Commercial Lending

NCB understands your business needs and provides diversified financing solutions to ensure your business a brighter future.

SME Financing Guarantee Scheme(SFGS)

NCB is committed to provide continuous support to local SMEs and has joined the "SME Financing Guarantee Scheme" ("SFGS") (including the 80% Guarantee Product and 90% Guarantee Product) launched by HKMC Insurance Limited ("HKMCI"). We are pleased to offer flexible lending solution to meet your financing needs and facilitate your business growth.

SME Financing Guarantee Scheme(SFGS)

NCB unsecured “Small Business Loan”

NCB “Small Business Loan” offers flexible loan solution to facilitate your business growth. Maximum loan amount up to HKD2,000,000. You may consolidate your outstanding loans from other financial institutions to NCB “Small Business Loan” to meet your financial needs.

NCB unsecured “Small Business Loan”

Working Capital Financing

Take advantage of our overdraft and revolving loan services to satisfy your short-term cash flow needs.

Medium and Long-term Financing

NCB offer medium and long-term loan services to meet your business needs such as machinery acquisition or business expansion plans. Repayment schedule can be structured to suit your funding arrangement.

Property Mortgage Loans

NCB offer preferential interest rates and flexible repayment periods of property mortgage loans for commercial offices, shops or factory buildings.

Corporate Tax Loan

Simply by presenting your account’s statements and corporate tax demand note to us, you could enjoy our corporate tax loan services.

Corporate Tax Loan

General Terms

The maximum loan amount approved is for reference only. The actual loan amount is subject to the final assessment and approval by Nanyang Commercial Bank (“the Bank”).
All loan applications are processed in accordance with the Bank's credit assessment approval procedure. The Bank reserves the right to amend the loan amounts, interest rates, loan tenors, terms and conditions before signing of the facility letter without prior notice. In case of disputes, the decision of the Bank shall be final and conclusive.
If necessary, the Bank’s reserves the right to request the applicant to provide extra documents for further approval purposes.
In case of any discrepancy between the Chinese and English versions of this promotional material, the Chinese version shall prevail.

Corporate Customer Hotline: (852) 2616 6638

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

SME Online Appointment: Loan Application