What OCBC offers
OCBC SME banking offers invoice financing as part of a broader working-capital and trade-finance product set. The bank pairs the facility with its OCBC Velocity digital banking platform, which gives SMEs a single dashboard for accounts, payments, FX and credit lines.
OCBC's strength sits in its deep SG SME franchise — long-standing relationships, regional ASEAN reach (Bank of Singapore, OCBC Malaysia, OCBC Hong Kong), and a credit team that knows the local SME landscape well.
Who OCBC invoice financing suits
- · SG SMEs with annual revenue of SGD 2m+ (Band 3 on our SME revenue map)
- · 2+ years trading history and management or audited accounts
- · Existing or new OCBC SME banking relationship
- · SMEs with multi-country debtor flows that benefit from OCBC's regional network
- · Comfortable with a 4–8 week facility-setup cycle
How to apply
Direct with OCBC
Apply through the official OCBC SME page; your enquiry routes to an OCBC SME relationship manager.
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Get a shortlistCommon OCBC invoice-financing questions
Does OCBC offer invoice financing in Singapore?
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Yes — OCBC SME banking offers invoice financing alongside business loans, trade finance and supply-chain finance. The product is typically sold through OCBC SME relationship managers and integrated into the OCBC Velocity business banking platform.
Who qualifies for OCBC invoice financing?
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Typically Singapore-incorporated SMEs with annual revenue of SGD 2m+, 2+ years trading and a banking relationship with OCBC. The OCBC SME team underwrites case-by-case, weighing debtor profile, industry and the SME's broader credit standing.
How long does OCBC invoice-financing approval take?
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Bank invoice-financing facility setup in Singapore typically takes 4–8 weeks. Once a facility is live, individual drawdowns are usually settled within 1–3 working days.