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Share the trade
Send us the purchase order or supplier invoice you need to fund, along with your trade history.
Fund purchases & suppliers
Trade Financing Singapore
Trade financing funds the gap between buying goods and getting paid for them. It covers the supplier payments and purchase orders that sit behind your sales, so you can pay suppliers upfront — locally or overseas — fulfil bigger orders, and negotiate better terms, with the facility repaid once your goods sell or your buyer settles.
Why businesses use it
For importers, distributors and trading companies, the squeeze is structural: suppliers want payment before shipping, buyers want to pay after receiving. You carry the entire cycle — and the bigger the order, the bigger the strain.
What it's used for
Paying suppliers upfront
Meet deposit or pre-shipment terms without draining working capital.
Import & export orders
Fund cross-border trade where payment and delivery are weeks apart.
Fulfilling large POs
Accept orders bigger than your current cash position allows.
Securing supplier discounts
Use early or upfront payment to negotiate better unit pricing.
How it works
Trade Financing — how it works
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We assess the cycle
We look at the transaction, your supplier and buyer, and the expected timeline to settlement.
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Supplier gets paid
Funds are released to pay your supplier so the order can proceed without delay.
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Repay on settlement
The facility is repaid once your goods are sold or your buyer pays, matching your trade cycle.
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
- Purchase orders / sales contracts
- Supplier invoices or quotations
Things to consider
- Structured around a specific trade cycle, so the tenure matches your order timeline rather than a fixed term.
- Best suited to businesses with documented purchase orders and identifiable buyers.
- Cross-border trades may require additional documentation on the counterparty.
Questions, answered
Trade Financing FAQs
Trade financing funds the working capital tied up between paying a supplier and being paid by your buyer. Rather than using your own cash to cover the full trade cycle, the facility pays your supplier so the order proceeds, and is repaid when your goods sell or your buyer settles.
Yes. We cover both local and overseas trade, including import and export transactions. Cross-border trades typically need additional documentation on the supplier and the shipment.
A working capital loan is general-purpose cash repaid on a fixed monthly schedule. Trade financing is tied to a specific transaction — a purchase order or supplier invoice — and repaid when that trade settles, so it self-liquidates with the deal it funded.
Not necessarily. We can structure against purchase orders or supplier invoices directly. LC-based structures are available where your trade already uses them.
Facilities run up to S$50,000. The size we can extend depends on the trade itself, your buyer's profile, and your track record with similar transactions.
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