In 1882 Tian-cheok Lo went to Kudat, British North Borneo, where he received his early education. In 1890, he went to St. Michael School in Sandakan, B.N.B. and the Anglo-Chinese School in Singapore for further education.
In 1895, he joined the B.N.B. Government service as a post office clerk, interpreter and customs clerk and in 1900 was promoted by the late Governor E.W. Birth and sent to Tawao District Office as chief clerk in 1905, he resigned and joined his brother's business in Kudat as General Merchants and Commission Agents for the last twenty years. In 1914, he was nominated by all the Chambers of Commerce in B.N.B. as an Unofficial Member of the Legislative Council representing the Chinese community for 4 successive terms of 3 years each, resigning from the post in 1926. Mr. Lo retired from his business in 1925 and devoted his whole attention to the management of his cocoanut and rubber estates in Tamalang district, Kudat. In 1927 he was appointed by the Basel Missionary Society, Switzerland, as Trustee of the Borneo Basel Self-established Church, Kudat; he is now also member of the Kudat Sanitary Board, the Kudat Road Board and the Chinese Chamber of Commerce.