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 worked with thousands of amazing people
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.
We needed financing that moved at the speed of retail—and Capata delivered. Their seamless digital platform, institutional-grade rates, and ability to grow with our import volumes gave us the confidence to serve top supermarkets consistently.
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 30 to180 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
Adjust the sliders below to see your estimated figures. Get in touch for a customised quote
Loan Amount (SGD)
Payment Terms (i.e. Invoice Due Date)
The figures generated by this calculator are intended as a guide only, based on the information that you provide. This shall not, and is not intended to, constitute a commitment that rates offered to you will necessarily be better than those generated by the calculator, and, in particular, is not a commitment to provide any financing. Rates will be determined according to, among other things, our analysis of your risk profile. Any financing is subject to such terms and conditions, disclaimers and lending criteria as may be set by Capata from time to time.
How much you could advance now
$90,000
Plus, when invoices paid
$9,055
What 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.