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Invoice financing in Singapore provides a practical way for businesses to turn outstanding invoices into immediate cash flow. At ROSHI we help local SMEs and startups navigate the expanding network of invoice financing providers across the region.
Our platform lets you compare and access trusted lenders that deliver flexible solutions tailored to your company’s needs. Whether you face delayed payments or seasonal cash shortages, invoice financing can serve as a scalable alternative to traditional bank loans. With our intuitive interface you do not need to visit individual providers because we bring the best invoice financing options in Singapore directly to your screen.
If you are wondering what invoice financing is, think of it as a cash advance secured by your receivables. Instead of waiting weeks or months for clients to pay, this funding method allows you to tap into pending income immediately.
It is not a conventional loan but a short-term financing tool created for businesses that issue invoices on a regular basis.
Managing international trade often involves delayed payments, foreign exchange risk and strict supplier timelines. Import invoice financing helps importers pay overseas suppliers upfront while repaying the financing provider after their customers settle invoices.
ROSHI connects importers in Singapore with solutions that effectively bridge this cash flow gap. Our platform highlights providers that understand global trade dynamics and offer terms suited to your supply chain. By centralizing available options we save you the trouble of dealing with multiple institutions while helping you secure the liquidity required to keep shipments on schedule.
Understanding the difference between invoice factoring and invoice financing is essential when choosing the right funding approach. In invoice factoring you sell your invoices to a third party who collects payment directly from your customers.
In invoice financing you keep control over collections and simply borrow against the invoice value. Each method carries unique advantages depending on your business model, customer relationships and privacy preferences.
| Lender | Annual Interest Rate | Processing Fee | Annual Fee | Monthly Repayment |
|---|---|---|---|---|
| Anext | 7%-10% | 1% or S$200 | No | $2,970.18 |
| DBS | 7% | 1% | No | $2,970.18 |
| Maybank | 7%-10% | 1-2% | No | $2,970.18 |
| OCBC | 7% | 1-2% | No | $2,970.18 |
| Orix | 8.5 % | 1-2% | No | $3,077.48 |
| Ethoz | 7-10% | 1.25% | One time off $1,500 Commitement Fee | $2,970.18 |
| Funding Societies | 9.6 % | 4% | No | $3,157.61 |
| SCB | 9.00 % | 1-3% | $288 | $3,113.75 |
* Rates Updated 01 Jan 2026 - Loan Amount Example S$150,000 In 5 Years
Invoice financing is a type of short-term business funding that allows companies to leverage unpaid invoices to access immediate cash. Instead of waiting for clients to fulfill their payment terms, often 30 to 90 days, businesses can receive a large portion of the invoice value upfront from a lender. This approach helps companies maintain healthy cash flow, cover operational expenses and continue scaling without relying solely on traditional bank loans.
There are two main forms of invoice financing: invoice factoring and invoice discounting. In invoice factoring the lender usually manages collections from the client, while in invoice discounting the business retains control of the collection process. Both models rely on the value of accounts receivable and do not require physical assets as collateral, making them ideal for businesses with limited tangible resources.
This financing solution is especially valuable for SMEs, startups and firms operating in industries such as logistics, construction or wholesale trade where extended trade credit terms are common. With the growth of fintech lending platforms in Singapore, invoice financing has become more accessible, offering fast approvals, minimal paperwork and real-time integration with accounting tools.
Ultimately, invoice financing acts as a liquidity bridge that helps businesses overcome cash flow gaps and capitalize on growth opportunities without increasing their debt burden.
Invoice financing is a form of asset-based lending that helps businesses unlock cash tied up in their accounts receivable. Rather than waiting for customers to pay on extended terms, companies can convert these outstanding invoices into immediate working capital. This financing model falls under the broader category of alternative finance, designed to improve liquidity without taking on long-term debt.
There are primarily two types of invoice financing:
– Invoice Factoring : A business sells its unpaid invoices to a third-party lender (known as a factor). The factor advances a percentage of the invoice value (typically 70%–90%) and takes responsibility for collecting payments directly from the customer. This method can ease the burden of credit control and collections.
– Invoice Discounting : The business retains control of its sales ledger and collections while using its invoices as collateral. A lender advances funds based on the value of the trade receivables and repayment is made once customers settle their bills. This option provides greater confidentiality, as customers are often unaware of the financing arrangement.
Both models are designed to bridge cash flow gaps, enabling firms to pay suppliers, cover operational expenses or invest in growth without waiting for client payments. Ideal for small to mid-sized enterprises (SMEs), invoice financing is especially useful in industries where extended payment terms are standard practice, such as manufacturing, logistics and wholesale.
As digital lending platforms evolve, invoice financing has become faster, more flexible and integrated with accounting tools – allowing seamless fund access and simplified reconciliation.
Invoice financing is a funding solution that allows businesses to unlock cash tied up in unpaid invoices. Instead of waiting for clients to pay, companies can receive a portion of the invoice value upfront from a lender.
In invoice factoring, a third-party lender collects payments directly from customers. In invoice discounting, the business retains control of collections while borrowing against the invoice value.
Small to mid-sized enterprises (SMEs), startups and businesses with recurring invoices can use invoice financing. It is particularly useful for companies facing cash flow gaps or seasonal fluctuations.
Invoices must be valid, issued to creditworthy clients and not overdue. Lenders may exclude invoices from high-risk debtors or those subject to disputes.
Funding speed depends on the lender, but many invoice financing platforms in Singapore provide approvals and disbursements within 24 to 72 hours once documentation is complete.
Ensure that your invoices are clear, detailed and sent out promptly. This increases the likelihood of faster approvals and reduces disputes during the invoice verification process. Include precise payment terms and client information to streamline the lender’s due diligence.
Since the repayment depends on your clients’ ability to pay, perform credit risk assessments on key accounts. Some lenders may reject invoices tied to high-risk debtors or offer reduced advance rates for them.
Each provider has its own pricing model, typically a service fee and a discount rate. Review all lending terms carefully, including contract length, exit fees and whether the financing is recourse or non-recourse. This helps you avoid hidden costs.
If maintaining customer relationships is crucial, invoice discounting (which is confidential) may be more suitable. However, factoring can be beneficial if you need help with debtor management and collections.
Don’t treat invoice financing as a one-off solution. Use it as part of your working capital optimization and financial forecasting efforts. Track how quickly clients pay and adjust financing volumes accordingly.
Mastering your loan moves starts with understanding the real cost of borrowing. We believe in empowering you with the right knowledge to make smart financial choices, not quick fixes that lead to debt traps. Our commitment is helping you borrow wisely and stay in control of your money.
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.Don't be a fool! #roshi #singapore #lending #borrowing
Trust the original! #roshi #singapore #lending #borrowing
.Don't be a fool! #roshi #singapore #lending #borrowing
Trust the original! #roshi #singapore #lending #borrowing
.Don't be a fool! #roshi #singapore #lending #borrowing
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