Velotrade is a Hong Kong-based financial technology company that operates an online marketplace for trade finance. The platform allows small and medium-sized enterprises (SMEs) to access working capital by selling their invoices (accounts receivable) to a pool of accredited investors. This process, known as invoice financing or factoring, helps businesses improve their cash flow. For investors, the platform provides an opportunity to invest in a low-volatility, short-term asset class. Founded in 2017, Velotrade was the first trade finance platform to be licensed by Hong Kong's Securities and Futures Commission (SFC), ensuring a regulated and secure environment for its users.