E-Commerce — Financing case

Case context

E-Commerce · No Local Real Estate ➔ $1.56M HKD Credited in 12H

Financing obstacle

Instantly Rejected for Lack of Local Property

• All inventory held in foreign Amazon warehouses, ignored by tier-1 banks
• Virtual shell office flagged for lack of operational tenure

Client-provided information

The customer exported sales, transaction and receivables reports from Amazon Seller Central and manually submitted PDF or Excel files; there was no API integration.

Approach

Data-Driven Alternative Credit Channels

• Customer exported sales, transaction and receivables reports from Amazon Seller Central and manually submitted the PDF or Excel files for assessment
• Bypassed local asset audit; deployed growth lines against receivables

Case outcome

No Local Real Estate ➔ $1.56M HKD Credited in 12H

Without Hong Kong property, conventional assessment was difficult. The customer exported sales, transaction and receivables reports from Amazon Seller Central and manually submitted the PDF or Excel files; this case was ultimately approved for US$200,000 based on overseas receivables.