By Proptechbuzz
By Ravi Kumar
Riverchain International Limited, a fintech company based in Hong Kong, has raised US$5 million in a Series A funding round led by Betatron Venture Group. The company plans to expand its working capital solutions for subcontractors in the construction industry.
The investment supports Riverchain’s expansion across Hong Kong and Southeast Asia. It will also strengthen the company’s origination capabilities, credit underwriting technology, and distribution network. Since 2024, Riverchain has deployed over US$100 million in financing for 115 construction projects, including Hong Kong’s Northern Metropolis and Kai Tak Sports Park.
Riverchain focuses on cash flow predictability for small and medium-sized subcontractors. These businesses often remain exposed to long payment cycles and inconsistent cash inflows.
Hong Kong’s construction sector faces liquidity pressure. An estimated US$7 billion remains locked each year due to delayed or uneven payments. Smaller contractors feel this impact the most. The result may include stalled operations or reduced ability to bid for new projects.
Riverchain offers fast financing aligned with project needs. Through its platform, contractors can receive funds within days. They are not required to depend only on traditional credit, which is often harder to access for SMEs.
The company uses project data, including payment history and risk analytics, to assess creditworthiness in real time. Therefore, contractors receive a more transparent and efficient financing channel.
The new funding builds on Riverchain’s US$1.2 million seed round backed by the Republic Asia Ecosystem Fund. Construction activity continues to increase across the region, while liquidity challenges remain. Riverchain aims to scale where these conditions intersect.
The capital will be used to:
Improve credit assessment and origination technology
Expand embedded financing solutions
Build distribution tools enabling institutional investor participation
This approach supports a more predictable and data-led financing structure for the construction supply chain.
Ben Wong, Founder and CEO of Riverchain, said:
“The closing of our Series A validates our mission to empower subcontractors and gives us the resources to scale our technology and expand our reach. By combining specialised financial products with a data-driven platform, we’re helping a new generation of builders grow their businesses with confidence and transparency.”
Matthias Knobloch, Managing Partner and CEO of Betatron Venture Group, stated:
“Riverchain’s integrated approach and strong market position allow it to play a meaningful role in the sector’s digital transformation.”
Venture Builder Adrian Cheng added:
“Riverchain is harnessing innovation to transform construction opportunities into pathways for long-term progress.”
Construction accounts for nearly 13% of global GDP. Yet, the sector remains slow in adopting digital finance tools. Payment delays and limited credit access continue to affect SME profitability in Asia.
Companies like Riverchain are building sector-focused financial infrastructure. Rather than offering general credit, they use real-time project data to address a persistent funding gap. If Riverchain expands its model across Southeast Asia, it may shift how liquidity flows through the industry.
Riverchain’s Series A round reflects continued investor interest in applied fintech. The company aims to serve as a financial backbone for construction-focused SMEs by combining liquidity, data insights, and industry partnerships.
The next phase depends on scale and risk management. If successful, Riverchain could support a more transparent and efficient financing ecosystem across Asia’s built environment.
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