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Financing

Credit Cards

【信貸評級】4招妥善管理信用卡改善TU評級

信用卡的確為消費者帶來很多好處,不但付款變得方便,用家也能獲得許多優惠和回贈(想以信用卡支付所有支出,賺取更多優惠?使用Reap吧!),但信用卡這種產品是一個雙刃劍,如果不妥善使用的話,可能會弄巧反拙,影響你的個人信貸評級。環聯(TU)信貸評級與銀行信貸服務的審批程序息息相關,有一個良好的TU評級,對於你申請按揭、私人貸款,以致信用卡及銀行戶口等,都有很大好處。那麼,我們該如何從使用信用卡的習慣入手,改善TU評級?

Posted on 
Aug 12, 2019
  by
Neva Kwok
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Managing Money

5 tips for college students to manage their finance

If you don’t know how to start managing your finance, set a goal. How much do you want to save every month? What number do you expect to see in your bank account upon graduation?

Posted on 
Jul 4, 2019
  by
Neva Kwok
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Cross Border Payment

Effects of the trade war on HK businesses (the bad and surprisingly, the good)

It’s impossible to browse the news without seeing at least one article detailing the consequences of the US-China trade war that have been escalating since 2018.

Posted on 
Jun 12, 2019
  by
Daren Guo
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Growth Opportunity

When your business should take on debt

As business owners, taking on debt can be an effective of managing your cash flow. Whether you need it for business expansion (eg. hiring more people, buying more supplies, getting a bigger office space), or simply to provide peace of mind in case of unexpected delays in customer payment collection, external capital injections are an important part of operating any business.

Posted on 
Apr 26, 2019
  by
Daren Guo
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Leadership

運用私人貸款成就你的創業大計

創業絕非易事,找尋合適的資金來源往往是創業之初的一大艱鉅挑戰。如果你的銀行帳戶並無巨額儲備,你便需要從其他途徑找尋所需的現金,方能順利實踐大計。 小企業為公司籌組資金時,有多種借貸的形式和途徑可以選擇,例如:備用信貸、銀行融資、另類借貸人、私募基金和眾籌等等。但私人貸款呢?你能用私人貸款來營商嗎?

Posted on 
Apr 12, 2019
  by
Kevin Kang
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Growth Opportunity

Buyer initiated payments: Increasing payment terms & optimizing working capital

Reap allows you to pay any recipient using any credit card, sending funds securely from the card directly to the recipient’s bank account, without the recipient needing to set up any kind of merchant account, processor, payment gateway or point-of-sale device. We have received a lot of questions in the past months about how this works, and so today I wanted to explain more about the model behind the scenes.

Posted on 
Apr 5, 2019
  by
Kevin Kang
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Managing Money

Looking For Short-Term Cash Flow Solutions in Hong Kong? What Option Is Right For Your Business

If you have an immediate cash flow problem, then the quickest fix might be a short-term financing solution. It’s the fastest way to get money in your bank account if you don’t plan on receiving any large revenue payments within the next day. Find out in this article, the 3 best options for your business in Hong Kong for short-term cash flow solutions.

Posted on 
Mar 28, 2019
  by
Kevin Kang
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Credit Cards

How do I get a Business / Corporate Credit Card as a SME in Hong Kong

As your small business grows, your management needs will, too. You’ll have more employees, more invoices to pay, more accounts receivable. And you may have too many authorized users on your small-business credit card. At that point, it may be time to change from a small-business card to a corporate credit card.

Posted on 
Mar 7, 2019
  by
Kevin Kang
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Managing Money

Why Won’t Your Suppliers Accept Credit Card Payments? And How To Change Their Mind

According to PRNewswire.com, virtual card payments make up 50% of all B2B payments. Suppliers are accepting virtual card payments now more than ever before, but many still rely on outdated payment methods because they believe the fees don’t outweigh the benefits. Despite the most common objections for refusing to accept card payments, virtual cards offer clear benefits suppliers simply can’t ignore.

Posted on 
Feb 27, 2019
  by
Kevin Kang
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Credits & Loans

Is It Better to Get a Business Loan or a Business Line of Credit?

Small and medium sized business owners often will face this question when they have achieved a certain level of scale, and are considering options to finance their continued growth.

Posted on 
Feb 21, 2019
  by
Kevin Kang
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Managing Money

Cash flow 101: Why you should worry about cash flow instead of profit

82% of businesses fail due to poor cash flow management. Especially If you are a new SME (where cash management is especially challenging), it should be a key area of focus as you get your business up and running.

Posted on 
Feb 13, 2019
  by
Daren Guo
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