Invoice Financing
Improve working capital and supplier trust — all in one solution.
What is Invoice Financing (Payables Financing)?
Invoice financing (also known as purchase invoice financing or reverse factoring) helps businesses pay their suppliers promptly by shifting payment obligations to a financial provider. Instead of paying suppliers directly, your company receives a financing facility to settle invoices, then repays the lender at a later date—typically with a small fee. Unlike sales invoice financing, this option benefits the buyer, not the supplier.
Why Singapore SMEs Use Payables Financing
Enhance Days Payable Outstanding (DPO)
Stretch your payment cycles without falling behind
Gain greater cashflow control
Align repayments to suit your business cycles, not your suppliers’ demands
Strengthen supplier relationships
Avoid late payments and maintain trust and reliability
Unlock early-payment discounts
Some suppliers offer perks in return for prompt payment, offsetting financing costs
Scale seamlessly as you grow
As procurement value increases, your financing facility grows with you
Mitigate supply chain risks
Robust capital flow ensures your operations aren’t crippled if suppliers face cashflow crunches
Access larger suppliers
It helps SMEs meet the payment terms demanded by bigger vendors without straining finances
Key Benefits
Access up to 90% of Invoice Value
Get quick capital from both domestic and international sales.
No Collateral Needed
Based on invoice value—not company assets or personal guarantees.
Quick Financing
Receive funds within 48 hours upon approval.
Flexible & Selective
Finance only the invoices you choose, with no long-term obligation.
Ideal for Growing Businesses
Perfect for startups or businesses with limited credit history.
Is Invoice Payables Financing Right for You?
- Pay suppliers fast but face liquidity limitations.
- Aim to tap early-payment discounts.
- Want to support fast growth without straining cash.
- Prefer flexible, on-demand working capital to fixed-term loans.
How Does It Work?
At Aprove Asia, we connect you with the right financing partners who offer invoice payables financing that fits your business needs. By working with a panel of trusted financing providers, we ensure you get access to competitive rates, fast processing, and a seamless experience tailored to Singapore SMEs.
Submit Your
Invoices
Provide your supplier’s invoice to a financing provider.
Supplier Gets Paid
Promptly
The financing provider pays your supplier on your behalf.
Extended Credit
Terms
Enjoy deferred payment terms—usually 30 to 120 days.
Repay the Financing
Provider
Settle the amount later with a small financing fee.
Additional Information
The information provided on this page is for general information and/or discussion purposes only and does not constitute financial, legal, or professional advice. Before making any business or financing decisions, you are strongly advised to consult with qualified independent advisors.
While every effort has been made to ensure the accuracy of the information presented, Aprove Asia makes no representation or warranty, express or implied, as to its completeness, accuracy, or suitability for any purpose. The content is subject to change without prior notice, and Aprove Asia is under no obligation to update or correct any information that may become outdated or inaccurate.
Aprove Asia shall not be held liable for any loss or damage arising directly or indirectly from the use of or reliance on the information provided herein. Any references to specific companies, financing products, or service providers are for illustrative purposes only and do not constitute an endorsement or recommendation.
Ready to Unlock Your Cash Flow?
Invoice financing is the fast, flexible solution your business needs.