ZA Bank, Virtual Bank

ZA Bank, Virtual Bank

ZME $18M Loan
$18M hassle free financing

ZA Bank is the first virtual bank in Hong Kong to offer a financing guarantee facility of up to HKD 18 million, helping you get through the operational challenges.
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*Terms and Conditions apply, To borrow or not to borrow? Borrow only if you can repay.

ZME $18M Loan SME Financing Guarantee Scheme (80% Guarantee Product-revolving loan)

The ZME $18M Loan, which is an 80% Guarantee Product - Revolving Loan under the SME Financing Guarantee Scheme launched by the HKMC Insurance Limited, helping you get through the operational challenges.

Facility amount up to HKD 18 million[1]

Guarantee fee fully subsidised[2]

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

[1]The maximum loan amount per borrower for the “80% Guarantee Product” under the SME Financing Guarantee Scheme (SFGS) is HKD 18 million(at any point of time, including credit facilities guaranteed under the 80% Guarantee Product and 90% Guarantee Product). SFGS is offered by the HKMC Insurance Limited (HKMCI).

[2]Guarantee fee amount is reviewed by the HKMCI and its decision shall be final. The offer is effective until 31 December 2021. Terms and Conditions apply.

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ZME $18M Loan SME Financing Guarantee Scheme (80% or 90% Guarantee Product-instalment loan)

We offer 80% or 90% Guarantee Product - Intsalment Loan under the SME Financing Guarantee Scheme which give you another choice for loan application.

Facility amount up to HKD 18 million[1]

Repayment period up to 7 years[2]

Support Principal moratorium[3]

Repayment Calculator
To borrow or not to borrow? Borrow only if you can repay.

[1]The maximum loan amount per borrower for the “80% Guarantee Product” and “90% Guarantee Product” under the SME Financing Guarantee Scheme (SFGS) are HKD 18 million and HKD 8 million respectively (at any point of time, including credit facilities guaranteed under the 80% Guarantee Product and 90% Guarantee Product). SFGS is offered by the HKMC Insurance Limited (HKMCI).

[2] The maximum repayment tenor for “80% Guarantee Product” is 7 years, applicable to applications received by the HKMCI by 30 June 2022; the maximum repayment tenor for “90% Guarantee Product” is 5 years.

[3]The maximum principal moratorium is 18 months in aggregate, applicable to applications received by the HKMCI by 31 December 2021. Please refer to “SME Financing Guarantee Scheme Factsheet” for details.

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ZME Revolving Loan Business Revolving Loan

We offer unsecured revolving term loan with flexible drawdown date and repayment term. No interest is payable on unused credit.

No collateral required

Revolving credit line

HK$0 arrangement fee for SME

Check your repayment schedule online

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