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Merchant Credit Line


Get funding when you need it with a flexible, pre-approved line of credit.
Up to
Business lifetime
Purchasing inventory and meeting other short-term needs

Business funding on demand

Whether you need to stock up on inventory, pay freelancers or fund a marketing campaign, GrabFinance’s Merchant Credit Line gives you the flexibility you need, when you need it.

How your GrabFinance Merchant Credit Line works

Get in touch

Complete the form above and we’ll contact you to discuss your eligibility and help you apply.

Receive a credit line

Once approved, you’ll receive a line of up to S$100,000 credit to draw from when you need to.

Request a drawdown

Get quick, hassle-free access to funds when you need it, delivered straight to your bank account.

Repay automatically

Repayments are automatically deducted from your bank account each month.

Why a GrabFinance Merchant Credit Line for your SME?



We’ll get to know your business before offering funding that suits your needs.



No application fee and interest rates from as low as 0.9%.



Quick access to cash when you need it with easy drawdowns up to your credit limit.


icon Without the funds, a lot of these orders can’t be fulfilled. It really helps companies like us. icon

Nicholas and Vincent

Flesh Imp, Singapore-based fashion label

Learn how GrabFinance helped

Calculate your monthly repayment

Use our calculator for an understanding of what your monthly and total repayments might be.
How much would you like to borrow?
How long do you need to pay it back?
Monthly Interest Rate
Your estimated monthly repayment
Total interest
Total payable

Is my SME eligible

Limited liability

partnership or company

200 staff

or fewer

30%+ owned

by a Singapore citizen or PR

6+ months

in operation

Get funding more easily

When you’re a GrabPay or GrabFood partner, we know your business is on the right track. That means we’re more likely to lend to you, and higher amounts too. It’s a win-win with new revenue streams and easier funding.

Accept more payment options in-store

Learn more

Feed millions of hungry consumers near you

Learn more


It can take up to five business days for us to review and approve your completed application and supporting documents. Once accepted, you’ll receive your funds in just a couple of days.

There’s no application or repayment fee. Just:

Monthly interest: As low as 0.9%, computed on a reducing balance basis.

Disbursal fee: 5% of the loan amount.

Late fee: Twice the existing monthly interest rate applicable on the overdue principal amount.

Repayments will be automatically deducted from your bank account at the end of each month.

See more FAQs

This information is intended as a guide only and does not constitute a loan application or offer of finance. Any finance or loan request is subject to GrabFinance’s internal assessment, standard disclaimers and terms and conditions.

See full terms and conditions

Why Partner with Us?


When you start a small business, you’ve got big dreams. And GrabFinance is here to help. We’re committed to empowering SMEs across Southeast Asia with funding, tools and insights so they can reach their goals, no matter what they are.

Have a question? Check out our FAQs

Want to chat?

Complete our form and we’ll be in touch to talk about your business funding needs.

Let us help you

Tell us a little more about yourself and one of our product specialists will be in touch shortly.

Let us help you

Tell us a little more about yourself and one of our product specialists will be in touch shortly.

All Set!

We’ve received your information.
A Grab representative will be in touch with you soon.

Let’s chat about your business needs

Komsan Chiyadis

GrabFood delivery-partner, Thailand

Komsan Chiyadis

GrabFood delivery-partner, Thailand

COVID-19 has dealt an unprecedented blow to the tourism industry, affecting the livelihoods of millions of workers. One of them was Komsan, an assistant chef in a luxury hotel based in the Srinakarin area.

As the number of tourists at the hotel plunged, he decided to sign up as a GrabFood delivery-partner to earn an alternative income. Soon after, the hotel ceased operations.

Komsan has viewed this change through an optimistic lens, calling it the perfect opportunity for him to embark on a fresh journey after his previous job. Aside from GrabFood deliveries, he now also picks up GrabExpress jobs. It can get tiring, having to shuttle between different locations, but Komsan finds it exciting. And mostly, he’s glad to get his income back on track.