What Incomlend does

Incomlend is a Singapore-headquartered digital marketplace founded in 2016 that intermediates cross-border trade finance by connecting three participant groups: exporters seeking early payment on international invoices, importers seeking extended payment terms, and accredited or institutional investors seeking yield on short-duration, credit-insured trade receivables. The platform enables exporters to receive up to 90% of invoice value within 48–72 hours through non-recourse, collateral-free financing backed by credit insurance, while importers can defer repayment up to 120 days after Incomlend settles suppliers within three business days of shipment. Underlying the marketplace are integrated KYC/AML verification, digital invoice and document submission, real-time tracking dashboards, credit insurance integration with global insurers, and ring-fenced trust account structures for fund protection.

The company monetizes through two streams. The primary stream is transaction-based: a spread between the advance rate paid to exporters and the repayment collected from buyers generates platform revenue. A secondary SaaS-style stream consists of three subscription tiers for workspace access (Basic $29/month, Professional $59/month, Premium $79/month), though given the SME-target positioning this stream is likely incidental relative to transaction economics. Distribution is digital-first and self-serve, with sign-up at app.incomlend.com, automated onboarding, and a presence on LinkedIn plus content marketing via a trade-finance blog. Incomlend Capital, a wholly-owned subsidiary, manages fund operations including a Singapore-regulated Variable Capital Company (VCC) launched in February 2025 to channel institutional capital into trade receivables strategies.

The company is privately held and has raised approximately $25 million cumulatively across disclosed rounds, with investors including Peak XV Partners (formerly Sequoia Capital India), CMA CGM, Origin Capital, the International Finance Corporation, and GTR Ventures. Operations span offices in Singapore (HQ), Dubai, Hong Kong, and Gurgaon, serving exporters and importers across more than 50 countries and 20 industries, with cumulative invoices financed reported above $2 billion.

Name

Incomlend

Legal name

INCOMLEND PTE LTD

Website

https://incomlend.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

51–100 employees

Short description

Incomlend is a Singapore-based digital marketplace founded in 2016 that connects SME exporters and importers with accredited investors to provide non-recourse, credit-insured invoice financing across 50+ countries and 20+ industries.

Ownership category

akta.pro rank

Product category

Trade Finance / Invoice Financing

akta.pro primary industry

Invoice Trading / Receivables Marketplace (P2P) (FSAKAHAH)

akta.pro secondary industries

Pre-Export & Export Finance (Working Capital, Packing Credit) (FSABAHAG), Trade Finance, Export Credit & Risk Mitigation (BPADAMAG)

Keywords

• Invoice financing
• Trade finance
• Supply chain finance
• Invoice factoring
• Working capital

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Invoice Financing Fees: Platform charges fees on invoices financed. Exporters receive up to 90% of invoice value upfront; investors earn returns when invoices settle. The spread between advance rate and repayment creates platform revenue.
2. Platform Subscription Tiers: Three-tier subscription model: Basic ($29/month), Professional ($59/month), Premium ($79/month). Access to workspace features, onboarding support, and support duration varies by tier.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Incomlend operates a global digital invoice financing marketplace that connects exporters, importers, and accredited/institutional investors to facilitate cross-border trade finance. Exporters receive up to 90% of invoice value upfront within 48-72 hours via non-recourse, credit-insured financing; importers pay suppliers post-shipment and repay up to 120 days later; and investors earn targeted 8-12% annualized returns on short-duration, credit-insured trade receivables.

Product overview

Incomlend operates as a unified digital marketplace platform for global invoice and supply-chain finance. The core offering comprises three integrated services: (1) Invoice Factoring for exporters to unlock working capital by receiving up to 90% of invoice value upfront within 48-72 hours; (2) Buyer-Driven Factoring for importers enabling supplier payments within three days post-shipment with repayment terms up to 120 days; and (3) Trade Receivables Investment for accredited/institutional investors offering short-duration (30-120 day), credit-insured opportunities targeting 8-12% returns. Incomlend Capital, a subsidiary brand, manages fund management operations including the recently launched Variable Capital Company (VCC) structure for institutional investors. All transactions flow through the digital platform with KYC/AML verification, credit insurance, and trust account structures for fund protection.

Differentiator

Problem solved

Functional benefit

Products and services

• Incomlend Platform A global digital invoice financing marketplace that connects exporters, importers, and accredited investors to facilitate cross-border trade finance, including invoice submission, verification, funding, and settlement tracking.
• Invoice Factoring for Exporters Enables exporters to receive up to 90% of invoice value upfront within 48-72 hours on eligible export receivables. Non-recourse, collateral-free financing backed by credit insurance on insured international buyer receivables.
• Buyer-Driven Factoring for Importers Allows importers to secure supplier payments post-shipment within three business days while extending repayment terms up to 120 days. Off-balance sheet solution preserving existing bank credit facilities.
• Trade Receivables Investment Short-term, asset-backed investment opportunities in credit-insured trade receivables with 30-120 day maturities, targeting 8-12% annualized returns for accredited and institutional investors.
• Incomlend Capital VCC Fund A wholly-owned subsidiary of Incomlend specializing in fund management with focus on trade receivables and short-duration private credit. Operates the Singapore-regulated Variable Capital Company (VCC) structure offering institutional investors a flexible, transparent investment vehicle with enhanced controls and segregation of assets and liabilities in sub-funds.

Quantifiable outcome

• Invoices financed within 48-72 hours vs. weeks for traditional factoring
• +4 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Scale indicators8 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• C2FO: Global working-capital marketplace connecting businesses with institutional funders, directly comparable to Incomlend's model of intermediating receivables between corporates/SMEs and capital providers.
• PrimeRevenue: Large supply-chain finance platform offering receivables discounting and dynamic discounting to corporates and their suppliers — overlapping directly with Incomlend's invoice financing product.
• Taulia: Supply-chain finance and working-capital platform (now part of SAP) offering invoice discounting and dynamic discounting; competes with Incomlend for global SME and mid-market supplier financing volume.
• LiquidX: Trade-finance network and receivables marketplace serving corporates and financial institutions, comparable to Incomlend in intermediating receivables investments on a global, digital-first basis.
• MarketFinance (formerly MarketInvoice): UK-based invoice financing and business lending marketplace; comparable in operating a digital two-sided marketplace between SMEs needing working capital and investors seeking yield.
• BlueVine: Online invoice factoring and business banking platform targeting SMBs; comparable to Incomlend in providing fast, digital invoice advances to SMEs backed by third-party capital.

Regional players

• KredX: India-based invoice discounting and supply-chain finance marketplace; competes with Incomlend's Gurgaon operations for South Asian SME working-capital demand and connects to a similar investor base.

Emerging players

• Crowdz: Trade-finance marketplace using invoice-tokenisation to connect SMEs with investors; comparable in product thesis to Incomlend but at earlier stage and with a more distributed-ledger tilt.

Broad incumbents

• Tradeshift: Broader supply-chain and trade-finance platform combining invoicing networks with financing offerings; overlaps with Incomlend at the trade-finance edge while extending well beyond it.
• HSBC Trade Finance: Global bank's incumbent trade-finance franchise spanning letters of credit, receivables financing, and supply-chain finance; represents the legacy competitor Incomlend is positioning against for SME cross-border working capital.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/17893308
• Xx.com/incomlend
• Facebookfacebook.com/incomlend

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds3 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Incomlend