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Improve cash flow without taking on a loan

Free up working capital by paying business expenses more flexibly, collecting smoother, and extending payment runway with your existing credit.

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Trusted by thousands of businesses across Singapore

"With CardUp, I’m able to minimise cash flow gaps and keep my business running without disruption.'

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Dr Chong
Managing Director | Aviation Virtual

"CardUp's unique platform helps optimise cash flow, especially in a small team to keep operations going smoothly."

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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."

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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."

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Jerrold Quek
Chief Operating Officer | Far Ocean Group

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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, but wants to keep cash available for daily operations

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

Unlock savings

If early payment discounts* are available, Sam can pay earlier without using his own cash upfront, unlocking cost savings while potentially earning card rebates or cashback. 

*Example: If Sam’s supplier offers a 2% early payment discount on a S$100,000 invoice, that could mean S$2,000 in savings.

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 58 days, interest-free!

Manage cash flow from both sides

Cash flow pressure does not only come from expenses. It also depends on how quickly money comes in. CardUp helps businesses manage outgoing payments while making collections smoother and faster.

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Pay smarter

Use your existing credit line to keep business payments moving while preserving operating cash.

✓ Bridge timing gaps between payables and receivables
✓  Protect cash for payroll, rent, and inventory
✓  Unlock early payment discount opportunities
✓  Extend payment runway with your billing cycle
✓  Low transaction rates from 1.39%
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Collect smoother

Make it easier for customers to pay you and bring cash in sooner with low-friction collections.

✓  Collect earlier to improve cash flow timing
✓  Reduce delays in incoming payments
✓  Support healthier day-to-day cash flow
✓  Low promotional transaction rates from 1.10%

How this looks across different industries

From F&B to contracting and wholesale distribution, CardUp helps businesses handle short-term cash flow pressure when expenses are due before revenue comes in.

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F&B outlets and F&B suppliers
Manage day-to-day operating costs with more flexibility
 
Keep more cash on hand for payroll, inventory and daily operations while staying on top of supplier payments.
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Contractors & Sub-contractors
Bridge gaps between project costs and incoming payments
 
Cover materials, manpower, rent and vendor invoices while waiting for progress payments.
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Wholesale distributors
Protect working capital while keeping stock flowing
 
Free up cash on hand while managing supplier payments and inventory needs more flexibly.

See your cost of financing when you pay using 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.

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Free up cash flow at a lower fee*

Flexible pricing options for businesses making payments or collecting from customers.

*Pricing varies based on whether you are making or collecting payments, as each solution is built for different business needs.

Make Payments 
From 1.39%
  • Pay suppliers, rent and invoices with your credit card, even where cards aren't accepted
  • No-rewards pricing from: 1.39% (excluding taxes)
  • Rewards-earning pricing: 2.60%
  • All payment categories
Find out more
Collect Payments
From 1.10% (u.p. 2.6%)
  • Accept card payments from your customers
  • Standard pricing: 2.60%
  • Collect promo pricing from: 1.10%
Find out more

Latest promotional pricing

⏰ Limited Time Only - No Rewards Payments (Make)
1.19% (u.p. 1.39%)
  • Use code NOREWARDS119
  • Locally-issued Mastercard only
  • All payment categories except taxes [GST, Property Tax, Corporate tax, and Stamp duty]
  • No card rewards will be earned with this promo code
  • End date: 31st December 2026
View all terms

In partnership with major commercial card issuers

Make the most of your existing corporate credit card to preserve cash on hand and extend payment runway.

Click below to explore available offers, or speak to us if you need guidance on suitable card recommendations.

Ready to optimise your cash flow?

Provide your details, and our Sales Representative will contact you shortly.

By submitting this form, you agree to receive promotional emails from CardUp. You have the option to opt-out at any time. For more details refer to our Privacy Policy

Have questions about freeing up cash flow CardUp?

How does using my credit card free up my cash flow for up to 58 days?

What business payments can I make with CardUp?

What fees do CardUp charge?

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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

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Earn rewards on your spend

Earn up to 3% cashback or 1.6 miles per dollar spent by shifting these payments you're already making today from cash to card.

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Digitise and automate

Cut down on thousands of dollars each month, and solve for the many inefficiencies of traditional payment processes.