International Capital Solutions Pte. Ltd. - Singapore, Singapore

Invoice discounting is a financing solution that allows businesses to quickly unlock cash from the future trade receivables at a discount. It provides fast, convenient and flexible cash flow to either bridge the business working capital needs or expand the business.

Traditionally, invoice discounting is a market that is taken up by banks and finance companies. Due to recent regulatory changes, banks will have to offer this form of financing at less competitive rates. As a crowdfunding platform is not subjected to such relation, Capital Solutions can still offer invoice discounting to small businesses at attractive rates to borrower and allow the businesses to only sell invoices as needed, giving the flexibility to manage the cash flow and working capital needs appropriately.

At the same time, Capital Solutions offer an alternative investment to investors at an attractive return. We offer good quality deals to investors with multiple layer of credit protections to investors at a relatively good returns and short duration (typically between 30 to 90 days).

for more information, please visit http://capitalsolutions.com.sg/products/invoice-discounting

Unsecured Lending is a short term loan in the form of promissory note issues to the borrower that provides cash advance and is repaid in a pre-determined fixed amount over a fixed tenure period at a specified interest rate. This type of financing are generally catered to small business who has no collateral and no access to bank lending due to its lack of assets in the balance sheet. Generally, the cash is employed by business to secure new projects, working capital needs to fund inventory or simply to cover short term cash deficiencies. Capital Solutions can offer financing based on the businesses’ sales and earnings. Repayments are generally paid and deducted through GIRO on the monthly basis, or any other recurring period depending on the business’ needs. Capital Solutions also offer flexibility in the structure of the product, such as the tenure and repayments structure. This product is catered mostly to more established business who already have a stable monthly sales and cashflow and who prefer a fixed repayments amounts to service the loan.

At the same time, Capital Solutions offer this unique alternative investment opportunity to investors to directly invest in the Singapore small business credit market and gain exposure directly to the market at attractive yields and relatively low minimum investment, allowing investors to diversify the portfolio of credit. Typical duration for this product is slightly longer as compared to the others and should range from 6 months to 12 months.

For more information, Please visit http://capitalsolutions.com.sg/products/unsecured-lending

Merchant financing is an innovative financing solution catered for merchants who accept card payments as part of their business. By allowing Capital Solutions to debit a proportion of the future card sales, merchants can get cash advance up to 6x of your monthly card sales. Unlike traditional term loans where there is fixed repayments and period, repayments for merchant financing is flexible with no fixed installments as well as no fixed tenure. Capital Solutions will deduct a pre-agreed proportion of the marchant’s daily/weekly card sales automatically to service the loan. So, as the merchant’s sales fluctuate, so does the repayments, offering flexibility to run your business.

At the same time, Capital Solutions offer this alternative investments to investor who has risk appetite to the retail and Food & Beverage sectors at very attractive returns and at the same time relatively short dated in tenure (typically between 3 to 6 months).

For more information, please visit http://capitalsolutions.com.sg/products/merchant-financing