Fuel your growth with flexible financing

We help businesses of all sizes access flexible and fast startup funding and sales-based financing, essential for growth.

A beautiful woman smiling in her office as she is on the phone, and business is going well
Free up cash flow
Simple fee structure
Flexible use of funds
USD 1bn+
Total GMV Funded
100% Yours
No Equity, No Strings Attached
1000+
Funding Rounds

Connecting you with capital that works for you

Guiding your growth
Get personalized support from our experts to reach your business goals.
Flexible funding, tailored to you
Obtain financing tailored to suit your business.
Instant funds, zero fuss
Get the funds you need without the headache or complications.
Your funds, your rules.

Explore our range of flexible financing solutions

Our flexible financing solutions help fund startups and small businesses so that they can focus on innovation and growth to scale their business with confidence.

Uplift

Buy now, pay later

Make purchases from businesses without paying upfront. We cover the initial payment, and you pay later. This is ideal for retailers seeking flexible payment options.

Learn more

Upstart

Get up to $100,000

Manage your everyday needs or explore growth opportunities. Upstart offers funding under $100,000 without requiring any stake. Ideal for small investments and short-term projects.

Learn more

Upstart Plus

Grow big with funding over $100,000

Take your business to the next level by investing in expansion or growth. Upstart Plus offers you funding over $100,000 to get started.

Learn more

Upfront

Convert outstanding bills to cash

Use your unpaid bills to unlock cash flow. Perfect for businesses that need steady cash flow to pay bills, restock or grow.

Learn more

How it works

Get funding in a few steps

Uncover growth with us: flexible terms, fast funds, and expert guidance.

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  • 01

    Check for eligibility

    To access funding, your business must meet these requirements:

    • Incorporated in Australia, Hong Kong, Malaysia and Singapore.
    • Minimum of 6-12 months revenue history.
    • Average monthly revenue of USD10k
  • 02

    Connect with your account manager

    Connect with your dedicated manager to discuss your financing options and tailor a solution that works for you.

  • 03

    Receive an indicative offer amount

    Receive an indicative offer with preferred structure and then discuss terms with your account manager.

  • 04

    Get your working capital

    Upon approval, the funds will be transferred to your account, allowing you to immediately utilise them for business growth.

This month
+60%
A man smiling to his colleague while having a discussion at the office.
This month
+78%

Financing that fits — tailored for every business

Discover the ideal financing solution for your growing business with Choco Up.

Our revenue-based financing options are designed to meet your specific needs. Whether you're aiming to expand your reach or scale your operations, we have tailored solutions that provide the capital you need to support your growth journey, every step of the way.

  • Healthier cash flow

    Our financing options alleviate the strain on your cash flow, allowing you to allocate funds to essential business activities.

  • Fit for every size

    Whether you're a growing retailer, a dynamic startup, or an established brand, we have the perfect funding fit for you.

  • Seamless integration

    Our funding options seamlessly integrate into your business operations.

  • Fuelling your growth

    Our financing options empower you to reach new heights and scale your operations confidently.

    Find your fit
    Calculate your potential business growth
Dashboard comparing total sales of a company of the previous month and the current monthDashboard comparing total sales of a company of the previous month and the current month

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Grow your business with Choco Up

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