80% Guarantee Product under the SFGS

A 80% Guarantee Product under the SME Financing Guarantee Scheme provided by the HKMCI.

Product highlights

  • Helps SMEs obtaining financing by a 80% guarantee provided by the HKMC Insurance Limited (HKMCI)
  • Provides financing for working capital and acquisition of equipment or assets for business operations

Features and benefits

  • Facility amount up to HKD18,000,000
  • Repayment period up to 7 years
  • Instalment loans, overdraft, trade finance facilities available

Promotional offer

From now until 31 March 2025, successful applicants of 80% 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.*


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

Learn more

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



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