SME Financing Guarantee Scheme
A government-backed credit guarantee product that helps SMEs solve cash-flow problems. 101 Business Consultant analyses the most suitable guarantee percentage for you and follows up your application in one stop.
Credit Guarantee Product Comparison
Below is the latest information for each guarantee percentage. The application periods for the 90% and 100% guarantee products have ended (shown in grey); 80% credit guarantee applications are currently open.
| 80% Credit Guarantee 80% Guarantee |
90% Credit Guarantee 90% Guarantee |
100% Guarantee 100% Guarantee |
|
|---|---|---|---|
| Government guarantee | 80% | 90% | 100% |
| Maximum loan amount | HK$18 million | HK$8 million | HK$9 million |
| Repayment period | 10 years | 8 years | 10 years |
| Application period | Until end of March 2028 | Application closed | Application closed |
| Basic eligibility | Non-listed registered company; in our experience at least 2 years in operation | Non-listed registered company | Non-listed registered company |
Loan Calculator
Drag the loan amount and repayment period to instantly see the government guarantee amount and estimated monthly instalment.
[Interest-Only] Policy
To support local Hong Kong SMEs, the government has launched a new round of "interest-only" measures to ease short-term repayment pressure.
Interest-Only Repayment
Allows enterprises to apply for a plan of up to 12 months of "interest-only" repayment to ease short-term repayment pressure.
Partial Principal Repayment
Offers a "partial principal repayment" option for new loans under the 80% and 90% credit guarantee products, increasing repayment flexibility.
For details, see the latest announcement by the Hong Kong Monetary Authority: Click to view the official HKMA press release →
How the Funds Can Be Used
After a successful application to the "SME Financing Guarantee Scheme", funds can be used flexibly according to actual operating needs, including expanding business locations, buying equipment, recruiting talent, marketing and digital upgrades, effectively improving operating efficiency and market competitiveness.
Set Up New Business Units
Funds can be used to open new locations or branches and expand sales channels and business scale.
Improve Cash Flow
Use flexibly to pay rent, salaries and other expenses and stabilise day-to-day operating needs.
Purchase Operating Equipment
Buy machines, equipment or system hardware to improve production efficiency and productivity.
Upgrade IT & Systems
Upgrade IT systems or automation tools to improve management efficiency and digital capability.
Marketing & Promotion
Use for marketing, social media management and website development to strengthen brand exposure and influence.
Expand into Overseas Markets
Set up online shops, cross-border platforms or join exhibitions to open up overseas markets.
Hire More Staff & Invest in Talent
Help recruit new staff and raise team professionalism and overall operating quality.
New Product Development
Use for product design, sample making or development processes to innovate faster and seize market opportunities.
Want to Know Which Guarantee Percentage Suits You Best?
No need to worry, leave it to us. 101 Business Consultant helps assess eligibility, prepare documents and follow up the application in one stop.