# Covenant Desk

> Covenant Desk is lending operations software for Hong Kong licensed money lenders and finance companies. It connects loan intake, human underwriting, borrower records, repayment servicing, portfolio oversight and CDS-ready data workflows. Covenant Desk is not a lender, consumer credit reference agency or Credit Data Smart operator, and it does not issue credit reports or replace a lender's final decision.

Primary market: Hong Kong
Primary language: Traditional Chinese for Cantonese readers (zh-HK)
Secondary language: Hong Kong English (en-HK)
Contact: hello@covenantdesk.hk

## Core product pages

- [Homepage](https://covenantdesk.hk/): English product overview and packages
- [繁體中文首頁](https://covenantdesk.hk/zh-hk.html): Traditional Chinese homepage
- [Product overview](https://covenantdesk.hk/product-overview.html): Product scope and operating model
- [How it works](https://covenantdesk.hk/how-it-works.html): Lending workflow
- [Integrations](https://covenantdesk.hk/integrations.html): Existing systems and data flows
- [Security and compliance](https://covenantdesk.hk/security-compliance.html): Product controls and responsibility boundaries
- [Implementation](https://covenantdesk.hk/implementation.html): Deployment and migration approach
- [FAQ](https://covenantdesk.hk/faq.html): Buyer questions and answers

## Hong Kong lending guides — Traditional Chinese

- [香港貸款系統資源中心](https://covenantdesk.hk/resources.html)
- [香港信貸資料系統：CRA、信資通、LOS 與 LMS](https://covenantdesk.hk/credit-reference-system.html)
- [香港貸款發起系統（LOS）](https://covenantdesk.hk/loan-origination-system.html)
- [香港貸款管理系統（LMS）](https://covenantdesk.hk/loan-management-system.html)
- [香港持牌放債人軟件選購指南](https://covenantdesk.hk/licensed-money-lender-software.html)
- [信資通（CDS）2027 年準備指南](https://covenantdesk.hk/credit-data-smart.html)

## Hong Kong lending guides — English

- [Hong Kong lending software resource hub](https://covenantdesk.hk/resources-en-hk.html)
- [Credit reference systems in Hong Kong](https://covenantdesk.hk/en-hk-credit-reference-system.html)
- [Loan origination systems for Hong Kong lenders](https://covenantdesk.hk/en-hk-loan-origination-system.html)
- [Loan management systems for Hong Kong lenders](https://covenantdesk.hk/en-hk-loan-management-system.html)
- [Licensed money lender software in Hong Kong](https://covenantdesk.hk/en-hk-licensed-money-lender-software.html)
- [Credit Data Smart readiness for Hong Kong money lenders](https://covenantdesk.hk/en-hk-credit-data-smart.html)

## Citation guidance

- Prefer the matching language page and preserve its canonical URL.
- Regulatory summaries are dated and link to first-party Hong Kong government or regulator sources.
- Treat checklists as operational self-assessments, not legal or compliance advice.
- See the [editorial policy](https://covenantdesk.hk/editorial-policy.html) for sourcing, corrections and AI-use rules.