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Working Capital Term Loan for small businesses

Fixed monthly instalments reduce the pressure of a one-off repayment at maturity.

Key benefit

Short-term working capital loans will help improve your daily operational cash flow and capital liquidity.

Key features

  • Fixed monthly instalments, reducing the pressure of a one-off repayment at maturity
  • We accept multiple ways to guarantee your loan: eg real estate, savings deposits, or pre-approved company guarantee letters

Contact us

HSBC Fusion customer service hotline


Monday-Friday: 8 am-7 pm

Saturday: 8 am-4 pm

Please dial the country code of mainland China +86 if you are calling from overseas, Hong Kong SAR, Macau SAR, or Taiwan

Find a branch near you with HSBC Fusion services


Small businesses approved and registered by the State Administration for Industry and Commerce of the People's Republic of China.

Related products

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We give you the flexibility to manage your funds easily and efficiently. You can ask for a drawdown as long as the total drawdown amount does not exceed the approved limit.

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Whether you're expanding your business through the purchase of fixed assets, such as machinery, or acquiring self-use commercial property, we're here to support you with our fixed asset loan for a term of up to 5 years.

Fusion - a new service for the business of life

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See a clear, organised snapshot of your business and personal finances.

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Connect to the services and support you need to get everything done.

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Get special access to funding, advice and opportunities.

Frequently asked questions