From waiting to winning: How SMEs can turn unpaid invoices into growth capital

For small and medium-sized enterprises (SMEs), growth can often feel like an uphill climb. Two challenges come up repeatedly: managing cash flow and keeping pace with digitalisation. Cash flow affects day-to-day stability and determines whether a business can confidently expand or take on larger projects.

At the same time, without the right digital tools, SMEs risk losing productivity, efficiency, and sales opportunities in an increasingly competitive market.

Apart from managing cash flow pressures, sustainable growth requires more than just financial support. Businesses need technology that empowers them to work smarter, serve customers better, and make informed decisions quickly.

This is where GXS Bank and Singtel are stepping in to help. A home-grown digital bank, GXS Bank offers easy access to financing for SMEs across different growth stages and funding needs, while Singtel, in collaboration with EPOS, is enhancing business capabilities through AI-powered point-of-sale (POS) systems.

Unlocking capital with invoice financing

Accessing capital through invoice financing with GXS Capital, a wholly owned subsidiary of GXS Bank, is one way to manage cash flow pressures.

SMEs with approved customer invoices can submit verified receivables to GXS Capital and receive up to 80 per cent of the invoice value upfront. This immediate disbursement means the SMEs can enjoy liquidity to pursue new businesses or investment opportunities without having to wait for their customer to pay them.

Take, for example, a Singtel supplier with an approved invoice. If the supplier submits the invoice to GXS Capital, it will receive up to 80 per cent of the invoice value upfront. When the invoice is due, Singtel will settle the invoice with GXS Capital.

The supplier will receive the remaining 20 per cent balance less the special exclusive interest rate and associated fees. Singtel and NCS suppliers will enjoy special pricing, levelling the playing field with preferential rates usually reserved for large enterprises¹.

Access capital without being hindered by long payment terms

SMEs can now improve their working capital by converting unpaid invoices into instant cash with GXS Capital.

They can access up to $1 million in funding, enjoy the flexibility to choose which invoices to finance, benefit from fast, same-day approvals, and take advantage of low interest rates with transparent fees.

This solution allows business owners like Sheagar TM Veloo, director at Greatsea Marine, a local engineering company to respond quickly to opportunities and build resilience in uncertain conditions.

“Having GXS Capital as our partner in invoice financing was a good management choice. Their commitment and flexibility boosts our confidence to take up more projects,” he says.

Smarter way to manage sales and operations

Managing cash flow is only one part of running a business. To keep pace with growth, SMEs also need digital tools that help manage transactions and improve efficiency.

The Singtel Integrated POS Solution, powered by EPOS, is designed specifically for SMEs in the retail and service sectors – from minimarts and salons to gyms, restaurants, and wholesale businesses. It gives business owners the digital backbone they need to drive growth.

With Singtel’s Integrated POS Solution, businesses can save on costs by accepting PayNow cashless payments at zero per cent transaction fees, alongside Nets, credit cards, and QR codes.

They can work smarter by seamlessly connecting with e-commerce platforms such as Shopify and WooCommerce, and integrating with accounting software like Xero and QuickBooks.

At the same time, they can stay in control with real-time inventory monitoring to prevent overstocking or stockouts, and track sales performance down to the last cent.

Enhancing the customer experience

Self-service kiosks in the POS package help SMEs manage limited manpower. Touchscreen terminals, handheld scanners and receipt printers speed up transactions, reduce queues, and improve customer experience, freeing staff to focus on personalised service.

The system actively helps businesses sell more. AI-powered features suggest add-ons at checkout to increase basket size, while data insights highlight bestsellers, forecast demand and uncover promotional opportunities.

In today’s fast-changing business environment, SMEs cannot rely on financial management alone. They need the right combination of capital, digitalisation, and data-driven insights to stay competitive.

GXS Bank, Singtel and EPOS delivers exactly that – giving SMEs the confidence to face day-to-day challenges while focusing on long-term growth.

Learn more about

GXS Capital’s invoice financing

and

Singtel’s Integrated POS solution

, and how it can help your business.

Footnote:

¹ Limited time offer, subject to associated terms and conditions.

Disclaimer:

GXS Business Banking consists of products and services provided by GXS Bank and GXS Capital. GXS Bank holds a banking licence and is regulated by the Monetary Authority of Singapore. GXS Capital operates under the legal entity Validus Capital Pte. Ltd. (a wholly-owned subsidiary of GXS Bank), which holds a Capital Markets Services license for dealing in Capital Markets Products which are securities, issued by the Monetary Authority of Singapore. The Invoice Financing is provided by GXS Capital. GXS Capital terms and conditions apply.

GXS Bank and GXS Capital are separate entities and are not associated with the businesses of Grab, Singtel, or their entities.