Free Loan Advisor, MoneyBuddy, Launches Revenue-Based SME Loans for Hong Kong Businesses Guaranteeing Lowest Available APR with Fastest Approval Times
HONG KONG – September 08, 2026 – Asset-light, early-stage and heavily reinvesting small and medium-sized businesses in Hong Kong are routinely declined by profit-and-loss-based SME underwriting even when their revenue is strong and growing. MoneyBuddy, the free, independent loan matching platform that matches a single application against 30-plus lenders including banks and licensed finance companies in Hong Kong, today launched a revenue-based SME loan Hong Kong businesses in that segment can qualify for without a P&L statement. MoneyBuddy, which operates under Thunder Financial Holding Limited and does not lend its own money or appear on a loan agreement, offers the new product through its Tier 1 bank partner category as a second underwriting path alongside its existing SME loan matching service.
MoneyBuddy’s new product qualifies applicants on revenue-based financing, using business revenue rather than reported profit as the basis for eligibility. The application also does not require a TU credit report, a change from the credit-file checks that typically accompany bank SME underwriting. MoneyBuddy structures the enquiry, gathers the borrower’s financials, and takes the resulting matches to its Tier 1 bank partners on the borrower’s behalf; the lender, not MoneyBuddy, makes the final approval decision, and loan amount, APR and approval time will vary by applicant and lender.
“We built this because we kept seeing SME owners with growing revenue get turned down over a P&L statement that reflected reinvestment, not weakness,” said [Spokesperson Name], [Title] of MoneyBuddy. “Matching applicants against revenue instead lets our Tier 1 bank partners see the business the way its bank statements actually show it operating.”
The revenue-based option adds a route for applicants whose profile would otherwise be filtered out at the P&L stage, without requiring the borrower to first apply to and be declined by a bank. It joins MoneyBuddy’s existing SME loan matching, which already serves businesses with at least one year of operation seeking working capital or expansion financing, as a second underwriting path within the same enquiry.
“Removing the TU report requirement doesn’t mean we ignore an applicant’s credit history, it means this particular product looks at the business through its revenue rather than through a credit file first,” said MoneyBuddy. “For a business that is profitable in every way that matters except on paper, that’s the difference between qualifying and not.”
Applicants can submit MoneyBuddy’s standard, free two-minute enquiry through the SME loan matching service to be assessed against the revenue-based option alongside the platform’s other Tier 1 bank and licensed lender matches. As with all MoneyBuddy matching, the enquiry uses a soft credit check that does not affect the borrower’s credit score, and MoneyBuddy charges no fee to the borrower at any stage, including enquiries that do not result in an offer. MoneyBuddy’s salaried, commission-free loan specialists take matched offers back to lenders to negotiate on the applicant’s behalf. Loan amount ranges, APR and approval timelines for the revenue-based product will vary by applicant and lender and will be confirmed as the product becomes available.
About MoneyBuddy
MoneyBuddy is a free, independent loan matching platform and advisor in Hong Kong operating under Thunder Financial Holding Limited for more than ten years, matching borrowers to the lowest APR in Hong Kong. It compares SME loan Hong Kong businesses can apply for alongside personal, mortgage, renovation, tax and medical loans, across a network of 30-plus licensed lenders — tier-1 banks, virtual banks, licensed money lenders and specialty SME lenders — and has matched more than 2,500 borrowers to date, including applicants previously declined by a bank. Quotes are passed through with a transparent APR, no markup and no hidden fees, and same-day funding is possible on approved personal and medical loans. MoneyBuddy is not a lender and never appears on a loan agreement; it charges borrowers no fees at any stage and its consultants work on fixed salaries with no commission from borrowers.
Media Contact
Company Name: MoneyBuddy
Contact Person: Scarlett Chan
Email: Send Email
Country: HongKong
Website: https://moneybuddy.hk/
