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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 0.7%.


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


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

Nicholas and Vincent

Flesh Imp, Singapore-based fashion label

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
SGD 25,000.00
Total interest
SGD 3,897.73
SGD 1,250.00
Total payable
SGD 30,147.61

Is my SME eligible?

Get in touch if this sounds like your business.

Limited liabilitypartnership or company

200 staffor fewer

30%+ ownedby a Singapore citizen or PR

6+ monthsin 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 customers near you
Learn more


How do I draw down from my GrabFinance Merchant Credit Line?

Simply submit a request and we’ll transfer the funds to your bank account.

Drawdowns are disbursed every Tuesday and Thursdays on request.

Can I have more than one drawdown at a time?
Of course! So long as you haven’t reached your Merchant Credit Line limit, you can draw down as much and as often as you need to.
What fees apply to GrabFinance loans and credit lines?

There’s no application or repayment fee. Just:

Monthly interest: As low as 0.7%, 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.

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.

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.