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Flexible pay-per-use business financing

Pay your rent, salaries, invoices and more with your existing credit card to free up more cash on hand for other business growth.

Finance business using your credit card

See your cost of financing when you use CardUp

CardUp offers more affordable rates and faster approvals compared to other popular financing options such as loans, overdrafts and more.

2024 Cost of Capital (CoC) 3.3% p.a.

The total effective cost of financing with CardUp at 3.3% p.a. is derived from a 0.95% CardUp fee using CIMB Businesscard credit card. This cost is further reduced with 0.5% CIMB cashback. Following your credit card billing cycle, you can enjoy an extended and recurring interest-free period of 50 days through the year to optimise your on-hand capital.

Financing Offers

Enjoy a more affordable way to fund your business with these lowered fees per transaction

CIMB

0.95% (u.p. 2.25%)
  • Use code CIMBBIZ95
  • Earn 0.5% CIMB cashback
  • Ends 30 September 2024
View all terms

All business users

1% (u.p. 2.25%)
  • Use code CUONE
  • Locally-issued Visa, Mastercard and UnionPay Cards
  • Ends 30 June 2024
View all terms
Don't have a credit card? Sign up for one here and stand a chance to win a U5 Robotic Vacuum or RM200 TNG*!

*Terms and conditions apply.

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Get more info

Submit your details below to receive instructions on how to get started. 
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How can you use a credit card to finance your business?

The
challenge

Sam struggles to keep a consistent amount of cash on hand to cover for monthly bills like payroll, rent, and supplier payments.

The
solution

With CardUp, Sam can use his existing credit card to pay the bills. He gets to free up more cash on hand while ensuring his recipients get paid on time via bank transfers.

The
benefit

With improved cash flow, he invested in other growth activities and expanded his business while also keeping a healthy cash reserve for uncertainties.

You'll get more than just affordable financing

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Earn rewards on spend

Earn cashback, points, or air miles by shifting these large payments from cash to card.

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Digitise and automate

Reduce wasted operational hours with advanced scheduling and free automations.

Thousands of businesses are already using CardUp to better finance their businesses

"With CardUp, I’m able to minimise cash flow gaps and keep my business running without disruption.'

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Dr Chong
Managing Director | Aviation Virtual

"CardUp's unique platform helps optimise cash flow, especially in a small team to keep operations going smoothly."

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Jeremy Tan
Team Lead | Paula's Choice

"I'm now able to optimise working capital for my business at a flexible and affordable rate. It also helps us process our payments timely."

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Nina Alag Sure
CEO | X0PA AI

"A clear value-add is the ability to access interest-free credit - this has been pivotal in helping drive healthy working capital ratios."

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Jerrold Quek
Chief Operating Officer | Far Ocean Group

CardUp supports cards from all major banks and issuers

Affinbank
Agrobank
Alliance Bank
AmBank
Bangkok Bank
Bank Islam
Bank of America
Bank of China
BNP Paribas
BSN
China Construction Bank
Citibank
CIMB Bank
HL Bank
HSBC
ICBC
Maybank
Mizuho
MUFG
OCBC Bank
Public Bank
RHB
Standard Chartered
UOB

Have questions about earning card rewards using CardUp?

How does using my credit card free up my cash flow for 2 months?

What business payments can I make with CardUp?

What fees do CardUp charge?

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Optimise your working capital today

Join the thousands of business who are fully utilising their credit card lines with CardUp