We’re here to support SMEs

Introducing a range of offers and service support to applicants of SFGS, making financing easier for Hong Kong SMEs.

In March 2024, we have announced a range of offers and dedicated services to SME customers in response to support measures introduced by the Hong Kong Monetary Authority. Over 7,000 customers have since benefited from interest rebate, fee waivers, access to new facilities and various loan extension arrangements. However, we understand our business community needs extra support to get through the on-going cost challenges faster. That’s why we are stepping up our financing support to SMEs in Hong Kong, making HKD5 Billion data-driven, pre-approved credit limits available to eligible customers and extending its two-month interest rebate offer for applicants of 80% and 90% Guarantee Products under SFGS to 31 December 2024.

Offers

From now until 31 December 2024, successful applicants of SME Financing Guarantee Scheme (SFGS) can enjoy a range of offers and service support¹, including :

2-month interest rebate of up to HKD10,000²
Handling fee waiver for the first year of up to HKD10,000²
Guarantee fee rebate of up to HKD50,000³
100% set-up fee waiver for new registrants of HSBC Business Collect, the e-Commerce and/or m-Commerce solution(s)⁴
100% transaction fee waiver in the first 2 months for new autoPay customers⁴

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90% Guarantee Product under the SFGS

80% Guarantee Product under the SFGS

Our commitment to helping SMEs enhance their financial resilience :

Fast and simple financing solution for business

Business Instalment Loan

No tangible assets as collateral required
No financial statement requiredⁱ

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Simplifying loan application process

HSBC Merchant Financing Programeⁱⁱ

Use of digital data to replace conventional trading documents for credit assessment
No financials or collateral required

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Banking at the speed of business

Automatic Bank Feedsⁱⁱⁱ

Automatically sync your bank transactions to your Excel or Google Sheet file daily

Microsoft Excel

Google Sheet

Making business easier

HBSC Business Go

Bringing together knowledge, tools, and a global community of like-minded business owners and partners, helping businesses to grow further

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

Note :

All applications for a Business Instalment Loan are subject to the applicable terms and conditions which will be set out in the application form and loan notification letter. Please refer to the application form for details.

All loan applications are subject to the Bank’s usual credit assessment approval procedure. The Bank reserves the right to amend the loan amount, interest rate, benefits and terms and conditions without prior notice. HSBC has not authorised or appointed any intermediaries to conduct telesales marketing activities for promotion of commercial lending / commercial cards.

1. Terms and conditions apply and are subject to contract. Please refer to the respective terms and conditions. HSBC “SME Financing Scheme 2024” General Terms and Conditions
2. HSBC “SME Financing Scheme 2024” - Interest Rebate and Handling Fee Waiver Terms and Conditions
3. Successful applicants of 90% or 80% Guarantee Product under the SME Financing Guarantee Scheme can enjoy guarantee fee subsidy up to HKD50,000. The application period for the subsidy ends on 31 Mar 2025. The decision of The Hongkong and Shanghai Banking Corporation Limited on application approval shall be final and conclusive. Refer to application form for detail terms and conditions
4. HSBC “SME Financing Scheme 2024” : AutoPay and HSBC Business Collect Offers Terms and Conditions

i. Limited companies which apply for Business Instalment Loan are required to provide Personal Guarantee by company owner(s).
ii. The module and features of HSBC Merchant Financing Programme with different partners are varied. Please check with HSBC team for more details.
iii. Savings and current accounts in all currencies are supported (except Passbook savings accounts).

Call Us

For enquiries, please speak to your relationship manager or call our SME Financing Hotline at

2748 8278

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