Personal Loan


Offering loan amount up to HK$2 millions, helping you manage financial expenses flexibly.

Vehicle Loan


Covering up to 100% of the car price, first year license fee and insurance.

byonRIDE x Inchcape

An exclusive financing program for Inchcape’s customers. Designated vehicle models can enjoy guaranteed buy-back value or balloon payment.

SME Business Microloan


Non-Collateral, Agile Microloan Solutions for SME Owners, Connecting Opportunities with Capital

Renovation Loan


Creating Budget Flexibility for Your Dream Home Renovation!



Non-Collateral, Agile Microloan Solutions for SME Owners, Connecting Opportunities with Capital

Up to HK$2,000,000
Any businesses established 1 year or above
(in name of an individual or a company)
Repayment Period
Up to 5 years
Approval Process
As fast as within 24 hours, with simple documents and no collateral requirement*
*For applications in the name of an individual only
Business Expansion
Without Restriction
Help you stabilize the company's working capital and increase liquidity, empowering owners to fully unleash business potential.
Flexible Solutions
To Capture Immediate Opportunities
Unlike traditional SME loans, byonCONNECT's quick and simple application process enables you to make faster business moves!
Uncover new possibilities in business, with BYON as your backing.

Start a New Chapter in Business, Just the Way You Pursue

Transforming Business Under the Pandemic
The cafe has been opened for three years. With fewer people dining out and more people working from home, we are facing an urgent need to transform the business. To broaden the customer base, we decided to set up an O2O platform to sell also the coffee beans. I learned about byonCONNECT's loan solution through a friend. Unlike traditional SME loans,there is no collateral requirement and is eligible for sole proprietors like myself. It only took three days from application to receiving the money, which was very helpful!

- Sofia
Annualized Percentage Rate
Repayment Period
24 months
Monthly Repayment Amount
HKD 8,894
Starting My Own Business
Having worked in the travel industry for more than ten years, I began to feel that I had reached the bottleneck in career and came up with the idea of ​​starting my own business. With the support of family and friends, I set up a new form of travel agency specializing in study tours to introduce foreign cultures and their creativity. As the business expands, I also need more working capital to cover the various operational expenses, especially in challenging times. byonCONNECT provides a flexible repayment period of up to 5 years, which helps with protecting the business' cash flow.

- Jackson
HKD1.5 m
Annualized Percentage Rate
Repayment Period
60 months
Monthly Repayment Amount
HKD 30,550
Looking to expand your business or improve cash flow?
Repayment Period
6 months
60 months

Monthly Repayment Amount


* The above monthly repayment amount is calculated based on a monthly flat rate of 0.15% and an annualized percentage rate not higher than 3.51%, depending on the repayment period.
The repayment amount and period shown on the calculator are for reference only.

Create New Possibilities for Business in 3 Simple Steps

online application
Fill in the information and you're one step closer!
Design a solution
1-on-1 personalized customer services and solution. No hidden charges or handling fees.
With our fast approval process, you can get the cash as fast as within 24 hours.
Apply Now

Click here for more information.

Looking for Financing Options with Higher Amount?

Contact the BYON team to further design customized solutions that meet your business needs, with a loan amount up to HKD5,000,000. No handling fee would be charged.

Learn More

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Please note that BYON website will be undergoing maintenance on 29th March, 2023 (Wednesday) from 7pm to 9pm. During this period, our website will be temporarily unavailable.