Lending software for Hong Kong

A dense financial centre where money lenders and virtual banks compete with FPS instant payments. lendhero arrives with TransUnion Hong Kong, iAM Smart and FPS already connected, so your team configures products instead of plumbing.

See the local stack
  • HKD (HK$)
  • English, Chinese
  • 14 local connectors
  • 1–2 weeks to launch

Hi, Wing

ApprovedHK$50,000

709

Credit score

On-time payments

Monthly paymentHK$2,460

Market profile

Hong Kong at a glance

What lendhero is set up for in Hong Kong before your team logs in.

Currency

HKD (HK$)

Languages

English, Chinese

Supervisor

HKMA and Companies Registry (money lenders)

Credit data

TransUnion Hong Kong, Multiple credit reference agencies

Payout rails

FPS, CHATS

Data protection

the PDPO

14
local connectors wired in before kickoff
HKD
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: English, Chinese

Working with borrowers in Hong Kong

Tools for every borrower conversation

Borrowers in Hong Kong apply, sign, pay and come back for repeat loans in English and HKD.

Applications in minutes

Borrowers apply on the web or in the app, and staff file applications from the back office. A half-filled form waits for them to come back.

New application

Draft saved
Step 2 of 4 · Personal detailsStep 2/4

Reminders that get read

Approvals, due dates and overdue notices go out by WhatsApp Business and Infobip automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowInfobip
New receipt in your portalSMS

Rewards for repeat borrowers

Points for on-time payments, promo codes for campaigns and manual adjustments by staff.

WELCOMEfirst loan
Bonus balance1,240 pts

A portal for repeat loans

Repeat borrowers reapply without retyping data, extend or repay from their phone.

Extend loan
Repay early
Refinance

Contracts without paperwork

Loan agreements, extension requests and receipts are generated and e-signed in English.

Loan agreementSigned
Extension requestReady
Payment receiptDraft

Decisioning

Decisions in seconds, explained in plain words

Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.

  • Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
  • Rules you can readYour team can answer any borrower about why.

Application #48213

Wing · Consumer loan, 6 months · HK$50,000

Approved
Credit score712
  • IdentityVerified
  • Anti-fraudPassed
  • Credit bureau712
  • Debt-to-income31%
  • Sanctions & watchlistsClear
Decision time28 s

Local stack

The Hong Kong stack, connected before kickoff.

TransUnion Hong Kong, iAM Smart, FPS and WhatsApp Business are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries2 connectors
    • TTransUnion Hong Kong
    • MMultiple credit reference agencies
  • Identity & KYC2 connectors
    • iiAM Smart
    • OOnfido
  • Bank & alternative data2 connectors
    • CCommercial Data Interchange
    • BBank statements
  • Disbursement rails2 connectors
    • FFPS
    • CCHATS
  • Repayments & collections2 connectors
    • FFPS direct debit
    • CCard
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • iiAM Smart
    • DDocuSign

Checks and payments

Who borrows and how money moves in Hong Kong

Applicants are checked with TransUnion Hong Kong and Multiple credit reference agencies, and money moves via FPS and CHATS.

Client checks

Checks connected in Hong Kong:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationiAM Smart, OnfidoPass
  • Credit bureausTransUnion Hong Kong, Multiple credit reference agenciesPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataCommercial Data Interchange, Bank statementsReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Hong Kong:

DisbursementFPS, CHATS in HKD
RepaymentFPS direct debit, Card
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • FPS
  • CHATS
  • FPS direct debit
  • Card

Loan servicing

Every loan and every repayment on one screen

Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.

  • Automatic calculations for every loanInterest, fees and penalties in HKD are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
  • Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
  • Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.

Loan #48213

HK$50,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid HK$17,830 of HK$53,5002 of 6 payments
DateAmountStatus
Sep 4HK$8,920Paid
Oct 4HK$8,920Paid
Nov 4HK$8,920Due in 7 days
Dec 4HK$8,920Upcoming
Jan 4HK$8,920Upcoming
Reminder sentYour payment of HK$8,920 is due Nov 4

Loan flow

How a loan runs in Hong Kong. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in English and Chinese.
  2. 02VerifyIdentity and documents are checked through iAM Smart and Onfido.
  3. 03DecideScorecards pull TransUnion Hong Kong and Multiple credit reference agencies data and return a decision in seconds.
  4. 04DisburseFunds go out via FPS or CHATS in HKD, straight after signing.
  5. 05CollectRepayments arrive via FPS direct debit and Card, with reminders over WhatsApp Business.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

HK$50,000

Next payment

HK$8,920 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

WingVerifierApproved
Daniel O.AnalystReview
Maria L.RiskApproved
Tomas K.AnalystDeclined
Lena P.VerifierReview

Staff portal

Managers, analysts, risk, verifiers and collectors work side by side.

Role · Verifier

12 users
View applications
Verify documents
Approve loans
Edit loan terms
Export reports

Super-admin portal

Products, roles, permissions and rules change without a release.

Products

What lenders in Hong Kong launch on .

Consumer instalment loansPersonal loans for salaried borrowers.
Business lendingSME loans on CDI bank data.
P2P lendingMarketplace lending.

Compliance

Configured for HKMA and the PDPO.

lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Hong Kong.

Hosting & data residency

Cloud or on-premise deployment, with data stored where the PDPO requires.

Consent & privacy

Borrower consents are captured, versioned and logged under the PDPO.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for HKMA rules.

Audit trail

Every decision, edit and message is logged for internal and external audits.

More markets in East Asia

All Asia markets

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Can lendhero run a lending business in Hong Kong?+

Yes. The platform is set up for HKD, English and Chinese and HKMA requirements, with 14 local connectors ready on day one.

Which credit data sources are connected in Hong Kong?+

TransUnion Hong Kong, Multiple credit reference agencies. On top of that, identity checks run through iAM Smart and Onfido and bank data comes from Commercial Data Interchange and Bank statements.

How do borrowers get paid and repay?+

Payouts go out via FPS and CHATS in HKD. Repayments arrive via FPS direct debit and Card, with reminders over WhatsApp Business and Infobip.

How long does a launch in Hong Kong take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 14 local services, product setup, staff training and a test run.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Book a demo

Lending in Hong Kong? Let’s plan the launch.

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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