The Bank of East Asia

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BEA Enterprise Easy Fund Series

BEA supports SMEs in every stage of your business. Whether you are in early stages of your business, pursuing for business expansion, seeking green transformation or simply in need of short-term cash flow, the Enterprise Easy Fund Series provides diverse financing solutions to support you in the business challenge and to meet your company’s borrowing needs, regardless of company size, type or industry. Obtaining SME Financing can now be so easy!

Introducing the newly launched BEA Enterprise Easy Fund – Unsecured Loan, with simple application requirements and loan approval as fast as 3 days1.
Limited-time Offer: (Terms and Conditions apply)
From now until 31 December 2025, corporate customer who apply for the BEA Enterprise Easy Fund – Unsecured Loan or Energy Efficiency Loan, and successfully complete the full loan drawdown on or before 31 March 2026 can enjoy a 25 basis points discount off the Annualised Interest Rate for full term of the loan. The Final HKD Annualized Interest Rate is as low as 5.00%2!
 
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BEA Enterprise Easy Fund Series*
BEA Enterprise Easy Fund Series offers different types of unsecured loan products, no financial statement required3, loan repayment up to 3 years, and loan amount up to HK$2 million.
BEA Enterprise Easy Fund – Unsecured Loan
  • Suitable for all company types
  • Simple application and no collateral required
  • Loan amount up to HK$1,000,0004
BEA Enterprise Easy Fund – Energy Efficiency Loan
  • Suitable for companies with energy saving and carbon reduction needs
  • Loan amount up to HK$2,000,0004
BEA Enterprise Easy Fund – Card Merchant Loan
  • Suitable for companies collecting payments through merchant service
  • Utilizing merchant payment data5 as the main credit assessment
  • Loan amount up to HK$2,000,0004, 7
BEA Enterprise Easy Fund – Trader Loan
  • Suitable for companies with established trading operation and registered with Tradelink Electronic Commerce Limited (“Tradelink”)
  • Utilizing the trade-related data6 as main credit approval document
  • Loan amount up to HK$2,000,0004
BEA Enterprise Easy Fund Series also offers secured loan product, no financial statement required3, loan repayment up to 5 years, and loan amount up to HK$15 million.
BEA Enterprise Easy Fund – Secured Loan
  • Suitable for companies with asset backed collateral seeking for a higher loan amount
  • Accept various forms of collateral including property
  • Loan amount up to HK$15,000,0004
Want to understand which loan product best suit your need?
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* Terms and Conditions apply to BEA Enterprise Easy Fund Series loan products. For details, please click here
Eligibility


Hong Kong registered company and have been operating in Hong Kong for at least 2 years6


Borrower with good repayment record


Companies with no litigation or winding up record
e-Application Form8
Application Form
Product Information Sheet
Document Checklist
Fill in the online form, and a dedicated specialist will be in touch with you

Talk with our specialist
BEA also provides New Corporate Customer Offer9 to help reducing your business operating cost!

Half waiver on Loan Arrangement Fee
50% Rebate on Online Outward Remittance transaction fee
USD deposit actual annualised interest rate up to 2.88%!

 
Enquiry
36081220
SMEloan@HKBEA.COM
To borrow or not to borrow? Borrow only if you can repay!
Remark：

  1. The three-working-day approval service commences upon receipt of the complete application and all required supporting documents, submitted on working days (Monday to Friday). This three-working-day approval service is subject to: the accuracy and completeness of the application; the availability of internal Bank records and information from credit reference agencies; and the operational stability of the Bank's relevant processing systems and servers. The Bank of East Asia Limited (“BEA”) reserves the right to vary or cancel this turnaround time offer at any time without prior notice. In the event of any delay, the Bank shall not be held liable for any loss incurred as a result of such delayed approval.

  2. Interest rate is floating and subject to change. Lowest HKD annualised Interest rate of 5.00% is based on floating rate 1 month HKD HIBOR as of 3 September 2025.

  3. Please refer to the Document Checklist for the application documents: https://www.hkbea.com/pdf/en/EEF_DCL.pdf
    BEA reserves the right to request any further supporting documents/information.

  4. Maximum loan amount includes banking facilities of the borrower and related entities with 30% or more common shareholding.

  5. Must provide relevant payment collection transaction records for 2 years or more.

  6. Applicable to BEA Enterprise Easy Fund – Trader Loan. Must be a company which has business operations in Hong Kong for three or more years and must provide import / export trade declarations record of Tradelink Electronic Commerce Limited (“Tradelink”) for 3 years or more.

  7. The maximum loan amount of HK$2,000,000 is only applicable for existing BEA merchant customer(s) with 2 years or more merchant business relationship in BEA. For BEA new merchant customer(s) with less than 2 years’ merchant business relationship in BEA, the maximum loan amount will be up to HK$1,000,000.

  8. Retrieve your saved and completed application online anytime, only applicable to BEA Enterprise Easy Fund – Card Merchant Loan

  9. For detailed terms and conditions of New Corporate Customer Offers, please visit https://www.hkbea.com/pdf/en/Welcome_Offer_Terms_and_Conditions_EN_20250701.pdf