SGeBIZ
SGeBIZ (Singapore E-Business Pte. Ltd.) is a MAS-licensed Singapore fintech operating a B2B cloud procure-to-pay platform for SMEs and enterprises, integrating procurement automation, payments, embedded financing, and e-invoicing across Southeast Asia.
- Company typePrivate
- Founded2014
- HeadquartersSingapore, Singapore
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What SGeBIZ does
SGeBIZ (legal entity: Singapore E-Business Pte. Ltd.) is a privately held Singapore fintech founded in 2014 that operates a B2B cloud-based procure-to-pay (P2P) platform connecting buyers and suppliers across Singapore and Southeast Asia. Its product stack spans two core pillars: procurement automation (EzyProcure for order management, EzyInventory for stock and COGS tracking, CalcMenu for recipe and allergen standardisation, EzySource as a curated B2B marketplace, and EzyAccessPoint for PEPPOL-certified e-invoicing) and payment/collection automation (EzyPayment for card-based B2B payments, EzyPayment Global for cross-border settlements, EzyPayment eGIRO as part of Singapore's national digital GIRO initiative, Pay by Account API for third-party checkout, and Embedded Financing offering BNPL credit up to S$150,000 with 60-day terms). Underlying technical components include SFTP/API data portability into SAP, Xero, and Microsoft Dynamics, AI-driven OCR for paper invoice reconciliation, and an AI-powered negotiation bot for marketplace sourcing.
The company generates revenue through a mix of transaction-based fees on payment processing (0.955–1.2% per transaction, varying by bank partner), a 3% service fee on BNPL credit extended, and subscription-based licensing for procurement modules (eligible for up to 50% PSG government subsidy under IMDA's SMEs Go Digital programme). It operates a hybrid go-to-market combining direct enterprise sales, a self-serve digital onboarding flow, a partner channel of consultants and fintechs, and bank-distributed commercial card programmes with HSBC, CIMB, Maybank, DBS, OCBC and UOB. SGeBIZ holds a Major Payment Institution license from the Monetary Authority of Singapore (PS20200488), is PCI DSS compliant, and serves 4,000+ businesses with cumulative platform volumes of S$450M transacted and 1.79M+ orders across an F&B-heavy customer base that includes Creative Eateries, Fullerton Healthcare, Hai Di Lao, Seoul Garden, and major food distributors such as Coca-Cola, Phoon Huat, Angliss and Indoguna. The company is led by Founder and Group CEO Edmund Louis Nathan and Deputy CEO Soumen Sircar, with offices in three countries.
SGeBIZ firmographics
Firmographics- Name
- SGeBIZ
- Legal name
- Singapore E-Business Pte. Ltd.
- Website
- https://sgebiz.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- SGeBIZ (Singapore E-Business Pte. Ltd.) is a MAS-licensed Singapore fintech operating a B2B cloud procure-to-pay platform for SMEs and enterprises, integrating procurement automation, payments, embedded financing, and e-invoicing across Southeast Asia.
- Ownership category
- akta.pro rank
SGeBIZ industry classification
Industry- Product category
- Procure-to-Pay Platform
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Procurement, Vendor Management & Purchase-to-Pay (P2P) (FSAGAJAK)
- akta.pro secondary industries
- Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC), SME & Business Cross-Border Payments (B2B) (FSAMAIAB), B2B BNPL (Invoice Split/Net Terms for SMB Procurement) (FSAKACAJ)
Keywords
Where SGeBIZ is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices3 records
Markets served
SGeBIZ business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Payment Processing Fees: SGeBIZ charges transaction fees on business payments made through its EzyPayment platform. Fees vary by card type - e.g., 1.2% for HSBC Commercial Cards, 0.955% for CIMB Business Credit Cards with 0.5% cashback, and 0% promotional rate for Maybank Business Platinum Cards.
- Embedded Financing (BNPL) Fees: The Buy Now Pay Later feature charges 3% business service fee on credit extended. Credit up to S$150,000 with 60-day repayment period.
- E-invoicing Services: EzyAP InvoiceNow enables e-invoicing through PEPPOL network for GST-registered businesses as mandated by IRAS.
- Procurement Platform Licensing: EzyProcure is a PSG-certified Pre-Approved Solution under IMDA SMEs Go Digital programme. SMEs are eligible for up to 50% Productivity Solutions Grant support for adoption.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | EzyPayment - HSBC Commercial Cards |
| Transaction based/ take rate | Pay-as-you-go | EzyPayment - CIMB Business Credit Cards |
| Transaction based/ take rate | Pay-as-you-go | EzyPayment - Maybank Business Platinum Cards |
| Transaction based/ take rate | Pay-as-you-go | Embedded Financing (BNPL) |
| Subscription | Annual | EzyProcure Platform |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels10 records
SGeBIZ product offering
Product offeringCore offering
SGeBIZ operates a cloud-based B2B procure-to-pay platform that digitises and integrates procurement, accounts payable, and payment workflows for SMEs and enterprises. Its suite spans EzyProcure (order/inventory/recipe management and supplier sourcing), EzyPayment (domestic and cross-border card and bank payments, eGIRO), embedded BNPL financing, PEPPOL InvoiceNow e-invoicing, and a Pay by Account API, connecting buyers and suppliers on a single network with ERP/accounting integrations.
Product overview
SGeBIZ offers a unified Procure-to-Pay (P2P) platform consisting of core products and interconnected modules. The flagship EzyProcure handles procurement automation (order management, inventory, recipes, sourcing), while EzyPayment manages payment and collection processes including domestic, international (EzyPayment Global), and eGIRO capabilities. Additional modules include Embedded Financing (BNPL), EzyAccessPoint for InvoiceNow e-invoicing, and Pay by Account API. The platform connects buyers and suppliers with real-time data, integrates with accounting software (Xero, SAP, Microsoft Dynamics), and is PSG-certified for SMEs.
Differentiator
Problem solved
Functional benefit
Brands
- EzyProcure: All-in-one procurement platform for digitizing purchase orders, goods receiving, invoice reconciliation, and supplier management.
- EzyPayment
- CalcMenu
- EzyInventory
- EzySource
- EzyPayment Global
- EzyPayment eGIRO
- Pay by Account
- EzyAP (EzyAccessPoint)
- Embedded Financing
Products and services
- EzyProcure
Quantifiable outcome
- 70% productivity boost for procurement teams
- +6 more outcomes
Companies that use SGeBIZ
Customer profileNamed customers15 records
Segments5 records
Ideal customer profiles3 records
SGeBIZ technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability4 records
Feature12 records
SGeBIZ partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core, key and support.
- MastercardcoreMastercard is a key partner enabling payment processing on the EzyPayment platform. SGeBIZ facilitates payments via credit cards on its platform, integrating with Mastercard's commercial card infrastructure for business payments.
- VisacoreVisa is a key partner enabling payment processing. EzyPayment integrates with Visa's commercial card network for business payment solutions.
- SAPcoreSAP integration allows customers to connect SGeBIZ procurement and payment data with SAP ERP systems for seamless backend accounting and financial management.
- XerocoreXero integration enables small businesses to connect SGeBIZ payment data with Xero accounting software for automated bookkeeping and reconciliation.
- Microsoft DynamicscoreMicrosoft Dynamics integration allows enterprise customers to connect SGeBIZ procurement workflows with Dynamics ERP for unified financial management.
- IMDA (Infocomm Media Development Authority)coreIMDA is a key government partner for the SMEs Go Digital programme. EzyProcure is a Pre-Approved Solution under this programme. IMDA also oversees the InvoiceNow nationwide e-invoicing framework where SGeBIZ is a certified solution provider.
- Enterprise SingaporecoreEnterprise Singapore partners with SGeBIZ to support SME digitalization. The agency promotes adoption of SGeBIZ solutions as part of government initiatives for business productivity improvement.
- Association of Banks in Singapore (ABS)coreSGeBIZ participates in the eGIRO initiative led by ABS as part of Singapore's Smart Nation Initiative. Eight Singapore banks including DBS, OCBC, UOB, Maybank, HSBC, and others are part of the eGIRO launch.
- HSBCkeyHSBC commercial card holders can use EzyPayment with promotional fee of 1.2% per transaction. The partnership enables HSBC business customers to pay suppliers through the platform while earning card benefits.
- CIMBkeyCIMB Business Credit Card holders enjoy 0.955% fee on EzyPayment with 0.5% unlimited cashback. Joint promotion to expand card utility for business payments.
- MaybankkeyMaybank Business Platinum Card holders receive 0% transaction fee on EzyPayment during promotional period. Partnership enables Maybank's commercial card customers to access digital payment solutions.
- DBS BankkeyDBS Bank participates in the eGIRO launch enabling corporate customers to set up automatic payment instructions digitally through SGeBIZ platform.
- OCBC BankkeyOCBC Bank participates in eGIRO initiative for digital GIRO setup. OCBC corporate customers benefit from streamlined payment setup through SGeBIZ.
- UOB BankkeyUOB Bank participates in eGIRO initiative. UOB corporate customers gain access to digital GIRO payment solutions through SGeBIZ.
- Singapore FinTech Association (SFA)supportSFA is a fintech industry association that SGeBIZ partners with as part of Singapore's fintech ecosystem. Membership supports networking and industry collaboration.
- Singapore Business Federation (SBF)supportSBF is a chamber of commerce partnership that helps SGeBIZ connect with Singapore businesses. Supports SME outreach and business matching activities.
Scale indicators7 records
Recent moves7 records
Expansion highlights6 records
SGeBIZ competitors and assessment
Company assessmentDirect peers
- Procurify: Procurify is a cloud-based procure-to-pay platform purpose-built for mid-market and SMB customers, covering purchase orders, approvals, vendor management, and AP automation. It competes with SGeBIZ's EzyProcure for the same SME procurement buyer and serves as the closest global functional peer in the P2P-for-SMB niche.
- Aspire: Aspire is a Southeast Asia-focused B2B fintech providing corporate cards, payments, and spend management to SMEs — directly comparable to SGeBIZ's payment and BNPL modules for the same SME buyer profile in the same region.
- Airwallex: Airwallex is a cross-border payments and B2B financial infrastructure provider operating across Asia-Pacific. EzyPayment Global targets the same SME cross-border payment use case as Airwallex's business accounts and FX products.
- Cin7 (formerly TradeGecko): Cin7 provides cloud inventory and order management software for SMEs, including procurement-light workflows. SGeBIZ's EzyInventory and order management modules compete in adjacent SME back-office software categories.
Broad incumbents
- Coupa Software: Coupa is a large, established spend management and P2P platform serving enterprise and mid-market customers across procurement, invoicing, payments, and supplier management. Overlaps broadly with SGeBIZ's P2P offering but at much larger scale and without SME/Southeast Asia focus.
- SAP Ariba: SAP Ariba is the global category leader in B2B procurement and supplier networks, integrating with SAP ERP. While it competes only at the high end of SGeBIZ's addressable market, large enterprise customers exploring a P2P platform will frequently compare Ariba against regional alternatives like SGeBIZ.
- Zip (formerly Quadpay): Zip is an established global BNPL and enterprise payments platform. While primarily consumer, Zip's B2B and merchant-side financing offerings overlap with the longer-tail of SGeBIZ's BNPL and merchant credit ambitions.
Emerging players
- Funding Societies: Funding Societies is a Southeast Asia SME financing and B2B fintech platform offering working capital, term loans, and invoice financing. Its SME credit and marketplace financing models map to SGeBIZ's embedded BNPL and B2B financing ambitions.
- Atome: Atome is a leading BNPL provider across Southeast Asia. While Atome focuses on consumer BNPL and SGeBIZ's embedded financing is B2B, both operate in the same regional pay-later category and often appear on the same competitive shortlists for Southeast Asian BNPL distribution.
- Stampli: Stampli is an AI-driven AP automation and invoice management platform with B2B payments and supplier network features. Comparable to SGeBIZ's combination of invoice reconciliation (AI-driven OCR), AP automation, and embedded payment rails.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
SGeBIZ social profiles
Digital presenceSGeBIZ compliance and trust
Trust signalCompliance3 records
SGeBIZ financial estimates
Financial estimateRevenue estimate
Valuation estimate
SGeBIZ leadership team
Management profileNumber of profiles
Profiles4 records
SGeBIZ funding detail
Funding detailFunding overview
Funding rounds3 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SGeBIZ M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about SGeBIZ
What does SGeBIZ do?
SGeBIZ operates a cloud-based B2B procure-to-pay platform that digitises and integrates procurement, accounts payable, and payment workflows for SMEs and enterprises. Its suite spans EzyProcure (order/inventory/recipe management and supplier sourcing), EzyPayment (domestic and cross-border card and bank payments, eGIRO), embedded BNPL financing, PEPPOL InvoiceNow e-invoicing, and a Pay by Account API, connecting buyers and suppliers on a single network with ERP/accounting integrations.
Is SGeBIZ a public or private company?
SGeBIZ is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was SGeBIZ founded?
SGeBIZ was founded in 2014. It employs 11 to 50 people.
Where is SGeBIZ based?
SGeBIZ is headquartered in Singapore, Singapore, in the Asia region.
How does SGeBIZ make money?
Four revenue lines are on record. Payment Processing Fees are the primary driver. The others are embedded Financing (BNPL) Fees, E-invoicing Services and procurement Platform Licensing.
Who are SGeBIZ's main competitors?
Direct peers on record are Procurify, Aspire, Airwallex and Cin7 (formerly TradeGecko). Broad incumbents are Coupa Software, SAP Ariba and Zip (formerly Quadpay). Emerging players are Funding Societies, Atome and Stampli.
Does SGeBIZ have an API?
Yes. Pay by Account API is a collection solution that facilitates payments via bank account on websites, platforms, and marketplaces. Allows customers to link their bank accounts for checkout payments. SFTP/API data portability mentioned for receiving data into back-end accounting and ERP platforms.
What industry is SGeBIZ in?
SGeBIZ's product category is Procure-to-Pay Platform. Its primary akta.pro industry code is FSAGAJAK, Procurement, Vendor Management & Purchase-to-Pay (P2P), with a secondary code of FSAGAJAC, Invoicing, Billing & Accounts Receivable Automation. Its NAICS code is 5222 and its SIC code is 6153.