6492Credit granting (except financial leasing)
其他信貸機構(融資租賃除外)
This activity involves the provision of credit to individuals and businesses, excluding financial leasing arrangements. It encompasses various forms of lending, such as personal loans, business loans, and credit card services, where the lender provides funds with the expectation of repayment over time.
Subclasses in this class
Licences and approvals
What this activity needs to operate
Activities under this code trigger the following licensing regimes. Emerhub prepares and files each application on your behalf.
Deposit-taking Company Authorization
Hong Kong Monetary Authority (HKMA)
Authorization for companies engaged in specialised activities such as consumer finance, trade finance or securities business that take deposits from the public. Deposit-taking companies may only take deposits of HKD 100,000 or above with an original term to maturity of at least three months, forming the third tier of the banking system under the Banking Ordinance (Cap. 155).
Applies where a finance company funds lending with public deposits
- Capital requirement
- Minimum capital of HKD 25M
Official sourceVerified 2026-07-14
Money Lenders Licence
Licensing Court (with the Companies Registry as Registrar of Money Lenders)
Required under the Money Lenders Ordinance (Cap. 163) for any person carrying on business as a money lender in Hong Kong other than exempted persons such as authorized institutions. Applications are lodged with the Companies Registry, which processes them for determination by the Licensing Court; the licence is valid for 12 months and must be renewed annually.
Official sourceVerified 2026-07-14
Standard compliance
Compliance every Hong Kong company shares
Beyond anything specific to this activity, every Hong Kong company handles two-tiered profits tax, the annual return (Form NAR1) within 42 days of its incorporation anniversary, audited accounts, MPF enrolment for staff, and a company secretary. Emerhub runs all of it on your behalf.
See the full Hong Kong compliance calendarIncorporate in Hong Kong
Starting a credit granting (except financial leasing) business in Hong Kong?
Emerhub incorporates your company, registers the business nature above with the IRD, files every licence application, and runs your company secretary and compliance calendar. You provide the documents; Emerhub handles every government interaction.
Start incorporation with Emerhub