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Smart Relief Loan Program

Smart Relief Loan Program

Supporting you when disaster strikes.

If you are a small business owner located in state served by Cathay Bank1 and have been affected by the pandemic, we’re here to help. Offering low interest rate short-term business loans to support you during this unprecedented time, our Smart Relief Loan Program is designed with your needs in mind.

  • 18-month term loan with a loan amount ranging between $5,000 to $10,000
  • 0% interest rate and no payments for the first six months; 2% interest rate from months seven through 18 with full amortization of fixed principal and interest due monthly
  • Submission of interim financial statements not required
  • Application fee of $50 waived

We are also available to handle all your banking needs. Start your banking relationship with us today by visiting or calling your nearest Cathay Bank branch.

Terms and conditions apply. Loans subject to credit approval. A Cathay Bank checking account is required.



  1. Must be in business for at least one year, have an annual revenue of no more than $1 million and located within Cathay Bank’s assessment area in California, New York, Washington, Illinois, Texas, Maryland, Massachusetts, Nevada, or New Jersey
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