The SME Credit Guarantee Scheme provides each beneficiary with a credit guarantee equal to 70% of the bank loan amount requested, whilst the maximum guarantee offered is MOP 4,900,000. The amount of guarantee provided excludes the interest and any other expenses in relation to the loan’s repayment.

The purpose of the Scheme is to assist SMEs in being financed by banks through offering of credit guarantee. The loan obtained may not be used to repay any outstanding debt; however, there is no limitation in regards to the form of the loan.

The repayment period of the loan is limited to a maximum of five years, counting from the drawdown date.

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