Flexible invoice finance solutions for SMEs in Hong Kong and across Asia, enabling real growth with real liquidity.
Empowering Global Trade Through
Smart Factoring
Smart Factoring
Who we are
Factor 88 Limited is a Hong Kong-based fintech company providing agile, transparent, and cross-border factoring services to small and medium enterprises. We bridge liquidity gaps in global trade by converting receivables into working capital within 48 hours.
To make trade finance fast, data-driven, and borderless — through factoring products that are as flexible as our clients.
Mission
Vision
To become Asia’s leading independent trade finance partner for the next generation of global SMEs.
Single-Invoice Factoring
Perfect for freelancers and growing businesses — fund one invoice at a time.
Non-Recourse Factoring
Risk-protected financing for clients working with high-volume or international buyers.
Reverse Factoring
Optimized payment cycles for your suppliers, backed by your buyer credibility.
Recourse Factoring
Advance payment on outstanding invoices — with flexible repayment options.
Cross-Border Factoring
Bridge the gap between China-based production and global clients with RMB or USD settlement.
Services
Industries We Serve
Cross-border B2B Supply
Furniture & Interior Goods
Electronics & Optical Equipment
Light Manufacturing
E-Commerce Fulfillment
Trading
& Wholesale
& Wholesale
Why Factor 88
Technology-Powered
Liquidity on Your Terms We adapt to your working capital cycle — no one-size-fits-all contracts.
Liquidity on Your Terms We adapt to your working capital cycle — no one-size-fits-all contracts.
Hong Kong Backbone
We operate under HKMA-compliant infrastructure, with legal security and cross-border flexibility.
We operate under HKMA-compliant infrastructure, with legal security and cross-border flexibility.
Focused on SMEs
We don’t serve everyone — we serve you: international SMEs with growth potential.
We don’t serve everyone — we serve you: international SMEs with growth potential.
Technology-Powered
Our proprietary risk engine evaluates invoice authenticity, buyer rating, and real-time payment behavior.
Our proprietary risk engine evaluates invoice authenticity, buyer rating, and real-time payment behavior.
Digital Advantage
Coming in 2026: tokenized receivables & blockchain escrow
Integration-ready via API: Xero, QuickBooks, logistics systems
KYC & compliance checks under Hong Kong regulation
Buyer scoring and fraud alerts via AI
Invoice scanning & OCR
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Factor 88 Limited
10/F Office Tower, Hong Kong Science Park,
Sha Tin, New Territories, Hong Kong
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