Invoice Financing in Singapore

Unlock Cash From Invoices

Invoice financing allows businesses to access funding based on outstanding invoices instead of waiting for customers to complete payment. This helps companies maintain stable cash flow while continuing daily operations.

Through our network of lenders, Ares Capital helps businesses unlock working capital from their receivables, allowing funds to be accessed earlier to support operational needs.

How We Help

We Assist With:

Types of Invoice Financing

Funding Uses

Financing Structure

Our Procedures

How To Apply?

01.

Prepare Business Documentation

  • Latest 2 years company financial statements
  • Latest 6 months bank statements
  • Accounts receivable / accounts payable ageing report
  • Director or guarantor credit report (CBS)

02.

Credit Assessment & Lender Matching

We conduct a pre-assessment of your company’s financial profile and present the case to suitable lenders within our network.

03.

Compare Approved Financing Offers

Once lenders review your application, we help you compare financing offers based on:

  • Financing limit
  • Interest rate
  • Facility fees

Our Approach

Why Choose Ares Capital for Your Invoice Financing?

Extensive Lender Network

Our close relationships with SME bankers and alternative lenders allow us to compare multiple invoice financing options and negotiate competitive terms.

Strategic Pre-Assessment

Before submitting your application, we review your company’s financial profile and structure the application appropriately to improve approval outcomes.

Independent & Transparent Advisory

We focus solely on securing the most suitable financing option for your business, without unnecessary upselling. All applicable fees are disclosed clearly before proceeding.

Consideration Factors

Key Things to Know Before Applying for Invoice Financing

If your customers require 30 to 60 day payment terms, invoice financing allows you to receive funds earlier based on the value of issued invoices.

This helps businesses maintain healthy cash flow without waiting for customer payments.

Lenders typically assess:

  • Financial performance of the business
  • Creditworthiness of your customers
  • Invoice payment history

Traditional banks may take several weeks or months to approve and activate an invoice financing facility. Businesses often apply in advance to avoid unexpected cash flow disruptions.

Funds received from invoice financing can be used to support daily operations such as supplier payments, payroll, and inventory purchases.