Instarem
Choco Up X Instarem: Making SME Growth Seamless – Payments, FX, and Funding in One
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Houze is a Singapore-based home & living brand offering a curated range of furniture, décor, storage solutions, and lifestyle essentials designed to make modern homes more functional and stylish. With a customer-first approach and a broad product assortment, Houze serves homeowners looking for quality, convenience, and good design.
As a home & living brand, Houze faced the classic retail challenge: strong sales opportunities, but significant upfront cash needs to capture them.
Like many retail businesses, growth required inventory investment before revenue could fully come in.
Choco Up provided flexible growth funding backed by Houze’s sales performance, giving the business fast access to working capital without the need for traditional collateral.
This enabled Houze to:
From Local Growth to Regional Expansion
Beyond financing support, Choco Up also introduced Houze to a wider retail community, connecting Brien, the Founder, with other like-minded founders. These valuable relationships gave him new perspectives and support as he navigated the expansion journey. With this stronger network and foundation in place, Houze is now planning to expand into Thailand, the Philippines, and Vietnam, with further regional growth ahead.
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