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
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80% Guarantee Product under the SFGS
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A 80% Guarantee Product under the SME Financing Guarantee Scheme provided by the HKMCI.
Features and benefits
- Facility amount up to HKD18,000,000
- Repayment period up to 10 years
- Instalment loans, overdraft, trade finance facilities available
- Available with Business Instalment Loan
Product comparison
80% Guarantee Product under the SFGS | ||
|---|---|---|
Business Instalment Loan | Banking Facility | |
Facility Type | Instalment Loan | Instalment Loan; Term Loan; Hire Purchase and Leasing Facility; Overdraft Facility; Trade Facility; Revolving Loan; Receivable Financing |
Maximum Facility Amount | HK$3,000,000* | HK$18,000,000 |
Maximum Facility Period | 5 years | 10 years |
Application Process | Log on your Business Internet Banking and apply online application through digital lending platform& and view further details, including Key Facts Statement and Terms and Conditions. | |
* The maximum facility amount per online application submitted through digital lending platform is HKD1,500,000. All applications are subject to HSBC’s credit assessment on an individual case basis and final approved by HKMCI.
Please click Log on and apply now for review the Key Fact Statement
& For more information on digital lending platform, please visit https://www.business.hsbc.com.hk/en-gb/campaigns/digital-lending.
Relief Arrangements under SME Financing Guarantee Scheme
Promotional offer
From now until 31 March 2027, 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#.
Successful applicants of Business Instalment Loan with 80% Guarantee Product under the SME Financing Guarantee Scheme on or before 31 March 2027 can enjoy 50% off handling fee^ for the whole tenor period.
# The application period for the subsidy ends on 31 March 2027. Subsidy offer is up to HKD50,000 for each successful applicant. The decision of The Hongkong and Shanghai Banking Corporation Limited on application approval shall be final and conclusive. Refer to application form for terms and conditions.
^ The prevailing handling fee is 1% per annum on the original loan amount. The application period for the offer ends on 31 March 2027.
Please contact us on +852 2748 8278 for the pricing and more details.
Eligibility
- Companies operating and registered in Hong Kong for at least one year
- Possessing good loan repayment record
- Not a listed company, lending institution or the lender's affiliates
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Reminder: "To borrow or not to borrow? Borrow only if you can repay!"
Contact us
Call us on
+852 2748 8278
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Get in touch to learn more about our banking solutions and how we can help you drive your business forward.