ec-Loan Programme under SFGS

Collateral free and completely online application

ec-Loan Programme under SFGS

Collateral free and completely online application

DBS ec-Loan Program under SFGS – online application promotion

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% Cash Rebate
    • SFGS 80%: Up to HK$50,000 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 days 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 Program under SFGS is only applicable to successfully 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 amount ec-Loan Program under SFGS is 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
Raise up to HKD 8 million without pledging collaterals!

Competitive rates

Loan amount of up to HKD 8 million with competitive rates


Flexible repayment period

Stretch your repayment period of up to 5 years


Convenient to apply

Save time and apply online today!

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

Simply call ec-Loan hotline at 3668 4399 or visit our SME Banking Centres and our Relationship Manager will be glad to assist you.

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

This loan is available to all companies registered in Hong Kong with at least one year in operation.

What is the interest rate?

The interest rate will vary based on your company’s financial performance and the guarantors’ creditability.

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!