Our private credit services serve as a strategic bridge in the alternative lending ecosystem, expertly connecting sophisticated lenders with corporate borrowers through efficiently managed exempted loan transactions.
By bypassing the rigidities of traditional banking channels, we provide a rapid, regulatory-compliant pathway for businesses to solve pressing liquidity issues and secure essential capital.
We focus on fostering mutually beneficial relationships, enabling borrowers to maintain operational momentum and fund growth initiatives while offering lenders access to attractive, yield-generating credit opportunities tailored to their specific risk profiles.
Success Cases HK Real Estate Backed Financing
Summary
In the past several years, StormHarbour has successfully arranged over HKD4 billion in financing for a diverse range of clients, delivering bespoke credit solutions tailored to complex financing needs.
The transactions include corporate exempted loan facilities secured by first lien mortgage charges over en block commercial and residential properties, high end residential villas, and other prime Hong Kong real estate assets.
StormHarbour has successfully arranged HKD2.6 billion for the owner of Hong Kong luxury residential properties looked for mortgage loan of HKD1.6 billion and HKD1.0 billion to refinance the existing debt and facilitate the subdivision of the land titles. The property portfolio consisted of 7 high end villas, with total valuation of over HKD4 billion. StormHarbour successfully arranged a junior lender as a safety cushion, and on this basis, successfully introduced a senior lender and completed the transaction. Security package consisted of charge on the properties, personal guarantee from property owner, share charge of properties holding company.
Features of the financing structure:
Low LTV of below 40% provided safe cushion to both senior tranche lender and junior tranche lender
Properties owner was in the process of dispose partial collaterals, all disposal proceeds would be prioritized for loan repayment
StormHarbour has successfully arranged a total of HKD350 million to a Hong Kong company backed by funding from PRC. The transaction is a corporate loan transaction secured by a mortgage charge over a three en-bloc residential / retail properties in Wan Chai, Hong Kong in two tranches, HKD240 million and HKD110 million, respectively. The Borrower is actively acquiring the properties in Hong Kong with redevelopment potential. StormHarbour partnered with a Singaporean investment manager to structure high return, risk-controlled products that was distributed to high net worth individuals.
Features of the financing structure:
Corporate loan structure that is secured by both property holding companies and operating companies
Interest rate more competitive than local lenders
Reasonable LTVs to satisfy the needs of the borrower
Security package involving both properties in Hong Kong, personal and corporate guarantees
Success Factors
StormHarbour has consistently connected borrowers with a wide spectrum of lenders—ranging from private funds and family offices to institutional investors—enabling highly structured, flexible financing with competitive interest rates, prudent loan to value ratios, and terms aligned to each borrower’s cash flow profile and exit strategy.
By combining deep market relationships with sophisticated structuring expertise, StormHarbour continues to provide intelligent, capital efficient solutions that help clients unlock value and address liquidity needs across the Hong Kong property and corporate finance landscape.
StormHarbour offers a much more competitive pricing and security package to match the needs of both the borrower and lender.
Success Case HK Share Backed Financing
Summary
StormHarbour has successfully arranged a total of USD25million of debt funding for the majority shareholder of a HK-listed PRC-based chemical manufacturer. The funding is in the forms of bilateral loan to the holding company of the shares.
Majority shareholder seeking investor to take up a significant portion of a third party investor in a market where such share placement would be challenging to complete without a significant discount.
The underlying chemical company is a global leading manufacturer of chemical intermediaries.
StormHarbour designed a unique structure where the new investor is coming in as a loan while the original shareholder can successful placed out their ownership position.
Features of the Financing Structure:
Unique transaction structure where it involves share trade sales with additional collateral package
Low-teen interest rate
3x collateral value vs loan size
Additional profit sharing return from the appreciation of share value
Success Factors
StormHarbour bridged the communications and market practice differences between the borrower and lender to achieve a successful closing.
Our capability in designing and executing unique transaction structure for our clients and meet their mandate requirement
Success Case Share Financing in HK/China
Summary
StormHarbour successfully arranged a US$160 million financing backed by shares in an A-share listed retail business in the PRC
The Borrower, a HK-based investment holding company, approached StormHarbour to help devise a solution for their funding needs given their unique circumstances
Their stake in the A-share company was subject to a long lock-up period (three years) following a recent IPO
Looking for ways to monetize this large but illiquid stake
Features of the Financing Structure:
Moderate LTVs
Returns comprising a fixed coupon component, plus equity upside, based on share price movement
Credit enhancement triggers to provide investors additional comfort given underlying share illiquidity
Security package involving both HK and PRC assets
Prepayment flexibilities
Limited covenants
Greenshoe option
Success Factors
Our thorough understanding of the Borrower’s needs, matched with our knowledge of investors’ investment parameters, were critical in the success of this transaction
Despite the complexity of the deal structure and security arrangements, this transaction was documented and signed within one month from agreement of basic terms with the anchor investor. The greenshoe was executed shortly after
StormHarbour helped the Borrower achieve more favorable financing terms very quickly, replacing a major global investment bank which had worked on the assignment for several months without success
