SME Financing Guarantee Scheme

Online application for Special 100% Loan Guarantee has been launched!

Apply online to enjoy fabulous privileges.

Know More  

Your Priority for Financing as an SME Owners:

Helping SMEs obtaining financing by a guarantee provided by the HKMC Insurance Limited ("HKMCI").

SME Financing Guarantee Scheme ("SFGS")¹: 

Financing solutions to help you enhance the productivity and competitiveness amid dynamic business environments.

Digital Services

Apply Online and Submit Documents
Apply Online and Submit Documents
Click Here  

Contact Us 

Business Partner Direct
Call 2198 8000
Contact your Relationship Manager
Contact your Relationship Manager

Main Feature Highlights:


      80% Guarantee Product

     90% Guarantee Product

      Special 100% Loan Guarantee  

Facility Type

  • Instalment Loan
  • Term Loan
  • Revolving Loan
  • Overdraft Facility
  • Trade Facility
  • Instalment Loan
  • Term Loan
  • Instalment Loan

Maximum Facility Amount




Maximum Guarantee Period

7 years

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

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


To borrow or not to borrow? Borrow only if you can repay!

  1. The SFGS is provided by the HKMCI. A guarantee fee will be applied and is subject to the credit facility amount, bank interest rate and the guarantee coverage as determined by the HKMCI from time to time. For details, please visit the website of the HKMCI.