SME Financing Guarantee Scheme

The facility amount of Special 100% Loan Guarantee has been increased to up to HKD9 million

Apply now 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: 

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

Digital Services

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

Contact Us 

Business Partner Direct
Call 2198 8022
Contact your Relationship Manager
Contact your Relationship Manager

SFGS 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

10 years


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

  1. The SFGS is provided by the HKMCI, a wholly-owned subsidiary of the Hong Kong Mortgage Corporation Limited (“HKMC”). 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 HKMC.