由 Accounting Plus 與佳駿國際企業有限公司 (Well Smart International Enterprise Limited) 的資深銀行家團隊聯合研發。結合數十年頂尖商業銀行貿易融資經驗，為跨境企業提供靈活的保理服務（買斷與不買斷），所有發票均投保信用保險 (Credit Insurance)。即使買家未有按時找數，壞帳將由保險公司賠付。 Jointly designed by Accounting Plus and senior bankers from Well Smart International Enterprise Limited. Combining decades of institutional commercial banking expertise with Hong Kong's leading aviation compliance advisory, we deliver flexible recourse & non-recourse export factoring backed by 100% Credit Insurance. In the event of buyer default, insurance covers the loss.
面對大型買家的龐大訂單，收益固然相當吸引，但風險卻是「全有或全無」。只要買家資金未按時到位或付款延誤，企業上游的運力/供應商款項便無法支付，隨時引發資金鏈瞬間斷裂的連鎖危機！
High-volume buyers present enormous revenue potential, but their risk profile is "all or nothing." When buyer funds fail to arrive on schedule, up-front supplier or carrier commitments trigger immediate, catastrophic cash chain breaks.
傳統銀行審批動輒數月且要求物業抵押，無法適應急劇變化的貿易市場。當資金被卡在 60–120 天的應收帳款中，面對眼前利潤極高的新訂單或旺季運力，企業只能眼睜睜看著商機流失——有錢執都執唔到！
Traditional banks take months and demand real estate collateral, completely out of sync with fast-moving trade cycles. When working capital is trapped in 60–120 day terms, forwarders and exporters are forced to turn away highly profitable orders right in front of them!
本出口融資方案由 Accounting Plus 夥拍佳駿國際企業有限公司的資深銀行家團隊共同架構。團隊成員深諳國際商業銀行 (Commercial Banking) 的風控內核與審批機制，精準拆解傳統銀行融資繁瑣手續，為企業量身定制最具彈性、極速落地的應收帳款處置方案。 Co-built with senior commercial banking veterans from Well Smart International Enterprise Limited. Leveraging deep institutional underwriting expertise, we deconstruct traditional banking bureaucracy to deliver agile, audit-ready receivable factoring solutions.
傳統銀行融資著重於賣方的資產與物業抵押；我們的出口保理模式轉而著重於海外買家的 Credit Profile（信用評級與財務履約能力）。透過買賣雙方嚴格的 KYC 審查，結合每筆發票的信用保險 (Credit Insurance)，徹底解決企業擴展海外業務時的後顧之憂。 Unlike traditional banks that demand seller real estate collateral, our trade factoring framework anchors on the Buyer's Credit Profile and financial reliability. Backed by strict dual-party KYC and 100% Credit Insurance on every factored invoice, your business expands into international markets risk-free.
靈活提供買斷 (Non-Recourse) 與不買斷 (Recourse) 保理架構，配合企業不同的風險偏好、審計要求與資產負債表調配需求。 Flexible recourse and non-recourse factoring options tailored to your corporate risk appetite, audit guidelines, and balance sheet goals.
所有承保發票均購買國際信用保險 (Credit Insurance)。即使海外買家無力清繳或拖欠款項，將直接由保險公司進行索償賠付。 Every single factored invoice is backed by credit insurance. In the event of buyer non-payment or default, insurance claims cover the default directly.
買賣雙方均須經過嚴格的 KYC (Know Your Customer) 與反洗錢合規審查，確保每一筆國際貿易真實存在、交易鏈條清晰健全。 Rigorous KYC and anti-money laundering vetting applied to both buyers and sellers, guaranteeing full transaction authenticity and compliance.
融資審查核心聚焦於海外買家的信用評級與歷史付款紀錄，不依賴賣方個人物業抵押，大幅提高授信審批通過率。 Underwriting revolves strictly around the overseas buyer's creditworthiness and financial standing, eliminating reliance on seller property collateral.
無論您是需要優化公開財務報表與審計合規的上市公司，還是急需資金規模化且不願過早稀釋股權的初創企業，我們的保理架構均能精準對接需求。 Whether you are a public corporation seeking audit-ready financial ratio optimization or an expanding startup needing rapid capital without early equity dilution, our factoring solutions fit your stage.
了解為何高增長的跨境物流與出口企業選擇具備信用保險保障的貿易保理作為靈活的營運資金引擎： See why fast-growing logistics and export companies choose credit-insured trade factoring over rigid bank facilities:
| 評估維度Dimension | 傳統銀行貸款 / 信用額度Traditional Bank Loans | Accounting Plus 出口保理方案Export Factoring Solution |
|---|---|---|
| 壞帳風險承擔Credit Risk Protection | 賣方承擔 100% 壞帳風險；買家拖欠即追討賣方Seller absorbs 100% default risk; recourse on seller | 每筆發票購買信用保險；買家違約由保險公司賠付100% Credit Insurance covered; claims paid on buyer default |
| 審核與對接重點Underwriting Anchor | 著重賣方資產、本地物業及歷史財務報表Anchored on seller assets & historical balance sheets | 著重海外買方 Credit Profile 與買賣雙方 KYCAnchored on Overseas Buyer's Credit Profile & Strict KYC |
| 放款速度與結構Turnaround & Structure | 2–3 個月繁復審批，需要個人/物業擔保2–3 months underwriting; heavy collateral | 24–36 小時放款；提供買斷與不買斷靈活選擇24–36 hour turnaround; Recourse & Non-Recourse available |
| 額度增長彈性Limit Scalability | 固定上限，重新申請繁瑣Fixed cap; cumbersome to renegotiate | 隨買家訂單與貿易額動態增長 (HKD 5M - 50M+)Scales dynamically with trade volume |
請輸入您每月的出口/貿易營業額與平均客戶賬期，系統將即時計算滾動凍結總資金與 24–36 小時內可解鎖的流動資金。 Input your monthly trade volume and average credit terms to estimate total tied-up pipeline capital and instant advance liquid cash.
我們的專業團隊為您提供一對一出口應收帳款與貿易保理架構評估，助您解鎖營運資金、加速業務拓展。 Our team delivers customized trade factoring assessments to unlock critical working capital and accelerate your export trajectory.
