Invoice Financing
Get cash early against unpaid invoices instead of waiting 30 to 90 days for customers to pay.
Maximum amount
Varies by provider — contact us for an assessment
Indicative rate
Varies by provider — contact us for an assessment
Maximum tenure
Varies by provider — contact us for an assessment
Processing time
Varies by provider
These figures are a guide only. The actual amount, rate, tenure, fees and approval depend on the provider and your situation.
01
What can it be used for?
02
What does it cost?
Provider interest and charges
Check whether the rate is annual or monthly, flat or reducing-balance, and whether repayments include principal. EIR, where published, is separate from the advertised rate. Allow for processing, upfront, annual, legal, valuation and early-settlement charges where applicable.
Loura service fee
Separate from provider charges; no fee is assumed in the estimate. Your adviser confirms whether a Loura fee applies and its amount before you decide to proceed. All provider charges must be confirmed in the offer.
Invoice Financing Calculator
Estimate funding against eligible unpaid invoices.
Illustrative advance rate
Financing period (days)
Fee basis
- Estimated net amount received
- S$376,000
- Estimated advance (80%)
- S$400,000
- Estimated fees (90 days)
- S$24,000
- Reserve retained before settlement
- S$100,000
Fees are calculated on the advance, not the invoice face value; the reserve is not an additional advance. Final settlement depends on collection and provider terms.
Illustrative advance amounts (before fees)
| Invoice | 50% | 70% | 80% | 90% |
|---|---|---|---|---|
| S$100,000 | S$50,000 | S$70,000 | S$80,000 | S$90,000 |
| S$300,000 | S$150,000 | S$210,000 | S$240,000 | S$270,000 |
| S$500,000 | S$250,000 | S$350,000 | S$400,000 | S$450,000 |
Illustrative estimate only, using illustrative example figures (amounts, rates, LTV and fees) — not verified provider offers, a loan offer or approval. Actual rates, fees, LTV, tenure and approval depend on the financing provider and your assessment. Provider, legal, valuation and other fees are excluded unless shown. Any Loura service fee is separate and disclosed before you decide to proceed.
03
Who may qualify?
- Quality of your customers
- Invoice amounts and payment terms
- Your collection history
04
Documents
No documents are needed for the initial enquiry.
- ACRA business profile
- Latest 6 months of business bank statements
- Latest financial statements or management accounts
- Directors' NRIC and latest Notice of Assessment
- Outstanding invoices and debtor ageing list
Additional documents may be requested by the financing provider depending on your case.
05
How it works
- 1Tell us what you need
- 2We look at your situation
- 3We explain the options that may suit you
- 4You decide whether to go ahead
06
Provider options
We only show providers whose information we have checked on their official website. Being listed here does not mean a provider partners with or endorses Loura.
Varies by provider — contact us for an assessment. No verified product offer is currently listed; rates, amounts and terms are not assumed.
Current indicative information. Terms, rates, fees and eligibility may change and are subject to provider assessment.
07
Frequently asked questions
How does invoice financing work?
A provider advances part of the value of your unpaid invoices, so you receive cash now instead of waiting 30 to 90 days. When your customer pays, the advance is settled and the provider deducts its charges.
Will my customer know?
It depends on the arrangement. With some facilities your customer pays the provider directly, so they will know. Others are confidential and your customer pays you as usual.
What makes an invoice suitable?
Providers prefer invoices issued to established businesses or government bodies, for work already completed, with clear payment terms and no disputes.
Do I need documents to enquire?
No. You can enquire without sending any documents. If you decide to go ahead, your adviser will tell you exactly which documents the provider needs, such as bank statements or financial statements.
What happens after I enquire?
A Loura adviser will contact you, usually by phone or WhatsApp, to understand what you need. We explain the options that may suit you, the likely costs and any Loura service fee. Nothing is sent to a provider without your instruction.