CIMB Singapore Launches CIMB FlexiPay: A First-of-its-kind, Revenue-Based Loan for SMEs

It aims to empower SMEs with a fully digital, revenue-based loan that adapts to daily cash flow.

19 AUGUST 2025, SINGAPORE: CIMB Singapore today announced the launch of CIMB FlexiPay – an innovative “pay-as-you-earn” loan designed to support small and medium-sized enterprises (SMEs) with smarter, flexible access to financing.

The first of its kind in Singapore, CIMB FlexiPay links repayments directly to a business’ daily revenue. On days with no revenue, no repayment is required. This fully digital solution is designed to ease cash flow pressures while removing the traditional barriers SMEs face in securing financing.

Addressing SMEs’ Biggest Pain Point: Cash Flow

SMEs remain one of the most underserved segments in banking. Many of them struggle with seasonal, irregular or unpredictable income, making monthly repayments a challenge. CIMB FlexiPay addresses this gap with a loan that adjusts to a company’s performance, ensuring businesses repay only when they earn.

Key Features of CIMB FlexiPay

• Revenue-linked repayments: Automatically deducted from daily deposits based on a business’ selected holdback rate*. 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 required.
• Management with full certainty and transparency: Pay a single upfront fee – no interest, no prepayment fees, and no late fees.
• Fully digital process: No physical forms or document submissions required. Customers can accept loan offers digitally.

“With CIMB FlexiPay’s pay-as-you-earn structure, SMEs gain flexibility, transparency and control in managing their financing. This innovation reflects our commitment to rethinking traditional banking and supporting businesses with solutions that truly adapt to their cash flow realities,” said Benjamin Tan, Head of Commercial & Transaction Banking, CIMB Singapore. “By removing traditional barriers and offering a seamless digital experience, we aim to help businesses grow with confidence.”

For more information or to apply, visit CIMB FlexiPay.

Terms & Conditions apply.

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

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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. 

About CIMB Bank

CIMB is one of ASEAN’s leading banking groups and Malaysia’s second largest financial services provider, by assets. Listed on Bursa Malaysia via CIMB Group Holdings Berhad, it had a market capitalisation of approximately RM75.2 billion as at 31 March 2025. It offers consumer banking, commercial banking, wholesale banking, transaction banking, Islamic banking and asset management products and services. Headquartered in Kuala Lumpur, the Group is present across ASEAN in Malaysia, Indonesia, Singapore, Thailand, Cambodia, Vietnam and Philippines. Singapore is one of its key markets with approximately 1,000 employees serving clients across consumer, commercial, wholesale and transaction banking products and services.

Beyond ASEAN, the Group has market presence in China, Hong Kong and UK. CIMB has one of the most extensive retail branch networks in ASEAN with 592 branches and over 33,000 employees as at 31 March 2025. CIMB’s investment banking arm is one of the largest Asia Pacific-based investment banks, which together with its award-winning treasury & markets and corporate banking units comprise the Group’s leading wholesale banking franchise. CIMB is also the 92.5% shareholder of Bank CIMB Niaga in Indonesia, and 94.8% shareholder of CIMB Thai in Thailand.

Sustainability is a core pillar of CIMB’s Forward30 strategy and 2030 roadmap. The Group is guided by its Green, Social, Sustainable Impact Products and Services (“GSSIPS”) framework, an internal taxonomy designed to deliver impactful sustainable finance. Since launching its sustainable finance framework in 2021, CIMB has progressively raised its ambitions, increasing its initial RM30 billion target to RM100 billion for 2021–2024. The Group now targets RM300 billion in sustainable finance by 2030, reinforcing its commitment to enabling a lower-carbon and more inclusive economy across the region.

For media queries, please contact mediasg@cimb.com.