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SME Credit Guarantee Scheme / SME Credit Guarantee Scheme Designated for Special Projects

The SAR government will act as a credit guarantor for the small and medium enterprises in their application for bank loans so that the SMEs will have the additional funds necessary for business expansion.

Details of the Schemes

  SME Credit Guarantee Scheme SME Credit Guarantee Scheme Designated for Special Projects
Loan Amount Maximum MOP5 million Maximum MOP1 million
Percentage of loan guaranteed by the SAR Government Up to 70% (maxi. MOP3.5 million) Up to 100% (maxi. MOP1 million)
Purpose of Loan No limitation Special projects *
Loan Tenor Up to 5 years Up to 5 years

* For projects developed specially: 1. To reform and alter the types of business; 2. To promote and advertise the own brands; 3. To improve quality of products.

Enterprises Eligible

  • Existing tax payers registered with the Financial Service Bureau and have been in business in Macau for:
    • at least a year (SME Credit Guarantee Scheme)
    • at least 3 years (SME Credit Guarantee Scheme Designated for Special Projects)
  • Any sole proprietorship of which the owner is a Macau ID holder;
  • At least 50% (or above) of company’s capital are owned by Macau residents;
  • With less than 100 employees;
  • Not a debtor of the Macau SAR government;
  • Have fulfilled the obligation as an employer to make contribution payment to the Social Security Fund (if applicable).

Application Documents Required

1. Fill out an Application form (Part 1) (Available for download from the Macao Economic Services website :;

2. A copy of the Company Incorporation form (M1);

3. Copy(ies) of the Identify document(s) of the owner or shareholders of the SME enterprise;

4. Copies of the commercial registration document of the company (if applicable) and Certificate of Incorporation (i.e. Full set of commercial registration documents of the company issued within 3 months);

5. Employers please provide copies the latest Social Security Fund payment receipt together with the application form;

6. Declaration of no tax arrears issued by Macau Financial Service Bureau;

7. Copies of financial statements / Profit Tax – Income Declaration (M1);

8. Bank statements for the last 6 months;

9. Copies of the license/permit for the operation of the relevant business (if any);

10. Information of guarantor(s) (if any);

11. For application of SME Credit Guarantee Scheme designated for special projects, please provide details of the special project and the related feasibility report.

BOC SME Service - Loans

Inquiries and Application

For further information on how we may help you to apply for the SME Credit Guarantee Scheme and the SME Credit Guarantee Scheme Designated for Special Projects, please contact our Relationship Managers by calling BOC Service Hotline 888 95566 or visiting any sub-branch (click here) near you.

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