Hengxiaohua is an online microfinance platform, and the lending time is generally within 1-3 working days after submitting the application. The specific arrival time is also affected by factors such as bank processing time. Generally speaking, funds will arrive in 1-2 working days. However, in case of holidays or banking system maintenance, it may be delayed. If you need more specific information, it is recommended to contact Hengxiaohua Customer Service for consultation.