Hang Seng fully supports the SME Financing Guarantee Scheme ("SFGS") (1), helping SME to enhance their productivity and competitiveness amid the rapidly changing business environment in order to grasp every business opportunity.

Major Features


80% Guarantee Product

90% Guarantee Product  

Facility Type

Instalment Loan; Term Loan; Revolving Loan; Overdraft Facility; Trade Facility

Instalment Loan; Term Loan

Maximum Facility Amount(2)



Maximum Guarantee Period

7 years

5 years

Application Privileges

Enjoy up to HKD100,000 Guarantee Fee Subsidy, and successfully apply for trade facilities under SFGS can enjoy an extra HKD5,000 Trade Service Fee Discount Coupons.

Enjoy Full Handling Fee Waiver and Full Guarantee Fee Subsidy(3)