Financing in Singapore

Unlock Cash From Invoices

Commercial property financing allows businesses and investors to acquire or refinance office, retail, or industrial properties. With access to multiple banks and lenders, Ares Capital helps structure commercial property loans with competitive interest rates and financing terms tailored to your investment strategy.

Whether you are purchasing a new commercial property, refinancing an existing loan, or unlocking equity from your property, we guide you through the entire financing process.

Our Features

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 Features

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.

Our Features

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.

Questions & Answers

Frequently Asked Questions

How does invoice financing work?

You receive early payment on issued invoices instead of waiting 30–60 days for customer payment.

No. It is typically structured as receivables financing based on outstanding invoices.

Most B2B industries qualify, subject to creditworthiness of your buyers.

Once facility is approved and activated, funds may be disbursed within days of invoice submission.

Invoice financing is suitable for businesses with strong receivables but tight cash flow. Working capital loans may suit broader operational needs. We will help you to assess which facility fits best.