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 till 30 June 2025, corporate customer who apply for the BEA Enterprise Easy Fund – Unsecured Loan or Energy Efficiency Loan, and successfully complete the loan drawdown on or before 30 September 2025 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 5.85%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 service, 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
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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
Bonus CASA interest rate up to 2.28%p.a.!

 
Enquiry
36081220
SMEloan@HKBEA.COM
To borrow or not to borrow? Borrow only if you can repay!
Remark:
  1. Three working days' approval service is only applicable to applications for Enterprise Easy Fund received by The Bank of East Asia, Limited (“BEA”) on working days from Monday to Friday, and subject to the accuracy of information provided by customers, the adequacy of supporting documents provided from customers, the availability and stability of the bank’s related systems and servers, as well as the credit reference agencies’ service. BEA reserves the sole right to vary or cancel the above-mentioned service at any time without prior notice. In the event of any dispute, the decision of BEA shall be final and conclusive.

    The three working days' approval result is subject to the information and supporting documents provided by the applicant, the internal records of BEA, credit information provided by credit reference agencies, and final review & approval by BEA. BEA reserves the sole right to approve or decline any loan application and is not obligated to provide reasons for declined applications. BEA may determine the final approved loan amount for another repayment period at a different interest rate at its sole discretion.

  2. Lowest HKD annualised Interest rate of 5.85% is based on floating rate 1 month HKD HIBOR.

  3. 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_20250128.pdf