Capital is an important element for business development. Fubon Merchant Receivables Financing enables merchant to make use of future credit card receivables in exchange for the instant cash flow. Merchant with average monthly credit card receivables records of HK$10,000 or above in the last 3 months can apply. It's truly easy to achieve your goal!

• NO handling fee
• Discounted interest rate as low as 1.2%
• Tenor up to 36 months
• Refinancing amount up to HK$5,000,000 or 7 times of average monthly credit card receivables (whichever is lower)
• No financial statements nor collateral
• Repayment deducted directly from merchant’s daily credit card receivables

1.	Once application is approved, cash (after deducting handling fee) will be credited to the Fubon bank account of the credit card merchant directly

2.	Convenient and direct repayment : Repayment will be automatically deducted from the daily credit card receivables at a pre-set percentage

3.	Good news! Flexible repayment is allowed. The better the business, the faster the merchant can clear the repayment.

1. 1. Once application is approved, cash (after deducting handling fee) will be credited to the Fubon bank account of the credit card merchant directly
2. 2. Convenient and direct repayment : Repayment will be automatically deducted from the daily credit card receivables at a pre-set percentage
3. 3. Good news! Flexible repayment is allowed. The better the business, the faster the merchant can clear the repayment.

For application or details of the service, please call Merchant Receivables Financing Hotline at 2806 7231 during office hours*, OR press here to register.

^*Monday to Friday: 9am – 10pm; Saturday: 9am – 1pm (except public holidays)

Remarks: The above products, services and offers are bound by the corresponding terms and conditions, please contact Fubon Bank staff for details.

Terms and Conditions

Terms and Conditions of Merchant Receivables Financing:

1.	Fubon Online Payment Service (“the service”) is from now till 31 December 2023 (“promotion period”).
2.	Customer must apply Fubon Merchant Receivables Financing during the above MRF promotion period and submit the application form together with the below full set of documents. Customer who successfully apply and drawdown the loan will enjoy the discounted interest rates: i. Identity Document of Sole Proprietor / Partner(s) / Director(s) / Shareholder(s) ii. Latest Residential Address Proof of the last 3 Months of Sole Proprietor / Partner(s) / Director(s) / Shareholder(s) iii. Latest Merchant Account Statement of the last 3 Months iv. Business Registration Certificate v. Certificate of Incorporation (for Limited Company) vi. Memorandum & Articles of Association (for Limited Company)
3.	Promotional offer is only applicable to credit card merchant who has maintained an average monthly credit card receivables records of HK$10,000 or above in the last 3 months
4.	Fubon Bank (Hong Kong) Limited (“The Bank”) reserves the right to request additional documents from customer on a case-by-case basis. The Bank reserves the right to the final decision of loan approval and determine the approved loan amount.
5.	The Bank reserves the right to offer other discounted interest rates, loan tenors or merchant receivables financing plans subject to the approval result of each customer.
6.	The Bank reserves the right to the decision of final approval of all applications, and to suspend, vary or terminate the above offer or amend the relevant terms and conditions at any time without prior notice. In case of any dispute, the decision of the Bank shall be final and conclusive.
7.	Should there be any inconsistency between the English and Chinese versions, the English version shall prevail.