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SME Loan Guarantee Scheme


The SME(1) Loan Guarantee Scheme covers the following two types of loans:

Types of Loan
Characteristics
Business Installations and Equipment Loans
Assist you to acquire business installations and equipment(2) to enhance business efficiency
SME loan amount up to HKD10,000,000 or 90% of the equipment's purchase price, whichever is lower
Tenor up to five years
Working Capital Loans
Extra funds for your company to meet working capital needs of general business uses so as to grasp opportunities for business expansion
SME Installment loan amount as high as HKD2,000,000
Tenor up to two years

Apply online and enjoy $100 Commercial Card Cash Dollars upon approval(3,4)!

Notes:
(1) The Government of the HKSAR defines SMEs as any manufacturing business that employs fewer than 100 persons in Hong Kong; or any non-manufacturing business that employs fewer than 50 persons in Hong Kong.
(2) Business installations and equipment may include machinery, tools, computer software and hardware, communication system, office equipment, transport facilities, furniture and fixtures (e.g. air-conditioning system, built-in cabinets and lighting system, etc. Decoration works are not included.)
(3) Only applicable to customers who hold a valid Hang Seng Commercial Card. After successfully applying for the loan online, if a customer spends or makes cash advances at least once within 2 months after loan drawdown, $100 Cash Dollars will be credited to the Commercial Card account used to make the first spending or cash advance by the company within 8 to 10 weeks after the posting date of the relevant spending or cash advance transaction. Use of Cash Dollars is subject to the terms and conditions for Hang Seng Credit Card Membership Rewards Program. For details of the Cash Dollars reward, please visit Hang Seng Commercial Card webpage.
(4) The Bank reserves the right to change this offer and the related terms and conditions without prior notice. In case of disputes, the decision of the Bank shall be final.
 
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