IFS Hong Kong only provides financing services to SMEs incorporated in Hong Kong.
Eligibility criteria include:
• The borrowing company's paid-up capital must be at least HKD 1 million
• The financing must be used for commercial or business purposes
• The loan must be secured by eligible property
Required documents generally include:
• Hong Kong ID card / Passport
• Company documents
• Property details
• Current mortgage payment records
• Bank statements
• Financial statements or proof of income
• Guarantor's TU credit report
Depending on the individual case and transaction structure, we may request additional documents.
IFS Hong Kong specializes in providing property-backed financing solutions for Hong Kong SMEs.
Our financing solutions include:
• Mortgage Loans
• Mortgage Refinancing
• Property Equity Release / Cash Out
• SME Mortgage Financing
• Bridge Loans
• Property-backed Working Capital Financing
No. IFS Hong Kong does not provide unsecured personal loans or personal consumer loans.
All financing is provided to eligible businesses and is primarily secured by property collateral.
We accept various types of Hong Kong properties as collateral, including:
• Private residential properties
• Commercial properties
• Office buildings
• Retail shops
• Industrial properties
• Village houses
• Car parking spaces
All applications are subject to valuation and internal approval.
Not necessarily. We accept third-party mortgage arrangements.
The mortgaged property does not need to be owned by the borrowing company. Upon approval, properties owned by the following individuals or companies can be used as collateral:
• Directors
• Shareholders
• Related companies
• Family members or related parties
Yes, directors or shareholders can use their personally owned residential or commercial properties as collateral to secure company financing.
This arrangement is quite common among SMEs and family-owned businesses in Hong Kong.
We understand that many SME owners and entrepreneurs may not have traditional income models.
Loan applications will be comprehensively assessed based on the overall situation, including:
• Company background
• Asset status
• Cash flow
• Repayment ability
• Collateral value and security
After receiving the required documents, we can generally provide preliminary approval results within 24 hours, and the loan can be disbursed in as little as two weeks.
More complex cases may require additional review time.
All legal documents and mortgage registrations (where applicable) are handled by a designated law firm to ensure compliance and the integrity of the security interest.
Repayment terms will depend on the loan structure and financing solution, and these terms will be clearly disclosed before formal approval.
Applicable fees will depend on the loan structure and financing arrangements. We will clearly outline all fees before proceeding.
