90% Guarantee Product under the SFGS

A 90% Guarantee Product under the SME Financing Guarantee Scheme provided by the HKMCI.

Product highlights

  • Helps SMEs obtaining financing by a 90% guarantee provided by the HKMC Insurance Limited (HKMCI)
  • Provides financing for working capital

Features and benefits

  • Facility amount up to HKD8,000,000
  • Available with Business Instalment Loan
  • Repayment period up to 5 years

Promotional offers

From now until 31 March 2024, successful applicants of 90% Guarantee Product under the SME Financing Guarantee Scheme can enjoy full subsidy for the first year and 50% subsidy for second year on guarantee fee.*

Successful applicants on or before 31 March 2024 can enjoy 1% handling fee waiver for the whole tenor period^.

Eligibility for the 90% Guarantee Product under the SFGS

  • Companies operating and registered in Hong Kong
  • Possessing good loan repayment record
  • Not a lending institution or the lender's affiliates

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

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

Learn more about our financing solutions

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



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