Government-Assisted Schemes

SME Financing Guarantee

Advance your working capital for your SME

Why choose DBS SME Financing Guarantee?

  • 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 facilities.1
  • Launched in December 2019, the 90% Guarantee Product provides support to enterprise with relatively less operating experience as well as professionals. Term loan amount up to maximum HKD 6 million and a maximum guarantee period of five years is offered.

For more details, please contact your Relationship Manager, or call DBS BusinessCare (+852) 2290 8068 or APPLY NOW.


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

* 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.

The Bank reserves the final decision on application approval.

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


How do I know if I am eligible for the SME Financing Guarantee scheme?

Your company’s operations must be based in Hong Kong and be registered in Hong Kong under the Business Registration Ordinance (Chapter 310). Your company should also be 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. To know if you are eligible, please call us at 2290 8068 and we’ll arrange for a relationship manager to speak with you.

Are there any restrictions to how the loan can be used?

The loans must be used for providing general working capital for your business operations, or acquisition of equipment or assets in relation to your business. The loans can also be used for refinancing of facilities that are guaranteed under the Special Loan Guarantee Scheme offered by the Hong Kong Government through the Trade and Industry Department upon expiry of the guarantee.

What is the interest rate?

We offer competitive interest rates for SMEs. The interest rate will be determined based on the assessment of your business profile and financial records.

Do you charge any fees?

Yes, there is an arrangement fee when the loan is approved. As this scheme is offered by the Hong Kong Mortgage Corporate Limited, there will be a guarantee fee levied by them.


How do I apply?

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


Personal Information Collection (PIC)

DBS Bank (Hong Kong) Limited safeguards your data in accordance with applicable Hong Kong laws.

We only use the data we collect in accordance with our Data Policy which explains the data collection purposes, the persons to whom we may transfer data, your data access and correction rights and how you may contact our Data Protection Officer.

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

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