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Submit your invoices
Share the invoices you want to finance along with your receivables ageing report.
Turn unpaid invoices into cash
Invoice Financing Singapore
Invoice financing lets you draw cash against invoices you've already issued but haven't been paid for. Instead of waiting out 30, 60 or 90 day payment terms, you receive up to 90% of the invoice value upfront. When your customer settles, you get the balance less a fee. It converts your receivables ledger from a waiting game into working cash.
Why businesses use it
If you invoice corporate or government buyers, you're effectively lending them money for free — often for months. Every unpaid invoice is capital you've already earned but can't deploy into the next order.
What it's used for
Bridging long payment terms
Stop waiting 60–90 days to access revenue you've already earned.
Taking on larger orders
Say yes to a big contract without the cash flow strain of funding delivery.
Smoothing lumpy revenue
Even out income when a few large invoices dominate your month.
Paying suppliers on time
Protect supplier relationships and early-payment discounts.
How it works
Invoice Financing — how it works
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We verify the debtor
We assess the creditworthiness of your customer — the party who ultimately pays — as well as your business.
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Draw up to 90%
Receive up to 90% of the invoice value upfront, usually within a day of approval.
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Balance on settlement
When your customer pays, you receive the remaining balance less the agreed fee.
Before you apply
Eligibility and documents
Who qualifies
- Incorporated in Singapore — Pte Ltd or LLP only
- At least 6 months in operation
- Minimum annual revenue of S$60,000
- At least one Singaporean or PR director / guarantor
Documents you'll need
- ACRA / BizFile business profile
- NRIC (front & back) of directors / guarantors
- Latest 6 months business bank statements
- Outstanding / sample invoices
- Accounts receivable ageing report
- Key debtor details
Things to consider
- Because the facility is invoice-backed, your customer's creditworthiness matters as much as your own.
- Best suited to B2B businesses invoicing on credit terms — not cash-on-delivery or retail models.
- You only pay for what you draw, so costs scale with usage rather than a fixed loan balance.
Questions, answered
Invoice Financing FAQs
You issue an invoice to your customer as normal, then submit it to us. We advance up to 90% of its value upfront. When your customer pays on their usual terms, you receive the remaining balance minus our fee. Your customer relationship and payment terms stay unchanged.
Up to 90% of the invoice value. The exact advance rate depends on your customer's credit profile, the invoice terms, and your trading history.
It functions differently from a term loan. Rather than borrowing a lump sum repaid on a fixed schedule, you're advancing cash against a specific receivable that settles when your customer pays. It's revolving, so you can use it as invoices arise rather than carrying a fixed debt.
This depends on the structure of the facility. We'll explain clearly which arrangement applies to your situation before you commit, so there are no surprises in your customer relationships.
Late payment is common and we'll discuss how it's handled as part of your facility terms upfront. We'd rather set clear expectations at the start than surprise you later — talk to us about your typical debtor behaviour.
Other options
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Unsecured cash flow funding
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