Royal Capital Consulting Limited is a licensed money lender under the Money Lenders Ordinance (Cap. 163). We lend our own funds to individuals and businesses in Hong Kong, under written agreements that state the effective annual interest rate and every charge before you sign.
Money lenders' licences are granted for a fixed period and renewed by application. Before you borrow, search our English or Chinese name in the Companies Registry's published list of money lenders licensees to confirm the current licence and its number.
Our name is our registered company name. In practice, "consulting" means that before you apply, we discuss your needs and explain our own loan terms free of charge. We are not a loan broker or intermediary: we do not arrange loans with other lenders, and we take no consultancy, arrangement or referral fee from anyone. We are not licensed by the Securities and Futures Commission and give no investment advice.
This website concerns only Royal Capital Consulting Limited (皇家融資顧問有限公司). We are not affiliated with any other business in Hong Kong or elsewhere that trades under the words "Royal Capital", in English or in Chinese.
Each application is assessed on the borrower's ability to repay. Approval is not guaranteed, and no offer binds you until the agreement is signed.
| Item | Our position |
|---|---|
| Initial discussion of your needs | Free of charge |
| Interest | At the effective annual rate stated in the agreement, which always complies with Cap. 163 |
| Valuation and legal costs (secured loans) | Only where stated in the written offer, payable at completion, never in advance to us |
| "Application", "handling" or "consultancy" fees in advance | Never charged |
| Payments to agents or intermediaries | None: we use no intermediaries |
An effective annual rate above 48% is a criminal offence and the agreement is unenforceable.
Above 36% a year the court may reopen the transaction as extortionate.
The signed agreement must be in writing, with a copy delivered to you within 7 days.
Collection must be lawful, without threats and without contacting third parties about your debt.
Fraudsters use the names of licensed lenders, and names similar to ours, to ask for advance fees, bank cards, passwords or one-time codes. We never request any of these. Verify any lender in the Companies Registry's register before dealing with it, and report suspected fraud to the Hong Kong Police.
Search "Royal Capital Consulting Limited" or "皇家融資顧問有限公司" in the Companies Registry's published list of money lenders licensees. The licence number is also printed on our loan documents.
No. We lend only our own funds and do not act as a broker. If someone offers to arrange a loan "through" us for a fee, they are not acting for us.
Neither. We are a licensed money lender. We do not accept deposits, sell investment products or give investment advice.
No. Every application is assessed on the ability to repay. A lender who promises guaranteed approval should be treated with caution.
Rm 402, 4/F, Hing Lung Commercial Building
68–74 Bonham Strand
Sheung Wan, Hong Kong
write@royalcapitalconsultinglimited.com
By appointment on business days