Manage supplier payments of up to S$1,000,000
Accounts Payable Financing lets you pay suppliers upfront, keeping your cash flow free for business priorities.
Now serving SMEs in Singapore
Now serving SMEs in Singapore
Pay your suppliers upfront, up to S$1M.
Get the funds to grow your inventory and seize new opportunities.
Secure 100% of your invoice value.
Paid directly to your local and overseas suppliers, hassle-free.
Competitive interest rates from 1% p.m.
Unlock your cash flow to focus on your business goals.
Flexible payment terms.
Pay on your schedule with up to 4 months of flexibility.
Fast Approval. No Collateral.
Get loan approval and disbursement in 1 working day.
How does Accounts Payable work?
To accommodate different business needs and customer relationships, GXS Capital offers two flexible underwriting modes—Disclosed and Non-Disclosed. This section explains how each option operates alongside an interactive calculator to help you estimate your cash advance and timing.
Disclosed Invoice Financing
Non-Disclosed Invoice Financing
Buyer Notification
Your buyer is formally notified of the invoice assignment to GXS Capital.
Confidential facility
Your buyer is not notified of the financing arrangement.
Payment Collection
Buyer pays 100% directly to GXS Capital on the due date.
Buyer pays your company directly
You remit the settlement to GXS Capital.
Documentation Pack
Minimal paperwork
Director Credit Bureau (CBS) report only.
Full financial pack
Bank statements, financial statements, and CBS report.
Best Used For
Fast approvals backed by strong corporate buyer credit profiles.
Maintaining private, unannounced financing workflows.
You order goods from your supplier.
Your supplier sends you the goods ordered and invoices you.
You share the invoice you want to finance with GXS Bank.
GXS Bank pays your supplier, 100% of the invoice value.
You pay the financed amount when your loan term is due.
You order goods from your supplier.
Your supplier sends you the goods ordered and invoices you.
You share the invoice you want to finance with GXS Bank.
GXS Bank pays your supplier, 100% of the invoice value.
You pay the financed amount when your loan term is due.
DY?
Now serving all Sole Proprietors and Pte. Ltd.
Got questions?
We got answers.
What is Accounts Payable Financing?
Accounts Payable is a loan product that provide businesses with access to additional funding to streamline their expenses and pay suppliers on time. This help businesses maintain steady cash flow, and fulfill their financial obligations without interruption.
How much funding can I access with Accounts Payable Financing?
You can access up to $1 million SGD in funding.
What expenses can be covered with Accounts Payable Financing?
This loan is designed specifically to help you pay your local and overseas suppliers, giving you the flexibility to manage both short-term and long-term business needs.
Can I use Accounts Payable Financing to pay overseas suppliers?
Yes, simply provide us the Bill of Lading (BIL) in addition to your invoices at the point of drawdown.
What are the documents needed for the loan?
- 2 year financial statements
- Last 6 months bank statements
- CBS of Directors
- GST F5
- Order Book or Ageing Report
*Additional documents may be required on a case-by-case basis
Need Assistance?
GXS Bank holds a banking license and is regulated by the Monetary Authority of Singapore. GXS Business Banking operates under GXS Bank to provide financial products and services to enterprises. GXS Bank is a separate entity and is not associated with the businesses of Grab, Singtel, or their entities.
Approval of your application for GXS Business Banking products and services is subject to the receipt of all supporting documents, review, and processing time. GXS Bank reserves the right to approve or reject applications without providing reasons. Late interest charges may apply for late repayment. Loans are subject to periodic review and may be cancelled at the discretion of GXS Bank.
Deposit Insurance Scheme: Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
Full Terms and conditions apply, please visit:
Business Account Terms here.
GXS FlexiLoan Biz Terms here.
Biz Ecosystem Terms - Grab here.
Biz Ecosystem Terms - Singtel here.
Terms and conditions governing GXS Business Banking Campaign here.
GXS SME terms and conditions, click here.
