Products | joyrichfinance-1

- Our Products -

Joy Rich offers a range of short to medium term financing solutions to cater for immediate and urgent capitals requirements of entrepreneurs and business owners. Flexible tenors, competitive rates and fast approval time allow our clients to capitalise on timely capital allocation decision.

Asset Backed Loan

Specializing in asset backed loan (1st or 2nd legal charge) against high value luxury residential and commercial properties

Entrepreneur Loan

Providing businessmen and entrepreneurs an alternative funding avenue to conventional financing means.

Equity Loan

Loan against shares of private and public companies.

Account Receivables Loan

Financing the credit period offered to your customers, helping you to grow your business further.

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Asset Backed Loan

Specialization in luxury residential and commercial properties, providing the most efficient asset backed financing solutions.

Loan up to 90% of your property value in the form of 1st or 2nd legal charged asset backed loan, providing you with maximum value for your property.

Reference Terms:

Loan Products: 1st and/or 2nd Legal Charge
Collaterals: Luxury Residential or Commercial Properties or Offshore assets holding company
Maximum Loan Amount: HKD80 million
Property Location: Hong Kong or China
Loan Tenor: 2 months to 3 years
Loan Repayment: Bullet or Amortized
Currency: HKD or RMB or USD
Loan to Value: Maximum 90% of market value
Credit Approval Time: min. 6 hours

Flexibility in interest payment and principal repayment terms. You can decide the interest payment frequency and tenor as per your requirements.

Personalized Service provided by our professional team at onset as well as after loan disbursement.

Quick and Easy approval process without the requirement for income proof. We will assign a dedicated relationship manager to service you.

Equity Loan

Unlocking value of your shareholdings in publicly listed companies.
Majority shareholding in privately held companies will also be considered as valid collaterals.
Provides further flexibility to our valued clients for an holistic financing solution.

Reference Terms:

Loan Products: Loan secured by Public and/or Private shareholding
Collaterals: Publicly listed companies in Hong Kong or cash generating private company
Property Location: Hong Kong or China
Loan Tenor: maximum 1 year
Loan Repayment: Bullet or Amortized
Currency: HKD or RMB or USD
Loan to Value: Approved on a case-by-case basis

Entrepreneur Loan

Tailor made for Entrepreneurs.
Flexible structuring options.
Less stringent compared to conventional means.
Help grow your business or fund your IPO listing expenses.

Reference Terms:

Loan Products: Personal Loan or Company Loan
Security: company share warrants or options and/or personal guarantee
Loan Tenor: up to 2 years
Currency: HKD or RMB or USD

Account Receivable Loan

Ideal for manufacturer or trading business to expand sales.
Proprietary credit assessment framework on obligors allowing effective financing means.
Unlocking cash from working capitals.

Reference Terms: