Banking

We’re here to help you find the right financing solutions to fit your business.

How can our lending solutions support your business?



  • * Support, when you need it

    If a committed facility is required, a Term Loan or Revolving Credit Facility could be for you with funds available when you need them, or if you have a cyclical business and want to stay on track with an agreed limit an overdraft could help

  • * Tailored solutions

    Our lending experts are here to help you with lending solutions created with the needs of businesses in mind: whether you want funding for growth, acquisition finance, property finance or a financial buffer in case of unexpected events

  • Growth

    Some of our solutions are multipurpose. After all, every business is unique, and the way each business uses, for example, a Term Loan, will differ. While one business might use this facility to support corporate acquisition finance, another could use it as general purpose finance

  • * Property Finance

    Access financing and on-the-ground expertise to support your property development or investment activities across the Hong Kong. From bilateral loans to syndicated and capital market deals, we can help you make the most of property financing.

Key product features and benefits

Term Loan

Fuel growth, have greater confidence buying assets, or boost your day-to-day business with a term loan. It could be used for a wide range of requirements, from buying machinery to purchasing property, or funding medium to long-term business growth. Use it for business expansion, including management buy outs and capital injection.

Revolving Credit Facility (RCF)

If you work in a cyclical business, a Revolving Credit Facility (RCF) could give you flexibility and reduce your bureaucracy – there’s no need to keep reapplying for finance. Have the convenience to draw down and repay, repeating this within agreed limits and the agreed period for the facility. This flexibility can be particularly beneficial for those who know their revenue will fluctuate.

Overdraft

Reduce uncertainty and give your business more room to operate by choosing an overdraft. Use it in a way that suits you, from dealing with unexpected costs to day-to-day expenses. Our overdrafts are easy to set up and can be offered as part of most business current accounts. A great way to manage your short-term working capital funding requirements.

Debt Capital Markets

Our DCM and Leveraged Finance teams can support you in developing and implementing investment grade or high yield, debt financing solutions tailored to your needs. Our capabilities span the spectrum of fixed income financing, including senior bonds in the major currency markets, liability management, hybrid capital, loans, private capital markets, strategic capital, structured lending and acquisition finance.

Wholesale Stock Finance

Stock financing has many benefits for vehicle dealerships and manufacturers. By linking your inventory management systems to an automated finance solution, you’ll benefit from daily drawdowns and settlements to fund stock. Enhanced reporting can also provide you with insight into inventory management performance.

Recovery Loan Scheme (RLS)

The Recovery Loan scheme is a government scheme to support access to finance for Hong Kong small businesses as they invest and grow. Our relationship teams can discuss with you whether the RLS is right for your business, and help you with your application if needed.

about

Grow your business

From optimising interest on your balances, to reducing charges and ensuring the right access to your liquidity, our solutions can also enhance your operations and help your business grow

Maximise cash potential: Our Cash Concentration and Notional Pooling solutions could help to optimise the interest on your accounts through the physical movement or notional offsetting of balances. Our solutions can give you a true picture of your liquidity, as well as help you to automate and streamline processes to maximise the potential of your cash

Streamlined solutions:Our liquidity products can help to reduce borrowing costs by promoting effective working capital management; streamlining and automating your treasury activities to further reduce direct and in-direct costs.