Invoice Factoring / Financing
Unlock Cash Flow with Flexible Invoice Financing Solutions
- 60 - 180 days Tenure
- 0.7% - 0.875% Per Month (Daily rated based on 365 days)
- Access cash tied up in receivables with invoice financing. Improve your working capital and grow your business today. Contact our advisory team for expert help!
Key Features & Capabilities
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Turn Invoice into Instant Cash
Convert unpaid invoices (local/overseas) into immediate cash on hand to cover operational expense.
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Approval Based on Your client, Not You
Unlike traditional loans, factoring approval is based on your client's creditworthiness, not you. If your clientele are MNCs, government agencies, or reputable SMEs, you can leverage their financial standing to secure funding.
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Boost Cash Flow Without Adding Debt
Invoice factoring is not a loan; it involves selling an asset (receivables). This means your businesses can improve cash flow without increasing liabilities, improving your balance sheet.
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Outsource Collections, Focus on Growth
The Factor will manage the collection of payments from your invoiced customers, reducing the administrative burden and allowing you to focus on core activities.
Invoice Factoring Calculator
Estimated Monthly Repayment
* Indicative assessment. Final approved quantum, interest rates, and facility terms are subject to formal bank underwriting and credit assessment.
Disclosed vs. Undisclosed & Recourse Factoring
- Disclosed (Notification) Factoring: The invoice bears a Notice of Assignment (NOA) instructing the debtor to pay directly into the factor's designated escrow account.
- Undisclosed (Confidential) Factoring: The end client is unaware of the financing arrangement; the borrower collects payment in trust and remits it to the factor.
- With Recourse: If the debtor fails to pay after 90–120 days, the borrower must buy back the invoice.
Cash Flow Tranche Mechanics
- Tranche 1 (Advance - Day 1): The factor disburses 80% to 90% of the invoice face value immediately upon verification.
- Tranche 2 (Rebate / Reserve - Upon Settlement): Once the debtor pays 100% of the invoice, the factor deducts its factoring fee and releases the remaining 10%–20% reserve back to the business.
Off-Balance Sheet Treatment
Under SFRS(I) 9 / IFRS 9 guidelines, when receivables are sold without substantial risk retention, the transaction can be derecognized as a financial asset, providing cash without inflating gearing ratios.
Ready to talk to us about Invoice Financing?
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- Customized Credit Structuring: Tailored facilities matched to your cash flow.
- 20+ Institutional Partners: Banks, finance houses & non-bank lenders.
- Rapid Review: Response within 1 business day.