheets on the World Wide Web Consortium website.

What follows is a few links to some of the important pages. If you wish to skip this you can

Header navigation:

Language options:

Main level navigation:

Second level navigation — Personal:

Second level navigation — SMEs:

Second level navigation — Corporates:

Second level navigation — International:

Second level navigation — China:

Second level navigation — About Us:

Business Financing

"SME Business Loan"

Preferential interest rates plus easy online application ease the burden of
business financing and empower you to grow the business effortlessly.

Financing via "SME Business Loan"

Loan amounts up to HK$3 million
Repayment tenors
up to 36 months
No financial statements
are required¹
Instant initial loan
amount evaluation

One-stop digital services

24-hour online
application

Upload documents
via online platform
directly

Support Interbank
Account Data
Sharing service
(“IADS”)

Share your other banks' account data with us to streamline your application

Learn More

Can also apply for a Guarantee Product under SME Financing Guarantee Scheme ("SFGS"), which is provided by HKMC Insurance Limited (“HKMCI”). A guarantee fee will be applied and is subject to the credit facility amount, bank interest rate and the guarantee coverage as determined by the HKMCI from time to time. For the Scheme's details, please visit the HKMCI website.

Apply Online Now

To apply for SFGS or if you have any enquiry,
please contact our Business Banking Service Hotline at 2287 6868² or visit us at a branch.

Key Facts Statement for SME Business Loan

Remarks:

China CITIC Bank International Limited (the "Bank") reserves the right to request any further supporting documents / information.
Business Banking Hotline Service Hours: Mondays to Fridays: 9:00am to 6:00pm; Saturdays: 9:00am to 1:00pm, except Public Holidays.

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