Nufin Data

What Nufin Data does

Nufin Data is a Singapore-based private fintech founded in 2017 that operates the NEMO (New Efficiencies, More Options) platform to provide supply chain financing to small and medium-sized enterprises and corporate clients. The company delivers two core product lines through NEMO: Accounts Receivable (AR) financing and factoring for suppliers seeking faster payment on invoices, and Accounts Payable (AP) financing and reverse factoring for buyers seeking extended payment terms. The NEMO platform is a proprietary cloud-based system that integrates blockchain/distributed ledger technology (used to maintain transaction integrity and prevent double financing), InvoiceNow-enabled invoice processing, e-signature workflows, and a document-upload credit assessment workflow.

Nufin Data generates revenue on a transaction-fee basis, charging interest starting from 0.8% per month on financed invoices plus transparent processing fees, with funds disbursed within two business days of approval and no collateral required. The company operates a sales-led go-to-market model using direct sales, inside sales, and a self-serve digital channel on NEMO, distributing primarily to the Singapore domestic market across at least seven industry verticals: wholesale trade, construction, food and beverage, food manufacturing, logistics, healthcare, and housing development. Marketing is concentrated on content and thought-leadership (blog/insights), targeting both SMEs and corporate clients. The company is led by CEO Tan J.K., Chairman Teo Ser Luck, and Managing Director Denise Ang, with 11-50 employees and headquarters at 4 Ayer Rajah Crescent, Singapore. Cumulative financed invoice value on the platform is reported at $294,757,591.

Name

Nufin Data

Legal name

Nufin Data Pte Ltd

Website

https://nufindata.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Nufin Data is a Singapore-based fintech that operates the NEMO platform to provide supply chain financing — AR/AP financing, factoring, and reverse factoring — to SMEs and corporate clients in Singapore via transaction-fee revenue on financed invoices.

Ownership category

akta.pro rank

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Invoice Financing Interest: Revenue generated from interest charged on invoice financing and factoring services. Interest rates start from 0.8% per month on financed invoices.
2. Processing Fees: Transparent processing fees charged on financing transactions. No hidden charges - only interest and processing fee.
3. Supply Chain Financing Services: Revenue from reverse factoring and accounts payable financing solutions for buyers and suppliers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Nufin Data provides supply chain financing solutions through its proprietary cloud-based NEMO (New Efficiencies, More Options) platform. The platform connects buyers, suppliers, and funders on a single interface, offering Accounts Receivable (AR) financing and factoring, Accounts Payable (AP) financing, and reverse factoring. Leveraging blockchain, e-signature, and InvoiceNow capabilities, Nufin delivers collateral-free trade-based financing at interest rates starting from 0.8% per month, with funds disbursed within two business days of approval.

Product overview

Nufin Data offers a single unified product called the NEMO Platform, which is a proprietary cloud-based supply chain financing platform. The platform integrates two core financing services: Accounts Receivable (AR) Financing & Factoring and Accounts Payable (AP) Financing. All services are delivered through the NEMO platform, enabling buyers, suppliers, and funders to connect on a single integrated system for invoice financing and management.

Differentiator

Problem solved

Functional benefit

Brands

• NEMO (New Efficiencies, More Options): Proprietary cloud-based platform that leverages blockchain, e-signature, and InvoiceNow capabilities to bring together buyers, suppliers, and funders for efficient supply chain financing solutions.

Products and services

• NEMO Platform

Quantifiable outcome

• Funds disbursed within 2 business days or less upon approval
• +2 more outcomes

Segments9 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• InvoiceNowcoreTechnology or IntegrationInvoiceNow enabled platform capability for seamless invoice processing and management. This is a core integration for the NEMO platform functionality.

Scale indicators1 record

Recent moves1 record

Expansion highlights4 records

Others

• Turnkey Lender: Singapore-headquartered lending management software and decisioning platform serving online lenders; comparable in lending technology and credit decisioning capabilities relevant to Nufin's proprietary platform development.

Direct peers

• KoinWorks: Indonesia-headquartered digital lending platform providing invoice financing and SME working capital across Southeast Asia; comparable product set and SME target segment to Nufin Data.
• Validus Capital: Singapore-based fintech offering invoice financing and supply chain financing to SMEs, with a multi-sided platform serving suppliers, buyers and funders — highly comparable in product and geography to Nufin Data.
• Capital Match: Singapore-based peer-to-peer invoice financing and SME working capital platform; comparable in product (invoice financing), geography (Singapore) and target customer (SMEs) to Nufin Data.
• CrediLinq (CreditLinq): Asia-focused embedded invoice financing platform offering API-driven receivable financing for B2B platforms and SMEs; comparable in invoice financing product and digital-first delivery model.
• InvoiceInterchange: Singapore invoice financing marketplace that connects SMEs selling invoices with institutional funders; overlaps directly with Nufin's AR financing/factoring use case and Singapore-focused GTM.
• Funding Societies (Modalku Group): Singapore-headquartered digital financing platform providing working capital, invoice financing and term loans to SMEs across Southeast Asia; the closest direct competitor to Nufin's NEMO proposition in target segment and region.

Emerging players

• Kilde: Singapore-based private debt and structured credit platform operating in SEA; comparable in connecting institutional funders with private credit opportunities and operating in the same regional fintech ecosystem.
• Finaxar: Singapore fintech providing working capital and SME financing solutions; adjacent in target segment (SMEs) and supply chain financing-adjacent products, though with less emphasis on invoice financing.

Broad incumbents

• DBS Bank (Bank of Singapore): Singapore's largest bank offering comprehensive trade and supply chain financing (including AR/AP financing, receivables purchase) for corporates; competes broadly with Nufin Data on AP/AR financing, with a much larger balance sheet and corporate relationships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/nufindata

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

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

M&A

Investments1 record

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

Frequently asked questions about Nufin Data