Accounts Receivable Purchase Financing | OCBC Business Banking SG
Accounts Receivable Purchase

Accounts Receivable Purchase

Keep your cash flowing smoothly with Accounts Receivable Purchase

Why you will love this

An alternative source of working capital

Structured as a sale of receivables to the bank

Improves your cashflow by turning your receivables into cash

Improve your cash flow by turning your receivables into cash.

Features and benefits

Quick access to funds

Obtain payment before your invoice due date, so will you no longer have delayed payments.

Obtain payment before your invoice due date, so will you no longer have delayed payments.

Improved relationships

Allowing you to offer longer payment terms to key customers without impact to cash flow.

Allowing you to offer longer payment terms to key customers without impact to cash flow.

Greater liquidity

Improve cashflow and optimise working capital.

Improve cashflow and optimise working capital.

How it works

Step 1

Goods are delivered to buyer after a sale is agreed

Step 2

Invoice is issued to buyer

Step 3

OCBC customer sells the invoice to OCBC

Step 4

OCBC advances payment before due date of payment by buyer

Step 5

Buyer makes payment to OCBC on due date

Fees and charges

Fees and charges apply.

Important notice

Subject to approval and submission of documents required by OCBC.

How to apply

Take your business to the next level with us

Our trade finance specialists are here to understand your business requirements.
Speak to us today and apply.

Popular FAQs

Does OCBC purchase invoices issued to overseas buyers?
Yes. OCBC accepts invoices from buyers overseas. This is subject to OCBC‘s credit appetite on the risk profile of the particular buyer(s).
How long does it take for the Accounts Receivable Purchase facility to be set up?
Set-up time varies depending on how fast the relevant documents are received.
What is the maximum financing period that I can obtain?
Financing tenor ranges up to 360 days. The financing period is subject to OCBC‘s approval and assessment on a case-by-case basis.
What are the differences with financing through Accounts Receivable Purchase as opposed to a regular trade finance facility?
When you use a regular trade finance facility, you receive funding based on the bank’s assessment of your company’s financials. With an Accounts Receivable Purchase solution, the quality of the receivables are also assessed.

Under a regular trade finance facility, a loan is created. For an Accounts Receivables Purchase facility, OCBC purchases the receivables you generate on a buyer and it is not a loan provided by OCBC to the company (subject to your auditor’s confirmation).

Lastly, it is possible for pricing under an Accounts Receivable Purchase facility to be more competitive than your existing trade finance pricing subject to the Bank’s due diligence and review of the buyer and the overall quality of the receivables

Additional information




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