Free up more cash on hand, just like that
Fully utilise your credit card lines and free up cash. Optimise your working capital by shifting payments onto your cards.
![Illustration of woman holding credit card and wallet, enjoying cash flowing freely](https://www.cardup.co/hubfs/Benefits-Working%20Capital-1.png)
Thousands of businesses are already using CardUp to optimise cash flow
"With CardUp, I’m able to minimise cash flow gaps and keep my business running without disruption.'
![Profile image of Dr Chong, Managing Director, Aviation Virtual](https://www.cardup.co/hubfs/AV%20Photo.png)
Dr Chong
Managing Director | Aviation Virtual
"CardUp's unique platform helps optimise cash flow, especially in a small team to keep operations going smoothly."
![Paula's Choice Skincare logo](https://www.cardup.co/hubfs/Paulas%20Choice-2.png)
Jeremy Tan
Team Lead | Paula's Choice
"I'm now able to optimise working capital for my business at a flexible and affordable rate. It also helps us process our payments timely."
![Profile image of Nina Alag Sure, CEO of X0PA AI](https://www.cardup.co/hubfs/Nina.png)
Nina Alag Sure
CEO | X0PA AI
"A clear value-add is the ability to access interest-free credit - this has been pivotal in helping drive healthy working capital ratios."
![Profile image of Jerrold Quek, CEO of Far Ocean Group](https://www.cardup.co/hubfs/far-ocean-group-jerrold-round.png)
Jerrold Quek
Chief Operating Officer | Far Ocean Group
![Illustration of man holding invoice, with credit card helping to generate more cash into bank](https://www.cardup.co/hubfs/Rewards-%26-Working-Capital_Rewards-(2.-Earn-Cashback)-1.png)
How does using your card free up cash on hand?
Receive invoice
Sam receives an invoice from his supplier with a 30-day payment term
Pay recipient
He charges the invoice amount to his credit card via CardUp, and his supplier receives the payment on time via a bank transfer
Delay payment
His credit card statement arrives at the start of the next month, and is only due 30 days later. Sam pays off his statement when it is due, extending his invoice payment terms by up to 2 months, interest-free!
See your cost of financing when you use CardUp
CardUp provides the fastest and most convenient financing solution to free up cash at a low cost. See how we compare against other popular financing options such as loans, overdrafts and more.
![Comparison chart on different cost of financing: CardUp, Working Capital loan, business term loan, Unsecured overdraft, Invoice factoring, Moneylenders](https://www.cardup.co/hubfs/1.85%25-Working-capital-calculator.png)
CardUp supports cards from all major banks and issuers
![American Express logo](https://www.cardup.co/hubfs/card%20logos/AMEX_1600x1600%20-%202019.png)
![Bank of China Logo](https://www.cardup.co/hubfs/BOC%20Logo.png)
![CIMB Logo](https://www.cardup.co/hubfs/CIMB%20Logo-cropp.png)
![Citibank Logo](https://www.cardup.co/hubfs/Citibank%20Logo.png)
![DBS Logo](https://www.cardup.co/hubfs/DBS%20Logo.png)
![HSBC Logo](https://www.cardup.co/hubfs/HSBC%20Logo.png)
![Maybank Logo](https://www.cardup.co/hubfs/Maybank%20Logo.png)
![OCBC Logo](https://www.cardup.co/hubfs/OCBC%20Logo-cropp.png)
![POSB Logo](https://www.cardup.co/hubfs/POSB%20Logo.png)
![Standard Chartered Logo](https://www.cardup.co/hubfs/SCB%20Logo-cropp.png)
![UOB Logo](https://www.cardup.co/hubfs/UOB%20Logo.png)
![Grab Logo](https://www.cardup.co/hubfs/Grab%20Logo-short.png)
Have questions about freeing up cash flow CardUp?
How does using my credit card free up my cash flow for 2 months?
When you use a credit card to make a payment, your recipient still gets paid on time, while you defer the actual outflow of your cash until your card bill is due. This lets you gain up to two months of extended payment terms.
What business payments can I make with CardUp?
Our platform lets you shift payments currently made by cash, cheque or bank transfers onto your credit cards, even where cards are not accepted. These include payments such as payroll, supplier invoices (including business services), rent, corporate taxes and more.
You can view the full list of accepted payments here.
What fees do CardUp charge?
CardUp charges a processing fee starting from just 1.3% for your business payments.
Our fee covers the processing costs to the card-issuing banks and network providers for each transaction made. The fee also ensures our platform remains secure for your everyday use.
![Business woman on business call while holding credit card](https://www.cardup.co/hubfs/Website-working-capital-endCTA.png)
Optimise your working capital today
Join the thousands of business who are fully utilising their credit card lines with CardUp
More than just about freeing up cash
![Illustration of woman holding gift box filled with cash and plane tickets](https://www.cardup.co/hubfs/Benefits-Rewards.png)
![Illustration of business man relaxing as he saves time from digitising his payment process](https://www.cardup.co/hubfs/Benefits-Digitisation.png)