SME Loan | Simplified loan process | Instant quote

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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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Product Overview

SME Loan

A.I. Speed

Speedy loan approval as fast as within one day¹, application is available 24/7.

A.I. Flexibility

WeLend Business SME Loan offers a more flexible loan size compared to personal loans. Corporates that successfully draw down a SME loan can enjoy an early bird offer² for flexible repayment.

A.I. Simplicity

Waive complicated document requirements, fully online application journey even for contract signing stage. Simply upload company bank account proof, financial proof and rental proof³ to complete your application.

A.I. 24/7

Designated hotline is available to answer all your loan related enquiries anytime.

Latest Offer⁵

Welcome Offer – WeLend Business SME Loan Offer

Offer Value Up to

HK$

8000

Our Advantage

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!

How to apply

Step 1

Fill in application details

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!

Loan Amount

@24-Months Tenor

Mr. Chan, E-commerce shop owner

Successfully received a WeLend Business SME Loan

8.36% APR (Annual Percentage Rate)

Total repayment amount of HK$2,172,083

Unlike “SME Financing Guarantee Scheme” offered by traditional banks and HKMC, which kept me waiting for several months, WeLend Business SME loan only took 3 days to disburse my loan with interest rate of XX%. WeLend Business SME loan application is fast and convenient, which has solved my liquidity problem immediately!

The stock market has been volatile recently and it is a good time to earn returns. I got a loan from WeLend because of the low interest rate and stable monthly repayments, which is suitable for conservative investors like me. Applying for a WeLend personal loan online and signing the loan agreement online on the same day allowed me to seize the opportunity while stock prices were rising and gave me the capital I needed in time.

Ms. Tse, Travel Agency owner

Successfully received a WeLend Business SME Loan

11.47% APR (Annual Percentage Rate)

Total repayment amount of HK$1,981,546

Unlike traditional banks, WeLend Business adopts an innovative approach in SMEs’ credit risk assessment. They could understand the potential business opportunity in travel after COVID-19. With our business strategy, WeLend Business has approved $1.6 million loan size which has helped me acquire sufficient operational funds and seize the business opportunity.

Mr. Lam, Local Restaurant owner

Successfully received a WeLend Business SME Loan

8.25% APR (Annual Percentage Rate)

Total repayment amount of HK$1,127,0342

I couldn’t get capital for expanding my business as COVID is not so serious now, but it was hard to get one from traditional banks. WeLend Business could offer up to $2 million loan size with tenor up to 48 months, no collateral is needed.
At last, I have received $1.2 million with 36 months instalment. Having capital so that I can concentrate on opening a new shop without worrying about cash flow!

Mr. Chao, French Specialty Food Importer owner

Successfully received a WeLend Business SME Loan

13.26% APR (Annual Percentage Rate)

Total repayment amount of HK$624,536

Traditional banks asked me to provide tons of documents for SME loan applications because my business involved cross-boarder trading. I submitted another application to WeLend Business, which is said to be able to remove complicated requirements. WeLend requested me to provide 3 types of documents—company bank statements, company financial statements, and Hong Kong rent proof. WeLend Business has helped me save a lot of time!

Ms. Lee, Hair Salon owner

Successfully received a WeLend Business SME Loan

11.67% APR (Annual Percentage Rate)

Total repayment amount of HK$236,013

I wanted to apply for SME loan to help with purchasing new equipment for customers. Yet, traditional banks process applications very slowly and requires me to submit different documents. I was busy and did not have time to prepare that. Introduced by friends, I found out WeLend Business could simplify the application journey by using A.I. technology. Only 3 documents were submitted, and I received the disbursement of HK$300,000 in the same day!

Loan Amount

@24-Months Tenor

Mr. Chan, E-commerce shop owner

Successfully received a WeLend Business SME Loan

8.36% APR (Annual Percentage Rate)

Total repayment amount of HK$2,172,083

Ms. Tse, Travel Agency owner

Successfully received a WeLend Business SME Loan

11.47% APR (Annual Percentage Rate)

Total repayment amount of HK$1,981,546

Mr. Lam, Local Restaurant owner

Successfully received a WeLend Business SME Loan

8.25% APR (Annual Percentage Rate)

Total repayment amount of HK$1,127,0342

Mr. Chao, French Specialty Food Importer owner

Successfully received a WeLend Business SME Loan

13.26% APR (Annual Percentage Rate)

Total repayment amount of HK$624,536

Ms. Lee, Hair Salon owner

Successfully received a WeLend Business SME Loan

11.67% APR (Annual Percentage Rate)

Total repayment amount of HK$236,013

FAQ

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.

Remarks

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.

Loan Calculator

Loan Amont

HK $

Minimum

HK$500,000

HK$1,000,000

HK$1,500,000

Tenor

Monthly Repayment

HK $

838

HK $

894

Remark

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.

Small and Medium Enterprises Loan

How to apply

Fill in application details

Get automated approval and fair quotation by A.I.

Verify identity and upload supporting documents

Complete agreement and get your cash

How to apply

Fill in application details

Get automated approval and fair quotation by A.I.

Verify identity and upload supporting documents

Complete agreement and get your cash

Mr. Chan, E-commerce shop owner

Ms. Tse, Travel Agency owner

Mr. Lam, Local Restaurant owner

Mr. Chao, French Specialty Food Importer owner

Ms. Lee, Hair Salon owner

Mr. Chan, E-commerce shop owner

Ms. Tse, Travel Agency owner

Mr. Lam, Local Restaurant owner

Mr. Chao, French Specialty Food Importer owner

Ms. Lee, Hair Salon owner

FAQ

Who can apply for WeLend Business SME loan?

How to apply for SME Loan?

Any collateral or personal guarantee required for applying WeLend Business SME Loan?

What documents should be prepared for the application?

How long is the approval time?

Important notice

Warning: You have to repay your loans. Don’t pay any intermediaries.