sme financing guarantee scheme

SME Financing Guarantee Scheme

DBS Offers# are available for successful applicants of 80% and 90% Guarantee

SME Financing Guarantee Scheme

DBS Offers# are available for successful applicants of 80% and 90% Guarantee

SME Financing Guarantee Scheme

Launched by HKMC Insurance Limited (“HKMCI”), the scheme aims at helping local SMEs and non-listed enterprises to obtain financing for meeting business needs. 

80% & 90% Guarantee Promotion

From now until 31 December 2023, successful SFGS applicants of 80% and 90% Guarantee 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
  • Cash Rebate of Guarantee Fee (“Cash Rebate”)
    • SFGS 90%: Up to 100% Cash Rebate
    • SFGS 80%: Up to HK$50,000 Cash Rebate
Special 100% Loan Guarantee under the Scheme

The Special 100% Loan Guarantee under the SME Financing Guarantee Scheme, launched by HKMC Insurance Limited (HKMCI), aims at enhancing cash flow support for local small and medium-sized enterprises and helping them obtain financing through participating lenders.


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

1 No winding up or bankruptcy petition or proceedings on the loan applicant (and personal guarantors), or outstanding default of more than 60 days.

2 Shall not be carrying on the business of a lender or otherwise providing funds available for borrowing in any way.

3 If an enterprise does not have either employee(s) or rented office(s), proxy is made to 50% of the highest monthly net income in 2019.

4 For more information on HKMCI Prime Lending Rate please refer to for more information.

Please refer to HMCI press announcement ( on 2 September 2020 for more details 

# This Promotion Offer applicable to 80% and 90% Loan Guarantee under SME Financing Scheme only and is subject to the relevant Terms and Conditions. Please refer to the Terms and Conditions for details.

How to Apply

Simply call DBS BusinessCare at 2290 8068 or visit our SME Banking Centres, to find out more!

Apply loan with SFGS 80% & 90%
Apply loan with SFGS 100%

The Bank reserves the final decision on application approval. 

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!