永康科技工業區
Yongkang Technology Industrial Park

Urbanized zone: fully-developed residential and business functions with a population of 200,000 people
An industry with solid foundation: 2,500 factories and 400 automobile parts factories

The Loan Project of Small and Medium Enterprise Credit Guarantee Fund in Tainan

2018.03.14

In order to energize the economy in Tainan City as well as help the development of small and medium enterprises, Tainan City Government works in cooperation with guarantee funds to provide credit guarantee financing, “Firefly Credit Guarantee Loans for Small and Medium Enterprises in Tainan City”.  It was renamed as “Tainan SME loans under credit guarantee” on Feb. 26, 2016. Based on various types of small and medium enterprises, lending quota ranges from NT$500,000~$5,000,000 with a repayment period of 5 years. The purposes of these loans include the purchase and establishment of factories, operation locations, machinery equipment, or as an emergency operational fund.

 

1. Application Criteria

1.1. Type 1 (maximum lending quota of NT$500,000), matches the following requirements:

1.1.1.   Republic of China citizen who is registered in Tainan City and aged between 20 and 65.

1.1.2.   Operates a small-scale enterprise that has tax registration but does not require commercial registration (proof of tax registration and the certificate of below business tax threshold need to be obtained from the National Taxation Bureau of the Southern Area, Ministry of Finance).

1.2.  Type 2 (maximum lending quota of NT$2,000,000), matches the following requirements:

1.2.1.   Meets the small and medium enterprise standards.

1.2.2.   A company, sole proprietorship or partnership that is established in Tainan City, and holds company or commercial registration.

1.3.  Type 3 (maximum lending quota of NT$5,000,000), match the following requirements:

1.3.1.   Meets the small and medium enterprise standards.

1.3.2.   A company, sole proprietorship or partnership that is established in Tainan City, and holds company or commercial registration.

1.3.3.   Belongs to one of Tainan City’s main strategic industries – culture and creativity, fashion, green energy, and biotechnology. 

2. Purposes of Loans

2.1.  Purchase and establishment of factories, operation locations or machinery equipment. It is required to provide Sale and Purchase Agreement, Table of Contents of Machinery and Equipment, or any kinds of related documents to be verified.

2.2.  An emergency operational fund. The company is required to have been in operation for at least a year before the date of application.

3. Loan Period: Maximum of 5 years (including the grace period for principal, which is one year).

4. Repayment Methods: Fixed monthly installments of principal and interest except for the grace period.

5. Loan Interest Rate: According to Chunghwa Post Co., Ltd.’s “2-year Fixed Savings Floating Interest Rate” plus annual interest (1.145% floating interest rate).

 

For relevant documents or more information on application, please refer to the following contact details:

Economic Development Bureau, Tainan City Government / Credit Guarantee Fund

● Customer Service Line: Business Development Section, Economic Development Bureau, Tainan City Government 06-6377225

 

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