blueprint-ifa.com

What It Is

Blueprint Consultancy Limited is a Hong Kong SME financing consultancy. Its core business is not directly providing payment acquiring or e-wallet services, but helping businesses match with funding sources and assisting with applications for unsecured SME loans, Invoice Financing, and government-guaranteed loans/SFGS. Its positioning is closer to that of a loan broker and financing adviser, mainly serving Hong Kong-registered limited companies.

Core Capabilities and Eligibility

The website lists three main service categories: unsecured loans, accounts receivable financing, and government-guaranteed loans. Unsecured loan amounts range from HK$200,000 to HK$5 million, with repayment terms of 12 to 60 months and approval typically taking 3 to 7 working days. Invoice Financing can provide up to 80%-90% of the invoice amount in advance, with first-time applications taking around 5 to 10 working days. SFGS offers loans of up to HK$15 million with terms of up to 7 years, and usually takes 4 to 8 weeks. Basic requirements include being incorporated for at least 3 years, annual revenue of over HK$2 million, and major directors having a TransUnion grade of E or above.

Pricing and Compliance

Initial assessment and consultation are free. Advisory fees are generally charged as a percentage of the approved loan amount after successful approval, but the website does not publicly disclose the exact rate. In terms of lending costs, unsecured loans have an APR of around 6%-20%, while the Invoice Financing article mentions fees of about 1%-3% per month. For compliance, the company states that it handles data in accordance with Hong Kong’s Personal Data (Privacy) Ordinance, and may transfer information to banks, licensed money lenders, TransUnion, and government guarantee scheme institutions after authorization. However, it does not disclose whether it holds any specific financial intermediary or money lender licence itself.

Pros and Cons

The strengths are that the information provided is relatively complete, with eligibility requirements, required documents, approval timelines, and a privacy policy disclosed. It also works with 10+ banks and licensed lending institutions, which can help businesses avoid applying to only a single provider. The drawbacks are that Blueprint is not the final funding provider, so actual approval, interest rates, and disbursement are still determined by third parties. Its advisory fee percentage is not clearly stated, so businesses should obtain a written quotation before submitting a formal application.

Who It Is For and Access from China

This service is suitable for Hong Kong SMEs with stable revenue, cash-flow pressure from payment terms, or expansion funding needs, especially companies in F&B, trading, manufacturing, engineering, IT, and professional services. It is less suitable for newly established businesses, companies with insufficient revenue, or sole proprietorships/partnerships. The text does not specify access availability from mainland China. If the service is not usable, alternatives include Hong Kong local banks, SFGS participating banks, licensed money lenders, or other SME financing consultants.