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Small and Medium Enterprises Loan

A.I. revolutionizes traditional SME lending process, no account opening and no collateral required. Get your loan approval in as quick as one day1, offer up to HK$2 million loan amount with maximum loan tenor of 48 months, enabling enterprises to meet their cash flow needs and seize every opportunity for the business.

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How to apply

Step 1

Fill in application details

Complete your application journey fully online within minutes. WeLend A.I. offers you simple loan journey which requires only three documents3 from you. You can complete the application in as fast as a few minutes!

Step 2

Get automated approval and fair quotation by A.I.

WeLend A.I. automates the approval process. Apply now to get a fair quotation with a detailed loan plan, including loan amount, interest rate and monthly repayment amount.

Step 3

Verify identity and upload supporting documents

Complete identity verification and upload relevant documents to get your capital quickly and seamlessly. Address your cash flow or business expansion needs easily.

Step 4

Complete agreement and get your cash

Done! You can now sign your loan agreement and your loan would be ready soon5!


The business must be registered in Hong Kong with a minimum of 1-year operating history and the applicant must be a Hong Kong permanent resident. For limited companies, this application requires a personal guarantee.

Application process is as simple as:

1. Apply online
2. Complete application information
3. Instant quotation##
4. Identity verification
5. Upload documents

## Refers to the time needed to calculate quotations after receipt of the applicant’s TU Report. Applicants must fulfil specific requirements to be eligible, actual time may vary depending on each individual case

No collateral is required for WeLend Business SME loans. For Limited Companies, this application requires a personal guarantee.

You are required to submit the following documents during the application process: 

  • Hong Kong ID card  
  • Latest 6-months bank statement from major bank account 
  • Latest 1-year audited financial statement 
  • Rent proof of company registered address 

WELEND LIMITED reserves the right to request further supporting documents for loan approval purposes in certain circumstances. 

If you have completed the application online, approval result (including loan amount, loan tenor, loan interest and monthly repayment) can be ready instantly.   

Preliminary approval result is based on information provided by the loan applicant. 


1. The customer must fulfil specific credit requirements to be eligible. Actual situation may vary depending on each individual case. 2. Terms and conditions are applied to the promotion. 3. WELEND LIMITED reserves the right to request further supporting documents for loan approval purposes in certain circumstances. 4. Any effective rate of interest for early payment will fully comply with all applicable laws/any legal requirements. 5. The loan will be transferred via Faster Payment System (FPS) after the loan is approved and the loan agreement is signed. Actual transfer time is subject to each individual bank's transfer service hours. In the event of any inconsistencies between the English and Chinese version of the Terms and Conditions, the English version shall prevail.
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Loan Amont
HK $
Monthly Repayment
HK $
HK $
1. Loan amount should fall within $5,000 and $1,500,000.
2. Monthly repayment is calculated using an effective rate of 1.99% - 25.00% and is for reference only.
Important notice
WeLend will not request any personal information from customers through third parties and WeLend does not have any other official website. If you suspect you received fraudulent messages or are directed to a fake WeLend website, please do not disclose any information and contact us immediately to verify or report it to the police.