Fully utilise your credit card lines and free up cash

CardUp lets you optimise your working capital by shifting both your domestic and international payments to your credit cards.

With CardUp, your business can make use of your available credit limit for an extra 58 days of interest-free payment terms, conserving cash

Jason receives an invoice from his supplier with a 30-day payment term

He charges the invoice amount to his credit card via CardUp, and his supplier receives the payment on time via a bank transfer

His credit card statement arrives at the start of the next month, and is only due 30 days later

Jason pays off his statement when it is due, extending his invoice payment terms by up to 58 days, interest-free!

Calculate your cost of financing with CardUp

I wish to free up

in cash

Please enter valid cash amount.

CardUp fee

1.9%

Card rebate

1.5%

Cost of funds using CardUp

0.4% or $800

CardUp provides the fastest and most convenient financing solution to free up cash at a low cost.

Here’s how we compare based on financing $200,000:


		Working capital loan	Business term loan	Unsecured overdraft	Invoice factoring	Moneylenders
Fees	From 1.9% per transaction	$500	$500	$1,300	$0	$100
Interest fee (Annualised)	0%	7.5%	10.5%	13.5%	15%	45%
Total cost of funds (incl. fees).	2.52%* p.a.	7.75% p.a.	10.75% p.a.	14.15% p.a.	15% p.a.	45.05% p.a.
Approval time	Instant, pre-approved	2 Weeks	Up to 4 Weeks	Up to 4 Weeks	Up to 2 Weeks	Within a day
Required documentation	Light	Heavy	Heavy	Heavy	Medium	Light
Flexibility	Very flexible, on a per-transaction level	Fixed amount	Fixed amount	Fixed amount	Flexible, as per your invoice	Flexible


Fees From 1.9% per transaction
Interest fee (Annualised) 0%
Total cost of funds (incl. fees) 2.52% p.a.
Approval time Instant, pre-approved
Required documentation Light
Flexibility Very flexible, on a per-transaction level

Working capital loan
$500
7.5%
7.75% p.a.
2 Weeks
Heavy
Fixed Amount

Business term loan
$500
10.5%
10.75% p.a.
Up to 4 Weeks
Heavy
Fixed Amount

Unsecured overdraft
$1,300
13.5%
14.15% p.a.
Up to 4 Weeks
Heavy
Fixed Amount

Invoice factoring
$0
15%
15% p.a.
Up to 2 Weeks
Medium
Flexible, as per your invoice

Moneylenders
$100
45%
45.05% p.a.
Within a day
Light
Flexible

*The total effective cost of financing for CardUp is derived from a net 0.4% CardUp fee per
transaction to enjoy an interest-free period of 58 days.

Find how much you can be saving with our customised fees

Do you hold a commercial credit card? The CardUp fee can be customised to as low as 0.9%!

Simply fill in your information in the form and we will be in touch to discuss your customised pricing.

Join the thousands of businesses already using CardUp to optimise working capital

Aviation Virtual uses CardUp to augment working capital

Dr Chong, Managing Director

“While my business only receives payments upon project milestones, we still need to pay incurred expenses each month. With CardUp, I’m able to minimise cash flow gaps and keep my business running without disruption.”

Paula's Choice uses CardUp to optimise business cash flow

Jeremy Tan, Team Lead

"CardUp's unique platform helps optimise cash flow. There are many ways credit limits can be utilised properly, especially in a small team to keep operations going smoothly. Great product, excellent service too."

How CardUp works

1

Set up payment

Create a free account and enter your payment details. Payments can be made in advance, or on recurring schedules.
2

Credit card charged

CardUp charges your card plus a CardUp fee three business days before your payment due date.
3

Recipient gets paid

Your recipient receives the funds by bank transfer, without the need to register with CardUp.
4

You pay back later

While your recipient has already received your payment on time, you only pay when your next credit card bill is due.