Application

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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 for Specific Projects (available for download from the website);
2. Description and feasibility report of the specific project;
3. 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);
4. Other documents or materials that may serve as a reference for the Advisory Committee.

Notes:

• 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• An application will be deemed withdrawn if the application process is in halt for more than 3 months due to reasons attributable to the applicant.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.

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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 (CSRAEM)
   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 (CSRAEM-I)
   Address: Rua de Coimbra, n° 225, 3/F , Taipa
   Office Hours: Monday to Friday, 9:00 – 18:00 (no lunch break)

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Fee

Free of charge

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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 15 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.

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Notes/Information for Applicants

The enterprise participating in the SME Credit Guarantee Scheme for Specific Projects shall submit a report on the progress of the project every half year until the completion of the project; 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 Industrial and Commercial Development Fund (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

Credit guarantee is provided for assisting SMEs to obtain bank financing for carrying out the following specific projects:

• Enterprise innovation and transformation;
• Promotion and publicity of brands;
• Improvement of product quality;
• Launching new business activities.

Besides, this Scheme also assists SMEs directly affected by abnormal, unpredictable or force majeure events, particularly natural disasters or epidemic outbreaks to obtain bank financing for resolving short-term liquidity difficulties, such as paying the employees’ salaries and rental of business premises.

Guarantee Amount

Credit guarantee of up to 100% of loans, with amount not exceeding MOP1,000,000.00 (one million patacas) (interest and other expenses related to the repayment of loan excluded) will be provided to SMEs for obtaining the financing needed for specific projects.

Guarantee Period

The maximum guarantee period is 5 years from the date 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.

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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.

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