Confidential
invoice financing solutions tailored for you
With our complimentary assessment, your credit rating remains unaffected. We provide a handpicked list of invoice financing solutions based on your business profile and eligibility.
Our complimentary assessment will not affect your credit score
Confidential
invoice financing solutions tailored for you
With our complimentary assessment, your credit rating remains unaffected. We provide a handpicked list of invoice financing solutions based on your business profile and eligibility.
Our complimentary assessment will not affect your credit score
No more
Waiting
Get a loan proposal
with no commitment
Find the lowest interest rates now!
Key features
of invoice financing
-
Unlocks Up to 70%–90% of Your Invoice Value Instantly
Invoice financing allows businesses to convert issued invoices into immediate working capital by advancing between seventy to ninety percent of the invoice value. This fast access to funds reduces the strain of long payment terms and ensures your cash flow remains steady while waiting for customers to pay. -
Provides Rapid Funding Within 24 to 72 Hours
Unlike traditional financing that may take weeks to process, invoice financing is designed for speed. Once your business and invoices are approved, funds are typically released within one to three working days. This rapid turnaround makes it ideal for companies that need urgent cash flow support to fulfil orders, pay suppliers, or manage operational commitments without delay. -
Helps You Offer Longer Payment Terms to Win Clients
Many large corporations in Singapore require suppliers to accept extended payment terms. Invoice financing allows your business to confidently offer competitive thirty-to-ninety-day terms without affecting your cash flow. This strengthens your ability to secure big contracts, retain valuable clients, and stay competitive in industries where extended credit terms are the norm. -
Reduces the Impact of Late or Delayed Customer Payments
Late payments are a common challenge across many B2B industries, especially where clients operate on rigid payment cycles. Invoice financing cushions your business against such delays by providing upfront cash based on the invoice amount. This helps you maintain smooth operations, settle expenses on time, and avoid cash crunches caused by unpredictable payment behaviour. -
Maintains a Healthier Balance Sheet Compared to Loans
Since invoice financing advances cash against your receivables rather than adding long-term debt, it helps keep your balance sheet leaner and healthier. This can strengthen your financial ratios, improve your credit standing, and enhance your overall borrowing capacity for future financing needs. For SMEs planning to expand or secure additional credit facilities, maintaining a favourable balance sheet profile is a strategic advantage.
-
Unlocks Up to 70%–90% of Your Invoice Value Instantly
Invoice financing allows businesses to convert issued invoices into immediate working capital by advancing between seventy to ninety percent of the invoice value. This fast access to funds reduces the strain of long payment terms and ensures your cash flow remains steady while waiting for customers to pay. -
Provides Rapid Funding Within 24 to 72 Hours
Unlike traditional financing that may take weeks to process, invoice financing is designed for speed. Once your business and invoices are approved, funds are typically released within one to three working days. This rapid turnaround makes it ideal for companies that need urgent cash flow support to fulfil orders, pay suppliers, or manage operational commitments without delay. -
Helps You Offer Longer Payment Terms to Win Clients
Many large corporations in Singapore require suppliers to accept extended payment terms. Invoice financing allows your business to confidently offer competitive thirty-to-ninety-day terms without affecting your cash flow. This strengthens your ability to secure big contracts, retain valuable clients, and stay competitive in industries where extended credit terms are the norm. -
Reduces the Impact of Late or Delayed Customer Payments
Late payments are a common challenge across many B2B industries, especially where clients operate on rigid payment cycles. Invoice financing cushions your business against such delays by providing upfront cash based on the invoice amount. This helps you maintain smooth operations, settle expenses on time, and avoid cash crunches caused by unpredictable payment behaviour. -
Maintains a Healthier Balance Sheet Compared to Loans
Since invoice financing advances cash against your receivables rather than adding long-term debt, it helps keep your balance sheet leaner and healthier. This can strengthen your financial ratios, improve your credit standing, and enhance your overall borrowing capacity for future financing needs. For SMEs planning to expand or secure additional credit facilities, maintaining a favourable balance sheet profile is a strategic advantage.
How is the
process like?
Upload your unpaid invoices and business details for an initial assessment.
We check your invoices and business profile to determine suitable financing options.
The financier performs credit checks, verifies invoices, and assesses risk.
Receive a financing offer with the approved amount, advance rate, and fees.
Once accepted, funds are transferred to your business account, helping you manage cash flow.
What are the requirements to start?
We accept applications from all businesses (no matter the age or industry), in fact all we ask is:
- Annual sales revenue above $200,000
- Minimum 6–12 months of operations
What you need to have to hand:
- The B2B invoice(s) you want to finance
- Latest 6 months of company bank statements
Ready to apply?
The document requirements may change according to the loan size and type of company
What are the requirements
to start?
We accept applications from all businesses (no matter the age or industry), in fact all we ask is:
- Annual sales revenue above $200,000
- Minimum 6–12 months of operations
What you need to have to hand:
- The B2B invoice(s) you want to finance
- Latest 6 months of company bank statements
Ready to apply?
The document requirements may change according to the loan size and type of company
Loan calculator
The typical interest rates for invoice financing is around 5% to 7% per annum.
Below is our free loan calculator tool which you can use it to gauge your total costs.
This loan calculator is only an example, your actual rate and repayment amount for your business loan will vary based on your circumstances.
Invoice financing based on your needs
How does it work?
- Submit the contact form with the relevant details
- Our team will contact you to start the assessment
- Receive your very own tailored loan proposal suited for your needs
Still need help?
- Find answers in our FAQ
- admin@approvedconsultancy.com
Loan Proposal Form
Frequently asked questions
Here are some questions our customers ask. Check our FAQs for anything we haven’t covered.
Under confidential invoice financing, lenders will not contact the customer unless necessary.
Any ACRA-registered business serving other businesses (B2B) may qualify. Industries with frequent invoicing—such as logistics, wholesale, construction, and manufacturing—often use it.
Fees typically include a service fee, discount rate (similar to interest), and administrative charges.
The final cost depends on the invoice value, your customer’s risk profile, and financing duration.
Generally, invoices for completed, delivered, and undisputed goods or services.
Work-in-progress invoices or invoices to individuals are typically not accepted.
Yes. Many providers allow you to submit several invoices simultaneously, as long as each invoice meets their criteria.