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Optimise cash
flow with whole
ledger finance

When upfront funds is crucial to support your on-going operations, don’t wait for your customers to pay.
Get Paid Now
Optimise cash flow with whole ledger finance
When upfront funds is crucial to support your on-going operations, don’t wait for your customers to pay.
Get Paid Now
Or Learn More

Drawdown funds against all
your outstanding invoices

$10,000 – $5,000,000 | Maximise credit limits with
no minimum drawdown requirements | Competitive rates

Release funds from your whole sales ledger

Flexibly choose the invoices you wish to fund and when.

Facility size up to $5M

Facility size that grows with you. As your business grows, your credit limit increases*

*Subject to credit assessment

Obtain funding up to 90%

We advance up to 90% of your sales ledger

Transparent – only 2 fees

Straightforward fees

  • Transaction fee, a fixed percentage of each invoice funded.
  • Discount fee, a percentage against funds advanced, calculated on a daily basis until the invoice is settled by your customer.

Funding available in SGD and USD

You can set up your account with us in both SGD and USD currencies.

Release funds from your whole sales ledger

Flexibly choose the invoices you wish to fund and when.

Facility size up to $5M

Facility size that grows with you. As your business grows, your credit limit increases*

*Subject to credit assessment

Obtain funding up to 90%

We advance up to 90% of your sales ledger

Transparent – only 2 fees

Straightforward fees

Transaction fee, a fixed percentage of each invoice funded.

Discount fee, a percentage against funds advanced, calculated on a daily basis until the invoice is settled by your customer.

Funding available in SGD and USD

You can set up your account with us in both SGD and USD currencies.
Get A Free Quote
Getting a quote is free and there are no obligations.
It does not impact your business credit score.

Get started with us, no obligations

Ease liquidity and put your plans into motion sooner with whole ledger finance

  • Apply online in 10 minutes

    Tell us about your business via our online platform or simply connect your Xero account and we will do the rest

     

  • Approval within 48 hours
    Credit assessment and outcome will be available within 48 hours. There is no application fee and no obligation to draw down funds
  • Submit your invoice for funding
    Once approved, your business can start to get funds by submitting invoices and supporting documents via our online platform.
  • Funds in your account within 24 hours
    Once invoice is verified, funds will be transferred to your bank account.
Apply Now

Invoice calculator

Use our calculator 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

$10000

Whole ledger finance

Bridge cashflow gaps and invest in future growth.

Whole ledger finance is most suited for businesses who are looking for a larger facility limit and have regular funding needs.

You will need to have strong sales and collection processes in place.

Get Started

Is whole ledger finance right
for you?

A whole ledger finance facility is generally available to businesses that meet the following criteria and is subject to approval.

  • You have a limited company or LLP based in Singapore
  • You have been operating for 1 year or longer
  • Have more than 5 active customers in your book
  • You have a minimum turnover of $500,000 p.a.

Frequently asked questions

Are all my invoices automatically available for drawdown?

Each invoice you submit will be verified. Only eligible invoices will be available for drawdown. For example, you invoice only when goods have been delivered or work is complete. 

How do I draw funds?

Simply click upload and submit your invoices (and supporting documents) for funding on the InvoiceInterchange platform. 

How do I pay the fees?

A transaction fee is taken off the advance you receive on day-one. When you customer pays, the discount fee is deducted from the post-settlement balance due to you.

How quickly can I draw funds?

Once your facility is up and running, you will receive funds for submitted and approved invoices within 24 hours. 

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

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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.

Get Started