Fuel your DTC & retail growth without cash‑flow limits
Our funding solutions are made for direct‑to‑consumer and retail brands — flexible, fast, and equity‑free.
Whether you’re launching new products, capturing seasonal demands, or scaling marketing campaigns, Choco Up gives you the capital and confidence to grow without cash‑flow stress.
Our options on retail business and direct-to-consumer financing provide fast access to capital (up to $1.5 million), with flexible repayments that move with your sales.
Secure the capital you need to stock up ahead of demand spikes, keep shelves full, and maintain consistent product availability.
Use fast, flexible funding to ramp up marketing, expand into new channels, or launch seasonal promotions — exactly when your business needs it.
Grow your brand on your own terms. With Choco Up’s non‑dilutive funding, you retain 100% equity while unlocking growth capital at every stage.
Direct to Consumer, Retail Funding Challenges
Running a consumer brand means staying ahead of trends, managing supplier timelines, and balancing inventory with sales cycles.
Retail business financing for retail and DTC business can transform your growth journey. Our financing solutions are built to move at your pace when your direct-to-consumer or retail business needs it the most.
Bridge demand fluctuations
Get funds upfront to prepare for peak seasons, new product launches, or campaign bursts.
Stay in stock, ride the momentum, and never miss a sales opportunity.
Boost marketing &
customer acquisition
Fuel your paid ads, influencer partnerships, and creative content with flexible growth capital.
Invest in brand awareness now, repay later as revenue grows.
Stock up from suppliers
Secure funding to purchase inventory in larger volumes, enjoy bulk‑order discounts, and strengthen supplier relationships.
Increase margins, stabilise your supply chain, and keep more cash for growth.
Choco Up
Bank loans
Fast Approvals as quick as within hours
Access up to $1,500,000. No proposal needed.
Flexible repayment options that fit your business - weekly, monthly, or revenue-based
Enjoy financing terms of up to 12 months
Say goodbye to property pledges and asset guarantees
Zero equity dilution. Keep full control of your business.
- 01
Check Eligibility
Complete our quick eligibility form to see how we can support your retail or DTC business.
- 02
Sign Up & Connect
Set up your account, share basic business information, and securely link your sales or e‑commerce platforms. We’ll review your data and generate a tailored funding offer within 24 hours.
- 03
Review Offer & Get Funded
Select your preferred funding options. Once approved, receive capital quickly to power your next stage of growth.
for DTC & retail businesses?
Monthly revenue of
at least USD 10,000
Operating for more than 6 months
(For same‑day approval: ≥ 2 years trading history)
Registered business in Singapore, Hong Kong,
or Australia
Success Stories
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.
Grow your business with Choco Up
