SME Loan
101 Enterprise Consultants provides application support for the "SME Financing Guarantee Scheme" for SMEs, helping them obtain low-interest loans guaranteed by the government and flexibly improve their cash flow. Whether it is operating turnover, equipment investment or business expansion, we have a professional team to follow up throughout the process to increase the success rate of applications, allowing you to focus on business development with peace of mind.
SME Financing Guarantee Scheme
The SME Financing Guarantee Scheme provides loan guarantee support to local SMEs, helping them to obtain financing from participating banks to meet their funding needs and enhance their operations and market competitiveness.
類型 / Type | 八成信貸擔保 / 80% Guarantee | 九成信貸擔保 / 90% Guarantee | 百分百擔保 / 100% Guarantee |
|---|---|---|---|
Guarantee ratio | 80% | 90% | 100% |
Maximum loan amount | HK$18 million | HK$8 million | HK$9 million |
Loan guarantee period | 10 years | 8 years | 10 years |
Application Period | Until the end of March 2026 | Until the end of March 2026 | Application has ended |
Eligibility | Non-listed registered company with at least 1 year of operation | Non-listed registered company | Non-listed registered company with at least 3 months of operation |
Repaying interest but not principal Policy
The 2024 Chief Executive's Policy Address was announced. In order to support local SMEs in Hong Kong, the government will launch a new round of "interest-only repayment" policy:
Pay interest but not principal
Enterprises are allowed to apply for a "pay interest but not principal" plan for up to 12 months to reduce their repayment pressure in the short term.
Partial principal repayment
Provide "partial principal repayment" option for new loans of 80% and 90% credit guarantee products to increase repayment flexibility.
Scenario where funds can be used
After successfully applying for the "SME Financing Guarantee Scheme", enterprises can flexibly use funds according to actual operational needs, including expanding business locations, purchasing equipment, recruiting talents, publicity and promotion, digital upgrades, etc., to effectively improve operational efficiency and market competitiveness.
New business units
Funds can be used to open new locations or branches, expand sales channels and business scale
Improve cash flow
Flexible use for paying rent, salaries and other expenses to stabilize the daily operating needs of the enterprise
Equipment and materials
You can purchase machines, equipment or system equipment to improve production efficiency and work effectiveness
Upgrading IT and systems
Upgrade IT systems or automation tools to improve management efficiency and corporate digital capabilities
Promotion
Can be used for marketing promotion, community management and website construction to enhance brand exposure and influence
Expanding overseas markets
Funds can be used to establish online stores, cross-border platforms or participate in exhibitions to explore foreign markets
Recruitment
Assist in recruiting new employees to enhance team professionalism and overall operational quality
New product development
Used in product design, sample production or development process to accelerate innovation and seize market opportunities
