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Features & Benefits

Repay As You Earn
Single Upfront Fee
Fully Digital Process

What is CIMB FlexiPay?

 

CIMB FlexiPay is a flexible loan designed to unlock business growth.

 

With its unique ‘repay as you earn’ repayment structure, repayments are aligned with revenue, so you only repay when your business earns. Simply channel your daily revenue through your CIMB Business Account and choose a percentage to go towards your FlexiPay loan repayment.

 

Benefit from a simple, transparent cost structure with 0%^ interest, no late fees, and no early repayment fees. Just a single upfront fee from 3.3%^^ of the approved loan amount.

 

Receive an indicative offer within 3 to 5 working days. Upon digital acceptance, funds are disbursed directly to your CIMB Business Account.

 

Why choose CIMB FlexiPay?

 

CIMB FlexiPay offers cost certainty with flexible repayments. All costs are fixed upfront, while repayments are based on a percentage of your daily revenue, keeping repayments aligned with your business cash flow.

 

Let’s take a look at an example:

You decide to take up a CIMB FlexiPay loan of S$100,000 and commit 5% of your daily revenue towards repaying the loan.

 

Day Daily revenue Repayment based on holdback rate* of 5% Loan amount outstanding Interest Fee
0 - - S$100,000 - S$5,000
1 S$10,000 S$500 S$99,500 0% interest with a single upfront fee deducted from approved loan amount on day 0
2 S$0 S$0 S$99,500
3 S$15,000 S$750 $98,750

Note: Your FlexiPay loan can be prepaid partially or in full without any additional fees or charges.

 

How do I get started?

 

Step 1 - Check eligibility & loan amount

Estimate the eligible loan amount based on your average monthly sales and industry profile here.

Step 2 - Submit FlexiPay loan application

Provide contact and company details, and upload the latest 12 months of non-CIMB bank statements to support your application.

Step 3 - Get notified on application status

CIMB will reach out with the FlexiPay application status.

 

FlexiPay funds will be disbursed to your CIMB Business Account.

 

Don’t have a CIMB Business Account with us? Discover the right account to suit your business needs here.

 

How do I get CIMB FlexiPay funds?

 

Step 1 - Get Your Letter of Offer

Upon qualification of CIMB FlexiPay, company’s Keyman will receive a Loan Offer via email and unique link to perform verification.

 

Access the link and enter the last 4 digits of Keyman's NRIC (123A) and OTP.

 

Select desired loan amount and holdback rate*.

 

A Letter of Offer will be generated for digital signature and acceptance via Singpass.

Step 2 - Receive CIMB FlexiPay Funds

Once all Keyman signature(s) is/are received, the application will be processed, and the funds will be disbursed to your CIMB Business Account within 2-3 working days.

Step 3 - Repayment of CIMB FlexiPay

With the ‘repay as you earn’ repayment structure, repayments are based on daily revenue.

 

For example, if the selected holdback rate* is 5% and the business earns S$1,000 in a day, S$50 will be repaid that day.

 

On days with no revenue, no repayment is due, ensuring payments align with cash flow.

 

All you need to do is to channel your business revenue to your CIMB Business Account.

Document Checklist

 

Get ready to open a CIMB Business Account with us and enjoy our services. To speed up the process, please have the following documents ready.

 

Private Limited/Public Company

1. Certified true copies1

Memorandum and Articles of Association or Constitution.

 

2. NRIC/ Passport copy2 and specimen signatures of

  • All directors
  • All authorised signatories
  • All controlling persons (only if applicable to your company)
  • All Ultimate Beneficial Owners
  • All approving persons

 

3. Image with NRIC for ALL NRIC submitted above

1A certified true copy is a copy of an original document that has been stamped or signed with the word "Certified True Copy" to confirm the copy is true and authentic by the following persons:

For Private Limited or Public Company: 2 directors; or 1 director and 1 secretary; or 1 director if you have a single director

 

2*NRIC for Singapore Citizens and residents or passport copy for non-citizens

 

Download Document Checklist for Private Limited/ Public Company (EN)
Download Document Checklist for Private Limited/ Public Company (CN)

Partnership

1. Certified true copies1

Partnership agreement. 

 

2. NRIC/ Passport copy2 and specimen signatures of

  • All authorised signatories
  • All Partners (For Partnership Entities)
  • All approving persons

 

3. Image with NRIC for ALL NRIC submitted above

 

1A certified true copy is a copy of an original document that has been stamped or signed with the word "Certified True Copy" to confirm the copy is true and authentic by the following persons:

For Partnerships: 2 partners

 

2*NRIC for Singapore Citizens and residents or passport copy for non-citizens

 

Download Document Checklist for Partnership (EN)
Download Document Checklist for Partnership (CN)

Sole Proprietorship

1. NRIC/ Passport copy2 and specimen signatures of

  • All authorised signatories
  • All owners for Sole Proprietor
  • All approving persons

 

2. Image with NRIC for ALL NRIC submitted above

 

2*NRIC for Singapore Citizens and residents or passport copy for non-citizens

 

Download Document Checklist for Sole Proprietorship (EN)
Download Document Checklist for Sole Proprietorship (CN)

Eligibility

  • Singapore incorporated company
  • For existing CIMB customers: Has CIMB Business Account with a minimum of 6 months of active account activity
  • For non-CIMB customers: Has non-CIMB bank statements with a minimum of 12 months of active account activity

 

Fees & Charges

 

  • Single upfront fee: From 3.3%^^ of approved CIMB FlexiPay amount
  • Interest rate: 0%^
  • Early prepayment fee: S$0
  • Late fee: S$0

 

Terms & Conditions

 

*Holdback rate is the percentage of your daily revenue that will go towards repaying CIMB FlexiPay.

 

^Single upfront fee applies. To be deducted from the approved loan amount upon disbursement.

 

^^Upfront fee is subjected to bank’s assessment.

 

View full terms & conditions here

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Disclaimer

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. 

 

FAQs

 

What makes CIMB FlexiPay different from a regular term loan?

CIMB FlexiPay aligns repayments with business’s actual daily revenue. When revenue is received in your CIMB Business Account, a portion is taken for the loan repayment. This portion refers to the holdback rate, which is the rate you have agreed upfront to be deducted for repayment.

What are the fees and charges for CIMB FlexiPay?

There is only a single upfront fee from 3.3%^^ of the loan amount. No interest, no prepayment fees, and no late fees.

What documents do I need to submit for CIMB FlexiPay application if my main bank(s) is not CIMB?

You will need to provide the latest 12 months of non-CIMB bank statements in PDF e-statement format (statements from up to 4 different banks is acceptable).

How long does it take to receive the offer status?

You will receive an indicative offer within 3-5 working days.

What is the loan amount that will be offered?

Currently, CIMB FlexiPay offers up to S$100,000.

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