Riverchain, Micro Connect partner to expand working capital access

By Aarav Garg

Hong Kong-based FinTech Riverchain International Limited has entered a strategic partnership with Micro Connect to expand working capital financing for construction contractors, as firms across the sector face longer project payment cycles and tighter liquidity conditions.

Under the agreement, Riverchain will originate working capital assets using a dedicated funding commitment from Micro Connect. The partnership combines Riverchain’s construction sector expertise and origination capabilities with Micro Connect’s capital markets infrastructure to create a financing channel tailored to project-based cash flow cycles.

Ben Wong, Founder and CEO of Riverchain, stated, “Contractors continue to face real challenges accessing working capital on terms that reflect how their projects actually run. By originating assets that are purpose-built for the construction industry and pairing them with Micro Connect’s funding commitment we are building a transparent financial ecosystem that supports contractors in taking on larger projects with confidence.”

The companies said the collaboration is intended to address persistent financing gaps within Hong Kong’s construction sector, where contractors often face delayed payments and limited access to flexible credit from traditional lenders. By connecting construction firms with a broader pool of institutional and global capital, the structure aims to improve liquidity access for businesses operating across large-scale projects.

Charles Li, Founder and Chairman of Micro Connect, added, “Construction is a sector where the mismatch between project realities and available financing has been particularly acute. Riverchain brings the origination capability and industry insight needed to bridge that gap, and we are pleased to channel our investors’ capital into a segment that plays such a foundational role in Hong Kong’s economy.”

Riverchain said the partnership will also support faster and more transparent financing processes through the use of data-driven credit assessment and alternative financing models. Contractors are expected to benefit from more predictable funding timelines and improved access to working capital needed to manage project variations and operational expenses.

The firms added that the initiative is designed to strengthen resilience across Hong Kong’s construction ecosystem by enabling contractors to manage cash flow pressures and pursue larger projects with greater confidence.