Special 100% Loan Guarantee under the SME Financing Guarantee Scheme

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Product highlights

A new 100% guarantee financing solution provided by HKMC Insurance Limited (HKMCI)

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+852 2748 8238

(Service Hour: Mon-Fri 9am-6pm)

We are committed to standing alongside you during this difficult time. That’s why we are making full use of our digital capabilities and extensive branch network to offer as much support as possible for your application to the Special 100% Loan Guarantee under the SME Financing Guarantee Scheme. This new financing solution, introduced by HKMC Insurance Limited (HKMCI), aims to help SMEs alleviate some of the anxiety of paying wages and rent in this tough operating environment.

What is this loan?

Term loan facility up to HK$5,000,0001 Repayment period up to 5 years
Fixed monthly instalment amount Interest rate 2.75% p.a.2
NO guarantee fee 3 Optional principal moratorium

Who can apply?

 
 
 
Companies operating and registered in Hong Kong4
 
Companies with a valid Business Registration Certificate
 
Not a listed company, lending institution or the lender’s affiliates
 
Companies with at least 30% decline in sales turnover since February 20205

How to apply

You have two options to apply for the 100% Guarantee Loan.

Option 1 - Apply via the online portal

  • Step 1: Please access the 100% Guarantee Loan Online Application Portal.
    Apply now
  • Step 2: Complete all the panels where the portal will prompt the supporting documents required based on your input.
  • Step 3: Upload the supporting documents – Please note that you can only upload PDF or Excel files.
  • Step 4: Submit the application
  • Step 5: Upon completing the online application, the portal will pre-populate the 100% Guarantee Loan application form and supplementary documents. Please download all the documents. If you do not download these files, you will NOT be able to retrieve them later and will be required to complete the online application again.
  • Step 6: Please print, sign and deliver all completed forms above to the below mentioned Document Collection Points or send by post to "Business Loans Team” at 8/F, Tower 3, HSBC Centre, 1 Sham Mong Road, Kowloon, Hong Kong. Application will only be processed when all supporting documents and signed forms have been received.
  • Step 7: Please ensure your bank recorded correspondence details are up-to-date - application result will be notified by post or email.

Option 2 - Apply using the smart form application

Step 1: Please download and complete ALL the below forms*, and save all the forms in your local drive.

Application forms Completion Guidance

Application Form For 100% Guarantee Loan (PDF, 3.29MB)

Completion Guidance (PDF, 21.34MB)

Acknowledgement and Undertaking (PDF, 55KB)

Completion Guidance (PDF, 2.23MB)

Guarantee by Individuals (PDF, 487KB)

Completion Guidance (PDF, 8.84MB)

SME Financing Guarantee Scheme - Application Form (PDF, 509KB)

Completion Guidance (PDF, 16.39MB)

SME Financing Guarantee Scheme - Acceptance of conditions (PDF, 122KB)

Completion Guidance (PDF, 4.35MB)
  • Step 2: Send only the HSBC "100% Guarantee Loan Application form" (soft copy – the completed version you saved in your local drive) to sfgs100@hsbc.com.hk with subject “100% Guarantee Loan_[your Company name]”. Please do not submit scanned copy of the application form or any other document(s) to the aforementioned email address.
  • Applicable percentage of equity interest for Personal Guarantee requirement under the 100% Guarantee Loans has been reduced from minimum >70% to >50% as announced by HKMCI on 29May2020 with immediate effect.

  • Step 3: Submit all the completed forms (5 sets of form in total) along with relevant supporting documents to the below mentioned Document Collection Points or send by post to "Business Loans Team” at 8/F, Tower 3, HSBC Centre, 1 Sham Mong Road, Kowloon, Hong Kong. Application will only be processed when all supporting documents and signed forms have been received.
  • You will receive a system generated email confirmation upon our receipt of your application. For further enquiry, please email telemarketingcmb@hsbc.com.hk.
  • Application result will be notified by post. Please ensure your bank recorded correspondence address is up-to-date.

* Ensure that you have Adobe Acrobat Reader version 9.0 or above. To obtain the most recent version, please visit www.adobe.com.

Apply for Principal Moratorium and / or Loan Tenor Extension (existing customers only)

  • Step 1: Please download and complete the below form, and save the form in your local drive.

    Application form for Principal Moratorium and/ or Loan Tenor Extension (PDF, 1.08MB)

  • Step 2: Submit the completed form to the below mentioned Document Collection Points or send by post to “Business Loans Team” at 8/F, Tower 3, HSBC Centre, 1 Sham Mong Road, Kowloon, Hong Kong. Application will only be processed when signed forms have been received.

Application result will be notified by post. Please ensure your bank recorded correspondence address is up-to-date.

Additional support

Arrange a call back
Simply leave your contact online and we will call you back at your convenience.
  Arrange a call back
Dedicated service hotline
A dedicated SFGS100 hotline A dedicated SFGS100 service hotline – (852) 2748 8238 – is now available.
(Service Hour: Mon-Fri 9am-6pm)
Webinars and Zoom tutorials
A series of webinars and Zoom virtual tutorials for you to gain further understating in the scheme and application process.
Multiple document collection points across HSBC branch network
During application period, you can submit physical forms and supporting documents at HSBC Business Centres and selected retail branches for added convenience.

Notes:

  1. Term loan facility amount up to HK$5,000,000 or total amount of employee wages and rents for twelve months, whichever is lower. If an enterprise has neither wages nor rental payments, the calculation can be replaced by half of the highest monthly net income before tax in 2019 multiplied by twelve.
  2. Loan is priced at HSBC Best Lending Rate -2.25% for the life of the loan.
  3. Guarantee fee is waived by HKMCI.
  4. Companies must be registered in Hong Kong and have been in operation for at least 3 months as at end December 2019.
  5. Companies have suffered at least 30% decline in sales turnover in any month since February 2020 compared with the monthly average of any quarter in 2019.

Reminder: “To borrow or not to borrow? Borrow only if you can repay!”

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