CardUp lets you optimise your working capital by shifting your business expenses to your credit cards.
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 his bill due date is up to 30 days later
Jason pays off this bill when it's due, leveraging this interest-free period and extending his invoice payment terms by up to 58 days, interest-free!
 |
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 CardUp fee can be customised based on your payment type, amount, frequency and credit card bank.
Simply fill in your information in the form and we will be in touch to discuss your customised pricing.
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.”
“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.”
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."
"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."
Create a free account and enter your payment details. Payments can be made in advance, or on recurring schedules.
CardUp charges your card plus a CardUp fee three business days before your payment due date.
Your recipient receives the funds by bank transfer, without the need to register with CardUp.
While your recipient has already received your payment on time, you only pay when your next credit card bill is due.
Set up one-off payments or schedule them in advance, or even on a recurring schedule
Monitor all past and upcoming payments on your personal dashboard
Receive real-time payment status updates via email and SMS
From 1.9% fee per transaction, with no separate set up fee
Turn hundreds of invoices into payments within seconds via bulk upload
Pay your recipient in one business day for urgent payments, at a nominal fee
Collaborate better with customisable rights to view, edit and approve payments
Get professional phone and email support from our team to help you in every step
Earn up to 5% cashback or 1.6 miles per dollar on your card with CardUp
Remove cheque and cash payments, save time and simplify your payment processes
Let your customers pay by card with no fees or hassle for your business
For Your Personal Expenses 
