e-Commerce funding for instant growth.

An achievable and all-round growth solution for your fast-growing e-Commerce business.
Fast and easy application
Just need 30 seconds to register for an account and get a preliminary offer in 5 minutes.
One flat fee
Calculate the cost of getting funded easily with just one flat fee from us.
Flexible repayment
Your only need to repay a percentage of your revenue. No pressure on your cash flow.

Our clients

Face challenges? Utilise your new funding

Here are some examples for the use of your funding. Your purpose of funding will not be limited by us.
Expand to other locations
Scale up marketing campaigns
Pay for your inventory

Exclusive partnership ecosystem for your growth

Get access to our all-rounded partnership network to accelerate your growth.

We are known for flexibility

Flexible use of capital
You can use the funding without any limitation. Enjoy the freedom that other financing methods cannot give you.
Flexible resources
Your funding plan will be tailored to your needs. Get the best use out of your new funding with us.
Flexible repayment
Your repayment is not fixed every month but calculated based on your sales performance. No pressure on your cash flow.

Flexible repayment

Monthly revenue
*All number shown are example

Choco Up v.s. Bank Loans

choco up logo
Fully online
Within 2-3 weeks
Process time
> 6 months
Operating time
Due Diligence
Bank loans
Online + in-person
Over 3 months
Process time
> 2 years
Operating time
Due Diligence

How to get funded?

1. Sign up and connect platforms
Sign up in just 30 seconds and connect to your e-commerce platform or other analytics tools.
2. Verify your business details and get offers
Submit documents for verifying your business and get offers in 5 minutes.
3. Sign contract and get funded!
After reviewing your details, we will draft you a contract and offer you the funding once you signed.
Who can apply?
Online merchants who sell products
Monthly sales >USD 10,000
> 6 months operating history

Truly a milestone for CE Brands, and we look forward to working with the Choco team and benefiting from their value-add and expertise, especially in SEA markets like Vietnam.

Craig Smith

Choco-Up is a game changer. They gave us the most founder-friendly and flexible financing option which allows us to restructure our business model and accelerate our growth.

Rosaline Chow Koo
CXA Group

Frequently Asked Questions

Can I receive more funding?

Since we are for founders, by founders, we want to stick with you throughout your entire business lifecycle. This means when you grow, we want to grow with you.

We have made it even easier now to receive additional funding when you need it most.

Your Choco Up advance is a one-time advance of funds available to you to grow your business. As you draw closer to spending the entirety of your advance you may need more capital. A top up is a brand new advance of funds that takes into account your recent business growth, as well as any outstanding balance. This means that when you take a top-up, your previous remaining balance will be rolled into the new advance, so you can receive more funding while still paying for your previous advance.

Where can I find help with my advance?

Our success team is standing by to help you with anything that may arise during your time with Choco Up. You can reach us by phone or email. We also have our blog full of articles, videos and how-tos. Additionally, our post-investment relationship managers are professionally trained to handle your account.

Is my data safe?

All information you share with Choco Up is secured during transport and at rest. We are committed to protecting your data with military grade encryption (RSA-4096 and AES-256). We also limit what we have access to. We can never see your login information for any of your connected accounts, we only have “read” level access to the data you share with us – in other words, we are never able to change or modify in any way your shared data. We have securely connected more than 25,000 customer data sources.

How does payment work?

Payments begin as soon as your advance is active and have no correlation to your spending. Payments are automatically debited from your bank account and are a percentage of your revenues from your connected sales accounts. This percentage is predetermined when you select your funding offer and will remain consistent throughout your advance. The frequency of payment depends on which product you are using and which sales platforms you sell on.

Are there any fees?

Choco Up fees have no periodic nor compounding interest so you will know exactly how much you are paying up front before you accept the offer and that fee will never increase throughout the repayment process.

Why do I need to connect my sales accounts?

We take the bias out of traditional funding using a data-driven approach to generate funding offers. No pitches, no stress, our offers are built purely on your successes. We use your sales data to determine your funding offers in order for you to get funded.

What is the application process?

It’s easy!

First fill out the application form linked above for your product of choice and connect your sales and marketing accounts. We use this data to determine your funding offers and eligibility. If you are eligible for funding you will be asked to attend an exploratory meeting with one of our investment managers.

Once terms have been discussed, you will be guided to sign your contract, fill in your business details and connect your bank account. After a short review by our diligence team, your funds will be available to you to spend.

How do I qualify for funding?

We are sector agnostic and provide funding to any types of businesses. Our minimum eligibility criteria includes: 6+ months of company operating history and revenue greater than USD 10k/month.

Am I getting a loan?

Choco Up does not give out loans.

We use a unique revenue share model in order to fund our partners. We do not require equity. Our flexible repayment scheme means that there is no additional interest accrued.

How long does it take to get funded

Indicative term sheets can be given out in as fast as 48 hours. You will receive funding within 24 hours of agreeing to the set terms.

How much funding can I get?

How much funding you get is decided by our proprietary data-driven risk management technologies and algorithms.

The decision is based on multiple factors related to your unit economics, monthly revenue, and monthly transaction rate.

Feel queasy about robots? No worries! Each decision is thoroughly reviewed by risk management experts before indicative term sheets are finalized.

Ready to scale your business faster?

Choco up invests from $10K to $5M USD on a revenue share model. We'll simply take a fixed percentage of your sales until we have recouped the capital + flat fee.