Skip navigation


SME Credit Guarantee Scheme

Service Overview

The SME Credit Guarantee Scheme provides each beneficiary enterprise a credit guarantee up to 70% of the amount of the bank loan it applied for with a maximum guarantee amount of MOP4,900,000.00 (four million and nine hundred thousand patacas), excluding interests and other expenses related to the repayment of loan.

The Scheme aims to assist SMEs to obtain bank financing, which cannot be used for repaying existing debts, by providing credit guarantees without particular restrictions on the form of borrowing.

The maximum repayment period of loan is 5 years, from the date on which the loan is mobilised.

Service Target and Application Eligibility

To participate in the Credit Guarantee Scheme, enterprises must meet the following requirements:

  • Having been registered at the Financial Services Bureau (DSF) for tax purposes and operated in the Macao Special Administrative Region (SAR) for at least 1 year;
  • The individual commercial entrepreneurs (individual owners) must be Macao permanent residents; the collective person commercial entrepreneurs (corporate owners) must have over 50% of their capital contributed by residents of the Macao SAR;
  • Employing no more than 100 persons in Macao (employees must be subordinate to the enterprise according to Law No. 2/78/M on the Regulations imposed to Professional Tax, amended by the Approval of the Chief Executive No. 267/2003);
  • Being under appropriate economic, financial or organisational status, and not a debtor of the Macao SAR.

Note: The beneficiary enterprise is required to issue a promissory note and a counter-guarantee with an amount equivalent to that of the bank loan, on which the credit guarantee is provided, to the Industrial and Commercial Development Fund (FDIC).

Service Outcome

Assistance offered to applicant enterprises for obtaining bank financing through the provision of credit guarantee.


Executive department and unit: Economic and Technological Development Bureau (DSEDT) – Industry and Commerce Support Division

(1) Economic and Technological Development Bureau (DSEDT) – Industry and Commerce Support Division: Rua Dr. Pedro José Lobo, n°s 1-3, Luso International Bank Building, 3/F, Macao;
(2) Macao SAR Service Centre (CSRAEM): Rua Nova da Areia Preta, n° 52, Macao;
(3) Islands Service Centre of Macao SAR (CSRAEM-I): Rua de Coimbra, n° 225, 3/F , Taipa.

Tel. n°: (853) 2888 2088

Fax n°: (853) 2875 5011



WhatsApp & WeChat : 6297 9762

Content provider: Economic and Technological Development Bureau (DSEDT)

Last modified: 2024-01-10 12:16

Business Entrepreneurship and business

Is there anything wrong with this page?

Help us improve GOV.MO

* Mandatory field


All information on this site is based on the official language of the Macao Special Administrative Region. The English version is the translation from the Chinese originals and is provided for reference only. If you find that some of the contents do not have an English version, please refer to the Traditional Chinese or Portuguese versions.