Its SMA now

From now until 30 November 2023, SME customers who have successfully applied for
PAObank Trade-Connect Loan or Business Instalment Loan and drawdown
(on or before 31 December 2023) can enjoy up to HK$15,000 Cash Rewards*

Loan AmountCash Rewards*
HK$2,000,000 to HK$3,999,999HK$5,000
HK$4,000,000 to HK$5,999,999HK$10,000
HK$6,000,000 to HK$8,000,000HK$15,000
  1. No documents required to submit for loan approval1
  2. "5-Day Service Pledge" from successful loan application to drawdown2
  3. Pre-approved loan amount up to HK$8,000,000
  4. "0" handling fee
  5. Early redemption without penalty fee, interest calculation on daily basis
  6. Applicable to SME Financing Guarantee Scheme3
  7. Repayment period up to 60 months
  1. Loan amount up to HK$5,000,000
  2. "0" handling fee
  3. Early redemption without penalty fee, interest calculation on daily basis
  4. Applicable to SME Financing Guarantee Scheme3
  5. Repayment period up to 60 months

For enquiries, please contact PAObank customer service hotline at 3762 9900.

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


Terms and Conditions apply
*Eligible customer should complete the drawdown on or before 31 December 2023. The Cash Rewards will be credited into the Eligible Customer’s savings account in Hong Kong Dollars on a date with 5 to 6 weeks after the required repayments of the relevant Eligible Loan have been paid.
1. For selected customers, during loan approval, only HKID for identity verification and application form are required, while required documents need to be signed before loan drawdown.
2. Within 5 business days upon submission of loan application. It is also subject to the completion of documents to be provided and signed. For more details, please refer to “5-Day Service Pledge” Terms and Conditions.
3. Subject to the approval from HKMCI on each loan application.