1. What we publish, and where it comes from
We publish a directory of SG invoice-finance providers — fintech lenders (Funding Societies, Validus, Aspire, Velotrade, Incomlend, Stenn International, Drip Capital, Helicap, Modifi), specialist factors (InvoiceInterchange, Bibby Financial Services SG, IFS Capital, GB Helios, Goldbell Financial Services) and bank SME teams (DBS, OCBC, UOB, RHB). For each provider we record:
- Product names (invoice financing, invoice factoring, invoice discounting, supply-chain finance)
- Eligibility signals — minimum annual revenue, eligible industries, geography, years trading
- Operational shape — disclosed vs confidential to debtor, recourse vs non-recourse, per-invoice vs facility
- Integrations — Xero, QuickBooks, MyInvois (IRAS), Myob, NetSuite
- KYC requirements at the SME and debtor level
- Indicative rate range — see section 2 for what this means
Every data point is sourced from the provider's own public marketing or product page, an MAS Financial Institutions Directory listing, or a public regulator filing. Each figure on the site carries a SourceChip linking to that source and a "verified" date.
2. What "indicative rate range" means
Invoice-financing pricing is per-deal. It is set after the lender has assessed your debtor's credit quality, your industry, the invoice size, your business's credit history, the debtor concentration in your book and whether the facility is recourse or non-recourse. No provider in Singapore publishes a binding rate card for invoice financing or factoring, because no such rate card can exist.
What you'll see on this site is an indicative range: typically the spread between the lowest published figure (often a "from" rate in marketing material) and the upper end implied by the provider's public terms or by independent SG SME-finance reporting. We label these "indicative" everywhere they appear and we attribute them to a source. We do not present a single "best rate" because no honest "best rate" exists for a product priced per-deal.
A worked example of a SourceChip in practice: Source: MAS Financial Institutions Directory ↗ — every rate range, fee or licensing claim on the site carries a chip like this and links to the underlying source.
3. What we will not claim
We will not publish:
- "Cheapest invoice financing in Singapore" rankings — per-deal pricing makes these claims meaningless and CPFTA-non-compliant.
- Fabricated ratings, review counts or "trusted by N+ SMEs" testimonials.
- Claims of MAS licensing, financial-adviser status or insurance-broker licensing about ourselves — we hold none of these.
- Specific contact emails for partner business-development staff unless we can verify them on a provider's public website. We use website contact forms and LinkedIn profile searches instead.
Two automated audits run before every site build (audit-sg-compliance and audit-fabricated-claims) to catch any drift from these rules.
4. How leads are routed, and how we get paid
When you complete the shortlist form, we forward your submitted details to up to three SG invoice-finance providers from our directory whose eligibility criteria match your industry, revenue band and funding amount. Each matched provider contacts you directly with indicative terms.
We are paid by providers either on a per-MQL basis or — preferably — as a revenue share on funded SME deals. We are never paid by you. We disclose this upfront because we think you should know the incentive structure.
We do not allow providers to pay for higher ranking on the directory or for inclusion in head-term comparison pages. The provider list reflects the SG market, not the providers willing to pay us most.
5. Corrections + updates
Found something we got wrong? Email hello@invoicefinancing.sg with the page URL and the source you'd cite. We aim to publish a correction within five working days, and we re-verify the entire provider directory on a rolling quarterly cycle.