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")1,2 launched by HKMC Insurance Limited("HKMCI"). We are pleased to offer flexible lending solution to meet your financing needs.


Product Features 

  80% Guarantee Product 90% Guarantee Product Special 100% Loan Guarantee
Business Operation Business has been in operation for at least 1 year in Hong Kong No business operation history requirement
  • Business has been in operation for at least 3 months in Hong Kong as at end March 2022
  • Suffered at least a 30% decline in sales turnover in any month since February 2020 compared with the monthly average of any quarter from January 2019 to March 2022.
Maximum Loan Amount HK$18 million HK$8 million HK$9 million or total amount of wages and rents for 27 months, whichever is lower
Maximum Guarantee Period 7 years 5 years 10 years
Loan Type4
Term Loan, Revolving Credit Facility5
Term Loan Term Loan
  • Guarantee fee6 rebate up to HK$100,000
  • Waiver of application fee and account opening fee
  • Waiver of guarantee fee6
  • Waiver of application fee and account opening fee


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

Application Hotline +852 2105 8288


  1. For details of the "SME Financing Guarantee Scheme", please visit the website of the Hong Kong Mortgage Corporation Limited (“HKMC”) at or contact Bank of China (Hong Kong) Limited (BOCHK).
  2. The application period of the 80% Guarantee Product, the 90% Guarantee Product and the Special 100% Loan Guarantee of the SME Financing Guarantee Scheme will be until 31 March 2024. 
  3. The relevant loan and credit facility cannot be used for repaying, restructuring or repackaging other loans borrowed from BOCHK or any third parties.
  4. "Revolving Credit Facility" includes revolving loan, overdraft and trade facilities.
  5. Guarantee fee will be approved and determined by the HKMCI and is subject to the announcement made by the HKMCI. HKMCI provides waiver of guarantee fee for the Special 100% Loan Guarantee.

The above products, services and promotional offers are subject to the relevant terms and conditions of BOCHK. For more details, please contact BOCHK's staff. BOCHK 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 BOCHK shall be final.

BOCHK 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 BOCHK's final approval.

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