Invoice finance

Get up to 90% of the cash you are owed in outstanding
invoices that you’ve issued for completed work.

Stop waiting and get paid today.

Invoice finance

With InvoiceInterchange, you can draw down up to 90%
of the value of your outstanding invoices. Helping your
businesses with cashflow management.

So stop waiting and get paid today with us

Get an advance of up to 90% of your invoice value upfront

Funds in your account within 24 hours

No contract lock-ins

Fast track the
money you’re owed
when you need it

Easy onboarding

Online application with no paper work.
Approval within 72 hours.

Quick drawdown

Funds in your account as soon as the same business day.

You decide

You decide which invoices to fund and how much. You choose the term that works best for your business.

Accept early repayments

You can choose to repay the advance earlier at any point with no penalties.

How invoice finance works?

1. Apply
2. Issue invoice
3. Obtain funding
4. Your customer pays and you receive the difference

How much would it cost?

With InvoiceInterchange, we believe in transparency.
All fees are known upfront prior to each draw down. Most importantly, your business only pays when you use the facility. That means:
  • No set-up fee
  • No exit fee
  • No monthly/annual fee
  • No charge for early payments

Invoice calculator

Use our calculator below to see how much it would cost to finance your invoice with us.
Loan Fee Calculator

How much do you have in
outstanding invoices?

Current total value of your accounts receivable

How much would you like to draw
down each month?

Average monthly funding amount


Eligibility criteria

For invoice finance facility with InvoiceInterchange, your business needs to be:
  • Singapore incorporated business with at least 6 months of operating history
  • Minimum annual turnover of $250,000
  • Trade with large creditworthy customers. This includes listed companies, MNCs, or government agencies
We will also need:
  • Latest financial statement
  • At least 3 months bank statement
  • Accounts receivable ageing
  • Director's NOA and CBS report


To save you time, we are fully integrated with Xero.
This means all eligible invoices will be available on the platform for you to drawdown. Simply select the invoice(s) that you wish to receive the funds on our platform. It is so easy.

Frequently asked questions

What is invoice financing?

Invoice financing is a short term financing solution which allows businesses to draw down cash against outstanding sales invoices.

What type of invoice financing does InvoiceInterchange provide?
We provide invoice discounting service to our SMEs – both selective invoice discounting (only sell when they need to) or the whole turn over invoice discounting depending on SMEs’ needs. We also offer confidential invoice discounting, which means that SMEs’ end customers will not be aware that cash has been advanced against sales invoices before payment has been received.
Is InvoiceInterchange regulated by MAS?
At InvoiceInterchange, we facilitate the sale and purchase of trade receivables between sellers and purchasers and do not lend money to companies. In addition, trade receivables are not classified as securities and we are therefore not impacted by MAS’ Securities-based crowdfunding regulations.
Can any company sell their invoices on InvoiceInterchange?
No, new SMEs must first pass InvoiceInterchange’s assessment procedures before they are accepted as members of the platform and allowed to begin selling their invoices. For example, SMEs must meet pre-determined minimum criteria and satisfy credit and anti-fraud checks.

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

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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.

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