SME Loan Solutions

Swifter loan approvals with big data for fund flexibility to support business growth

SME Financing Guarantee Scheme1 is provided by the HKMC Insurance Limited aiming to help local small and medium-sized enterprises and non-listed enterprises obtain financing for meeting their business needs so as to enhance their productivity and competitiveness in the rapidly changing business environment.
Product Features
  80%Guarantee Product 90%Guarantee Product
Application Period From 31 May 2012
to 31 March 2026		 From 16 December 2019
to 31 March 2026
Facility Type • Term loan
• Revolving Loan		 Term loan
Maximum Guarantee Period 7 years 5 years
Maximum Loan Amount HK$18,000,000 HK$8,000,000
Highest Annual Guarantee Fee Rates 0.45%
  • Borrowers with business operation history more than three years in Hong Kong: 0.36%
  • Borrowers with business operation history of three years or less in Hong Kong: 0.45%
企業資格
  80% Guarantee Product 90% Guarantee Product
Entity Requirement A company, sole proprietorship, partnership or unincorporated body of persons that registered in Hong Kong with business operation
Operation Requirement Must have business operation in Hong Kong for at least 12 months as at the date of submission Not applicable
Personal Guarantee Requirement A person (who is an individual) or a group of persons (who are individuals) who, directly or indirectly, hold(s) or is/are beneficially entitled to more than 50% of the issued share capital or equity interest of the Borrower
Remarks:
  1. The “SME Financing Guarantee Scheme” is provided by The HKMC Insurance Limited, a wholly-owned subsidiary of the Hong Kong Mortgage Corporation Limited. 
Enquiry hotline: 2903 8366
To borrow or not to borrow? Borrow only if you can repay!