sme loan guarantee

SME Loan Guarantee

Grow your SME with an accessible loan guarantee

SME Loan Guarantee

Grow your SME with an accessible loan guarantee

At a Glance
The guarantee provided by the Trade and Industry Department of the Hong Kong Special Administrative Region Government is designed for manufacturers, dealers, wholesalers and service providers to secure loans for acquiring business installations and equipment or meeting working capital needs of general business uses.

No collaterals

Get a loan of up to HKD12 million, with no collaterals required

money hands


50% guarantee of the approved loan, up to a cap of HKD6 million


Flexible repayment period

A period of up to five years


Attractive rates

Preferential pricing and fees, plus special rates for trades-related products and services


Your business must be:

  • Based in Hong Kong S.A.R.
  • Registered in Hong Kong S.A.R. under the Business Registration Ordinance (Chapter 310) 
  • Classified as an SME under the Government of Hong Kong Special Administrative Region (the HKSAR)

Typically, eligible companies would be a manufacturing business with fewer than 100 employees in Hong Kong, or a non-manufacturing business with fewer than 50 employees in Hong Kong.

How to Apply

Simply call DBS BusinessCare at 2290 8068 or visit our SME Banking Centres with the documents listed below. The documents you will need to provide will depend on how long your company is established.

If your company has been established for 18 months or more, you will need to bring:

  • Copy of the valid Business Registration Certificate
  • Latest audited accounts for a limited company
  • Latest financial statements for an unlimited company

If your company has been established for less than 18 months, you will need to bring:

  • Copy of the valid Business Registration Certificate
  • Documentary proof of the date of establishment and relevant financial records
How does this loan work?

The SME Loan Guarantee is a form of non-revolving loan or hire purchase agreement that should be repaid by instalments.

When should I repay the loan?

Your loan should be repaid by instalments, as follows:

  • First instalment – within six months after your loan is approved
  • Subsequent instalments – in intervals of less than three months
  • Final instalment – within five years, according to the agreed repayment period 
What can I use the loan for?

Loans may be used for acquiring installations and equipment, such as: 

  • Machinery
  • Tools
  • Computer software and hardware
  • Communication systems
  • Office equipment
  • Transport facilities
  • Furniture 
  • Fixtures

However, they may not be used for financing or re-financing machinery and installations already possessed by you or your associates.

Am I eligible for another loan if I have repaid the initial loan backed by the guarantee?

If you have fully paid up the previous loan, you are eligible for one more loan of up to HKD 12 million.

What is the interest rate?

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

Do you charge any fees?

Yes. There is an arrangement fee upon approval of the loan.



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