SME Financing Guarantee Scheme

Bank of China (Hong Kong), committed to providing continuous support to local SMEs, has joined the "SME Financing Guarantee Scheme" ("SFGS")1 launched by HKMC Insurance Limited("HKMCI"). We are pleased to offer flexible lending solution to meet your financing needs and facilitate your business growth.


Loan Features

Loan Type "Term Loan" and "Revolving Credit Facility"2 are available
Loan Amount Maximum loan amount of up to HK$15,000,000
Loan Purpose3 To finance the expenses of business operation, the purchase of assets (excluding personal residential property) or operating equipments / machines
Loan Guarantee Amount HKMCI will provide loan guarantee of 50%, 60%, 70% or 80%4
Eligibility5 Non-listed companies with substantial business operating in Hong Kong for at least one year
Repayment Period Up to 7 years
Preferential interest rate and handling fee

Application Hotline +852 2105 8288

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



  1. For details of the "SME Financing Guarantee Scheme", please visit the website of The Hong Kong Mortgage Corporation Limited at or contact Bank of China (Hong Kong) Limited (the "Bank").

  2. "Revolving Credit Facility" includes the overdraft and trade facilities.

  3. The relevant loan and credit facility cannot be used for repaying, restructuring or repackaging other loans borrowed from the Bank or any third parties.

  4. Guarantee Fee will be approved and determined by the HKMCI and is subject to the announcement made by the HKMCI.

  5. Non-listed companies which have been in business operation in Hong Kong (with substantial business) for at least 12 months prior to the application for the SFGS are eligible to apply for the scheme, and the corporate applicants must have no outstanding default with any financial institutions. Individual shareholder(s) of the corporate applicant whose shareholding is more than 50% of the equity interest of the corporate applicant is (are) required to provide personal guarantee for the loan.

The above products, services and promotional offers are subject to the relevant terms and conditions of the Bank. For more details, please contact the Bank's staff. The Bank reserves the right to amend, suspend or terminate the above products, services and offers, and amend their relevant terms and conditions at any time at its absolute discretion without prior notice. In case of any dispute, the decision of the Bank shall be final.

The Bank reserves the right to approve and reject the loan application at its absolute discretion. The actual loan amount, interest rate, handling fee and applicable terms and conditions are subject to the Bank's final approval.

In case of any discrepancy between the Chinese and English versions of this promotional material, the Chinese version shall prevail.