Struggling with cash flow or needing higher financing? With loan programs covering 80% to 90% of your capital, you can secure up to 18 million in loans, helping your business flexibly allocate more working capital.
The "80% to 90% Loan Guarantee Scheme" refers to the "80% Credit Guarantee Product (SFGS 80)" and "90% Credit Guarantee Product (SFGS 90)" under the Government Small and Medium Enterprise Financing Guarantee Scheme (SFGS).
This program is part of the SME Financing Guarantee Scheme and aims to assist SMEs in meeting their funding needs. This 80% to 90% credit guarantee scheme is particularly suitable for businesses with funding needs for equipment procurement, working capital replenishment, or other business purposes.
SFGS 80
From May 31, 2012 to the end of March 2028
SFGS 90
From May 31, 2012 to the end of March 2028
SFGS 80
The maximum annual guarantee fee rate is 0.45% of the loan/credit line (if applicable). Borrower companies may choose to pay the guarantee fee annually or in advance; if they choose to pay in advance, the relevant fee can be included in the total loan amount.
SFGS 90
The two payment methods are: annual payment or one-time prepayment, and the prepayment amount can be included in the total loan amount.
SFGS 80
The maximum loan amount is HK$18 million (including 80% and 90% secured loans, calculated at any point in time).
SFGS 90
The maximum loan amount is HK$8 million (including 80% and 90% secured loans, calculated at any point in time).
SFGS 80
Term loans must be repaid in installments and fully repaid before the expiry of the guarantee period, with installment intervals not exceeding three (3) months. Upon approval, an interest-only repayment arrangement may be adopted for the first six (6) months, after which principal and interest must be repaid in installments. The guarantee period will not be extended due to the interest-only repayment arrangement.
SFGS 90
Repayment for standard loans follows the same terms as 80% guaranteed products. Upon approval, borrowers may opt for interest-only payments for the first twelve (12) months, after which both principal and interest must be repaid on schedule. The guarantee period remains unchanged.
This scheme explicitly prohibits the use of loans, directly or indirectly, to repay or restructure existing corporate loans (except for refinancing situations permitted by this scheme), and also prohibits the use of loans to refinance assets acquired prior to applying for this scheme.
SFGS 80
From May 31, 2012 to the end of March 2028
SFGS 90
自2012年5月31日起至2026年3月底止
[已完結]
SFGS 80
The maximum annual guarantee fee rate is 0.45% of the loan/credit line (if applicable). Borrower companies may choose to pay the guarantee fee annually or in advance; if they choose to pay in advance, the relevant fee can be included in the total loan amount.
SFGS 90
The two payment methods are: annual payment or one-time prepayment, and the prepayment amount can be included in the total loan amount.
SFGS 80
The maximum loan amount is HK$18 million (including 80% and 90% secured loans, calculated at any point in time).
SFGS 90
The maximum loan amount is HK$8 million (including 80% and 90% secured loans, calculated at any point in time).
SFGS 80
Term loans must be repaid in installments and fully repaid before the expiry of the guarantee period, with installment intervals not exceeding three (3) months. Upon approval, an interest-only repayment arrangement may be adopted for the first six (6) months, after which principal and interest must be repaid in installments. The guarantee period will not be extended due to the interest-only repayment arrangement.
SFGS 90
Repayment for standard loans follows the same terms as 80% guaranteed products. Upon approval, borrowers may opt for interest-only payments for the first twelve (12) months, after which both principal and interest must be repaid on schedule. The guarantee period remains unchanged.
This scheme explicitly prohibits the use of loans, directly or indirectly, to repay or restructure existing corporate loans (except for refinancing situations permitted by this scheme), and also prohibits the use of loans to refinance assets acquired prior to applying for this scheme.
Submit the application form and supporting documents to the lending institution participating in the program.
After receiving the application, the lending institution will submit the relevant information to the Hong Kong Mortgage Corporation Limited (the Mortgage Corporation) for approval.
Processing time may vary depending on the specific bank and the documents submitted by the company. If preliminary approval is granted, the lending institution will prepare the relevant loan documents for the company to sign and confirm.
After the company signs all loan documents, the lending institution will submit the relevant information to the Hong Kong Mortgage Corporation Limited (HKMCC) for final processing. Once the bank completes the document processing, the HKMCC will typically issue a guarantee letter within a few days.
After the guarantee letter is issued, the company must pay the corresponding guarantee fee. This fee is collected by the lending institution and then transferred to the Hong Kong Mortgage Corporation Limited (HKMCC). If the guarantee fee is a one-time prepayment and is advanced by the lending institution, the fee will be included in the total loan amount and deducted directly from the loan disbursement, and then paid to the HKMCC. The guarantee letter becomes effective after the HKMCC has received the guarantee fee.
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兩者最大的分別是政府提供的信貸擔保比例及適用企業。
八成信貸擔保產品由按證保險公司為合資格貸款提供最高 80% 信貸擔保，主要協助香港中小企及非上市企業取得營運及業務發展所需融資。
九成信貸擔保產品的擔保比例則最高為 90%，原本主要為規模較小、經營年期較短的企業提供額外融資支援。九成信貸擔保產品的新申請期已於 2026 年 3 月底結束。
八成信貸擔保產品： 政府已宣布將申請期延長兩年至 2028 年 3 月底。
九成信貸擔保產品： 新申請已於 2026 年 3 月底截止。
企業須直接向參與計劃的貸款機構提出貸款申請，再由貸款機構進行審批及向按證保險公司提交擔保申請。
擔保費會因應貸款金額、貸款條件及適用的擔保產品而有所不同。
八成信貸擔保產品： 擔保費年率最高為貸款或信貸額的 0.45%。
九成信貸擔保產品：企業在香港營運超過 3 年，擔保費年率最高為貸款額的 0.36%；營運 3 年或以下，則最高為 0.45%。
實際擔保費應以按證保險公司及貸款機構最終批核為準。
計劃主要協助企業取得融資，以應付業務及營運需要，提升生產力及競爭力。
實際可接受的貸款用途及限制，會視乎所申請的信貸產品、貸款機構要求及計劃當時的條款而定，因此企業在申請前應先確認資金用途是否符合要求。
一般有期貸款會按照貸款機構批核的還款期，以分期方式償還本金及利息。
計劃亦曾推出「部分本金還款」及「還息不還本」安排，讓符合資格的借款企業在指定期間減輕還款壓力。現行的還息不還本申請安排已延長至 2026 年 11 月 17 日，惟須符合相關資格及貸款機構要求。
一般而言，借款企業可向貸款機構提出提前還款，但實際安排、所需通知及是否涉及相關費用，須視乎個別貸款機構的貸款條款。
因此，如企業計劃提早償還部分或全部貸款，建議先向相關貸款機構確認。
可以。八成信貸擔保產品的有期貸款可選擇一次性提前繳付擔保費；九成信貸擔保產品亦設有一次性提前繳付擔保費的安排。
一次性提前繳付的擔保費亦可透過相關貸款取得融資。
如企業預計未能按時還款，應盡早聯絡貸款機構，不要等到逾期後才處理。貸款機構可根據企業的實際財務情況、貸款條款及當時適用的紓緩措施，評估可行的處理方案。
需要注意的是，政府提供 80% 或 90% 信貸擔保，並不代表企業毋須承擔還款責任。借款企業仍須按照貸款協議履行還款義務。
*以上資料僅供一般參考。實際申請資格、貸款額、利率、擔保費、還款安排及批核結果，均須視乎中小企融資擔保計劃的最新條款及個別貸款機構的審批而定。
Apply for government-guaranteed loans with up to 90% collateral coverage,. With OneSec's professional and comprehensive support, we can help you implement your business growth strategy.
