95% Success Rate | HK$5 Billion+ Approved
Government Loan Guarantee → Working Capital → Equipment Financing → Startup Loans
Professional Financial Advisors One-on-One Service, 7 Days to Complete Application
Free Assessment | Success-Based Fees | No Success, No Fee
Assist with bank working capital loan applications to support daily operations and cash flow needs with flexible repayment terms.
Specialized financing solutions for purchasing machinery, equipment, office renovations and other fixed asset investments.
Provide startup funding support for new businesses, including government startup loan program applications.
Assist with applications for government SME financing guarantee schemes, enjoying lower interest rates and higher approval rates.
Provide assistance with import/export trade financing, letters of credit and other international trade financial services.
Assist with bank overdraft services and credit facilities to address short-term working capital needs.
| Product | 80% Credit Guarantee Product | 90% Credit Guarantee Product | 100% Guarantee Special Concessionary Loan |
|---|---|---|---|
| Application Period | From 31 May 2012 to end of March 2026 | From 16 December 2019 to end of March 2026 | From 20 April 2020 to end of March 2024 |
| Annual Guarantee Fee Rate | Maximum 0.45% of loan amount or credit facility | Borrowing enterprises with over 3 years: Maximum 0.36% of loan amount Borrowing enterprises with 3 years or below: Maximum 0.45% of loan amount |
Not applicable |
| Maximum Total Loan Amount | HK$18 million | HK$8 million | Sum of borrowing enterprise's 27-month salary and rental expenses or HK$9 million If borrowing enterprise has no salary and rental expenses, may substitute with half of highest monthly pre-tax net income from January 2019 to March 2022 multiplied by 27 |
| Business Operation | Must have at least one year of business operation in Hong Kong | Not applicable | Borrowing enterprise must have operated in Hong Kong for at least 3 months before 31 March 2022 |
| Credit Record | Must have no outstanding defaults under government SME loan schemes | No outstanding defaults exceeding 60 days | |
| Repayment Terms | Term loans must be repaid in installments and fully settled before guarantee period ends, with intervals not exceeding 3 months. Lending institutions may allow borrowing enterprises to pay interest only for first 6 months from loan commencement, then repay principal and interest in remaining repayment period. |
Term loans must be repaid in installments and fully settled before guarantee period ends, with intervals not exceeding 3 months. Lending institutions may allow borrowing enterprises to pay interest only for first 12 months from loan commencement, then repay principal and interest in remaining repayment period. |
Term loans must be repaid in monthly installments and fully settled before guarantee period ends. Lending institutions may allow borrowing enterprises to pay interest only for first 12 months from loan commencement, then repay principal and interest in remaining repayment period. |
| Maximum Guarantee Period | Eligible guarantees under optimization measures effective 2018 and 2020: 7 years Other guarantees: 5 years |
5 years | 10 years |
| Loan Interest Rate | Total annual interest rate of guaranteed loans should not exceed specified ceiling, but individual cases exceeding ceiling may be considered. If accepted, guarantee fee rate will be adjusted accordingly, and stated rate range will not apply. Total annual loan rate includes loan interest and related charges/levies that lending institutions may collect. | This guarantee product requires total annual interest rate not to exceed specified ceiling, determined by business operation period. | Depending on lending institution practices, loan interest rate calculated based on HK Dollar Best Lending Rate published by Hong Kong Mortgage Corporation ("Hong Kong BLR") or lending institution's own HK Dollar BLR. Lending institution will specify applicable BLR before borrowing enterprise draws down loan. |
| Personal Guarantee | Any person(s) directly or indirectly holding or benefiting from more than 50% of issued share capital or equity interest of borrowing enterprise must provide irrevocable, unconditional and legally binding guarantee to lending institution for loans under the scheme (if more than one person, guarantee is joint and several). | ||
| Enterprise Entity | Borrowing enterprise: (1) Must be limited company, sole proprietorship, partnership or unincorporated body with business operations in Hong Kong and registered under Business Registration Ordinance (Cap. 310); (2) Cannot operate money lending business or provide funds for money lending business; (3) Cannot be connected company of lending institution; and (4) Cannot be listed on Hong Kong Stock Exchange (Main Board or GEM) or other overseas exchanges. |
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Understand your financing needs and business situation
Analyze the most suitable financing products
Assist in preparing complete application documents
Submit application to banks or financial institutions
Monitor bank approval progress
Assist with loan disbursement procedures
Generally requires Hong Kong registered company with business operation record, good credit history, stable cash flow, complete financial statements, etc. Specific requirements vary by different banks and loan products.
Government loan guarantees typically offer lower interest rates, higher approval rates, longer repayment periods, and reduced personal guarantee requirements, making them particularly suitable for SMEs.
General business loan applications require 2-6 weeks, while government guarantee loans may take 6-12 weeks. Exact timing depends on application complexity and bank processing efficiency.
Yes, but options are relatively limited. New companies may consider startup loans, 90% credit guarantee products, etc., but usually need to provide additional guarantees or detailed business plans.
Interest rates are typically calculated as Prime Rate (P) plus/minus spread, such as P+2%. Government guarantee loans have interest rate ceiling protection. Specific rates depend on company conditions, loan products and market conditions.
Providing complete and accurate financial information, preparing detailed business plans, maintaining good credit records, choosing suitable loan products, and seeking professional consultant assistance can all improve success rates.
🎯 95% Success Rate Guarantee | 💰 HK$5 Billion+ Approved
Free Assessment → Professional Planning → Quick Application → Successful Approval
⚠️ Professional advisors limited to 20 spots, first come first served!