Our Services

Top Billion Finance Ltd (億峰財務有限公司) is a legit Financial Services Provider (FSP) that is legally registered on 10th, December 1999 by the Hong Kong Government with Company Registration Number: 0697521.

Our services are Personal Loan, Business Loan, SME Loan, Investment Loan, Project Financing, Bank Guarantees, SBLCs, Letters of Credit and funding for all kinds of viable projects locally and internationally. We offer very flexible loan terms and our interest rate is just 3% per year which is the lowest in the industry.

All our Bank Instruments are issued from Top Prime AAA rated banks such as Citibank New York, HSBC Hong Kong or London, Barclays bank London, Standard Chartered Bank London/Dubai/Hong Kong, UBS Switzerland, Welsfargo, Bank of America, Deusche Bank etc. We can help you to obtain financing for your business or projects, activate credit line, Issue & provide Letters of credit, BG or SBLC for you, provide loans against financial instruments, as well as the monetization of your financial instruments.


Loans: (Personal Loans, Business Loans, Secured Loans, Unsecured Loans, International Project Financing etc)
Purchase Bank Instruments (Bank Guarantees and Standby Letter of Credit)
Company Formation Services in Hong Kong and South East Asia.
Opening of Company Account for Corporations and Individuals
Lease Bank Instruments (BG, SBLC, DLC, Letters of Credit)
Letters of Credit (DLC, L/C, Usance LC)
Investments and Wealth Management
Insurance Underwriting Services
PPP and Trading Platforms
Corporate Finance

Top Billion Finance Ltd- Loan Agency

LOAN & INTERNATIONAL PROJECT FINANCING: We provide both secured loans and unsecured loans and Our terms and Conditions are reasonable. Top Billion Finance offers the lowest, guaranteed interest rates in the industry. We provide loan funding for all viable projects worldwide such as energy projects, import and export businesses, agriculture, Start-up, Small Businesses (SME’s), Medium and Large Businesses, Public and Private Companies, Service Companies, Construction Companies, Agricultural Companies, Real Estate, Manufacturing Companies, Companies across all Industries as well as Companies wanting to go Public.

BANK FINANCIAL INSTRUMENTS: We are not brokers, rather we are direct providers of bank instruments such as bank guarantees, standby letters of credit, DLC, SBLC etc. Our bank instruments can be engaged in Public and private placements, PPP, Trading, leasing, Discounting, Aviation, Agricultural projects, Oil/Petroleum transactions, Telecommunication projects, All types of construction projects, Roads, Bridges, Hospitals, Hotels, Restaurants, Condo, Real Estate Transactions etc.
Top Billion Finance Ltd. financial instruments providers

Others Talk, but Top Billion Finance Ltd Delivers. If you are tired of brokers and scammers cheating you and telling you stories and no one ever delivering what they promised,  its time you became a customer of Top Billion Finance Ltd because we succeed where others have failed.

bank guarante providers- Top Billion Finance Ltd.

Bank Guarantees (BG) / Standby Letters of Credit (SBLC): A Banker’s Guarantee (BG) is a definite undertaking by the bank (guarantor) to pay the beneficiary a certain sum of money within a specified period if the applicant (principal) fails to fulfill his contractual or other obligations of an underlying transaction. It is normally used to secure either a financial or performance obligation of the principal.

sblc providers companies- Top Billion Finance Ltd

Through our cutting edge facilities, BG’s and SBLC’s can be issued to both local and overseas beneficiary from any top 25 world bank at 4% interest rate per year. These instruments can be used to get loans, secure credit lines, PPP, joint ventures, trading, signature projects etc. The minimum BG/SBLC amount is 1M up to 5 Billion. The full procedures, terms and conditions will be communicated to serious customer upon request. Send us email inquiries now for our complete procedures, terms and conditions.

Letter of Credit  (Documentary Letter Of Credit (L/C, DLC) is the bank’s obligation to pay the seller of goods or services a certain amount of money in the timely submission of documents confirming shipment of goods or performance of contractual services. Documentary Letter Of Credit is one of the most important means of financing in the international trade, as the letter of credit is a tool that removes most of risks as from the buyer (importer) and from the seller (exporter).

DLC Providers- Top Billion Finance Ltd.

Documentary Letter Of Credit is one of the most important means of financing in the international trade, as the letter of credit is a tool that removes most of risks as from the buyer (importer) and from the seller (exporter).

Documentary Letter Of Credit is very flexible and convenient tool of calculations, which have the widest recognition and acceptance in the world because of the following advantages:

  1. For the seller, the letter of credit is convenient because it removes the risk of insolvency of the buyer, because the letter of credit is the unconditional obligation of the bank to pay, regardless of the presence or absence of the bank of the applicant credit. Thus, the letter of credit provides a higher degree of protection of the seller’s interests with payment upon delivery or by collection.

For the seller of credit is convenient because it removes the risk of insolvency of the buyer, because the letter of credit – the unconditional obligation of the bank to pay, regardless of the presence or absence of the bank of the applicant credit. Thus, the letter of credit provides a higher degree of protection than the interests of the seller with payment upon delivery or by collection.

  1. For the customer the letter of credit is convenient because it provides greater protection of the buyer’s interests compared to the down payment, and eliminates the risk of unscrupulous sellers, because the letter of credit may be required, among other documents, the documents, issued by independent third parties (Chamber of Commerce, the insurance company, the independent inspector).
  1. Availability of “Uniform Rules and Practice for Documentary Letter of Credit”, which are internationally recognized, clearly defining and delimiting the obligations of the parties of the letter of credit, allows advancing the interests of the applicant or beneficiary. Thus, the letter of credit is the bank’s obligation as an independent arbitrator who shall be subject to payment of the letter of credit, regardless of the possible litigation between the parties to the contract.


Top Billion Finance Ltd.

The personal loan is the most preferred loan option among various options of loans. It is helpful in solving variegated needs such as for consolidation of loans, to incur money for sudden expenditure, to manage funds for business. The repayment period of these loans remains short and rate of interest on these loans is usually high. Two kinds of loans comes under category of these loans. Two types of personal loans are secured loan and unsecured loan. The repayment period for secured loans is long but it can cost heavy for borrower if in case he or she defaults the repayment. It is not risky option for lender as borrower places one’s property on security for getting loans. Unsecured loan are made available on the basis of credit history of the loan seeker and lower interest rates and down payments.

High Risks of Personal Loan

High risk personal loan is meant for individuals who have had a bad credit score and are not able to secure loans the easy way. These are people who have no collateral and also no guarantee for a proper repayment to the lender. When a prospective customer has bad credit and also no collateral then he is considered as a HIGH RISK  by the lender. Even though the lender may be providing the loan to the borrower, it will charged with quite a high interest rate, as the lender is taking considerable amount of risk in providing the debt. However, one point to note is that various people have various problems that led them to the pathetic state of high risk lending. It could be the death of a loved one, loss of a job or any other such tragedies.  Lenders often view the situation of the debtor and then give the loan accordingly. We offer secured and non-secured personal loans – for all reasons. From debt consolidation, to your child’s wedding or that dream vacation, we have a loan product for you. Our personal loans offer some of the most competitive rates in the area and flexible terms to fit your needs.

Advantages of a High Risk Personal Loan

Top Billion Finance Ltd.
The borrower obviously may have quite a number of benefits if he is fortunate enough to be able to get  a high risk personal loan.

  • If he is able to handle all of his financial obligations in a responsible fashion, and wisely, he would be ensuring better loan rates for himself in the future.
  • Another advantage is that such high risk personal loans can be obtained quite easily.
  • Even if an individual does not possess a home or any other collateral, he can still qualify for a high risk unsecured personal loans.
  • A useful thing about these personal cash loans is that you can get them in a short period of time. After applying for one of these personal cash loans you can get one in a 24 hours time or less.


Top Billion Finance Ltd.

BROKERS: Brokers are the life blood of our business and as a result we respect them, value them and appreciate them. So new brokers are welcomed, appreciated and compensated with good commission. Here are a few of the many benefits you will get for being our broker:

Professional Broker Support
Healthy Commissions Paid on every Deal
Be Direct to the client, NOT in a Broker Chains!
Earn between 1% to 2% Commission on Every Deal
Brokers are 100% Protected Against Possible Circumvention.
Wide Range of Financial Instruments, Bank Guarantee Programs and Client Funding and Monetization Services
If you are interested to become our broker or company representative, kindly send us your resume via email for more information.

Top Billion Finance Ltd.

If you are interested to work with us, we would like to hear from you using the below contact details…
Company Name: Top Billion Finance Ltd.
Company Address: Room 1603-05, Harcourt House, 39 Gloucester Road, Wan Chai, Hong Kong.
Email: info@topbillionfinance.com   |  TOPBILLIONFINANCE@protonmail.com
Telephone: +852 8191 5275