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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, 90% Guarantee Product and the Special 100% Loan Guarantee) launched by HKMC Insurance Limited ("HKMCI"). We are pleased to offer flexible lending solution to meet your financing needs and facilitate your business growth.

  • 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.

  • 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.

    Terms and conditions:

    1. The loan amount and terms and conditions of the facilities are for reference only. The final loan amount, interest rate, handling fee and related terms and conditions are subject to final approval of Nanyang Commercial Bank, Limited ("the Bank"). The Bank reserves the right of approval on the application for credit facilities at its absolute discretion, and may decline any application without providing any reason to the applicant(s). The terms and conditions of the credit facilities will be governed by the facility letter signed between the loan applicants and the Bank.

    2. The Bank reserves the right to amend, suspend or terminate the above products and services, and to amend their relevant terms and conditions at any time at its absolute discretion. In case of any dispute, the decision of the Bank shall be final.

    3. The "SME Financing Guarantee Scheme" (SFGS) is provided by HKMC Insurance Limited("HKMCI"). For details including eligibility requirement, please visit the website of HKMC at

    Commercial Lending Customer Services Hotline: (852) 2622 2633

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

    SME Online Appointment: Loan Application