SME Banking Services

BCM bank is devoted to support local SMEs with our comprehensive and dynamic banking services. Whether you want to restructure or continue to develop your business, BCM bank is always your best partner!

SME Loan Services

With a team of professional and experienced expertise, BCM bank is proud to provide you with the best quality of SME services. We fully support the SME Development Plan sponsored by Macau SAR Government and actively participate in the "SME Loan Guarantee Scheme" and "SME Specific Loan Guarantee Scheme" by providing customized loan services to your enterprise(s) for the syndication needs.

Besides, BCM bank also provides customers with ”Overdraft Facility”, “Working Capital Loans” and “Medium and Long Term Loan”, accompanied by affordable credit line based on flexible security requirements and repayment schemes structured to match your cash flow projections. This will ease the pressure on working capital and funding needs in your business planning.

Renminbi Services

BCM bank is pleased to provide full range of Renminbi services including deposit, exchange, transfer and remittance to support the needs of SMEs in growing the business in Mainland China, aiming to graph every golden opportunity generated by the increasingly important business connections between Mainland China and the Macau S.A.R.

Trade Finance

BCM bank provides the Importing and Exporting Business with the following services

Import	Export
Issuing Letter of Credit Import Bills Collection Trust Receipt Shipping Guarantee Import Invoice Financing	Advising and confirming LC Transferring LC Export Bills for Collection Purchasing D/P or D/A bills Negotiating Export Bills under LC Packing Loan Export Invoice Discounting

Bank Guarantee

Different kinds of bank guarantee are ready for companies in facilitating their project planning and financing in different aspects or for different purposes, namely: Tender Bonds, Performance Bonds, Advance Payment Bonds, Retention Bonds, Standby Letter of Credit and so forth.

Insurance Services

Together with Macau Insurance Company and Tahoe Life Insurance Company (Macau) Limited, we have the expertise to tailor-made all sorts of insurance and pension fund services to meet the needs of various industries, corporations and shops, ranging from Signboard Insurance, Property Insurance, Employee Compensation Insurance, Motor Fleet Insurance to Group Medical Insurance Plan, Group Life Insurance Plan and Pension Fund Services.

Cash Management Service

Our innovative products and service channels allow customers to effectively and efficiently manage its accounts and cash flows.

• Savings and Current Account
• Time Deposit
• Remittance Service
• Foreign Exchange
• Account Transfer
• Outward and Inward Cheque Collection
• Payroll and Autopay Service
• Wide Variety of Payment Methods (ATM and Remittance Service)
• Innovative Electronic Channels (TeleBCM and BCM Net)

Payroll Service

With BCM’s Payroll Service, you can save your precious time in handling large amount of cheque or cash whilst your employees can conveniently withdraw the money on the date of payroll.

Investment Services

BCM bank offers various investment alternatives, including Securities and Bonds Trading and dividends collections in Hong Kong and worldwide markets. Customer can easily cross check all the transaction records by referring to the monthly statement and transactions confirmations issued by the bank.

Credit Card Merchant Service

• Special discount on commission for new applications|
• Support marketing programs for spending with credit cards

Account Opening at Dah Sing Bank

Being a member of Dah Sing Banking Group, BCM bank can assist and refer you to open an account at Dah Sing Bank in Hong Kong to enable easy management of your funding in and out of the territory. This can help you efficiently settle payment of or receive money from your partners and customers in between Hong Kong and Macau.

Car Park Finance

Having a private parking lot in Macau means more than just saving you the trouble of finding a parking space. Your investment will bring you long term benefits when property value rises. To start enjoying these advantages, talk to us now about our Car Park Loan service and find out how our excellent terms can work for you:

General loan amount
Take out a car park loan as much as 70% of appraisal value or purchase price (whichever is lower) - even if you do not have a mortgage with us.

Competitive terms
Talk to us to learn about our competitive interest rate and flexible repayment terms of up to 15 years.

Please call our SME Hotline for details:

Mr. Vong Tel：8791 0236
Ms. Pang Tel：8791 0235