E-Commerce — Business Loan & Private Credit Case

Case context

E-Commerce · Cross-Border E-Commerce | No Local Collateral Case — Receivables and Platform Flows Structure

Financing obstacle

Rejected by bank systems for lacking local property despite under 1 year of operation

• 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 Assessment

• Customer exported sales, transaction and receivables reports from Amazon Seller Central and manually submitted the PDF or Excel files for assessment
• Assessed on overseas receivables submitted from the storefront; approval and timing rest with funding providers

Case outcome

Cross-Border E-Commerce | No Local Collateral Case — Receivables and Platform Flows Structure

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.