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Invoice Financing in Singapore: Compare Broker and Bank Routes

Compare Excellence brokerage with OCBC sales-invoice financing by eligibility, repayment and fees.

Researched 2026-10-25 · By Tendou

2 published options covered. This is a selected shortlist, not every provider in the market. Research method and limits.

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OptionPublished routeBefore committing
Excellence Singapore GroupLists invoice financing/factoring among its business-funding brokerage routes.Ask for the funding provider, advance/discount, recourse, debtor notice and written brokerage success fee; the broker is not itself established as the funder.
OCBC SingaporePublishes sales-invoice financing requiring an OCBC trade-finance credit facility.Published fee:0.25% of invoice amount,minimum S$100,plus interest. Confirm accepted invoices,advance,credit decision,loan repayment at maturity,recourse and any other charges; calculator figures are not an offer.

Choose by what you need

Identify the receivable, debtor and desired funding contract first. Excellence lists factoring/invoice-financing brokerage; the actual funding party and terms must be identified. OCBC publishes Sales Invoice Financing for businesses with an OCBC trade-finance credit facility, with loan repayment at maturity. Its stated fee is 0.25% of invoice amount, minimum S$100, with interest additional. This is not automatically a sale of the receivable or non-recourse factoring. Confirm eligible invoices, advance, debtor notification, collection, disputes, recourse and all costs; calculator figures are indicative, not a funding offer.

Shortlisted options

These options are listed alphabetically. Compare the selected offer and terms before committing; inclusion is not a quality ranking.

Excellence Singapore Group

Published source checked . Read the source.

Lists invoice financing/factoring among its business-funding brokerage routes.

Why consider it: The actual financing counterparty can be identified before accepting a broker arrangement.

May suit: Businesses seeking help placing an eligible receivable.

Before deciding: Ask for the funding provider, advance/discount, recourse, debtor notice and written brokerage success fee; the broker is not itself established as the funder.

Official website and enquiries ↗

OCBC Singapore

Published source checked . Read the source.

Publishes sales-invoice financing requiring an OCBC trade-finance credit facility.

Why consider it: The existing-facility condition and fee can be checked before an invoice application.

May suit: Eligible facility holders checking particular sales invoices.

Before deciding: Published fee:0.25% of invoice amount,minimum S$100,plus interest. Confirm accepted invoices,advance,credit decision,loan repayment at maturity,recourse and any other charges; calculator figures are not an offer.

Official website and enquiries ↗

Before booking or ordering

  • Which invoices and debtors qualify, and who supplies funding?
  • What advance, discount, other charges and debtor notification apply?
  • Who bears disputes, late payment and recourse obligations?

How this comparison was researched

We reviewed the linked primary pages on the research date. We did not visit, receive services, buy products, apply for finance or make bookings. This records published scope and enquiry terms; it does not assess service quality or promise outcomes or availability. Confirm the selected arrangement and complete current charges directly.

How this guide was researched

Options are listed alphabetically, not ranked. No business paid for editorial inclusion. Known Tendou client relationships are disclosed. Confirm the selected product, visit or contract directly.

Sources

  1. Private Business Loan Brokers in Singapore | Excellence SG (Official operator, responsible venue or public-body page, checked 2026-10-25): https://www.excellencesg.com/corporate-funding/business-loan
  2. Invoice Financing (Sales) | OCBC Business Banking SG (Official bank product page, checked 2026-10-25): https://www.ocbc.com/business-banking/smes/trade/invoice-financing-sales

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