Accounts Payable Financing - Pay suppliers on time. Keep your cash flow flexible
Need to pay suppliers before your customers pay you?
Accounts Payable Financing helps businesses settle supplier invoices upfront while preserving working capital for operations, growth, and day-to-day expenses.
What is Accounts Payable Financing?
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Accounts Payable Financing is a short-term financing solution that helps your business pay supplier invoices without immediately using up your own cash.
Here’s how it works:
Choco Up pays your supplier 100% upfront on your behalf, and you repay the financing over an agreed term. This gives you more control over cash flow, helps you manage large purchases, and allows you to extend payment timing without delaying supplier payments.
No collateral, no equity dilution — just flexible supplier financing designed for growing businesses in Singapore.
Why does your business need Accounts Payable financing?
Preserve Cash for Operations
Keep your working capital available for payroll, marketing, inventory, and other business needs instead of tying it up in supplier payments.
Pay Suppliers on Time
Avoid late payment pressure and maintain strong supplier relationships by settling invoices promptly.
Capture Growth Opportunities
Buy more stock, take on bigger orders, and move quickly when new opportunities arise — without waiting for cash to free up.
Simple, Fast Funding
Zero collateral. Straightforward application. Faster processing so you can focus on running your business.
Who can benefit from Accounts Payable Financing
Wholesale, Import & Distribution
If you need to pay suppliers before you receive customer payments, AP Financing can help you bridge the gap and keep inventory moving.
Direct to Consumer, Retail
Fast and flexible funding provides the working capital to seize growth opportunities, keeping their business moving no matter the season.
Technology & Education
With the right funding, tech and education companies can upgrade digital infrastructure, innovate faster, and expand their offerings.
Health, Wellness & Lifestyle
Wellness businesses can invest in new facilities, equipment, and product development, enabling them to meet growing consumer demand.
Choco Up
Bank loans
How Accounts Payable Financing works
No matter what stage your business is in, maintaining steady cash flow is key to sustainable growth for every SME in Singapore.
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- 01
Submit Your Supplier Invoice
Upload the supplier invoice or supporting documents for review. We’ll assess your application and eligibility.
- 02
Receive Funding
Once approved, Choco Up pays 100% to your supplier upfront on your behalf.
- 03
Repay Over Time
You repay the financing over the agreed term, giving your business more flexibility to manage cash flow and working capital.
Are you eligible for Accounts Payable Financing?
Registered business in
Hong Kong, Singapore, Australia
Operating for more than 6 months
Holding verifiable invoices
Don't just take our word for it.
How Choco Up Helped Accelerate Primo Fightwear’s Mission to Grow Combat Sports Community
Primo is a lifestyle brand that blends streetwear, fashion, and the passion for Muay Thai. It crafts equipment and apparel by blending modern design with premium materials, and on a mission to enrich the Thai boxing community with distinctive products and meaningful partnerships.
Primo Fightwear was able to grow rapidly without burning out its resources. The funding allowed the team to focus on executing their vision while having the financial backing to support their expansion efforts.
Frequently Asked Questions
What is Accounts Payable Financing?
What documents are required to apply for Accounts Payable Financing?
Who is suitable for Accounts Payable Financing?
Grow your business with Choco Up
