SME WORKING CAPITAL LOAN

Working capital is crucial to a successful business. ORIX is pleased to offer the SME Working Capital Loan to facilitate your specific needs.

We participate in offering:
 
  • SME Financing Guarantee Scheme  (SFGS)
  • SME Loan Guarantee Scheme  (SGS)


Competitive Advantage
 
  • Preferential interest rate
  • Speedy approval of application

Notes:
(1) The SFGS is provided by the HKMC. For details, please visit the website of the HKMC: www.hkmc.com.hk/eng/our_business/sme_financing_guarantee_scheme.html
(2) The SGS is launched by the HKSAR Government. For details about the SME Loan Guarantee Scheme (“SGS”), please visit the website of the Trade and Industry Department: www.smefund.tid.gov.hk/english/sgs/sgs_faq.html



 
Loan features:

SFGS (SME Financing Guarantee Scheme)

 
SFGS (SME Financing Guarantee Scheme)
Introduction The Hong Kong Mortgage Corporation Limited (HKMC) launched the SME Financing Guarantee Scheme (Scheme) on 1 January 2011. The Scheme aims to help small and medium-sized enterprises (SMEs) and non-listed enterprises obtain financing from participating lenders for meeting their business needs so as to enhance their productivity and competitiveness in the rapidly changing business environment.
Maximum Loan Amount - For existing customer with over 1 year business relationship with ORIX:    
 HK$6 million max; or
 HK$12 million max (only if the guarantee is 80% coverage)
 
- For new / existing customer with less than 1 year business relationship with ORIX:
 HK$3 million max; or
 HK$6 million max (only if the guarantee is 80% coverage).
Maximum Loan Tenor 5 years
Guarantee Amount - Guarantee coverage on 50%, 60% or 70% of the amount of the eligible loan facilities; or
- Guarantee coverage up to 80% of the amount of eligible loan facilities (under the Special Concessionary Measures)
Eligibility - Eligible enterprises must have business operation in Hong Kong and be registered in Hong Kong under the Business Registration Ordinance (Chapter 310). They must also have business operation for at least one year on the date of guarantee application, and have good loan repayment record.
- Listed companies, lending institutions and affiliates of the lender are not eligible for the Scheme.


  SGS (SME Loan Guarantee Scheme)
 
SGS (SME Loan Guarantee Scheme)
Introduction The SGS is a loan guarantee scheme whereby the Government acts as the guarantor of individual SMES to help them secure loans from the PLIs for (a) acquiring business installations and equipment and (b) meeting working capital needs of general business uses.
 
The overall objective of the SGS is to assist SMEs in enhancing their productivity and competitiveness.
Loan Purpose Business Installations and Equipment Loans
 
Acquiring business installations and equipment include:
Machinery
Tools
Computer software and hardware
Communication system
Office equipment
Transport facilities
Furniture and fixtures (e.g. air-conditioning system, built-in cabinets and lighting system, etc., but excluding decoration works)
Working Capital Loans
 
Meeting working capital needs for general business uses.
Maximum Loan Amount - For existing customer with over 1 year business relationship with ORIX:
 HK$6 million max.
 
- For new / existing customer with less than 1 year business relationship with ORIX:
 HK$3 million max.
Maximum Loan Tenor 5 years
Guarantee Amount >The amount of guarantee for an SME is 50% of the approved loan, subject to a maximum amount of $6 million.
Eligibility >Enterprises, except for lending institutions and their associates, which meet the following criteria are eligible to apply for guarantee under the SGS:
 
a. Registered under the Business Registration Ordinance (Chapter 310) and with substantive business operation in Hong Kong; and
b. An SME under the definition of the Government of Hong Kong Special Administrative Region.

Application has been made very easy for our tempting offer:

APPLICATION HOTLINE

2862 9251

ONLINE ENQUIRY

APPLICATION FORM