Am I eligible for PAYD?

You need to be a Singapore-incorporated Pte Ltd, LLP or LLC, with invoices on credit terms that have not yet lapsed, ideally with recurring payments from your buyers. We cannot proceed if the credit terms on the invoice have already lapsed.

Will my customers know I have used PAYD?

No. PAYD is non-notified, so your customers will not be aware that Poss has financed your invoices. You remain liable for the debt if your buyer does not pay, and Poss may seek remedies against the pledged receivables.

PAYD is repaid in three equal monthly instalments. There are no hidden fees and no early repayment penalties.

Can I finance the same invoice more than once?

Each invoice can be financed once, as the invoices you submit are pledged as security. You can submit multiple invoices from the same buyer.

PAYDInvoice financing

Turn unpaid invoices into working capital

Apply online in minutes. Credit decisioning within 48 hours. Funds disbursed within 24 hours once all conditions are met.¹

Apply now Learn more

Overview

Free up the cash your invoices are holding

PAYD is invoice financing from Poss Capital. Apply online in minutes for funding of up to S$100,000 or 80% of your invoice, repaid in three equal monthly instalments.¹

It is ideal for bridging cash-flow gaps and keeping day-to-day operations moving.

At a glance

Key facts

AmountUp to S$100,000 or up to 80% of your invoice²
Tenure3 months
RepaymentRepaid in 3 equal monthly instalments
FeeFactor fee from 1.2% per month²

Get paid without the wait

Draw funds against invoices you have already issued, instead of waiting out long payment terms, so you can cover suppliers, payroll and day-to-day costs.

Simple, predictable repayment

Repay in three equal monthly instalments, with fees shown upfront and no surprises.

How it works

From application to funds in four steps

Step 1

Apply

Apply online in minutes, up to S$100,000.³

Step 2

Decision

Credit decisioning within 48 hours.³

Step 3

Sign

Sign your loan agreement and set up eGIRO for automatic repayments.

Step 4

Funded

Funds disbursed within 24 hours once all conditions are met.³

Eligibility

Who can apply

You can apply if your business is a Singapore-incorporated Pte Ltd, LLP or LLC with at least 6 months of operating bank account history. PAYD is for newly issued invoices to business customers on 30, 60 or 90-day credit terms. A personal guarantee from key stakeholders is required. Sole proprietorships and partnerships are not eligible.

FAQ

About PAYD

Common questions about invoice financing

Also from Poss

Need funding that is not tied to an invoice?

QUIK is an unsecured short-term business loan, up to S$100,000, repaid over a tenure of up to 12 months, with no collateral required.²

Explore QUIK

Ready to get started?

Apply online in minutes, up to S$100,000.¹

Apply now

Important information

1. All timings are in working days and exclude weekends and public holidays. Credit decisioning within 48 hours starts once we receive a complete application. Funds are disbursed within 24 hours once all conditions are met, including a signed loan agreement, eGIRO set-up and any cheques required.↑

2. Final loan amount, rate, tenure and approval are subject to assessment and to the terms and conditions.↑

3. All timings are in working days and exclude weekends and public holidays. Credit decisioning within 48 hours starts once we receive a complete application. Funds are disbursed within 24 hours once all conditions are met, including a signed loan agreement, eGIRO set-up and any cheques required. Final loan amount, rate, tenure and approval are subject to assessment and to the terms and conditions.↑