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Smart Loans

Flexibility for the road ahead

Cover your cash flow with a Smart Loan.

Cathay Bank offers several affordable working capital lines of credit to help small businesses prosper and grow. The three “Smart” loans have simplified underwriting and documentation requirements, reduced collateral, and a streamlined application process for profitable businesses with good business and personal credit history.



Loan Amount Minimum Years in Business

Smart Micro Loan

$5,000 - $10,000


Smart Capital Loan

$10,001 - $50,000


Premium Smart Capital Loan

$50,001 - $250,000


Premium Smart Capital Loans
Get WSJ Prime Rate +0.00%

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Cathay Bank

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Our bankers are happy to assist you with all your Business Lending needs. Please reach out for more information.