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Smart Loans

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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.

LoanLoan AmountMinimum Years in Business
Smart Micro Loan$5,000 - $10,0001+
Smart Capital Loan$10,001 - $50,0002+
Premium Smart Capital Loan$50,001 - $250,0003+
Smart Capital Plus Program$250,001 - $999,0003+
Cathay Bank

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