Hassle-free and flexible small business line of credit

Your daily business operational expenses should not be a source of stress. Get a quick, easy and uncomplicated business line of credit in Singapore to regulate your spending instead of stretching your funds to their maximum.

With our flexible business credit, you can spend more efficiently while also preserving your cash. With flexible repayment cycles, take advantage of one of the quickest credit checks and approval processes available.

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Trusted by finance teams at startups to enterprises.

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Repayment cycle that is tailored to you

Apply for and get approved for a business line of credit in Singapore with flexible repayment schedules. The cycle is tailored to your company's demands as well as your credit limit.

Instead of breaking your head over expensive, rigid credit repayments with banks, take advantage of the flexible business credit available through our corporate cards.

Flexible credit for every business

Quick and no-nonsense approval process

Volopay, unlike a bank, does not take weeks to process your application. Our clearance and verification processes take substantially less time, as little as two working days.

You can get fast access to your authorised company line of credit so you can start spending right away.

Super fast approval process

Hassle-free credit

Forget lengthy processes and paperwork associated with a traditional company loan. Get a big credit limit with no personal guarantees and with the bare minimum of documentation.

Credit checks and approvals are completed as quickly as possible, and your business credit limit grows as your company grows.

Minimal Hassle

Corporate cards with built-in credit

Provide your team with corporate cards with a business line of credit for immediate use. Set up controls to track spending in real-time, as well as approval processes to guarantee that nothing goes off the rails.

Smart corporate cards

Financial stack for business

No more switching between multiple bank accounts and tools to run your smart business. We have combined great software with every service you are using a bank for, to produce a state-of-the-art financial platform.

Corporate Cards

Empower your employees with physical and virtual cards

Expense Management

Manage and track every dollar that leaves your company

Business Bank Account

Open a global account with multi-currency payments.

Accounts Payables

Manage vendors, approve invoices and automate payments.

Accounting Automation

Save hours daily, and close your books faster every month.


Integrate with the all the tools and software that you use daily.

Learn more about our business credit

Volopay is the only expense management software in Singapore that can bring all of your financial management operations on a single platform. You'll never have to worry about gathering data again with approvals, corporate cards, bills, reimbursements, and accounting automation all in one spot.

Global business accounts

You can open a multi-currency account with Volopay instead of juggling your funds in different places. Keep money in multiple currencies in different wallets to keep track of your spending around the world.

Domestic money transfers

Using your accounts payable wallet or cards to send money to vendors and staff, you can manage all of your payments from a single dashboard. Domestic transfers are fast, and they appear in your ledgers right away.

International money transfers

Our platform makes money transfers across the globe much easier. You won't lose a lot of money only to pay a vendor in another country thanks to lower remittance rates and competitive FX prices. Instead, overseas transfers are faster, less expensive, and simpler to manage.

Accounting automation

Accounting automation is an end-to-end procedure thanks to a single-click sync with your accounting software. Everything is handled by the system, from the recorded transaction in the ledger to reconciliation in your accounting software. We integrate with the best in the industry, including Xero, Quickbooks, Deskera, MYOB, Netsuite, and a slew of others.

FAQs on business credit

What is a business credit card?

A business credit card is used by companies to keep business and personal expenses separate and also for tax purposes.

How is my company’s credit limit determined?

The credit limit for your business is decided by your existing credit score and the state of your business documentation. However, only your company's financial history is considered, not your personal credit score or bills. When you apply for credit, you will be asked to provide certain documents.

How can my company become eligible for business credit?

You can submit your papers for assessment by our credit team to determine your eligibility for business credit. They'll look over your documentation swiftly and let you know if you qualify for a credit line. In general, having your company's credit score paperwork and financial history on hand is necessary for clearance.

What collateral should I submit to apply for business credit in Singapore?

Unlike traditional bank loans, you don't need to put up any guarantees or collateral to get a business credit line with Volopay. If your other documentation is in order, we can provide you with a business line of credit with no collateral.

Is it possible to raise the current line of credit limit?

Yes, you can seek an increase in your credit line limit at any time. This will be determined by a rise in revenue, expenditures, or any other factor that demonstrates your qualification for the raise.

How do business credit cards work?

A business credit card works like any other credit card. It is used to make expenses and draws money from a credit line that has to be repayed within the agreed upon period.

Is it hard to get a business credit?

Getting a business credit depends on your companies financial track record and your personal credit history as these are some of the things that a business credit provider will check.

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