Rm. 601-603, 6/F, Blk. B,

Wing Kut Industrial Building,

608 Castle Peak Road, Cheung Hong Kong

Who is a genuine bank guarantee Provider?

Genuine bank guarantee Provider is a bank or financial institution that provides bank guarantees and other bank financial instruments to its customers for specific purposes. The financial instruments such as bank guarantees and standby letters of credit can be used to obtain loans from banks, they also can be used for trade finance as well as import and export transactions.

Bongyan Finance Limited is a genuine bank guarantee Provider that was incorporated in Hong Kong with Company Registration No. 1547942 under  the Money Lenders  Ordinance  (Chapter  163  of  the laws of Hong Kong). We are genuine bank guarantee providers which are specifically for Lease at 4% annual leasing fee.We are also direct providers of bank instruments such as lease bank guarantees, standby letters of credit providers, real sblc providers, providers of Trade Finance, Recourse Loan, Non Recourse Loans, Insurance, Investments, Wealth Management, Portfolio Management, Trade Platforms, Private Placement Programs as well as the issuance and monetization of Bank Instruments such as Standby Letter of Credit (SBLC), Bank Guarantees (BG), Usance LC, Letters of Credit, Differed Letters of Credit and Funding for companies, SME’s and private individuals.

As a registered Money lender in Hong Kong, we also provide loans and international project funding to our customers who are located in different parts of the world such as Asia, Africa, Europe, South America, North America, Australia and the Middle East.

Our loan interest rate is 3% per year and you can get loan financing from us without security or collateral. The loan duration is up to 20 years with a grace period up to 3 years. The best part of our loan funding arrangement is that we do not charge any prepayment penalty. So you can repay the loan on time without penalty.

Genuine bank guarantee Provider - Grand City Investment Limited

What is a Bank Guarantee?

A bank guarantee is an assurance that a bank provides to a contract between two external parties, a buyer and a seller, or in relation to the guarantee, an applicant and a beneficiary. The bank guarantee serves as a risk management tool for the beneficiary, as the bank assumes liability for completion of the contract should the buyer default on their debt or obligation.

Bank guarantees serve a key purpose for small businesses; the bank, through their due diligence of the applicant, provides credibility to them as a viable business partner for the beneficiary of the guarantee. In essence, the bank puts its seal of approval to the applicant’s creditworthiness, co-signing on behalf of the applicant as it relates to the specific contract the two external parties are undertaking.

Types of Bank Guarantees

A bank guarantee is for a specific amount and a predetermined period of time. It clearly states the circumstances under which the guarantee is applicable to the contract. A bank guarantee can be either financial or performance-based in nature.

In a financial bank guarantee, the bank will guarantee that the buyer will repay the debts owed to the seller. Should the buyer fail to do so, the bank will assume the financial burden itself, for a small initial fee, which is charged from the buyer upon issuance of the guarantee.

For a performance-based guarantee, the beneficiary can seek reparations from the bank for non-performance of the obligation as laid out in the contract. Should the counterpart fail to deliver on the services as promised, the beneficiary will claim their resulting losses from non-performance to the guarantor – the bank.

For foreign bank guarantees, such as in international export situations, there may be a fourth party – a correspondent bank that operates in the country of domicile of the beneficiary. Bank Guarantee Description:
1. Bank Instrument Type: Cash Backed Bank Guarantee {BG}
2. Face Value: USD/EUR 1 Million (Minimum) to USD/EUR 5 Billion (Maximum)
3. Issuing Bank: Barclays Bank London, HSBC Hong Kong, Citibank New York, Deutsche Bank Germany or any prime bank.
4. Age: One Year and One Day (with rolls and extensions where applicable)
5. Leasing Price: 4% of Face Value plus 2% brokers commission (Applicable only if there are brokers in the transaction)
6. Delivery: SWIFT MT-760
7. Payment: MT103 Swift Wire Transfer
8. Hard Copy: Bank Bonded Courier within 7 banking days.

Our bank instruments (bank guarantees and standby letters of credit) are Cash-Backed and Stand as Obligation from our Bank on behalf of our Clients for their Credit needs, Business and Project Funding. All our Bank Instruments can be used to secure Funding for Projects, Business Expansions and Private Placement Programs (PPP).

These Bank Guarantees are issued through top AAA rated banks such as Citibank New York, Chase Bank, Wells Fargo Bank, Bank of America, HSBC Hong Kong or HSBC London, Barclays bank London, Standard Chartered Bank London, Dubai or Hong Kong, UBS Switzerland, Deutsche Bank AG Germany etc.

We can help you to obtain financing for your business or projects, activate credit lines, issue & provide Letters of credit, BG or SBLC for you, provide loans against financial instruments, and monetize financial instruments.


  • Loans: (Personal / Business Loans, Secured / Unsecured Loans, Recourse / Non Recourse Loans etc)
  • Bank Guarantees: (Performance Guarantee / Tender Bond Guarantee / Advance Payment Guarantee)
  • Letters of Credit (Red Clause Letters of Credit, Usance LC, SBLC, DLC, L/C etc)
  • Proof of Funds (POF) Messages: Pre Advice Message / Bank Comfort Letters
  • Purchase Bank Instruments (Bank Guarantees and Standby Letter of Credit)
  • Lease Bank Instruments (BG, SBLC, DLC, Letters of Credit)
  • Wealth Management / Portfolio Management
  • Insurance & Underwriting Services
  • PPP and Trading Platforms
  • Corporate Finance
  • Investments

What drives us? These are the reasons why you should Work With Us:

At Top Wealth Finance Limited we value your time and get straight to the point. Some companies will talk your ear off, we believe that action speaks louder than words so we prefer to be solely focused on results. We have a large network of world class banks which gives us the unique ability to create outcomes others can’t. We have been in the loan and financial instrument industry for 10 years ago.

When it comes to issuance, leasing, funding and monetization of any bank instrument such as bank guarantee, standby letter of credit, bg sblc, getting to the finish line is all that counts and that’s what we excel in at Top Wealth Finance Limited. We have been successfully closing deals for over 22 years, show us another company in this industry that can match our record?

Below are a few of the things that make us unique and different from other companies.

1. We are a Government of Hong Kong Licensed Money Lender that Is Legally Registered in Hong Kong since 2011, that is 10 years of successful service and excellence. 2. As Top Bank Instrument Providers, we issue bank instruments (bg, dlc and sblc) from the world’stop 20 largest banks such as Citibank New York, JP Morgan Chase Bank, Welsfargo Bank, Bank of America, Credit Suisse, Barclays bank London, HSBC Hong Kong or HSBC London, Standard Chartered Bank London, Dubai or Hong Kong, UBS Switzerland, Deutsche Bank AG Germany or any prime bank of choice.  3. As Top BG/SBLC Providers, we issue bg/sblc in both usd or Euro Currencies, if you pay in USD we Issue in USD & if you Pay in Euro, we issue in Euro.   4. Your Privacy is our Priority, we do not share your data or Business Transactions with third parties. 5. Since 1984 till date No Customer has ever had a failed transaction with us. We have a 99% success rate. 6. New Brokers Are Always Welcomed & Protected against possible circumvention with good commission.  7. We have solutions for every customer in every industry.8. We are Efficient, Consistent, Transparent & Reliable
9. We are straight to point 10. Experienced and qualified staff
11. Extremely Satisfied Clients

12. No prepayment penalty
13. Fast Approvals & Closings
14. No Hidden Fees or charges
Therefore, if you are looking for Lease or Rent Bank Guarantees, bg, dlc sblc, L/C or loans and project funding then you have come to the right place. Kindly contact us today for all your financial needs.
NOTICE TO BROKERS/AGENTS/COMPANY REPS: We value and appreciate brokers who are direct to their clients. New brokers are welcomed and compensated with between 1% to 2% commission on every deal. Here are a few of the many benefits of being a Top Wealth Finance Limited broker:

  • Professional Support for brokers
  • Earn between 1% to 2% Commission on Every Deal
  • No Broker Chains, So please Be Direct to your clients
  • Brokers are 100% Protected Against Possible Circumvention.
  • Wide Range of Financial Instruments to choose from such as bg sblc issuance & Monetization Programs.
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