SMEloan Hong Kong Limited

45/F The Lee Gardens
33 Hysan Avenue
Hong Kong
ph: 852-21107338
fax: 852-21109733

Our Approach - Different markets different solutions

Different markets require different types of account receivable financing products due to

  • Different legal environment
  • Different  stage of development of SMEs towards financing
  • Different credit risk environment

Our consulting and advisory services cater to the unique environment where financial institutions operate because the account receivable financing  product that works in the U.S. or Hong Kong certainly would not work in China or Sauda Arabia. 

As a result, we separate the account receivable financing markets in the following three ways:

  • Well developed market ideal for Cash flow lending/Asset based financing

    This market contains the following characteristics:

    • SMEs have a high degree of accounting reporting
    • SMEs have a high level of usage of Internet and accounting software
    • SMEs have good understanding of account receivable financing
    • Legal structure for debt assignment in the country is well established

  • Moderately developed market ideal for Account receivable factoring

    This market contains the following characteristics:

    • SMEs have a medium degree of accounting reporting
    • SMEs have a medium degree of usage of accounting software
    • SMEs have little or no understanding of account receivable financing
    • Legal structure for debt assignment in the country is established 

  • Undeveloped market ideal for Transaction financing

    This market contains the following characteristics:

    • SMEs have a low degree of accounting reporting
    • SMEs have a low degree of usage of accounting software
    • SMEs have little understanding of account receivable financing
    • Legal structure for debt assignment in the country is not well established 

 

  
  
 

Depending on where your financial institution is located and the existing legal and operating infrastructure of your country, SMEloan will be able to consult and advise you the types of account receivable financing to offer your customers and how to implement the business plans.

 

Contact us today!

 

 

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45/F The Lee Gardens
33 Hysan Avenue
Hong Kong
ph: 852-21107338
fax: 852-21109733