Optimize your Cashflow
Get paid faster, access funding with ease & optimize your working capital today. Empower your business with our bespoke financing solutions designed for Small Medium Enterprises.
About Capata
Launched in 2024, our mission is empower SMEs by making financing accessible for both SMEs and institutional capital by leveraging transactional data and AI analytics to offer financing in real time.
How Does It Work?
Easy Application
Just a single click away to apply via our website. Simple process in your finger tips, no fuss, and no hassle.
Review your offer
Upon evaluating your application, we will issue you the Letter of Offer subject to Capata's internal credit approval. If you are agreeable, simply sign off the offer.
Disbursement
Once all necessary documents are executed, Capata will start disbursing funds against approved invoices submitted by you.
We have enabled companies to grow faster
Capata’s digital platform made financing refreshingly simple—no messy reconciliations or paperwork. Their competitive rates and scalable facility helped us strengthen our supply chain and grow with our F&B partners across the region.
Capata gave us fast, fuss-free access to working capital—without the high rates typical of other fintechs. As our payroll volume grew, they scaled with us, unlocking new opportunities without the usual banking roadblocks.
Capata was instrumental in our UK expansion. Their digital-first approach made cross-border financing effortless, and their flexible, affordable capital helped us meet the scale demands of major UK supermarkets without compromise.
Capata’s transactional revenue-based financing was a perfect fit. With no back-office headaches, cost-effective funding, and facilities that scale with our SaaS revenue, we can grow without diluting or depending on traditional credit lines.
Capata’s contractor financing gave us the edge in securing and delivering government infrastructure projects. Fast disbursement, fair rates, and a facility that grows with each contract — it’s the modern solution banks just can’t match.
Why choose Capata
A financing solution to boost your business cash flow
Cash flow is everything. It's what helps your business grow, pays your employees, and keeps the lights on. Outstanding invoices ties up your cash and slow down your operations. Our Invoice Financing solution helps you keep the cash flowing so you can focus on what you do best - running your business.
Customizable Structure without Collateral
Capata offers invoice financing facilities with customizable structures and terms tailored to your business profile and scaled to your business needs.
Flexible Repayment Options
We provide tenors from up to 180 days subject to the prevailing terms between your company and your buyer customers to best fit your business requirements.
Full Transparency
We will inform you of the costs and fees involved upfront, with no hidden fees for you to worry about. See our FAQs at the bottom for more information.
Easy Onboarding & Quick Application
Capata strives to make onboarding as straight-forward and fuss-free as possible. We have an online application that saves you the hassle of having to leave the comfort of home, or work.
Am I eligible for Accounts Receivable Financing?
Singapore registered company
Minimum 30% shareholding by a Singaporean Citizen or Permanent Resident Director
2 years minimum operating history
Estimate your invoice financing interest cost
Use the sliders below to view your estimated figures. Contact us for a personalised quote.
Loan Amount (SGD)
Payment Terms (i.e. Invoice Due Date)
The results from this calculator are for general guidance only and are based on the information you provide. They do not represent a guarantee of the rates you may be offered, nor a commitment to provide financing. Actual rates will depend on various factors, including our assessment of your risk profile. All financing is subject to Capata’s terms, conditions, disclaimers, and lending criteria, which may change from time to time.
How much you could get in advance?
$90,000
When invoices are paid?
$9,055
What are the amount you will pay?
$945
Frequently asked questions
- Invoice Financing offered by Capata involves selling your accounts receivable (unpaid invoices) to Capata at a discount in exchange for immediate cash. Unlike traditional loans, Capata offers a more flexible financing solution to purchase your receivables without requiring additional external collateral.
- Yes, in a majority of the cases, the Invoice Financing will be with recourse to the SME business and its owner(s). In practice, under normal conditions, the recourse or guarantee only comes into effect when there is a shortfall on a payment made by a relevant buyer on a batch of invoices.
- Payments made by your buyers will be paid into a dedicated collection account under your name (the supplier's name) but charged to Capata. For each batch of invoices financed, the applicable amounts owed to Capata will be deducted by Capata while the excess cash would be remitted back to your operating account.
- Latest 6 months bank statements
- Director(s) and Shareholder(s) NRIC or Passport and latest CBS report
- Additional documents may be required. This is determined on a case by case basis. Our team will reach out to you once your application is received.
- Fees for Capata Invoice Financing solution typically includes a fixed discount fee, which is a percentage deducted from the face value of your invoices. Other potential fees may include late fee and certain service charges. Capata offers competitive rates. Get in touch to discuss!
- Depending on the arrangement, your customers may or may not be notified. You should assume that your customers will be notified on the financing.