Invoice financing
Advance up to 90% of an approved invoice within 48 hours, instead of waiting 60, 90 or 120 days to be paid.
Your invoices are an asset. Stop letting them sit idle.
If you supply larger corporates, government agencies or main contractors, you have almost certainly accepted payment terms you did not choose. That money is genuinely yours — it is simply not accessible yet, and in the meantime you are funding their working capital out of your own.
Invoice financing advances the bulk of an approved invoice as soon as it is raised. When your customer settles, the balance is released to you less the financing cost. Because the facility is secured against the receivable rather than your balance sheet, approval leans on your customer’s credit strength as much as your own.
Best suited to
- B2B suppliers on long termsWhere invoices are payable in 60 to 120 days.
- Construction and sub-contractingProgress claims certified but not yet settled.
- Wholesale and distributionWhere restocking cannot wait for the previous cycle to be paid.
- Fast-growing companiesWhere every new order widens the cash gap before it closes it.
How it compares to a loan
Cash within 48 hours
Once a customer is approved, subsequent invoices are typically funded within one to two working days.
The line grows with your sales
Unlike a fixed loan, available funding rises automatically as you invoice more.
No property collateral
The receivable is the security. Your assets stay free for other purposes.
Leans on your customer’s credit
Strong debtors can offset a thinner trading history on your side.
Selective by default
Finance one invoice or your whole ledger. There is no obligation to assign everything.
Confidential options available
Facilities where your customer is not notified are available for established ledgers.
A S$200,000 invoice on 90-day terms
An interior fit-out contractor advanced a certified progress claim rather than waiting a full quarter, and used the cash to take on the next project immediately.
Illustrative only. Your own terms depend on credit assessment and are confirmed in writing before you accept.
From application to funds
Submit your ledger
Tell us who your customers are and typical invoice sizes and terms.
Customer approval
We credit-check your debtors and set an advance limit for each.
Upload an invoice
Raise the invoice as usual and submit it through the portal.
Get paid twice
Up to 90% lands within 48 hours; the balance follows when your customer settles.
Questions about invoice financing
It depends on the facility. Disclosed factoring notifies your customer and directs payment to a designated account. Confidential invoice discounting keeps the arrangement between us and is available for established ledgers with strong controls. We will tell you up front which one you qualify for.
Standard facilities are with recourse: if the invoice is not settled within the agreed period, the advance is repayable by you. Non-recourse cover, where the financier absorbs approved debtor insolvency, is available on selected debtors at a higher cost.
No. Selective financing is the default — many clients only fund their largest or slowest-paying customers and collect the rest normally.
As a monthly percentage of the advanced amount, charged for the days the funds are actually outstanding. Settle in 45 days rather than 90 and you pay for 45. There is a one-time facility set-up fee, disclosed before you sign.
Often, yes. Because the assessment weighs your customer’s ability to pay heavily, invoice financing is frequently accessible to companies too young for an unsecured term loan.
Also worth considering
Working Capital Loan
If the gap is not tied to specific invoices, an unsecured facility may suit better.
Learn more →
Business Term Loan
For structural investment rather than a timing gap.
Learn more →
Equipment Financing
Fund the machinery that lets you fulfil the contracts you are financing.
Learn more →
Waiting 90 days to get paid?
Send us a sample invoice and your debtor list. We will come back with an advance rate and an all-in monthly cost.