客戶遲遲未付款？發票即刻變現金。 Customers paying late? Turn invoices into cash.
我哋直接買斷您已開出嘅發票，將未收嘅貨款變成而家嘅現金。 We buy your issued invoices outright and turn unpaid receivables into cash — now.
🔒 可保密 · 唔通知客戶 · 毋須物業抵押 · 當日回覆Confidential · customers not notified · no property collateral · same-day reply
生意有單，現金卻鎖喺發票度。Sales are strong — but the cash is locked in invoices.
香港中小企最大嘅壓力唔係訂單，而係付款期。錢未到，糧、租、供應商照樣要找。For HK SMEs the squeeze isn't orders — it's payment terms. Payroll, rent and suppliers won't wait for your customers.
買家普遍付款期，現金被長期佔用。Typical buyer payment terms — cash tied up for months.
中小企曾因現金流緊張而推遲增長或招聘。of SMEs have delayed growth or hiring due to cashflow strain.
傳統銀行貸款往往要物業抵押 — 多數中小企根本唔合資格。Bank loans often demand property collateral most SMEs simply don't have.
三步，將發票變成週轉現金。Three steps from invoice to working capital.
提交發票Submit your invoice
上載您已開出、尚未收款的發票。WhatsApp 或網上提交均可。Upload an issued, unpaid invoice — by WhatsApp or online.
約 10 分鐘~10 minutes快速審批Fast assessment
我哋評估買家信用，提供買斷報價及預付比例。We assess the buyer's credit and quote a purchase price and advance rate.
同日回覆Same-day reply24 小時內到賬Cash within 24 hrs
確認後，款項直接過數到您公司戶口。客戶找數後完成結算。On acceptance, funds go straight to your company account; settled when your customer pays.
最快 1 小時As fast as 1 hour為香港中小企而設。Made for Hong Kong SMEs.
快Fast
24 小時內到賬，最快 1 小時，趕得切出糧同供應商數。Funded within 24 hours — as fast as 1 hour, in time for payroll and suppliers.
免物業抵押No property collateral
以發票本身為基礎，毋須抵押物業或資產。Based on the invoice itself — no property or asset pledge.
可保密Confidential option
可選擇不通知您的客戶，維持商業關係。Choose a non-notification arrangement; your client relationships stay intact.
香港本地Hong Kong–based
本地團隊、廣東話對應、熟悉本地中小企。Local team, Cantonese support, built around HK SMEs.
政府擔保貸款陸續結束，仲有咩選擇？The guarantee schemes are winding down — what's next?
唔少香港中小企靠「中小企融資擔保計劃」（SFGS）捱過咗最艱難嘅時期。而家幾個安排已經或即將結束： Many Hong Kong SMEs got through the hardest years on the SME Financing Guarantee Scheme (SFGS). Several arrangements have now closed or are closing:
百分百擔保特惠貸款100% Special Loan
已於 2024 年 3 月停止接受新申請。Stopped accepting new applications in March 2024.
九成信貸擔保產品90% Guarantee Product
已於 2026 年 3 月結束。Ended in March 2026.
還息不還本安排Principal moratorium
申請期限：2026 年 11 月 17 日。Application deadline: 17 November 2026.
SFGS 累計承認SFGS to date
承認貸款 118,236 宗，超過 HK$3,000 億。呢個時代正逐步落幕。118,236 loans approved — over HK$300bn. That era is drawing to a close.
WhatsApp 一個訊息就夠One WhatsApp message is enough
發送以下三項資料，我哋當日回覆初步報價。毋須提交任何文件。Send us these three details and we'll reply the same day with an indicative quote. No documents needed.
🔒 可保密 · 唔會通知您嘅客戶 · 當日回覆Confidential · your customers are never notified · same-day reply
聯絡我哋即表示您同意By contacting us you agree to the 私隱政策及個人資料收集聲明Privacy Policy & PICS。.
您可能想問Questions you may have
這是貸款嗎？Is this a loan?
不是。我哋以真正買賣方式買斷您嘅應收賬款，並非放債，亦毋須物業抵押。No. We purchase your receivables outright on a true-sale basis. It is not money-lending and requires no property collateral.
我的客戶會知道嗎？Will my customers know?
可以選擇保密（不通知）安排，您與客戶的關係維持不變。You can choose a confidential, non-notification arrangement so your customer relationships are unaffected.
收費點計？How is pricing calculated?
折扣費按發票金額、買家信用及付款期計算。WhatsApp 查詢後我哋會提供清晰的初步報價，無隱藏收費。A discount fee based on the invoice amount, buyer credit and payment terms. Message us on WhatsApp and we provide a clear indicative quote with no hidden charges.
而家可以即刻用嗎？Can I use it right now?
我哋正處於早期驗證階段，服務即將推出。而家 WhatsApp 查詢嘅企業將獲優先安排。We're at an early stage and launching soon. Companies that message us now get priority onboarding.
我的資料安全嗎？Is my information safe?
您提供的資料只用於本次查詢及聯絡，並按香港《個人資料（私隱）條例》處理。The details you provide are used only for this enquiry and contact, and handled in line with the HK Personal Data (Privacy) Ordinance.