Company Description

FGHL, through our Operating Subsidiaries, is a financial services provider who provide private credit mortgage loan brokerage services and bank mortgage loan brokerage services in Hong Kong through our fintech platform. We believe we were one of the first movers among mortgage loan brokerage companies in Hong Kong who have successfully developed a flexible and efficient fintech marketplace that connects borrowers and lenders. Our online mortgage brokerage platform is designed to be secure and simple to use, with a bilingual user interface, fast execution enabled by automated assessment simulation and provide what we believe to be a great user experience. Leveraging our expertise in banking and financing industry, our broad network of lenders, and our advanced fintech platform, we provide borrowers with mortgage application simulation and access to multiple mortgage loan options from different lenders, rather than just multiple generic quotes from lenders’ standard pricing. We match borrowers to their best loan options and connect them with potentially suitable loan lender(s). Our experienced staff also provide support and service to assist borrowers in managing their choices, smoothen the loan processing and communication between the borrowers and lenders, leading to the best possible outcomes for both lenders and borrowers. We also serve as a valued partner to our lenders seeking an efficient, scalable and flexible source of customer acquisition with directly measurable benefits. We aim to facilitate/assist the mortgage lending market by making it hyper-efficient, transparent, and accessible to all rather than the few. Fundergo has won “Hong Kong’s most outstanding business award” by Corphub in 2020 and “Startup” award in Fintech 2021 by HK01 and ICON. In addition to mortgage loan brokerage services, FGHL also provides consultancy services to our customers through Fundergo. We provide consultancy services to assist our corporate customers to identify restructuring initiatives and explore potential financing options. We act as a consultant to our customers to advise and assist them in procuring approval of restructuring of debt obligations and obtaining additional debts from current and/or new financial institutions. We provide consultancy services from same group of experienced staff of our mortgage loan brokerage services who also have extensive knowledge and network on financing related matters. We are able to provide tailor-made consultancy plans/solutions to meet the specific financial needs of each customer. Customers who engage us for consultancy services pay consultancy service fees to us and they are mainly from (i) past or existing borrowers who have successfully obtained private credit mortgage loans through our online platform and look for further consultancy services; and (ii) referrals of new customers (who have not engaged us for mortgage loan brokerage services) by our contacts in banking, financing, and real estate industries, or by our past or existing borrowers. We also regularly attend conferences, forums, and events to promote our consultancy services and to attract new customers. From our inception to December 31, 2024, we had facilitated over HK$7,831 million (US$1,008 million) in loans to 589 borrowers. For the year ended June 30, 2024, the loans facilitated by us amounted to HK$3,132 million, representing an increase of 127% from HK$1,378 million for the fiscal year ended June 30, 2023. For the six months ended December 31, 2024, the loans facilitated by us amounted to HK$756.5 million (approximately US$97 million), representing a decrease of 39% from HK$1,247 million (approximately US$160 million) for the six months ended December 31, 2023. --- Our principal executive office is located at Unit 1002, 10/F Tai Sang Bank Building, 130-132 Des Voeux Road Central, Central, Hong Kong. Our telephone number is (+852) 2398-9100. Our registered office in the BVI is located at the office of Conyers Trust Company (BVI) Limited at Commerce House, Wickhams Cay 1, Road Town, Tortola, VG1110, British Virgin Islands. Our website is located at [https://ir.fundergo.com/investors/]. Our agent for service of process in the United States is Cogency Global Inc., located at 122 East 42nd Street, 18th Floor, New York, NY 10168.