Trade & invoice financing
Trade, Purchase Order and Invoice Financing
If your customers pay in 60 to 90 days but your suppliers want 30, the gap is a financing problem, not a sales problem. These facilities are assessed on the quality of your counterparties as much as your own accounts.
Sized to what the business can service
- Indicative amount
- Varies by provider — contact us for an assessment
- Interest / fee structure
- Varies by provider — contact us for an assessment
- Repayment tenure
- Varies by provider — contact us for an assessment
- Processing time
- Varies by provider — contact us for an assessment
Amounts and terms depend on eligibility and provider assessment. Response time is not approval time; no approval date is promised.
Where this facility fits
We start with the commercial problem you are solving, not with a product name.
Invoice and receivables financing
Advance against approved invoices issued to creditworthy customers.
Purchase order financing
Funding to fulfil a confirmed order you would otherwise have to decline.
Import and supplier payment
Letters of credit and trust receipts covering the shipping and clearance cycle.
Export financing
Support for longer overseas settlement terms and documentary requirements.
Contract and progress-claim funding
Bridging certified claims in construction and project work.
Managing a few big customers
Structuring around a small number of large customers, with that risk priced in.
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.
Typically suited to
- Quality of your customers
- Invoice amounts and payment terms
- Your collection history
What we will need to assess it properly
No documents are required for the initial enquiry. Additional documents may be requested later.
- 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
Receivables facilities are offered by banks and by specialist private funders, and they look at your customer mix very differently. Read how the three financing routes differ.
Questions business owners ask
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.
Bank said no?
A bank decline doesn’t always mean you’re out of options.
Every financing situation is different. Loura helps you understand which financing route may be suitable for your business or property — and what information lenders may need to assess your case.
- Explore different financing routes
- Understand your options before submitting
- Speak with an adviser about the next step
Loura is an advisory firm. Any financing remains subject to the relevant provider’s own assessment and criteria.
Not sure where to start?
Loura helps you identify the financing route that best matches what you are trying to achieve.
You may benefit from speaking with us if:
- You need financing for a business
- You are looking for working capital or expansion funding
- You are considering refinancing existing facilities
- You need property-backed financing
- You want to understand different financing options before applying
You may need a different solution if:
- You are looking for a purely personal loan
- Your business has not started operating
- You are looking for financing outside our available routes
This is a general guide, not an eligibility decision. If you are unsure, ask us.
Questions people ask
Will applying through Loura affect my credit record?
Speaking with us does not. A credit record is affected when a provider carries out its own checks, which only happens after you confirm a submission. That is one reason we assess your position first.
Can I approach Loura if my bank has declined my application?
Yes. A decline from one provider does not mean every route is closed. We look at why it happened and whether another structure or provider type is a realistic fit.
What types of business financing can Loura help with?
Working capital, expansion, refinancing of existing facilities, property-backed financing, trade and invoice financing, equipment and asset financing, and project or renovation financing.
Can I use property as security for financing?
In many cases, yes. Property-backed financing depends on the property type, ownership, existing mortgage and the provider's own valuation and criteria.
Can I refinance existing business or property financing?
Refinancing is one of the routes we assess. We look at your current facilities, lock-in position and repayment profile before recommending anything.
How much information do I need to provide initially?
Only enough to understand your position — typically your contact details, what the financing is for, and a broad sense of your business or property. Full documents come later, once a route makes sense.
Do I have to accept an offer if one is available?
No. You are free to decline any option presented. Nothing is binding until you sign with a provider directly.
Will my information be submitted to a lender immediately?
No. Nothing is sent to any provider without your explicit instruction. You see and approve the shortlist first.
Talk through your financing position
A Loura consultant will review your position and tell you plainly what is realistic before anything is submitted anywhere.