Our leadership team has a wealth of entrepreneurial experience and thus we recognize the practicalities and challenges of raising capitals in dire times. It is our understandings of practical issues in running a business that sets us apart from our peers.

Not bounded by the increasingly rigid credit risk framework and approval processes upheld by large financial institutions, the team at Joy Rich can customize the most efficient solution to satisfy your financing requirements that cater to your business growths.

We understand the value of collaboration and we welcome potential collaborations with investors and/or other financial institutions to ensure a "win -win" outcome for all parties.

Our focus is to ensure our valued clients can materialise their business growth potential whilst the same time we can achieve sustainable return on capital on a risk-adjusted basis for our shareholders through robust risk management.