Take your Professional Services Business to the next level
Our flexible funding solutions are built for professional and B2B service providers, helping you manage cash flow, hire talent, and invest in growth — without giving up equity.
Whether you’re scaling client projects, expanding your team, or bridging payment cycles, Choco Up keeps your business moving forward.
Get working capital to bridge delayed client payments and keep your operations stable even during long billing cycles.
Access funds quickly to scale new projects, onboard clients faster, or invest in systems and marketing, without waiting for invoices to clear.
No collateral. No equity dilution. Choco Up empowers professional service providers to fund growth while retaining full control of their business.
Professional & Business Services, B2B Funding Challenges
We know what it’s like running a service‑based business — juggling multiple projects, managing billable hours, and waiting months for payments.
That’s why we’ve designed flexible financing that matches your cash flow, so you can stay focused on delivering great work.
Bridge long payment cycles
Receive upfront funding to cover salaries, suppliers, and project costs while waiting for client invoices to be paid.
Stay liquid, confident, and ready for the next opportunity.
Scale teams quickly
Secure funds to hire the right talent or contractors at the right time. No more turning down projects because of budget constraints.
Invest in systems & growth
Use funding to upgrade tools, improve efficiency, and invest in marketing or automation.
Lay the groundwork for long‑term growth without cash flow being a blocker.
Choco Up
Bank loans
Fast Approvals as quick as within hours
Access up to $1,200,000. 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 business.
- 02
Sign Up & Connect
Set up your account, share basic company information, and submit financial data. This helps us 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.
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
Instarem is a leading global payments platform that helps SMEs move money quickly and transparently across borders.
By partnering with Instarem, we embed Choco Up’s flexible growth funding into their SME payment journeys, so service businesses can smooth cash flow, bridge long payment terms, and invest in growth, right where they already manage their international transfers.
Together, we give SMEs a powerful combo: fast global payments plus access to working capital, all in a seamless experience.
Grow your business with Choco Up
