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Hong Kong startup and business loans in USD
USD financing for Hong Kong traders, startups and SMEs, with the Hong Kong dollar pegged to the dollar.
Who we help in Hong Kong
We help business owners prepare applications and connect with independent lenders that lend across borders, with expert advice to improve your chances of approval.
All financing is arranged in USD.
Trading companies
Importers and exporters connecting mainland China with global buyers.
Startups
Young companies with first revenue; see startup business loans.
Professional services
Consultancies, agencies and software firms invoicing internationally.
Established SMEs
Companies with documented accounts looking to scale.
Registration and documents
Lenders typically ask for:
- Business Registration Certificate
- Certificate of Incorporation and latest annual return
- Recent business bank statements
- Director HKID or passport, and purchase orders or invoices for trading firms
Borrowing in USD
The Hong Kong dollar trades within a narrow band against the US dollar (around 7.75 to 7.85), so borrowing in USD carries little exchange-rate exposure. It is one of the lowest-risk markets for a dollar loan.
Typical uses
Supplier prepayments
Fund orders before buyers pay with working capital loans.
Hiring and product launch
Early-stage funding is covered under startup loans.
Regional expansion
Opening an office elsewhere in Asia may suit expansion loans.
An illustration
A Hong Kong trading startup buys electronic components in USD and sells to buyers in Europe. It has traded for nine months and wants USD 60,000 to pre-pay a supplier. It supplies its Business Registration Certificate, bank statements and purchase orders. The lender sets the terms.
For illustration only. This is not an offer, rate or quote.
Local points to know
Hong Kong companies file annual returns and pay profits tax, and lenders review the filings. Corporations benefit from a two-tier profits tax rate. We do not give tax or legal advice.
I’ve worked with JP Lending for my business’s international expansion, and I couldn’t be happier with the experience. The application process was quick and simple, and their team provided support every step of the way. I highly recommend them to anyone looking for a loan!
Frequently asked questions
Can a new Hong Kong company apply?
Yes, usually after around six months of trading, with bank statements to show revenue.
Do I need a local director?
Hong Kong companies must have a director, and lenders will ask for ID for directors and significant owners.
Is the loan in HKD?
Financing is arranged in USD. Because HKD is pegged to the dollar, exposure is low.
Related financing options and other regions
Startup business loans
Early-stage funding for founders with a first revenue track record.
Loan typeWorking capital loans
Short-term funding to bridge payment gaps and seasonal swings.
Loan typeBusiness expansion loans
Funding to open a new site, enter a new market or scale up operations.
RegionUnited States
USD financing for foreign-owned US companies and non-US founders.
RegionRest of Europe
UK and European companies borrowing in USD against euro, pound and other revenue.
RegionNetherlands
Dutch BVs and exporters borrowing in USD against euro revenue.
Ready to apply for business funding?
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