SME Financing Guarantee Scheme

SME Financing Guarantee Scheme

Apply online with ease

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Your Priority for Financing as an SME Owners:

Helping SMEs obtaining financing by a guarantee provided by the HKMC Insurance Limited ("HKMCI").

SME Financing Guarantee Scheme ("SFGS")¹: 

Providing financing solutions to help you enhance the productivity and competitiveness amid dynamic business environments.

Digital Services

Apply Online and Submit Documents
For New Customers:
Apply SFGS Online and Submit Documents
Click Here  
Apply Online and Submit Documents
For Existing Customers:
Apply SFGS at our Hang Seng Business e-Banking and Submit Documents
Click Here  

Contact Us 

Business Partner Direct
Call SME Business Loan Hotline
2198 8033

Contact your Relationship Manager
Contact your Relationship Manager

SFGS Main Feature Highlights:


     80% Guarantee Product

    90% Guarantee Product

Facility Type

  • Instalment Loan
  • Term Loan
  • Revolving Loan
  • Overdraft Facility
  • Trade Facility
  • Instalment Loan
  • Term Loan

Maximum Facility Amount



Maximum Guarantee Period

7 years

5 years


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

  1. The SFGS is provided by the HKMCI, a wholly-owned subsidiary of the Hong Kong Mortgage Corporation Limited (“HKMC”). A guarantee fee will be applied and is subject to the credit facility amount, bank interest rate and the guarantee coverage as determined by the HKMCI from time to time. For details, please visit the website of the HKMC.