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Invoice finance

Get up to 90% of the cash you are owed by your customers 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

Drawdown funds as and when needed with 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?

At 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 fees

  • No exit fees

  • No monthly or annual fees

  • No charge for early payments
  • No minimum fees

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

You need to have:

  • Singapore incorporated business with at least 6 months of operating history
  • Minimum annual turnover of $250,000
  • Trade with at least one large creditworthy customer. This includes listed companies, MNCs, or government agencies

We will also need:
  • Last 2 years financial statements

  • Last 6 months bank statements

  • Accounts receivable ageing
  • Directors' NOA and CBS report


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

Connect your Xero account to receive an indicative offer in minutes, with no obligation to continue. Enjoy a smooth process to manage your company's on-going funding drawdowns. You can also opt-in to automated finance postings and save you (and your accountant) admin.

Frequently asked questions

What is invoice finance?

Your invoices are an asset - it is money owed to you for completed work. 

Invoice finance provides you an advance against your outstanding invoices, so you do not have wait 30, 60 or 90 days to get paid by your customer. You receive up to 90% of the invoice value upfront, and pay a fee to the financier. 

What type of invoice finance does InvoiceInterchange provide?

Our facilities are completely flexible, you decide which invoices to fund, when you need it.

Your customer will be aware of your facility and will make payment to our controlled bank account.

In some cases, we can provide a confidential arrangement. 

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 clients must first pass a credit assessment 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.

Where invoice finance meets
business cashflow needs

Looking to find out more about how invoice finance can support your business needs?
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Invoice finance is a valuable tool for small and medium-sized enterprises (SMEs) looking to manag...

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.