Convert your invoices into funds of up to S$1M
Invoice Financing by GXS Capital turns your unpaid invoices into valuable cash flow for your business.
Now serving Pte Ltd companies
GXS Capital is a wholly owned subsidiary of GXS Bank
Now serving Pte Ltd companies
Turn your invoices into immediate cash flow.
Skip the wait of accounts receivables and receive funds with your invoices.
Advance up to S$1,000,000.
Receive a maximum of 80% of your invoice amount.
Affordable interest rates from 1% per month (EIR 12.67% p.a.)1.
Take care of your cashflow needs with competitive interest rates and big loan limits.
Fast & hassle-free.
Get loan approval and disbursement in 1 working day.
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Now serving all Sole Proprietors and Pte. Ltd.
Got questions?
We got answers.
What are the eligibility criteria or requirements for Invoice Financing?
At GXS Capital, only Singapore private limited companies registered with ACRA can apply for invoice financing. The invoice financing loan approval outcome will depend on the assessment of our credit and risk teams. To benefit from invoice financing, it’s essential that your business should be offering up to 120 days payment terms.
What documents are required to apply for Invoice Financing?
For Disclosed Invoice Financing:
- CBS of guarantor(s)
For Non Disclosed Invoice Financing:
- 2-year Financial Statements
- 6-month Bank Statements
- CBS of guarator(s)
- GST F5
- GST SOA
- MLCB of guarantor(s)
*Documents required for credit assessment only. KYC documents for onboarding to be submitted after approval.
How does Invoice Financing work?
After invoicing their buyers, SMEs can submit their verified accounts receivables to GXS Capital when they apply for our invoice financing. Once approved, GXS Capital then disburses up to 80% of the invoice amount to the SME. After the buyer makes payment to GXS Capital on the invoice due date, we will send the SME the balance amount, minus interest payable.
How much funding can I get?
You could get up to S$1 million, a maximum of 80% of your invoice amount when you apply for invoice financing from GXS Capital. However, loan amount, interest rates and disbursement fee for any finance or loan request may vary and are subject to assessment by GXS Capital. Please reach out to our professionals to get a more accurate quote.
Willl suppliers or debtors be aware that my business is getting financing from Validus?
Disclosed invoice financing, or invoice factoring, is a transparent arrangement between the business, the invoice financing loan provider (the invoice factoring company), and the business’s client. In a disclosed arrangement, the business’s customers are informed about the financing arrangement, and they channel their payments directly to GXS Capital (the invoice factoring provider).
For undisclosed invoice financing, suppliers or debtors will typically not be aware that your business is obtaining financing from GXS Capital, or any other invoice financing provider unless you, as a business owner, choose to disclose this information to them.
GXS Capital operates under the legal entity Validus Capital Pte. Ltd. (UEN 201530032R), which holds a Capital Markets Services license for dealing in Capital Markets Products which are securities, issued by the Monetary Authority of Singapore. Validus Capital Pte. Ltd. is a wholly-owned subsidiary of GXS Bank Pte. Ltd (UEN 202005626H).
1 Effective Interest Rate (EIR) is calculated based on an average loan amount of S$500,000 with a 4-month repayment period, from 1 Jan 2025 to 1 May 2025.
For Terms and Conditions, click here.
