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SME Loan

  • Item 1

This is applicable to the SMEs in Macau for purchasing plants for industrial use, commercial buildings, operating equipment and special projects that require financing such as enterprise restructure and innovations, product promotion, quality improvement as well as operating funding. Applicants have to comply with the statutory requirements of this financing programme for SMEs and have to submit required documents. Our Bank may help the applicants to apply for the “Interest Subsidized scheme on Bank Loans to Enterprises“, “SME Credit Guarantee Scheme” and “SME Credit Guarantee Scheme Designated for Special Projects” from Macau Economic Services once verified

                                                                         

Corporate Financing

Interest Subsidy Scheme

Maximum Credit Guarantee

N/A

Maximum Loan Amount 
with Interest Subsidy

MOP 10 Million
      (Annual Government interest subsidy is 4%)

Length of Repayment (Year)

Maximum 4 years

Scope

Applicable to the purchase of machinery, plant, office and refurbishment made within the last 6 months for business purpose

Eligibility
  • Established legally
  • Compliant with the regulations of the Social Security Fund on the status of contribution
  • Holding legal license for the operations of concerned business or equivalents
                                                                         

Small and Medium-sized Enterprises

Credit Assurance Scheme

Maximum Credit Guarantee

MOP 3.5 Million

(Government credit guarantee equals to 70% of the loan amount)

Maximum Loan Amount 
with Interest Subsidy

N/A

Length of Repayment (Year)

Maximum 5 years

Scope

Applicable to the purchase of machinery, plant, office and refurbishment made within the last 6 months for business purpose

Eligibility

  • Established legally
  • Compliant with the regulations of the Social Security Fund on the status of contribution
  • Holding legal license for the operations of concerned business or equivalents
                                                                         

Small and Medium-sized Enterprises Special Project

Credit Assurance Scheme

Maximum Credit Guarantee

MOP 1 Million

(Government credit guarantee equals to 100% of the loan amount)

Maximum Loan Amount 
with Interest Subsidy

N/A

Length of Repayment (Year)

Maximum 5 years

Scope

      Applicable to the special projects related to innovation & transformation, brand promotion or product quality improvement

Eligibility

  • SMEs
  • Operating in Macau SAR for at least 3 years
  • Under the appropriate economic, financial and organizational status to undertake the required liability
  • Not a debtor of Macau SAR
  • Compliant with the regulations of the Social Security Fund on the status of contribution