Grow local businesses with Merchant Cash Advance
Give your merchants flexible capital that adjusts with their daily sales. Embed MCA into your platform, and unlock a new revenue stream for your business powered by GoTyme
Trusted across Asia
Backed by a global
digital-banking group.
GoTyme Hong Kong is a licensed money lender backed by GoTyme Group. We’re part of GoTyme Merchant Cash Advance (MCA) Asia— trusted by platforms across the region to power fast, flexible merchant funding.
GoTyme Hong Kong Limited, licensed under Hong Kong Money Lender’s Licence No. 1058/2026
A global digital banking group hailed as part of Time 100 Most Influential Companies 2025.
Generated every week for merchants across Asia, fueling big growth for small businesses.
You bring the platform and the brand. We bring the licence, the capital and the risk.
Partner with usUnlock growth for your small businesses.
Pre-approved, ready-to-go offers
No lengthy paperwork or waiting games. For eligible merchants, funds are pre-approved and just a few clicks away.
Fast disbursement and transparent fees
Funds land quickly once approved, and our pricing is crystal clear. What they see is what they pay — no hidden charges.
Flexible repayments that follow their sales
We link repayment to their daily revenue — so they pay more when they’re busy, and less when they’re not. No stress, no surprises.
How Traditional Loans work vs How GoTyme MCA Loans work
Same payment every month, rain or shine. No flexibility. No grace.
Repayment rises and falls with business sales. Built for real business rhythm.
Our loan is a fixed fee, variable term, variable repayment product.
APR cannot be calculated because it has a variable term and various repayment features, such as open-ended installments and varying amounts payable per installment.
Click here to understand why we can’t calculate an APRPowering embedded lending for platforms across Asia
Developed in partnership with KPay 
Developed in partnership with Majoo Developed in partnership with Qasir 
Let's build your embedded lending product.
Tell us about your platform and the merchants you serve. We'll show you how a co-branded GoTyme product could work — and what it could earn.
Depending on the volume of messages we receive, we usually reply within 2 business days.