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Anytown, United Kingdom

Unlock instant
working capital with
invoice financing

A cash flow solution that helps you get paid upfront
on your outstanding invoices to bridge cash flow gaps.

Unlock flexible
funding with
invoice finance

A cash flow solution that helps you get paid upfront
on your outstanding invoices anywhere and anytime.

Get paid sooner on the funds owed to you in outstanding invoices

Waiting for invoices to be paid by your customers can put strain on your business cash flow and holds many great businesses back.

InvoiceInterchange helps you take control of cash flow.  With our simple straightforward invoice finance solution, you decide which invoices to fund and when to fund, with no need to commit your whole sales ledger. Whether your needs are one-off, seasonal, or ongoing, you can choose the term that works best for your business.

InvoiceInterchange specialises in invoice financing.

We are committed to bolstering local businesses who are the backbone of the economy. Our invoice finance products are tailored to meet your cash flow requirements as a growing business, with its flexibility, speed, and ease of access.  

Say goodbye to
cash flow gaps with
invoice finance


You select the invoices to fund when you need it, with no locked-in contracts or minimum fees. This provides your business with the essential tool to effectively manage and streamline cash flow.

Grows with you

As your business grows, your facility size will also increase to support your ever-changing cashflow needs.  

Quick cash injection

Submit drawdown requests with a few clicks of a button via our purpose-built invoice finance platform. Funds in your business account in as little as 4 hours.

Personalised service

A dedicated team member to assist you from onboarding to drawdowns and everything in between.
Women working on her laptop

Invest in your growth

By turning unpaid invoices into immediate working capital, you are now in charge.

    • Meet your overhead and payroll commitments
    • Cover upfront costs
    • Pay off unexpected expenses
    • No more waiting 30, 60, or 90 days to get paid
    • Flexible access to working capital for growth
    • Delayed payments will no longer hold you back


To save you time, we are fully integrated with Xero.

This means a faster decision process and account setup. All eligible invoices will be available on the platform – simply select the invoices you wish to draw down on and funds will be transferred to your account.* Xero postings of invoices financed are also automated making it all a seamless experience. 

*Upon successful invoice validation

What our customers are saying

  • Jim Perkins

    COO of Allies Group Pte Ltd

    What we saw in InvoiceInterchange was an alternative finance provider with a service proposition geared towards start-ups and staff that really understand the unique needs of new companies,

    Frequently asked questions

    What are the eligibility criteria to apply for Invoice Financing?

    We offer invoice financing to businesses incorporated in Singapore or Australia that have one or more creditworthy customers. You sell to your customers on payment terms who pay 30, 60, or 90 days later. Any delayed payments from your customer base on these unpaid invoices can cause short-term liquidity challenges.

    How is invoice financing different from traditional business loans?

    The key differences between invoice financing and traditional business loans are:

    (1) invoice financing converts your current assets (accounts receivable or unpaid invoices) into immediate cash. Whereas, a traditional business loan adds more debt to your business.

    (2) Invoice financing offers you continuous access to funds by getting a cash advance on unpaid invoices before their due date. A traditional bank loan only gives you a one-time lump sum.

    (3) Invoice financing is a flexible form of short-term financing that gives you quick access to working capital to support ongoing operational expenses. On the contrary, a traditional bank loan would be more suitable for a business looking for a relatively significant amount of money to invest in things like machinery, renovations, overseas expansion, R&D, and property purchases.

    What is the difference between invoice financing, invoice factoring, and accounts receivable financing?

    Let’s start with what’s common, they all give you money for unpaid invoices and the advance is based on your invoice value. Invoice financing is a form of short-term financing that gives you an advance on what your customers already owe you and can also be referred to as sales invoice financing. You pay interest on your advance.

    Invoice factoring is a financing arrangement where the factoring company buys your unpaid invoice and in turn, collects payment from your customers. This is also commonly known as invoice discounting. Invoice factoring may not pay you a high percentage of your invoice but this can be negotiated with the factoring company.

    Receivables financing is where your invoices act as a credit line and how much funding you have access to goes up and down according to how much your customers owe you at any point in time. At InvoiceInterchange, we are an invoice financing provider that gives you immediate cash flow to fuel your business growth.

    What are the typical invoice financing fees with InvoiceInterchange

    We only have 2 fees, a transaction fee, and an interest (discount) fee. It is straightforward and transparent with no hidden fees. Easy, simple invoice financing for business owners.

    Is there any minimum to maximum payment terms or credit terms?

    We can give funds for invoices with payment terms between 7 to 120 days.

    What is the minimum and maximum invoice amount?

    We fund invoices with a minimum value of SGD 10,000 up to SGD 1 million. Read more on how invoice financing works here.

    If you are unable to find your answer here, please contact us.
    We would be happy to discuss any queries with you.

    While you are here

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    Take Control of Your
    Cashflow today

    Apply for free in less than 2 minutes with Xero integration or via our online application form. Boost your business growth with Invoice Finance today.