The Bank of East Asia

Wholesale Banking

SME Financing Guarantee Scheme - Guarantee Provided by HKMC Insurance Limited

100% Guarantee product page

Main Features:

 Special 100% Loan Guarantee90% Guarantee Product80% Guarantee Product

Facility Type



Please be advised that the application period for the Special 100% Loan Guarantee Scheme has been closed on March 31, 2024.


Term loan

Term loan
or revolving credit line

Maximum Loan Tenor

5 years

7 years

Maximum Loan Amount



Promotional Offers

Offer1 : Guarantee fee rebate of up to HK$50,000

Terms and Conditions

Application and Enquiries

For Partial Principal Repayment "PPR" application or change of other loan term(s)
Please download the below form and select "Application for the Change of Loan Terms" to apply for PPR 


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For application or enquiries
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Please contact HKMC Insurance Limited ("HKMCI") for the most up-to-date information.



1 Offer : From now until 30th June, 2025, corporate customers can enjoy a guarantee fee rebate of up to HK$50,000 on any newly issued SFGS banking facilities that are drawn/become effective on or before 31st August, 2025.


Terms and Conditions of the Guarantee Fee Rebate:

  1. The SME Financing Guarantee Scheme (“SFGS”) is operated by HKMC Insurance Limited (“HKMCI”).
  2. Only customers who submit new applications for banking facilities of HK$3,000,000 or more under the SFGS from now until 30th June, 2025 (both dates inclusive) – and which are then approved and drawn down/become effective on or before 31st August, 2025 – are eligible for the Guarantee Fee Rebate (“Eligible Customers”).
  3. Customers can settle the guarantee fee in a single upfront payment or by making annual payments. Eligible Customers are entitled to a rebate amounting to 50% of the single upfront guarantee fee paid or 50% of the annual guarantee fee paid in the first year, up to a maximum rebate amount of HK$50,000 (“Guarantee Fee Rebate”).
  4. The Guarantee Fee Rebate will be credited to each Eligible Customer on or before 30th September, 2025, provided that the relevant SFGS account is still operative.
  5. Each Eligible Customer is entitled to receive the Guarantee Fee Rebate once if they have not held any SFGS facilities from BEA within the 12 months prior to the date of drawdown (excluding the Special 100% Loan Guarantee).
  6. BEA shall have sole discretion to determine which facilities under the SFGS and/or which portion of the facilities under the SFGS shall be eligible for the Guarantee Fee Rebate.
  7. If the facility(ies) under the SFGS is/are cancelled within 12 months from the date of  drawdown, the Eligible Customer shall immediately return the full amount of the Guarantee Fee Rebate to BEA. BEA may debit any such amount from the Eligible Customers’ BEA accounts at any time without prior notice.
  8. Approval of applications for facilities under the SFGS shall be at the sole discretion of BEA. BEA shall have sole discretion to determine or amend the methodology for calculating the Guarantee Fee Rebate and deciding the actual Guarantee Fee Rebate amount, which shall be conclusive and binding on the Eligible Customer.
  9. No employee of any member of the BEA Group, nor any companies under his/her control, are eligible to participate in this promotion.
  10. BEA reserves the sole right to vary or cancel all or any of the offers and/or amend or alter these Terms and Conditions at any time without prior notice. In the event of any dispute, the decision of BEA shall be final and conclusive.
  11. Should there be any discrepancy between the English and Chinese versions of these Terms and Conditions, the English version shall apply and prevail.