Generate attractive returns of +15% per year*.
Help local SMEs grow their businesses.
Invest as little as S$100 per invoice in order to diversify your risk.
Choose which invoices you sell to us.
Receive timely and accurate information about fees and interest charges.
Receive your money within as short a period as a couple of days.
*Actual annual returns depend on investment strategy and may differ from the returns mentioned here.
In this set up, the SME is the Invoice Seller, while the Customer is the Invoice Debtor.
SME owner needs to pay suppliers and employees, but is currently tight on cash. Financing is needed before the due date of the invoice.
SmartFunding conducts extensive credit research on the SME. After passing the assessment, information on the invoice (e.g., interest rate, investment terms) is posted on SmartFunding's online investment platform.
Investors can invest in the invoice for as little as S$100. They can also look for other invoices available on SmartFunding's online investment platform, and invest in them.
SmartFunding credits investors' Wallets with their investment + interest earned.
The Invoice Seller (in this case, the SME) cab re-submit unpaid invoices to SmartFunding whenever the need for financing arises.