ICBC (Asia) is one of participating lending institutions in SME Loan Guarantee Scheme (SGS) launched by the Government. This is a loan guarantee scheme whereby the Government acts as the guarantor of individual small and medium enterprises (SMEs) to facilitate them to obtain the following loans from banks.

We offer the program to SMEs with the following privileged terms:

(1) Business Installations and Equipment Loan

Use of Loans

For acquiring new or second-hand business installations and equipment including machinery, tools, computer software and hardware, communication system, office equipment, transport facilities, furniture and fixtures (excluding decoration works) relating to business operations.

Max. 90% of purchase value

Repayment Period

Up to 60 months

Goods Location

Hong Kong or mainland

(2) Associated Working Capital Loan

Use of Loans

To meet additional operational expenses arising from or in relation to the business installations and equipment acquired or to be acquired under the SGS.

Repayment Period

Up to 24 months

Condition

Application is only accepted if concerned business installations and equipment loan under the SGS is provided by ICBC (Asia) Limited.

(3) Accounts Receivable Loan

Use of Loans

To meet the working capital needs arising from provision of credit terms to the applicant's customers.

Repayment Period

Eligibility

SMEs must be registered in Hong Kong under Business Registration Ordinace (Chapter 310).

Other Requirements

Submit following financial information if have been established for 18 months or more: 

How to find out more

• Email us
• Call our Customer Services Hotline on 218 95588
• Visit any of our branches

Please click here to visit the related government websit.

Remarks:

"SMEs" is defined as any manufacturing businesses which employ fewer than 100 employees in H.K. or any non-manufacturing businesses which employ fewer than 50 employees in H.K.