SME Banking Service
ICBC Macau is always here to back your business up. We deeply concern your needs and offer tailor-made financial solutions in every stage of your business.
Cash Management
To enhance your daily operation efficiency, ICBC Macau offers all-inclusive E-Banking services and a wide network of branches throughout Macau.
2nd Global Banking
3rd E-Payroll
Financing Services
In order to support the development of Small and Medium-sized enterprises(SMEs) in Macau, ICBC Macau provides a variety of financial products, which includes Bank Guarantee , Installment/ Term Loan and more. The financial services are incorporated with Macau Government's SME Aid scheme including “Loan Interest Subsidy” and “SME Credit Guarantee Scheme”.
1. What we provide?
(1) Bank Guarantee
(2) Installment/ Term Loan
(3) Overdraft Facility
(4) Revolving Loan
(5) Construction Loan
(6) Project Finance
(7) Trade Finance
(8) Invoice Finance
2.Why us?
(1) We provide tailor-made loan to each customer based on their needs;
(2) Each customer will be served by a professional officer to ensure your needs are met.
3. How to apply?
The following documents are required:
(1) Latest Business Registration Certificate, Tax Declaration for New Registration (M1), Latest Business Tax Declaration to Department of Financial Services (M8);
(2) Identification of corporate director(s), shareholder(s) and authorized signatory(s);
(3) Bank Statement (such as monthly bank statement or passbook. If the major Banking Operating Account is under ICBC Macau, such document is no longer required);
4. ICBC Macau will assist you in different Macau government’s SME Aid scheme:
(1) Loan Interest Subsidy (known as "4% Interest subsidy");
(2) Macau Government's SME Aid Scheme including “SME Credit Guarantee Scheme”(known as “3-7 Guarantee”) and “SME Credit Guarantee Scheme Designed for Special Projects.