Turn your invoices into cash. Get paid in a flash.

Borrow and pay only for what you use at 0.6% per month.

Benefits

Get paid faster

Receive payments immediately instead of waiting up to 30, 60, 90, or even 120 days.

Receive payments immediately instead of waiting up to 30, 60, 90, or even 120 days.

Improve cash flow

Receive your funds within 1 working day.

Receive your funds within 1 working day.

Save costs

Pay interest only for the amount you use

Pay interest only for the amount you use

Get started

I would like to

Don't let payment terms stop you. Let us pay you first.
Unlock cash from your unpaid invoices so that you can grow and scale your business.

*Applicable for invoices uploaded before 4:30pm

Apply now

Build better relationships. Pay your suppliers right on time.
Let us pay for your invoices first, so you can buy inventory or complete customer orders with the extra cash.

Short-term Financing calculator

Check how much it costs to get the funds you need.

S$0
S$625,000
30 days
120 days
1%
10%

How much you could get now

S$0

Interest you will pay

S$0

Handling fee

S$0

Interest payable

S$0

Get customised quote

S$0
S$625,000
30 days
120 days
1%
10%

How much you could get now

S$0

Interest you will pay

S$0

Handling fee

S$0

Interest payable

S$0

Get customised quote

Disclaimer / Important Notice
The figures generated by this calculator are intended as a guide only, based on information that you provide. This shall not, and is not intended to, constitute a commitment that rates offered to you will necessarily be better than those generated by the calculator, and, in particular, is not a commitment to provide any financing. Rates will be determined according to, among other things, our analysis of your risk profile. Any financing is subject to terms and conditions.

Short-term Financing for quick wins

Short-term Financing for quick wins

  • Receive payments immediately for essential purchases to complete customer orders
  • Access more cash as your business turnover grows
  • Manage seasonal demand
  • Fulfill your invoice payment terms, lengthy delivery or project completion schedules
  • Improve cash flow and plan ahead with confidence

Read up on similar topics
Kydra uses invoice financing to bridge their short-term cash flow gap

What does it take to achieve the goal of being a leader in the activewear scene in Asia?

For Kydra, it’s about having the right financing — enabling them to meet surges in demand and bridging their short-term cash flow gap.

or call us at +65 6318 7777

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FAQs
Common questions
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What is OCBC Short-term Financing?
OCBC Short-term Financing lets you tap into the value of your unpaid invoices (up to 80%) – to pay your suppliers on time or offer longer payment terms to your buyers. This could be a good way to both manage day-to-day cash flow needs, and/or grow your business, as the amount of money you can receive is linked to the amount of your unpaid invoices.
How much funding can I get?
You could receive up to 80% of the value of your invoices in cash.
Why use OCBC Short-term Financing?
Simply apply and upload your invoices online to get access to cash within 24 hours*. Releasing money your business is owed or receiving money to make purchases for your business gives you access to funds which could help your business take advantage of more opportunities for growth.
How does OCBC Short-term Financing compare to a loan or overdraft?
Unlike business loans where there are fixed repayments or business overdraft where your business is limited by the amount you are eligible for,  OCBC Short-term Financing lets you borrow as much as the value of your invoices and pay for the amount you borrow. This means that as your business’ sales grow, so does the amount that can be borrowed.
What is the eligibility criteria and what documents are required?

Your business has to be ACRA-registered and in operations for at least 2 years. Businesses with less than 2 years of operations can still apply and applications will be considered on a case-by-case basis. Latest year of company financials and 2 years of your guarantor’s NOA are required.

Is there any minimum amount for STF drawdown or any penalty for early settlement?

There is no minimum amount for each drawdown. Your business has the flexibility to finance invoices as and when you need to. A fee will be charged for late payments and if the prepaid amount is USD500,000 and above.

Will suppliers or debtors be aware that my business is getting financing from OCBC?

No, they will not be aware that OCBC finances your purchases or sales.

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