Hang Seng fully supports the SME Financing Guarantee Scheme ("SFGS")Footnote remark[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.

Step 1 Fill in the online application form
Step 2 Upload documents
Step 3 Submit

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

Apply Now

For new commercial customers, open an Integrated Business Solutions Account ("IBS Account") or Biz Virtual+ Account now to accelerate the loan withdrawal.

Act Now

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 AmountFootnote remark[3]




Maximum Guarantee Period

10 years

5 years

7 years

Application Privileges

Full Guarantee Fee WaiverFootnote remark[1]

Enjoy Handling Fee Waiver and up to HKD100,000 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

To know more
Please contact your Relationship Manager, call
2198 8022 or
click the “Live Chat” tab on the right hand side of the screen

If you need:

  • Overdraft Facility for short-term financial needs

  • Fully online application and approval-in-principle result in 3 minutes

You can choose to apply Hang Seng Business Loan online!

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