Komsan Chiyadis
GrabFood delivery-partner, Thailand
About Easy Loans
GrabFinance’s Easy Loans is a financing solution exclusively for Grab merchant-partners, offering fast, flexible access to working capital. Apply easily with no documents required, get quick disbursals, and repay directly from your Grab earnings based on your sales. Use the funds for inventory, outlet expansion, or payroll—helping you manage cash flow and grow your business with confidence.
Why businesses choose Easy Loans
0% interest. No hidden surprises.
No hidden charges, just a one-time admin fee.
Fast & simple application
No financial documents or complicated paperwork needed.
Stay on track with automated repayments
Flexible repayments using a portion of your Grab earnings
How does Easy Loans work?
Submit your application
Tap on the “Apply Now” button and let us know your funding needs — we’ll take care of the rest.
We do the work
We assess your application using your actual business data
— our specialists will follow up with you.
Receive your funds
Once approved, funds can land in your account
in 1-3 working days.
All set with your funds? We’ll take it from here!
A small amount is deducted daily from your Grab earnings. No stress, no deadlines to track.
Funding that makes a difference
“We discovered GrabFinance’s Easy Loans through the Grab Merchants app and applied later when we needed to build up cash reserves for inventory and marketing during slower months. Unlike bank loans, Easy Loans does not affect our personal credit, and the terms were simple and clear, including a one-time fee and daily deduction schedule. The automated repayment feature is worry-free — daily deductions from Grab earnings make the financial pressure more manageable, especially for a retail business like ours with less frequent but larger transactions. We’ve also had good support from the Lending Specialist team. Overall, we would likely choose Easy Loans again, thanks to the positive product and customer service experience.”
– Yong Sheng, TCL Singapore
“When we were setting up a new outlet and expanding our kitchens, we needed funding quickly, so we explored GrabFinance’s Easy Loans through telesales. It gave us the support we needed for setup and our central kitchens. Daily deductions don’t touch our bank balance, which helps us maintain healthy cash flow, unlike bank loans that require long-term commitments. The process is mostly self-serve, and my wife monitors it daily, so there’s no reconciliation issue. Overall, we’re very likely to choose Easy Loans again for short-term expansion — the rates are competitive, the loan size is manageable, and it keeps our operations running smoothly.”
– Rajendran, Nandhanas
“Compared to banks, getting a loan through Grab was much easier. We didn’t have to provide a lot of documents, and the whole process was fast since it’s based on our Grab sales data. Repayments are deducted directly from our daily Grab earnings, so we don’t have to touch our existing cash flow. Overall, it’s simple to use and worry-free, the fees are manageable, and we’ll continue using it as we grow our business.”
– Syafiq, Ashes Burnnit
What can you do with Easy Loans?
Stay cash-ready during peak seasons
Stock up on inventory with ease
Keep your monthly cash flow steady
Cover payroll and staff bonuses
Drive more sales with Grab ads
Expand your outlet & level up your equipment
Frequently asked questions
Repayments are made from your Grab earnings on the first 27 days of the month. This helps you with your month end closing.
As a result, the repayment amount formula is based on your chosen loan amount divided by the tenure multiplied by the number of deduction days. For example: SGD 100,000/ (12 months * 27 days)
You can explore other financial solutions offered by GXS, our digibank affiliate. Visit https://www.gxs.com.sg/flexiloan to learn more.
If you don’t see a pre-approved offer, simply enter your preferred loan amount and tenure — we’ll review your details and get in touch shortly.
You will receive funds within 5 business days after you submit your request, subject to GrabFinance’s approval.
You will be able to easily reconcile payouts and repayments via the GrabMerchant Portal. You will also receive a monthly Statement of Account. You may also request for a Statement of Account anytime at smelending.sg@grab.com.
There is a one-time fee that will be deducted upfront from the loan amount.
In order to provide you with a higher loan amount, your current loan is offered to you based on the earnings assessment of all the stores under your Merchant ID. Daily deductions may be made across all your stores, to help you manage your repayments.
Your repayments will be deducted in order of the highest earning to lowest earning store each day, until the daily amount has been repaid.
- In the event that Grab is unable to deduct the daily repayment amount from your highest earning store in full, the outstanding balance will be deducted from the next highest earning store.
- Scenario 1: Full deduction from the highest earning store. E.g. If daily repayment owed is $10, full deduction is executed from the highest earning store that has $10.
- Scenario 2: Full deduction across highest earning stores within same day. E.g. If daily repayment owed is $10 and no one store has $10, partial deduction is from highest earning stores: Store A for $7 and Store B for $3 to complete the $10 deduction.
- Scenario 3: Partial deduction from top highest earning stores E.g. If stores do not have enough earnings for the $10, partial deduction will be from the top earning stores: Store A for $3 and Store B for $3. The remaining $4 will be deducted the next day.
There are 2 ways on where you will be able to get a consolidated view of your daily deductions:
- Via the Grab Merchant Portal
- Step 1: Login to the Grab Merchant Portal
- Step 2: Select the date range you wish to check
- Step 3: Click on the Download
- Step 4: Open the csv file. It will showcase all the store transactions including the deductions for your loan.
- Upon request for a Statement of Account (SOA) by reaching out to GrabFinance at smelending.sg@grab.com.
However, do note that the SOA can only be requested within the first week of the month, and the turnaround time in receiving the SOA will be from 1 to 3 business days.
Fret not, the one-time fee will remain the same despite Grab deducting from multiple stores. We are still retaining the upfront one-time fee deduction from your approved loan amount.
At the moment, repayments will be automatically deducted from stores with the highest collection.
