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

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.'

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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."

Paula's Choice Skincare logo

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."

Profile image of Jerrold Quek, CEO of Far Ocean Group

Jerrold Quek
Chief Operating Officer | Far Ocean Group

Illustration of man holding invoice, with credit card helping to generate more cash into bank

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 table of various working capital loan types

CardUp supports cards from all major banks and issuers

Affinbank
Agrobank
Alliance Bank
AmBank
Bangkok Bank
Bank Islam
Bank of America
Bank of China
BNP Paribas
BSN
China Construction Bank
Citibank
CIMB Bank
HL Bank
HSBC
ICBC
Maybank
Mizuho
MUFG
OCBC Bank
Public Bank
RHB
Standard Chartered
UOB

Have questions about earning card rewards using CardUp?

How does using my credit card free up my cash flow for 2 months?

What business payments can I make with CardUp?

What fees do CardUp charge?

Business woman on business call while holding credit card

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 spend

Earn cashback or miles by shifting these payments you're already making today from cash to card.

Illustration of business man relaxing as he saves time from digitising his payment process

Digitise and automate

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