Choco Up X Instarem: Making SME Growth Seamless – Payments, FX, and Funding in One

Expertise

Company

Instarem (under Nium), a cross-border payments powerhouse, helps SMEs move money internationally up to 12x faster than banks with competitive FX rates and real-time tracking. As Choco Up’s partner, Instarem embeds growth financing directly into its platform, serving digital-first businesses in Singapore and Australia.

Challenges

Cross-Border Growth Needs More Than Just Payments

SMEs using Instarem for FX and payments often hit cash flow walls when scaling:

Inventory buys, marketing campaigns, and supplier payments require upfront capital that ties up working funds.
Traditional loans demand collateral and delay decisions, clashing with fast-moving international trade.
Fragmented tools mean juggling separate platforms for payments, FX, and financing—slowing momentum.

Our solution

Embedded Financing Inside the Instarem Portal

Choco Up integrated funding into Instarem’s Business portal, letting eligible SMEs apply for up to US$1M directly—no new logins, no collateral, just KYB docs and transaction history.

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Clients can:

Access non-dilutive capital in 2 business days, disbursed to their Instarem or bank account.
Fund inventory, supplier terms, or expansion right after a payment or FX transaction.
Scale cross-border commerce with payments + financing in one seamless flow.

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Choco Up X Instarem: Making SME Growth Seamless – Payments, FX, and Funding in One

Our impact

From Payments to Full-Scale Growth

The Instarem x Choco Up partnership turns a payments tool into a growth engine: SMEs collect, convert FX, and capitalise instantly, unlocking US$1M+ capital for intra-regional trade booming. Businesses stay in control, act at the point of need, and grow without equity dilution or friction.

Explore

See other success stories

Preface

Choco Up X Instarem: Making SME Growth Seamless – Payments, FX, and Funding in One

Expertise

Company

Challenges

Cross-Border Growth Needs More Than Just Payments

Our solution

Embedded Financing Inside the Instarem Portal

Our impact

From Payments to Full-Scale Growth

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