Riverchain is a data-driven fintech company. We conduct in-depth analysis of unique data in the construction industry, including project progress, payment cycles, and contractor track records, enabling more accurate risk assessment. This allows us to break through traditional credit frameworks and provide multiple financing opportunities for capable construction companies to meet their needs at different stages. 

We specialise in providing tailored short-term financing and loan solutions for contractors and subcontractors, helping you quickly access the working capital needed for your operations. Our services cover invoice financing, factoring , and project financing, with the ability to advance up to 90% of the payment application or payment certificate amount.

When facing unexpected payment delays, we provide fast working capital solutions to ensure you have sufficient cash flow to pay worker wages, purchase construction materials, and cover daily operating expenses. Our solutions can also strengthen your relationships with customers and suppliers, and free up your working capital for your next project. Through tailor-made financing solutions, Riverchain is committed to becoming your most reliable partner in driving growth and success on your business journey. 

Riverchain understands the construction industry and provides flexible financing solutions tailored to our customers. Compared to traditional financing options, our services offer the following advantages:

• • Advance up to 90%: Receive up to 90% of the invoice amount, helping you quickly access funds
  • Faster approval: Streamlined process to eliminate complex documentation and lengthy waiting times 
  • Simplified onboarding: Simply submit an approved invoice or payment certification to apply for financing

We offer bespoke financing solutions to meet your unique operational needs, allowing you to focus on project execution without financial concerns. Should you require further information, please feel free to reach out to our team. 

Invoice financing is a short-term financing solution that allows contractors to use payment applications or payment certificates for completed but unpaid work as documentation to apply for advance payments from Riverchain, with up to 90% of the invoice amount available for flexible cash flow management.

Case Study:

Suppose you need HK$1 million in working capital within two weeks. You have a HK$20 million contract with the following status:

• • The value of completed work (work done) is HK$3 million.
  • The latest payment certificate shows HK$2 million has been certified/approved.
  • Payment is expected in 60 days.

After successfully applying for Riverchain’s financing solution, we can advance up to 90% of the certified amount.

• • 90% × HK$2 million = HK$1.8 million in immediate cash

This means you can access HK$1.8 million now, instead of waiting 60 days — more than enough to cover your HK$1 million working capital requirement. We help clients access working capital immediately to maintain a strategic advantage in their business operations: execute project timelines efficiently, secure materials at optimal pricing, meet payroll obligations seamlessly, and capitalise on emerging market opportunities without delay.

Factoring financing involves selling your accounts receivable (invoices) to Riverchain International, allowing you to obtain immediate cash and improve your working capital.

Compared to traditional loans, factoring financing offers several distinct advantages: 1) No collateral is required; 2) Because the transaction is structured as a sale of receivables rather than a loan, it is not listed as a liability on your balance sheet, helping maintain a healthy corporate financial structure; 3) Financing is conducted on a contract or project basis, enabling you to access larger amounts of funding at once to fully support your operational needs; 4) The approval process is significantly faster; 5) The assessment focuses primarily on your customer’s (the payer’s) creditworthiness rather than solely on your company’s financial history, making factoring accessible to a wider range of contractors. 

Not necessarily, but it is a bonus. We will design suitable working capital solutions based on the customer’s actual situation. Please contact us to learn more.

You can contact us through the following methods. Our team will follow up with you as soon as possible to assist you with your application. 

• • Phone: +852 2667-3711 
  • WhatsApp Hotline: +852 6027-9211 
  • Complete the online form

Click here to get a free financing assessment and understand your cash flow situation.

You will need to provide project-related documents, including payment applications, payment certificates, payment history records, and other relevant project information. Once all documents have been submitted, we will conduct an assessment using our proprietary credit evaluation model and can provide you with a free quote within as little as 48 hours.

We can provide a free quote along with loan terms within as little as 48 hours. Once you accept the quote, funds will be disbursed promptly to your designated account.

We serve contractors and construction companies of all sizes. We fully understand the industry’s characteristically long payment cycles and accept payment applications based on project progress as the basis for financing.

We support:

• Project types: Government public works and private development projects
• Project scope: No limitations
• Customer targets: Main contractors, subcontractors, and material suppliers

Regardless of the type of project you work on or where you are in the supply chain, please contact us to find out if you qualify.

Our fees are transparent and competitive. Pricing is determined based on various factors, including the applicant’s financial status, invoice amount, and payment cycle. After completing the document review, we will provide a clear and detailed quote free of charge, with no hidden fees.

We provide advance financing of up to 90% of the invoice amount. The actual advance amount will be clearly stated in your free quote. Please contact us for more details.

We regard confidentiality as the core of our service. All financing arrangements, including documents, personal information, and communications, are conducted under strict privacy agreements. The information you submit will never be disclosed to third parties without your authorisation, ensuring full protection of your business confidentiality.