Loan services
Invoice Financing
Why Invoice Financing Matters for Growing Businesses
Many SMEs in Singapore face cash flow challenges not because of a lack of business, but because they’re waiting to be paid. Late payments or long credit terms from clients can slow down operations, delay growth, and create unnecessary financial stress.
With Invoice Financing, Avant Financing helps you convert unpaid invoices into immediate working capital — so you can stay focused on running and growing your business.
Expert Guidance
Tailored financial advice for your business needs.
Wide Access
Connect with multiple top lenders instantly.
Flexible Terms
Customizable loan options that suit you.
What is Invoice Financing?
Invoice Financing allows your business to borrow money against the value of outstanding invoices. Instead of waiting 30, 60, or even 90 days for clients to pay, you can get up to 90 percent of the invoice amount advanced upfront, and receive the remainder (minus a small fee) once the client settles the bill.
This solution is ideal for businesses that issue regular invoices and have strong customer relationships with payment history.
Common Use Cases for Invoice Financing
- Bridge cash flow gaps between billing and payment
- Fulfill large customer orders without upfront strain
- Manage operational costs and payroll during long payment cycles
- Support seasonal demand or inventory restocking
- Avoid taking on long-term debt for short-term needs
Who is Eligible?
We support businesses across multiple sectors such as logistics, wholesale trade, construction, manufacturing, services, and more. To qualify, your business should generally meet these criteria:
- Be a Singapore-registered entity
- Issue regular invoices to corporate or government clients
- Have a track record of timely client payments
- Minimum annual revenue of 100,000
Benefits of Invoice Financing Through Avant Financing
Tailored Financing Solutions
We assess your invoicing cycles and cash flow needs, then match you with the most suitable invoice financing providers in Singapore.
Quick Access to Cash
Receive funds within days of application approval, allowing you to pay suppliers, fulfill new orders, or manage payroll without delays.
No Collateral Needed
Unlike traditional loans, invoice financing is backed by your accounts receivable — not your business or personal assets.
Flexible and Scalable
The financing grows with your business. The more invoices you issue, the more working capital you can unlock.
Maintain Client Relationships
Your customers continue to pay you directly or through a financing partner, depending on the facility type, with full transparency.
How Avant Financing Supports You
We simplify the invoice financing process from start to finish.
- Initial Consultation – We understand your business model, cash flow gaps, and invoice terms.
- Lender Matching – We connect you with financing partners offering competitive rates and terms
- Application Support – We assist in preparing your documents and submitting applications
- Disbursement – We follow through until funds are in your business account