HKMC Insurance LimitedClosed to new applications

SME Financing Guarantee Scheme - 80% Guarantee

A government-backed loan guarantee; the enterprise still needs lender approval and must repay the facility.

Visit official websiteLast verified: 2026-08-25

Closed to new applications

This programme is not currently an open application route. The page is retained for policy research; check its status, closure date and replacement.

2026-03-31

Official facts

Quick Facts

Provider: HKMC Insurance Limited
Programme type: Loan / guarantee
Target stage: Seed / Early growth / Series A / Scale-up
Maximum support: Maximum loan facility HK$18 million under the 80% guarantee product
Duration: Maximum guarantee period up to 10 years under current terms
Matching required: No
Equity required: No
Hong Kong company required: Yes
Company age limit: Generally at least 1 year of business operation in Hong Kong
Team requirement: Not publicly specified
Application status: Closed to new applications
Application model: Not specified

Editorial analysis

Who is it for?

This fit analysis is based on published eligibility and programme positioning. It is not an admission guarantee.

Hong Kong businesses with operating history, a defined use of funds and repayment capacity.

Founder profile

Founder teamExisting business ownerInternational founder

Stage fit

SeedEarly growthSeries AScale-up

Sector fit

E-commerceConsumerProfessional ServicesConsultingEducationLogisticsSupply ChainOtherManufacturing

These fit tags are our interpretation of published eligibility, not an official commitment.

Who is probably not a good fit?

Teams outside the published applicant, sector, stage or company conditions should not apply solely because of the headline support. Check the current guide and weigh administration, cash-flow and reporting costs.

Financial and operating support

Maximum support: Maximum loan facility HK$18 million under the 80% guarantee product
Payment model: Not reimbursement-based
Stackability: This is bank financing supported by a government guarantee, not a grant and not automatic credit approval.
Double funding and cash flow: Borrowers must repay the lender and satisfy credit assessment, guarantee fees and use-of-proceeds rules.

Eligibility

Published requirements

eligible non-listed Hong Kong enterprise applying through a participating lender
Generally at least 1 year of business operation in Hong Kong

Practical recommendation

Before investing in an application, verify applicant entity, company age, team, IP, budget, matching cash and eligible costs. Ask the programme directly about anything not published.

Editorial analysis

Application process

Unless an official guide says otherwise, this is an application-preparation framework, not an official assessment sequence or timing promise.

1
Read the latest programme page and guide
2
Confirm applicant, stage and sector eligibility
3
Prepare project, team, budget and supporting evidence
4
Apply through the official channel and answer assessment requests
5
After admission, follow the agreement for milestones, reporting and claims

Sources

Official Resource Library

We provide official links, versions and structured explanations only. Original documents are not rehosted.

This page provides a plain-language interpretation of official materials. The official source remains authoritative.

Policy

Legislative Council Briefing on SME Financing Support

Supplementary official material. Check the source document, version and latest programme notice before applying.

Original language: English
Version: Not publicly specified
Published: 2026-02-02
Last verified: 2026-08-25

View official document

Official webpage