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SME Financing Guarantee Scheme

Last updated: 4 March 2026

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Description

The Scheme aims at helping local small and medium-sized enterprises (“SMEs”) and non-listed enterprises (collectively, “Enterprises”) to obtain financing from participating lenders (“Lenders”) for meeting their business needs so as to enhance their productivity and competitiveness in the rapidly changing business environment. Under the Scheme, the HKMCI may provide guarantee coverage of 50%, 60% or 70% to the credit facilities of eligible Enterprises approved by the Lenders.

Key details

Max amount per application: HK$9,000,000
Grant type: Loan
Application submission type: Deadline
Max programme duration: 24 months

Eligibility

Areas of focus

Business DevelopmentBusiness SolutionsEntrepreneurship

Grant conditions & requirements

The Borrower: (a) must be a company, sole proprietorship, partnership or unincorporated body of persons which has business operation in Hong Kong and remains registered under the Business Registration Ordinance (Chapter 310 of the Laws of Hong Kong); (b) shall not be carrying on the business of a lender or otherwise providing funds available for borrowing in any way; (c) shall not be an affiliate of the Lender; and (d) shall not be a company or corporation which has any of its shares listed on The Stock Exchange of Hong Kong Limited (whether on its Main Board or the Growth Enterprise Market) or any similar exchange in or outside Hong Kong.

Funder

Type of funder: Government

Contact

sfgs_enquiry@hkmci.hk 2536 0392

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