Accounts Receivable Financing

Obtain cash upfront

By converting your invoices

  • Credit line up to $1 million SGD 

  • Financing up to 80% of the invoice value

  • Tenor up to 120 days

Why Explore Accounts Receivable Financing?

Accounts Receivable Financing allows firms to receive cash earlier than the specified terms of payment through pledging invoices, as an alternative to traditional business loans. This is a financing option suitable for SMEs who have a steady stream of recurring invoices. Accounts Receivable Financing allows either notified or non-notified arrangements to suit different business requirements.

A financing solution to boost your business cash flow

Customizable Structure

We offer invoice financing line facilities with notified and non-notified options, and are confident of having a solution suitable to your needs.

Flexible Repayment Options

We provide tenures from 30, 60, 90 to 120 days to best fit your business requirements.

Full Transparency

We will inform you of the costs and fees involved upfront, with no hidden fees for you to worry about. See our FAQs at the bottom for more information.

Quick Application

We have an online application that saves you the hassle of having to leave the comfort of home, or work.

Am I eligible for Accounts Receivable Financing?

  • Singapore registered business
  • Minimum 30% shareholding by a Singaporean Citizen or Permanent Resident Director
  • 6 months minimum operating history

How to apply?

Apply Here!

Our team will contact you for more information upon your application.

Review your offer

Upon reviewing your document submission, we will issue you the Letter of Offer. If you are agreeable, simply sign off the offer.

Contract and Disbursement

Once you receive the contract, send it back to us signed and sealed. We will disburse your funds within 48 hours¹ of receiving your signed contract.

We've got you covered

Not what you’re looking for?
We have other financing solutions available to serve your needs.

Check out our other SME loan offerings

100% committed to supporting SMEs 

100% focused on SMEs’ financial needs

100% stronger together

Frequently asked questions


Accounts Receivable Financing is a broad concept of financing arrangement where it allows companies to finance their early payment on their sales invoices or sales purchases, for goods delivered and/or services completed. This method of financing is ideal for businesses in need of consistent cash flow or cash upfront, especially if the majority of their transactions are on credit terms.

Fulfilled by FS Capital Pte. Ltd.


  • 2 years financial statements, or up to date management financial statements, whichever is applicable

  • Latest 6 months bank statements

  • Director(s) and Shareholder(s) NRIC or Passport, latest 2 year NOA and CBS report

Additional documents may be required. This is determined on a case by case basis. Our team will reach out to you once your application is received.


For additional products offerings from Funding Societies, please refer to


Pemberi Dana
+62 877 7126 5290

Penerima Dana
+62 877 7873 6144

Unifam Tower, Jl. Panjang Raya
Blok A3 No.1, Kedoya Utara,
Kebon Jeruk, Jakarta Barat,
DKI Jakarta, 11520, Indonesia

General Enquiries:
+65 6221 0958

Sales Enquiries:
+65 6011 7534

112 Robinson Road
Level 8
Singapore 068902

Primary contact
+603 9212 0208

Secondary contact
+603 2202 1013

Unit 15.01 & Unit 15.02,
Level 15, Mercu 3,
KL Eco City, Jalan Bangsar,
59200 Kuala Lumpur


SME Loan
+66 93 139 9721

+66 62 197 8661

No. 188, Spring Tower,
10th Floor, Phayathai Road,
Thung Phaya Thai Sub-district,
Ratchathewi District,
Bangkok, 10400

(+84) 28 7109 7896

The Sentry P
16 Nguyen Dang Giai Street,
Thao Dien Ward, Thu Duc City,
Ho Chi Minh City, Vietnam

174 Thai Ha Street,
Trung Liet Ward, Dong Da District,
Hanoi, Vietnam

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¹ Terms & Conditions Apply

² Rate based as of March 12th, 2021

Funding Societies Pte. Ltd. is a digital finance platform licensed by the Monetary Authority of Singapore. The products offered by Funding Societies Pte. Ltd. are governed by the Securities and Futures Act (SFA) and shall be construed and understood as a debt security regardless of the references to "loan", "lending", "finance" or "financing".

Funding Societies is Southeast Asia's leading SME digital financing platform. We specialise in all forms of short-term financing for SMEs, funded by individual and institutional investors. We pride ourselves in speed and flexibility, offering the widest range of term loan, trade finance and micro loan products. Backed by SoftBank Ventures Asia Corp and Sequoia India, amongst many others, Funding Societies has helped to finance over S$2 billion in business loans regionally. We are dedicated to the vision of enabling SMEs through equitable financial access, ultimately making a positive impact for our societies in Southeast Asia.

Funding Societies Pte. Ltd. and FS Capital Pte. Ltd. are part of the Funding Societies Brand.

Funding Societies Pte. Ltd.
Business Registration No.: 201505169M | CMS License No.: CMS100572

FS Capital Pte. Ltd.
Business Registration No.: 201631787R

© 2020 Funding Societies Pte. Ltd. & FS Capital Pte. Ltd. All rights reserved.