Hang Seng fully supports the SME Financing Guarantee Scheme ("SFGS")(1), now with the launch of the Online Application for SFGS, commercial customers can simply complete an online application form, upload documents and click the submit button, just 3 simple steps and it’s done.

Act now to apply for SFGS and upload the required documents online.

Major Features of SFGS


Special 100% Loan Guarantee

90% Guarantee Product

80% Guarantee Product

Facility Type

Instalment Loan

Instalment Loan; Term Loan

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

Maximum Facility Amount(2)




Maximum Guarantee Period

36 months
(with an optional principal moratorium for up to the first 12 months)

5 years
(with an option of principal moratorium for up to the first 6 months)

7 years

Application Privileges

Full Guarantee Fee Waiver

Enjoy Full Handling Fee Waiver and Full Guarantee Fee Subsidy

Enjoy up to HKD50,000 Guarantee Fee Subsidy, and successfully apply for trade facilities under SFGS can enjoy an extra HKD5,000 Trade Service Fee Discount Coupons

Logon to Hang Seng Business e-Banking now and register for BERI Fun Rewards. Complete SFGS online application

and other designated tasks to win up to HKD800 F&B or other cash coupons Know more