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Flexible pay-per-use business financing

Use your existing credit cards to pay for your rent, salaries, invoices and more to free up more cash on hand for other business growth.

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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.

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The total effective cost of financing with CardUp at 3.3% p.a. is derived from a 0.95% CardUp fee using CIMB BusinessCard. 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.

Want to learn more about Financing on CardUp?

Get inspired to grow your business. Learn from the best with CardUp

 

 

Nik Financing

"现在你可以通过 CardUp 使用手上的credit card 来付这些消费,而在 credit card statement 到期的时候还款就可以了。最重要的是,你可以在一年里面无限的使用哦。!"

 

Iman Karim

"CardUp is an alternate financing option yang mudah & fleksibel - just guna your credit card je!"

 

Fund your business with these offers

Optimise your cashflow by shifting your monthly overhead costs like salaries, rent, supplier invoices and more onto your existing credit cards to defer the actual cash outflow from your bank and save on financing costs. Pay for just what you need, when you need.

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Rent

Supplier Invoice

Supplier Invoice

Payroll

Payroll

Corporate Tax

Corporate Tax

Renovation

Renovation

Interest-free short term financing

0% financing cost for the first RM12,000

Use code MYNEWFREE12

0% (u.p. 2.25%) CardUp fee on first business payment up to RM 12,000

View all terms

CIMB-Logo
3.3% p.a. financing cost for CIMB BusinessCard

Use code CIMBBIZ95

0.95% CardUp fee on all subsequent payments


Enjoy 0.5% unlimited cashback

The effective fee of 0.45% translates to 3.3% p.a. financing cost.

View all terms

RHB Standalone logo
3.65% p.a. financing cost for RHB Bank Credit Card

Use code RHBIZ1

1% CardUp fee on all subsequent payments

 

Enjoy 0.5% unlimited cashback

The effective fee of 0.5% translates to 3.65% p.a. financing cost.

View all terms

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5.66% p.a. financing cost for AmBank Credit Card

Use code AMBIZ1

1% CardUp fee on all subsequent payments

 

Enjoy 0.1% unlimited cashback

The effective fee of 0.9% translates to 5.66% p.a. financing cost.

🔴View all terms  

1% financing cost for Malaysia-issued Visa, Mastercard and UnionPay Cards

Use code CUONE

1% (u.p. 2.25%) CardUp fee on all payment categories

View all terms

 We have more bank offers coming up, check back on this space

Don't have a credit card? Sign up for one here and stand a chance to win a U5 Robotic Vacuum or RM200 TNG*!
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Boost cash flow with CardUp

Ready to fund your business at more affordable rates than traditional banks? Use your existing credit card for flexible financing with CardUp. Fill up the form and we will send you more details on how you can 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

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Agrobank-1
Alliance Bank-1
AmBank
Bangkok Bank-1
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Bank of America
Bank of China
BNP Paribas
BSN
China Construction Bank
Citibank
CIMB-1
HL Bank
HSBC
ICBC
Maybank
Mizuho
Mizuho
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Public Bank
RHB
SCB
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