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Invoice Finance Characteristics

Scalable Portfolio

Capata has existing relationships with more than 5,000 suppliers in Singapore and Malaysia with full visibility to their combined SGD 5 billion+ recurring annual sales to large established supermarkets and pharmacies.

Verified Invoices

Invoices financed by Capata have gone through 3-way digital matching of a) Purchase Order b) Goods receipt Note or equivalent and c) Invoice to confirm authenticity and validity of claim.

Short Tenor & Self Liquidating

The receivable assets have tenors between 30-180 days with self-liquidation features as payments from retailer-buyers are captured immediately for repayment of relevant outstanding invoice(s)

Cash Control

Capata has a partner bank that would open a dedicated collection account under each of the supplier's name at the time of onboarding. This account charged to Capata will collect all payments from buyers of invoices financed for repayment to Capata.

Social Impact

Capata supports SMEs to promote financial inclusion for those suppliers who are un-banked or under banked. Capata would also incorporate ESG considerations whenever feasible.

Data based Processes

Portfolio is constructed with proprietary first-hand data, refined by in-house analytics, assessed through data underwriting, combined for batch processing and reconciled daily to capture exceptions.

Resilient and Stable Industry

Capata invoice finance assets are linked to real underlying goods procurement by large established supermarkets and pharmacies. These are staple consumables have proven resilient during market downturns.

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.