BY Finance is a finance company formally established under the Hong Kong Money Lenders Ordinance (Chapter 163 of the Laws of Hong Kong). BY Finance uses its ample resources and professional experience to provide the properties owners with speedy, convenience, and sincere property loan service.

BY Finance is a wholly-owned subsidiary of PC Securities Financial Group (PCSFG). Found in 2001, PCSFG presence in Hong Kong, Singapore, Taiwan. Through its members, PCSFG business covers the Asia pacific region by providing diversified and dynamic financial products and services, include Securities, Insurance, Funds, Asset Management, Wealth Management, Offshore Family Trust, Global Properties, Investment Immigration, Business Consulting, etc. All PCSFG members are licensed or verified by related regulatory authorities.

Recently, PCSFG focus on its credit service business and set up BY Finance. With its diversified products and services, PCSFG has acquired a wide range of credit and real estate related information and network, strive in developing a speedy, convenience and brand new platform between banks and other financial institutions to provide professional, flexible and sincere property loan services to customers.

寶元財務是根據香港放債人條例（香港法例163章）正式成立之認可財務公司，本公司運用其優厚資金及專業經驗，致力以「真誠、真心、真意」為業主提供快捷資金周轉的機會。

寶元財務為寶鉅證券金融集團（「寶鉅」）全資附屬公司，寶鉅於2001年成立，於香港、新加坡、台灣皆有據點，旗下成員分別提供證券、保險、基金、資產管理、財富管理、離岸信託、全球置產、投資移民、企業諮詢等業務，更全部領有相關監管機構發出的牌照或資格。

寶鉅近年致力於發展財務信貸並成立寶元財務，憑藉其多元化的產品及服務，累積了大量地產市場、物業信貸有關資訊及人脈資源，在銀行和一般財務機構之間建立一個嶄新而又便捷的物業貸款平台。貫徹樂於助人的形象及致力解決各業主燃眉之急的宗旨。