Banking Services

SME Financing Guarantee Scheme (SFGS)

Other than the Government’s funding programmes, enterprises can also apply “SME Financing Guarantee Scheme” to offer flexible lending solution to meet enterprises’ financing needs.  Thereby improving productivity and competitiveness.  The loan must be used to pay salaries and rent, and can also be used as emergency operations capital.

This preferential scheme has been accepted for applications since 20 Apr 2020.  The application period is until 31 Dec 2021.


80% Guarantee Product2 90% Guarantee Product2 Special 100% Loan Guarantee
Business Operation Business has been in operation for at least 1 year in Hong Kong No business operation history requirement
  • Business has been in operation for at least 3 months in Hong Kong as at end June 2020
  • Suffered at least a 30% decline in sales turnover in any month since February 2020 compared with the monthly average of any quarter from January 2019 to June 2020.
Maximum Loan Amount HK$18 million HK$8 million HK$6 million or total amount of wages and rents for 18 months, whichever is lower
Maximum Guarantee Period 7 years 5 years 8 years

Application process

Application > Principled approval > Confirm and issue guarantee

Why Us?

As there are so many banks and credit agencies, it is difficult to select the most suitable one.  A complicated procedures and requirements are also needed.  Regarding to your background & your needs, Prosolve will provide the comprehensive advice with low-cost consideration, assist you to go through the whole procedures (such as the required documents) to speed up the approval process and solve your immediate cash flow problem as a result.