Invoice Factoring
Unlock Cash Tied Up in Your Invoices
Stop waiting 30–90 days for customers to pay. We advance up to 90% of your invoice value so your business keeps moving.
Overview
What Is Invoice Factoring?
Invoice factoring — also known as accounts receivable financing — allows you to sell your outstanding invoices to us at a discount in exchange for immediate cash. Instead of waiting for your customers to pay, you receive the funds upfront, giving you the working capital to run and grow your business without taking on traditional debt.
Advance Rates & Fees
Advance Rate
Up to 90% of invoice value
Factoring Fee
Competitive rates — assessed per application
Invoice Tenure
Up to 120 days
Minimum Invoice Value
SGD 5,000 per invoice
Processing Time
Advance within 24 hours of approval
Recourse Type
Recourse and non-recourse options available
The Process
How Invoice Factoring Works
01
Submit Your Invoices
Send us your outstanding invoices from creditworthy business customers. We review and verify the invoices.
02
Receive an Advance
We advance up to 90% of the invoice face value directly to your business account — typically within 24 hours.
03
Customer Pays the Invoice
Your customer pays the invoice on its original due date, as normal. Payment is made directly to us.
04
Receive the Balance
Once your customer pays, we remit the remaining balance to you, less our factoring fee.
Qualifying Criteria
Eligible Invoices
Not all invoices qualify. Here is what we look for when assessing your invoices for factoring.
We Accept
B2B invoices — issued to other businesses, not consumers
Invoices for goods delivered or services already rendered
Invoices from creditworthy, Singapore-registered customers
Invoices with payment terms of up to 120 days
Invoices free from liens, disputes, or prior assignments
We Do Not Accept
Consumer (B2C) invoices
Invoices for work not yet completed or goods not yet delivered
Invoices already assigned to another financier
Invoices under active dispute or legal proceedings
Advantages
Why Choose Invoice Factoring?
Improve Cash Flow Immediately
Convert outstanding receivables into working capital without waiting for payment terms to expire.
No New Debt on Your Balance Sheet
Factoring is not a loan — it is the sale of an asset. It does not add liabilities to your balance sheet.
Grow Without Constraints
Take on larger orders and longer-term contracts knowing your cash flow is protected.
Flexible and Scalable
Factor as many or as few invoices as you need. There is no fixed commitment or minimum volume.
Fast and Simple Process
Our streamlined process means you can receive funds within 24 hours of invoice approval.
Suitable for Growing Businesses
Ideal for businesses with strong customers but uneven cash flow — common in construction, logistics, and services.
Requirements
Who Can Apply
Singapore-registered business
Your company must be incorporated in Singapore with a valid UEN.
B2B business model
You must issue invoices to other businesses (not consumers) for goods or services.
Minimum 6 months in operation
We require at least 6 months of operating history to assess your business.
Creditworthy debtors
Your customers (the invoice debtors) should be established, creditworthy businesses.
Get Paid Faster. Grow Faster.
Apply for invoice factoring today and our team will assess your invoices within one business day.