--- title: CIMB url: https://credilinq.ai/cimb date: 2026-02-24 modified: 2026-06-09 --- # CIMB ## Fuel your e-commerce business growth with flexible loans*. Pay off your loans as you earn revenue. *CrediLinq has partnered with CIMB Bank Singapore to enable CIMB FlexiPay for ecommerce sellers in Singapore Disclaimer: CrediLinq acts solely as a referrer for CIMB FlexiPay. All credit evaluation, approval, loan terms, and final disbursement decisions are determined solely by CIMB Bank Singapore. Submission of information or joining the waitlist does not guarantee loan approval. ## Trusted by leading marketplaces ## Key Benefits ###### A flexible loan designed for e-commerce Pay-as-you-earn Repayments are automatically deducted from daily deposits based on your selected holdback rate*. On days with no revenue, no repayment is made. Single upfront fee From 3.3% of approved CIMB FlexiPay amount with no interest charges, prepayment penalties, or late fees. Fully digital process Apply online without any physical forms or document submissions. Funds are disbursed to your CIMB Business Account within 2-3 working days. ## Simple 3 step process Apply in minutes. No paperwork, No hassle. ## 1 ## Apply in minutes Share basic contact and company details. Connect your stores. ## 2 ## Get an offer from CIMB Secure a funding estimate as soon as 5-7 working days Transparent terms—no hidden fees, no surprises. ## 3 ## Access your funds & scale Fast approval—withdraw and grow your business immediately. Use funds for inventory, marketing, or expansion effortlessly. Ready to grow with us? Join the waitlist today! ## You’re ready to scale with us if you: • Are a e-commerce seller in Singapore • Have 12+ months sales history on supported platforms (e.g. Amazon, TikTok, Shop, Shopify, eBay, Lazada and Shopee) ## Your seller success hub Expert insights, industry trends, and practical tips to help you scale and thrive. ## More insights, strategies and growth for sellers and platforms. ## Answering your key questions Everything you need to know before getting started ### Who qualifies for funding? You qualify for funding if you: - Operate as an e-commerce seller in Singapore - Have been selling for 12 months or more on supported e-commerce platforms ### How fast can I get approved? We have a simple onboarding process. Apply in minutes, get approved as fast as 5-7 working days, and get funded soon after. ### What marketplaces do you support? We support e-commerce sellers who can connect or upload their store data through Amazon, Shopify, eBay, TikTok Shop, Lazada and/or Shopee. We aim to connect sellers with local, regional, or international ambitions. Stay tuned as the list of marketplaces is growing! ### How does this product compare to traditional bank loans? Traditional financing is slow with complex documentation required, rigid fund drawdown and repayment terms. It is also subjected to hidden charges, interest fees, late fees and lock in periods. Alternatively, CIMB FlexiPay is designed with e-commerce sellers in mind. The flexible loan offers value to customers by being: - Fast and Frictionless: Apply within minutes and get approved as soon as 5-7 working days. - Seamless: Connect your store data and access a credit line without the need for providing collateral or proof of past profitability. - Flexible: Pay-As-You-Earn. On days with no revenue, you pay nothing – ensuring your repayments always align with your cash flow. - Transparent: Pay a single upfront fee with no hidden charges, interest or lock in periods and no penalty for early repayment. ###### *Holdback rate is the percentage of your daily revenue that will go towards repaying CIMB FlexiPay. ## Regulated, Secure, and Built for Scale When you borrow with CrediLinq, you're working with a regulated, independently audited fintech. - **MAS Licensed** — CrediLinq operates under a Capital Markets Services Licence issued by the Monetary Authority of Singapore (MAS), holding us to the highest standards of financial conduct. - **ISO 27001 Certified** — Our information security management system is independently certified, ensuring the data your platform shares with us is governed by verifiable, audited controls. - **Singapore FinTech Association (SFA) Certified** — Certified as a credit assessment and lending provider by the SFA, a recognition acknowledged by MAS, confirming CrediLinq meets the standards expected of a regulated fintech infrastructure partner. - **Trusted by 10,000+ SMBs globally** — Backed by institutional investors including Citi North America, OM/VC, and MS&AD Ventures. ## Related Pages - [Embedded Finance: How It Is Changing Fintech](https://credilinq.ai/blogs/embedded-finance-how-it-is-changing-fintech.md) - [Transforming B2B Payments with Embedded Finance in 2025](https://credilinq.ai/blogs/unlocking-embedded-finance-in-b2b-payments-early-vertical-adopters.md) - [2025 Guide to SME Embedded Finance](https://credilinq.ai/blogs/sme-embedded-finance-everything-you-need-to-know.md) - [How Embedded Finance Boosts Revenue & Loyalty](https://credilinq.ai/blogs/heres-how-embedded-finance-can-help-your-business-earn-more-revenue-and-increase-customer-loyalty.md) - [The Complete Guide to Recurring Revenue Financing](https://credilinq.ai/blogs/everything-you-need-to-know-about-recurring-revenue-financing.md) - [B2B Embedded Finance for Platforms — Power Your Credit Stack](https://credilinq.ai/platforms.md) - [Embedded Finance for Banking and Accounting Platforms](https://credilinq.ai/industries/banking-accounting-platforms.md) - [Embedded Finance for Ecommerce Platforms — Credit as a Service](https://credilinq.ai/industries/e-commerce-platforms.md) - [Embedded Financing Explained — How It Works and Why It Matters](https://credilinq.ai/embedded-financing-explained.md) - [Embedded Finance Company Powering SME Growth Globally](https://credilinq.ai/about-us.md)