sme financing guarantee scheme

SME Financing Guarantee

Exclusive discounts up to HKD60,000 for supporting your business growth!

At a Glance

DBS continues to support local SMEs by providing financing with SME Financing Guarantee Scheme (SFGS) under HKMC Insurance Limited (“HKMCI”).

From now until 30 April 2020, successful SFGS applicants will be eligible for the following DBS offers*:

  • Waive up to 100% loan set-up fee

  • Waive up to 100% account opening fee for new customer

  • Enjoy up to 50% guarantee fee rebate at maximum of HKD50,000

Why choose DBS SME Financing Guarantee Scheme?

  • Access funds maximum HKD 15 million, with maximum guarantee coverage of up to 80%, and up to seven years to repay the loan. The scheme guarantees both term loan and revolving credit facilities1.

  • The 90% guarantee coverage provides support to enterprise with relatively less operating experience as well as professionals. Term loan amount of up to a maximum of HKD 6 million and a maximum guarantee period of five years to repay the loan.

1Under HKMC Insurance Limited’s SFGS Enhanced Measures ending 30 June 2022.

* This Promotion Offer is subject to the relevant Terms and Conditions. Please refer to the Terms and Conditions for details.

* All credit applications under SME Financing Guarantee Scheme, including the Guarantee Fee charged, are subject to the HKMCI's approval. Please refer to for the terms and conditions set out by the HKMCI.


Your business must be:

  • Operation based in Hong Kong 
  • Registered in Hong Kong under the Business Registration Ordinance (Chapter 310)
  • In operation for at least one year with a good financial record 

Listed companies, lending institutions and affiliates of lenders are not eligible for the scheme. 

All credit applications, including the Guarantee Fee charged, are subject to the approval of HKMC Insurance Limited. Please refer to the for the terms and conditions. The Bank reserves the final decision on application approval. 

How to Apply

Simply call DBS BusinessCare at 2290 8068 or visit our SME Banking Centres, and our Relationship Manager will be glad to assist you.

What can I use the loan for?

The loan may only be used for:

  • general working capital for business operations
  • acquiring equipment or assets in relation to your business
  • refinancing facilities guaranteed under the Special Loan Guarantee Scheme of the Trade and Industry Department of the Hong Kong SAR Government upon expiry of the guarantee
What is the interest rate?

SMEs enjoy competitive interest rates that are determined based on their business profile and financial records

Do you charge any fees?

Yes. Fees that will be charged include:

  • Arrangement fee when the loan is approved.
  • As this scheme is offered by the HKMC Insurance Limited, there will be a guarantee fee levied by them


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