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

 

SME Loan Guarantee Scheme

We assist SMEs in applying for loans under the SME Loan Guarantee Scheme, so that they can receive the funds necessary for their operation needs and business growth.

The SME Loan Guarantee Scheme covers the following types of loans:

Business Installations and Equipment Loans

These loans can be used for installations and equipment, including machinery, furniture and fixtures, computer software and hardware, communication systems, office equipment, transport facilities, heating and cooling systems, built-in cabinets and lighting systems. (The loan does not cover repairs.)

Service Benefits

  • No cap on loan amount
  • Borrow up to 90% of the value of equipment and installation costs
  • Exceptionally low interest rates to reduce the financial burden
  • Repayment term of up to 5 years, by instalment loan or hire purchase
  • Applicable for installations and equipment located outside Hong Kong
  • Loans can be used to acquire second-hand installations and equipment
  • Speedy approval procedure

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*Shanghai Commercial Bank Ltd reserves the right to amend or cancel the above benefits/terms and conditions without prior notice.

 

Working Capital Loans

These loans can be used for general business purposes, allowing SMEs to enhance their flexibility in business fund management.

Service Benefits

  • No collateral required
  • Repayment term of up to 5 years

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*Shanghai Commercial Bank Ltd reserves the right to amend or cancel the above benefits/terms and conditions without prior notice.


In case you wish to enquire whether a third party is appointed by our Bank for referring loan application, please contact customer service hot line 2818 0282.
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