CIMB Malaysia CIMB Indonesia CIMB Thailand CIMB Cambodia CIMB Vietnam CIMB Philippines
  • CIMB Insights
  • Solutions & Products
  • Digital Banking
  • Promotions
  • Help & Support
  • Quicklinks
CIMB Insights
Solutions & Products
Digital Banking
Promotions
Help & Support
Quicklinks
Scale Up
Manage My Business
Financial Lifestyle
Newsroom & Awards
Solutions
Cash Management
Loans & Financing
Trade Finance
Treasury
Financial Institutions Group
All Promotions
Events
Rates & Charges
Ways to Bank
Regulations & Policies

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, ensuring payments are made only when earnings are generated.

 

 

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 $1,000 in a day, $50 will be repaid that day.

 

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

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: S$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.

View full terms & conditions here

GLOBAL SME BANKING INNOVATION AWARDS 2026

Best New SME Product of the Year

See all awards

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. 

For More Enquiries

Email Us

Drop us an email and we'll get back to you.

Email Now

Let Us Call You

We are contactable 24/7.

Let Us Call You

Talk To An Expert

Visit us at our branches nationwide.

Find a Branch

You are about to enter a third party website & CIMB Group's Privacy Policy will cease to apply.

This link is provided for your convenience only and shall not be considered or construed as an endorsement or verification of such linked website or its contents by CIMB Group.

 

CIMB Group makes no warranties as to the status of this link or information contained in the website you are about to access.

 

Do you wish to proceed?

Yes, please proceed