• No need for collaterals — real clean financing solution eliminates financing bottlenecks faced by SME customers due to lack of suitable collaterals.
  • Simple process — easy application, fast approval and drawdown in time.
  • Flexible loan tenor (1-3 years) and amount (RMB 100,000 ~ 1,500,000).
  • Monthly instalment repayment — alleviating burden of interests and large-sum principal repayments at the end of loan tenor.
  • Available in cities where there is SME service of Standard Chartered Bank.

How It Works

  • Non-revolving loan.
  • Fixed instalment repayment — the same repayment amount every month.
  • Loan amount can be topped-up upon good credit records.


  • Eligible for local and foreign invested SME:
    • Sole proprietorship; or
    • Partnership; or
    • Private limited company; or
    • Shareholding limited company
  • With registered business operation of at least for 3 years
  • Minimum Annual Sales Turnover: RMB 3.25 million


    • Is there any collaterals required under this product?

      No, this product is clean and requires no collaterals; however, Personal Guarantee is necessary.

    • What's the eligibility for the loan application and loan amount?

      The eligible loan amount depends on some factors, which are associated with the borrower's capability to serve the monthly repayment. Our Relationship Manager will help you to estimate how much you can apply for.

    • What are the interest rate and other fees?

      There is NO fee required for application submission. Our Relationship Manager will provide you the latest information on the pricing range.

    • How long would it take for loan approval?

      Loan approval normally takes 5-7 working days from the time of documents completeness.

    • What are the required documents for loan application?
      The documents required include but not limited to the following:
      • Loan Application Form;
      • Business License, Tax Registration Certificate, Organization Code Certificate, Memorandum and Articles of Association, Resolutions or Decisions (if applicable) and Verification Report of Paid-up Capital;
      • Taxable income documents for the latest 6 months;
      • Bank Statement; and
      • Personal Guarantor's ID Copy.
    • How can I apply for this loan?
      The documents required include but not limited to the following:
      • Our Website (STREAM Online);
      • SME Customer Service Hotline 800 988 0018; and
      • Our nearest branch or sub-branch to your location.

Note: This material is for reference only, and does not constitute offer or invitation for offer of any financial service or product. Please refer to relevant service or product terms for details of the service or product. Standard Chartered Bank (China) limited (the "Bank") may alter any contents herein at its sole discretion at any time, and please make sure to check with your Relationship Manager for details. The Chinese version shall prevail in case of a discrepancy between the English version and Chinese version.

Call Us

Call our hotline for further information.
(0830-1800, Monday to Friday)

800 988 0018 (Telephone)
400 888 8393 (Mobile)

Get in touch

Alternatively, please complete our contact form and we will be in touch as soon as possible.

Get in touch »

Locate Us

Visit the branch that is nearest to you.

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