A partnership built for how Hong Kong does business
Hong Kong businesses don't wait. They adapt, pivot, and push forward — sometimes all in the same afternoon. But for too long, access to funding hasn't kept pace with that energy. Applications drag. Approvals take weeks. By the time the money arrives, the moment has passed.
That changes with Kapital.
Kapital is a Merchant Cash Advance (MCA) financing solution developed by GoTyme Hong Kong, available exclusively to KPay merchants through the KPay App and KPay Dashboard. It is GoTyme Hong Kong's first product in the city — and it was built with one purpose: to make funding move as fast as the businesses that need it.
The partnership that made it possible
KPay is one of Hong Kong's leading merchant service platforms, trusted by thousands of small and medium-sized businesses across the city. Its ecosystem — the transaction data, the merchant relationships, the daily operational rhythm — is exactly the kind of foundation that makes smart, responsible lending possible.
GoTyme Hong Kong recognised that. Rather than asking merchants to start from scratch with new paperwork and unfamiliar processes, Kapital uses what KPay merchants already have: their payment history. That data becomes the basis for a personalised, pre-approved offer — no income statements, no lengthy forms, no unnecessary friction.
Once approved, funds land in the merchant's nominated bank account in as little as 2 business days. Repayment is equally seamless: a small fixed percentage is automatically deducted from each KPay settlement, with no due dates to track and no added pressure.
It is financing that already knows your business before you even apply.
About GoTyme MCA Asia — fuelling merchant growth across the region
Kapital is part of a larger mission.
GoTyme MCA Asia is a business line under the GoTyme Group — a global fintech group operating across Africa and Asia. The MCA Asia business exists to help merchants across the region grow by giving them access to fast, responsible, data-driven financing — delivered through ecosystem partnerships with platforms like KPay.
Today, GoTyme MCA Asia is active in the Philippines, Indonesia, and Hong Kong, working alongside merchant-facing platforms to bring MCA products directly to the businesses that need them most. By partnering with established ecosystems, GoTyme MCA Asia is able to serve merchants where they already operate — removing the need to seek out a lender separately, and ensuring that funding arrives when it matters.
Kapital in Hong Kong is the latest chapter in that story.
GoTyme Hong Kong: built to change the pace of business lending
At GoTyme Hong Kong, the belief is simple: business opportunity should move as fast as the people chasing it.
Running a business in Hong Kong means moving quickly, solving problems on the fly, and seizing opportunities before they disappear. But too often, funding slows everything down. GoTyme Hong Kong is here to change that.
As a licensed lender, GoTyme Hong Kong offers fast, flexible financing built for small businesses — with approvals that keep pace with ambition, and repayment terms designed to strengthen cash flow rather than strain it. Whether it is bridging a short-term gap, funding a big order, or simply creating breathing room, Kapital turns business needs into real opportunities.
GoTyme Hong Kong is part of the GoTyme MCA Asia business line under the GoTyme Group — and today, it is helping small businesses move forward in the Philippines, Indonesia, and Hong Kong, one smart loan at a time.
From sole proprietors to corporates — Kapital grows with you
Kapital launched in December 2025, initially available to sole proprietor KPay merchants. The response was clear: businesses wanted fast access to funding without the paperwork, and Kapital delivered.
From June 2026, Kapital has expanded its eligibility to include partnerships and limited companies — because more of Hong Kong's businesses deserve financing that keeps up with them.
Eligible merchants are those with an active KPay account and steady sales for at least 12 months. No additional proof of income is required. Offers are personalised based on each merchant's KPay transaction history, and as transaction volume grows, eligible amounts may be updated over time.
Two platforms. One shared commitment.
This partnership is about more than a product launch. It is about what happens when two platforms — one built for payments, one built for lending — combine their strengths in service of Hong Kong's business community.
KPay brings the merchant ecosystem, the data infrastructure, and the day-to-day trust of thousands of businesses. GoTyme Hong Kong brings the lending expertise, the regional experience, and the MCA model refined across multiple markets. Together, they make Kapital possible — and they make it work.
For GoTyme Hong Kong, partnering with KPay means reaching merchants where they already are, through a platform they already rely on. For KPay, it means offering merchants something genuinely valuable beyond payments: access to capital that moves with their business.
That is the partnership. And it is only getting started.
