ec-Loan Programme under SFGS

Collateral-free loans and funding for SMEs, and completely online application

ec-Loan Programme under SFGS

Collateral-free loans and funding for SMEs, and completely online application

DBS ec-Loan Programme under SME Financing Guarantee Scheme (SFGS) – Online Application

Apply via DBS Loan Application for Business platform to enjoy the following DBS offers:

  • Preliminary loan amount approval as fast as 3 working days#
  • Cash Rebate of Guarantee Fee (“Cash Rebate”)*
    • SFGS 90%: Up to 100% Guarantee Fee Cash Rebate
  • Annual interest rate can be as low as DBS’s privilege interest rate (P) – 0.25%^

#The preliminary loan amount approval‘s 3-working day process time is calculated from the first working day after the loan application is submitted. The applicant will be notified individually of the indicative loan approval result in the next working day after preliminary loan amount approval completed. The preliminary approval time does not include the approval time from The Hong Kong Mortgage Corporate Limited.  The preliminary approval amount of an indicative ec-Loan Programme under SFGS is only applicable to successful submission via online submission in DBS Online Loan application for Business platform and fulfillment of all documents and requirements requested by the Bank. Such indicative amounts under the ec-Loan Programme under SFGS are subject to the Bank’s further approval and final decision, the final decision may be different from the preliminary loan approval.
*For detail, please visit SME Financing Guarantee Scheme
^Applicable to DBS selective customers only 

At a Glance
Apply for a SME business loan online in a few steps. Raise up to HKD 8 million in funding for your business without pledging collaterals!

Competitive rates

SME loans of up to HKD 8 million with competitive interest rates


Flexible repayment period

Stretch your repayment period of up to 5 years with DBS’ funding scheme for SMEs in Hong Kong


Convenient to apply

Save precious time by applying for the SME business loan online today

Loan amount Up to HKD 8 million
Loan tenor Up to 5 years
Collateral Nil
How to Apply

Simply click New Application to apply ec-Loan Programme under SFGS online and obtain financing for your SME business.

You may also call ec-Loan hotline at 3668 4399 or visit our SME Banking Centres. Our Relationship Manager will be glad to assist you in your SME funding scheme application.

How do I know if I am eligible for the ec-Loan Programme?

This loan is available to companies of all sizes, including small businesses, that require funding and are registered in Hong Kong with at least one year in operation.

What is the interest rate?

The interest rate for business loan will vary based on your company’s financial performance and the guarantors’ credibility.

Do you charge any fees?

Yes. There is an arrangement fee when the loan is approved. 


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