Hong Kong 1st Virtual Bank

PAOB SME Financing Guarantee Scheme

“90% Guarantee Product” *

*Exclusive for selected Tradelink SME clients

PAOB aims at providing flexible loan solutions to SMEs and seizing business opportunities.

90% guarantee financing solution provided by HKMCI

Selected Tradelink SME clients can enjoy the following offers:

A cap of 4.99% annualized
percentage rate (APR)1
Full rebate of guarantee fee2
No documents required to be
submitted for loan approval3
No additional fee, apart from
interest expense
Early repayment
without penalties

For enquiries, please contact Tradelink at 2599 1700 or PAOB customer service hotline at 3762 9900

Terms and conditions
To borrow or not to borrow? Borrow only if you can repay!


  1. The Further Enhancement Measures by HKMCI which take effect on 29 May 2020 provides interest subsidy for the Facility under 90% Guarantee Products. According to SME Financing Guarantee Scheme, the annual interest subsidy rate is the Facility’s annual interest rate minus 2.75%, subject to a cap of 3%. Each eligible Facility is entitled to interest subsidy for 12 months at maximum in a one-year subsidy period. Please refer to “SME Financing Guarantee Scheme Factsheet” for more details.
  2. Full rebate of guarantee fee provided by PAOB is applicable to SMEs which successfully drawdown the loan within the period from 27 October 2020 to 31 May 2021. Guarantee fee will be rebated to clients’ savings account on or before 31 August 2021. Clients should maintain an active savings account and loan account at the time when the rebate is made, and there is no overdue record. Please refer to “SME Financing Guarantee Scheme (90% Guarantee Product) Full Guarantee Fee Rebate Terms and Conditions” for more details.
  3. During loan approval, only HKID is required for identity verification, while required documents need to be provided before loan drawdown.