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Business Instalment Loan is Standard Chartered Bank’s innovative facility targeted at SME’s.

Water, Waterfront, Port

Business Instalment Loan is Standard Chartered Bank’s innovative facility targeted at SME’s.

Business Instalment Loan

Address your cash or expansion needs today. Our business instalment loan is an unsecured business term loan that gets your funds fast, when you need it.

How to apply


  • SMEs registered in a domestic city limited by Standard Chartered Bank (China) (the specific city of registration shall be as specified by Standard Chartered Bank (China) from time to time).
  • With registered business operation of at least for 3 years
  • Minimum Annual Sales Turnover: RMB 3.4 million
  • Application by the legal representative


  • A1: No, this product is clean and requires no collaterals; however, Personal Guarantee is necessary.

  • A2: 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.

  • A3: There is NO fee required for application submission. Our Relationship Manager will provide you the latest information on the pricing range.

  • A4: Please contact us through any of the following channels: the Bank’s official website; SME Customer Service Hotline: 956083; and our nearest branch or sub-branch to your location.


  1. For Business Instalment Loan:
  • Lending product’s annualized interest rate is calculated based on simple interest methodology;
  • Repayment method is Monthly Equal Instalments, with remaining/ outstanding principal as the calculation base of annualized interest rate.
  1. 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.