Working Capital

Accounts Payable Financing

Increase your turnaround time with customised financing and build your business

Increase your turnaround and free up funds with DBS Accounts Payable Financing (APF). DBS finances the purchase of your import goods in a wide range of currencies at attractive rates. You can then take ownership of the goods and use them to grow your business up to six months before you need to pay for them. You can also choose a flexible payment plan that will complement your cash flow cycle, helping you better manage your cash flow. This is useful for when you want to pay off a Letter of Credit or Inward Bill Collection.


Why choose DBS Accounts Payable Financing?

  • Structure your import financing facilities around your trading circle to meet your needs
  • Access working capital and improve your cash flow
  • Save time by providing APF settlement instructions through IDEAL™, our online banking platform
  • Remember your loan settlement due date with an automatic reminder from IDEAL™


Will your bank remind me before my APF is due?

Yes. Our trade operation staff will contact you on the day it is due, or we will provide an automatic reminder if you are currently using IDEAL™, our online banking platform.

Can I ask for an extension?

Yes, however this is subject to credit approval from DBS, and the overall loan period must not exceed the maximum loan period granted in the letter of offer.

Can I repay the APF before its due date?

Yes, however the loan is subject to an early repayment fee. Please contact us at 400 820 8988 for more information.

Is there a credit limit and interest charged?

Yes, there is a credit limit and interest is charged based on the tenure.

Please call us at 400 820 8988 for more information and if you need assistance.

What is the financing quantum and tenure?

The financing quantum is 100% and the tenure is usually up to six months.

You may call us at 400 820 8988 or contact your Relationship Manager for an assessment of your imports.

Do you finance only in CNY?

We finance your open account payable at competitive rates for different foreign currencies.

Call us at 400 820 8988 or visit us at any of our branches and our Relationship Manager can design a suitable financing package for your business.


How do I apply?

Simply call us at 400 820 8988 (or +86 400 820 8988 if you're overseas) or visit any of our Branches. You may also email us and our Relationship Manager will contact you as soon as possible.



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The information provided on this website is subject to change without notice, its accuracy is not guaranteed, and it may be incomplete or condensed. Accordingly, no representation or warranty, express or implied, is made as to the accuracy, completeness or fairness of the information in this website. We are not acting as your advisor or agent when providing the information in this website. The information in this website does not purport to identify the risks (direct or indirect) or other material considerations which may be associated with you entering into a particular transaction, subscribing for a particular service or purchasing or selling a particular security or financial instrument. Prior to entering into any proposed transaction or entering into any subscription, purchase or sale of any security or financial instrument, you should determine (after consultation with your own advisors if you deem fit), without reliance upon us or our affiliates, the economic risks and merits, as well as the legal, tax, accounting or other material characterisations and consequences of the transaction, subscription, purchase or sale, as the case may be, and that you are able to assume these risks.


We, and/or our affiliates, may hold, or trade, or act as market-maker, in any securities or other financial instruments mentioned in this website or related derivatives or may take positions or use trading strategies in respect of any asset class similar to or which differ from or be contrary to those mentioned in this website. We, and/or our affiliates conduct many businesses and activities that may relate to issuers of third party securities mentioned in this website and may provide broking, banking and other financial services to such issuers.


Anyone receiving or accessing this website must make their own assessment of the materials herein and conduct such investigations and seek such professional advice as they think fit for such purpose. The information provided on this site should not be regarded by recipients as a substitute for the exercise of their own judgment.


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Best SME Financing/Cash (Highly Commended) 2015

Best SME Financing/Cash (Highly Commended) 2015

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