In the modern financial landscape, private credit and direct lending have become increasingly important sources of capital for businesses and investors. For borrowers, it can provide a flexible and responsive alternative to traditional bank financing, while for lenders, it offers the potential for attractive risk-adjusted returns. However, the business of money lending is a regulated activity that demands the highest standards of governance, documentation, and operational control to ensure it is conducted in a compliant and responsible manner.
Zetland Fiduciary Group supports our clients with regulated money lending services, provided through our own licensed affiliates and a network of trusted partners in key financial centres. Our focus is on providing a framework that ensures all lending activities are managed to an institutional standard. We prioritise robust governance, meticulous documentation, and operational efficiency throughout the entire lending lifecycle.
Our service is designed to cater for clients with occasional needs for short- to medium-term financing, providing a transparent and straightforward process. We ensure that all lending is conducted with clear and fair pricing, appropriate security documentation where applicable, and a disciplined approach to loan servicing and administration. This commitment to professionalism and compliance provides a secure and reliable platform for both borrowers and lenders, ensuring all transactions are executed with integrity and precision, meeting the requirements of regulators and all stakeholders involved.
Hong Kong has a robust regulatory framework for money lending, governed by the Money Lenders Ordinance. Our service in Hong Kong is provided through our own licensed money lending affiliates, ensuring all activities are conducted in full compliance with these regulations. Our process begins with a thorough and professional underwriting procedure. This includes stringent Know Your Customer (KYC) and Anti-Money Laundering (AML) checks on the borrower, as well as a detailed credit assessment to evaluate the purpose of the loan and the borrower's capacity to repay.
We believe in transparent and responsible lending, so all terms are clearly communicated from the outset. We manage the preparation of all legal documentation required for the transaction. This includes a detailed facility letter or loan agreement that clearly sets out the loan amount, interest rate, repayment schedule, and any associated fees. Where the loan is to be secured, we also handle the preparation and registration of the relevant security documentation, such as a share charge or a property mortgage.
We ensure that all drawdown procedures are managed efficiently, with clear mechanics for the release of funds. Once a loan is active, we provide diligent ongoing servicing. This includes the collection of interest and principal payments, the issuance of regular statements to the borrower, and the management of any variations to the loan terms. Our professional and compliant approach provides a reliable platform for private credit activities in Hong Kong, offering a clear and well-documented process that protects the interests of all parties to the transaction.
Zetland Fiduciary Group operates a global network of offices to support clients across key international financial hubs. Whether you are seeking guidance on company formation, trust administration, accounting, or cross-border transactions, our local experts in Hong Kong, Shanghai, Singapore, and London are ready to assist.
Contact any of our offices directly for tailored advice and seamless service.