BUSINESS FINANCING

Letter of Guarantee

In regard to our mission "Rooted in Macau & Steadfast in Serving", we actively participate in Macau's economic development so as to contribute to the local economic growth and prosperity. To work with the Macau government in the infrastructure establishment and the beginning of other civil projects, which help to create employment opportunities, we issue Bank Guarantees to those recognized contractors in bidding for Government contracts such as:

(1)	Bid Bond
(2)	Performance Bond including Retention Money Guarantee, Advance Payment Guarantee, Payment Guarantee and Leasing Guarantee;
(3)	Bank Guarantee For Loan

Guarantee for Tax Duties

In China, enterprises that engage in value-added activities are required either to pay an undertaking fee or to submit a Letter of Tax Guarantee to the local customs if they want to import certain restricted materials into the country. To avoid paying the undertaking fee, our bank, through our extensive inter-branch network in China, issues Letter of Guarantee on behalf of our customers to the relevant customs.

Loan Program for ISO Consultant Fee

In order to improve the product quality and management skills, as well as the productivity and competitiveness of the Macau enterprises, we, on behalf of the Macau Productivity and Technology Transfer Center, provide consultant fee loan to those enterprises which aim to achieve ISO9000 and ISO14000 certificate. Procedures are simple with favorable terms. You are simply required to complete the application form and submit it together with relative identification documents to us.

1. Interest charge based on prime rate plus 0.5%p.a.;
2. Installment repayment up to three years;
3. Loan amount up to 100% of consultant fees, drawn by installment;
4. No guarantee is required;
5. Flat fee for 0.25% of the loan amount;
6. Express approval.

Macau Productivity and Technology Transfer Center
Tel: (853) 28781313
Our inquiry hotline: (853) 87921616 or (853) 87920164



			We are committed to support the economic development of Macau by providing industrial and business enterprises with various types of project financing such as Fixed Assets Loan and Working Capital Financing.

			Fixed Assets Loans
			We assist local enterprises by providing them with fixed assets loans for different purposes such as plant purchasing, acquiring of manufacturing equipment, premises erecting, etc. Besides, we also assist them in applying for Industrial Subsidized Interest Rate Regime of the Macau government.

			Working Capital Financing
			Apart from fixed assets loans, we offer loans with fixed deposit or savings deposit for security, Clean Loan and Revolving Overdraft to enterprises. The application procedure is easy and convenient. Other loan options include issuance of Bank Guarantee and Post-dated Cheque Discounting, etc. Furthermore, we introduce some "Specific Purpose Fund" such as Guarantee for Tax Duties and Loan Program for ISO Consultant Fees, which aims to fulfill the requirement of different customers.