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SME Credit Guarantee Scheme


How to Apply

Application Procedures and Required Documents

Application Methods

Interested SMEs may contact the banks participating in this Scheme, which will assist with their applications by preparing all the application documents and submitting them to the application office on their behalf. When applying for this Scheme on behalf of a SME, the bank shall submit:

  1. Duly completed Application Form for the SME Credit Guarantee Scheme (available for download from the website);
  2. Copy of identification document of the individual owners or shareholders (please photocopy both the front and back of the identity card on the same side of an A4 paper);
  3. Other documents or materials that may serve as a reference for the Advisory Committee.


  • The Advisory Committee may request applicant enterprises to provide reports, documents or information about their economic situations and capacities to service debt obligations on a case-by-case basis.
  • An application will be deemed withdrawn if the application process is in halt for more than 3 months due to reasons attributable to the applicant.
  • Anyone who provides false information or uses other unlawful means during the application process to obtain the credit guarantee shall be held civilly and criminally liable in accordance with law.

Service Locations and Hours

Apply in person

  1. Economic and Technological Development Bureau (DSEDT) – Industry and Commerce Support Division
    Address: Rua Dr. Pedro José Lobo, n°s 1-3, Luso International Bank Building, 3/F, Macao
    Office Hours:
    Monday to Thursday, 9:00 – 13:00, 14:30 – 17:45
    Friday, 9:00 – 13:00, 14:30 – 17:30
  2. Macao SAR Service Centre
    Address: Rua Nova da Areia Preta, n° 52, Macao
    Office Hours: Monday to Friday, 9:00 – 18:00 (no lunch break)
  3. Islands Service Centre of Macao SAR
    Address: Rua de Coimbra, n° 225, 3/F , Taipa
    Office Hours: Monday to Friday, 9:00 – 18:00 (no lunch break)


Free of charge

Time Required for Assessment

After initial verification of materials, the application will be passed to the Advisory Committee for delivering an opinion. The DSEDT will submit the application file to the Secretary for Economy and Finance within 20 working days upon receipt of all required application documents, and then to the Chief Executive for assessment.

Upon completion of the assessment process, the DSEDT will issue an official approval notice to the representative bank.

The credit guarantee must be established within 90 days from the date the applicant SME is notified of the decision.

Notes/Information for Applicants

The lending bank shall submit a report on the repayment and financial status of the enterprise every half year. Furthermore, the beneficiary enterprise is obliged to report to the FDIC through the DSEDT under the following circumstances:

  • The enterprise has its business scale grown beyond the requirements set out in laws and regulations during its participation in the Scheme;
  • The enterprise changes its business activities during its participation in the Scheme;
  • Changes in shareholding of the enterprise;
  • The enterprise encounters significant financial problems during its participation in the Scheme;
  • Any changes to the details of the enterprise or guarantors specified in the application form.

Form of Borrowing

The SME Credit Guarantee Scheme supports the development of local SMEs with an aim to assist SMEs to obtain bank financing by providing credit guarantees. The loan obtained shall not be used for repaying existing debts, and there is no particular restriction on the form of borrowing.

Guarantee Amount

Each SME will be provided with a credit guarantee amount up to 70% of the amount of the bank loan it applied for, but not exceeding MOP4,900,000.00 (four million and nine hundred thousand patacas) (excluding interest and other expenses related to the repayment of loan).

Guarantee Period

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

Participating Banks

(Listed in no particular order)

  • Bank of China Limited
  • Tai Fung Bank Limited
  • OCBC Wing Hang Bank Limited
  • Delta Asia Bank Limited
  • China Construction Bank (Macau) Corporation Limited
  • Luso International Banking Limited
  • Banco Comercial de Macau, S.A.
  • Banco Nacional Ultramarino, S.A.
  • The Hongkong and Shanghai Banking Corporation Limited
  • Chong Hing Bank Limited
  • Hang Seng Bank Limited – Macau Branch
  • Bank of Communications Co., Ltd. Macau Branch
  • China CITIC Bank International Limited Macau Branch
  • Industrial and Commercial Bank of China (Macau) Limited
  • The Bank of East Asia, Limited, Macau Branch
  • China Guangfa Bank Co., Ltd., Macau Branch
  • CMB Wing Lung Bank, Limited – Macau Branch
  • Ant Bank (Macao) Limited
  • First Commercial Bank, Ltd.

Progress Enquiry and Application Result Collection

Method to collect the application result: Upon completion of the assessment process, the DSEDT will issue an official approval notice to the representative bank.

Content provider: Economic and Technological Development Bureau (DSEDT)

Last modified: 2024-04-30 11:30

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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.