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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 8 years

Promotional offers

From 1 Apr 2024 to 31 March 2025, successful applicants of 90% Guarantee Product under the SME Financing Guarantee Scheme can enjoy up to HKD50,000 subsidy on guarantee fee*.

Successful applicants on or before 31 March 2025 can enjoy 50% off handling fee 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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