Special 100% Loan Guarantee under the SFGS

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The Special 100% Loan Guarantee financing solution provided by HKMC Insurance Limited (HKMCI)

Important Notice to Customers:

  • According to the Hong Kong Mortgage Corporation Insurance Ltd.’s guidelines, all applications for the Special 100% Loan Guarantee under the SME Financing Guarantee Scheme (“SFGS100”) from the same company are to be processed by the same lender. This means that if you have already received an SFGS100 facility through another bank, HSBC will be unable to process your new SFGS100 application and you will have to seek assistance from your current SFGS100 lender
  • If your company has received loan facility under SFGS100 via HSBC before 31 March 2022 and would like to apply for a new loan facility under the SFGS100 enhanced scheme, please contact your Relationship Manager or call 2748 8238 for assistance. You may also download the application forms in this page, fill them out and mail them together with all supporting documentation to our "Business Loans Team” at 8/F, Tower 3, HSBC Centre, 1 Sham Mong Road, Kowloon, Hong Kong, for processing
  • If your company is an HSBC existing customer and plans to apply for your first SFGS100 with us, please call 2748 8238 to schedule an appointment at our Business Centre. Please note that our Centre is unable to process walk-in requests for SFGS100 applications
  • Due to a large expected volume of applications in April and May paired with reduced capacity at our Business Centres under the current social distancing guidelines, we appreciate your understanding that new SFGS100 submissions may require a longer processing time than under normal conditions. We look forward to continuing to serve you and your business finance needs during this challenging time. Thank you for your patience and cooperation

The Special 100% Loan Guarantee under the SME Financing Guarantee Scheme, launched by HKMC Insurance Limited (HKMCI), aims at enhancing cash flow support for local small and medium-sized enterprises and helping them obtain financing through participating lenders.

What is SFGS100?

Term loan facility up to HK$9,000,0001 Repayment period up to 10 years
Fixed monthly instalment amount Interest rate 3.625% p.a.2
NO guarantee fee 3

Who can apply?

Companies operating and registered in Hong Kong5

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 20206

How to apply

  • Please download and complete ALL the below forms*
  • Please ensure that you are using the latest versions of forms as below in submitting SFGS100 application. We are unable to process applications with older versions of forms. Apologies for any inconvenience caused.

Application forms

Application Form For 100% Guarantee Loan (PDF, 1.06MB)

Acknowledgement and Undertaking (PDF, 55KB)

Guarantee by Individuals (PDF, 487KB)

SME Financing Guarantee Scheme - Application Form (PDF, 971KB)

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

SME Financing Guarantee Scheme - Supplemental Information Sheet (Optional)(PDF, 156KB)

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

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.

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

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+852 2748 8238

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



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