Product Overview

Bank of China provides working capital loans to enterprises and public institutions to meet various funding needs arising from day-to-day operations and to ensure operational liquidity. The major scenarios include procurement of raw materials, payment of utilities and other routine operating expenses, and payment of employee salaries.

Application Channel

Apply through your account manager.

Required Documents

Applications for working capital loans should be submitted in writing with materials such as business license, ownership structure chart, financial statement, and procurement contracts or commercial contracts.

Notes

The tenor of working capital loans generally does not exceed three years. For businesses with longer cash conversion cycles, the tenor may be appropriately extended, up to a maximum of five years.