Poss Capital
- Company typePrivate
- Founded2022
- HeadquartersSingapore, Singapore
- Headcount1–10
- GTM typeB2B
- OfferingServices
Poss Capital firmographics
Firmographics- Name
- Poss Capital
- Legal name
- Poss Capital Pte. Ltd.
- Website
- https://poss.sg
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Poss Capital industry classification
Industry- Product category
- SME Business Lending
- NAICS
- Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- B2B Trade Credit at POS (SME Installment/Invoice-at-Checkout) (FSAKAFAO)
- akta.pro secondary industry
- Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)
Keywords
Where Poss Capital is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices1 record
Markets served
Poss Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Others
Revenue model
- Interest and Factor Fees on Loans: Poss Capital generates revenue through interest charged on Quik unsecured business loans at 1.2% per month and factor fees on Payd invoice financing at 1.2% per month. Fees are deducted upfront for Quik (one-time processing fee).
- Invoice Financing (Payd): Revenue from invoice financing where Poss advances up to 80% of invoice value and charges factor fees, with repayment structured in 3 equal monthly instalments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Quik - Unsecured Business Loan: Up to S$100,000, up to 12 months tenure, interest from 1.2% per month, monthly repayment, one-time processing fee deducted upfront |
| Transaction based/ take rate | Monthly | Payd - Invoice Financing: Up to S$100,000 or 80% of invoice amount, factor fee from 1.2% per month, repay in 3 equal monthly instalments |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
Poss Capital product offering
Product offeringCore offering
Poss Capital provides flexible digital business financing to Singapore SMEs through two products: Quik (unsecured business loans up to S$100,000, 1-12 months tenure, interest from 1.2% per month) and Payd (invoice financing advancing up to 80% of invoice value up to S$100,000, factor fee from 1.2% per month, repayable in 3 monthly instalments). All applications are submitted, verified (via Singpass/CorpPass), e-signed, and disbursed online through its proprietary platform at app.poss.sg, with approvals typically within 24-48 hours and funds disbursed within 24 hours of agreement completion.
Product overview
Poss Capital is a Singapore-based fintech company specializing in flexible business financing solutions for SMEs. The company offers two core products: Quik (an unsecured business loan providing up to S$100,000 with 1-12 month tenures and interest from 1.2% per month) and Payd (invoice financing enabling access to up to 80% of invoice values with repayment in 3 equal installments). Both products feature fast online applications, transparent fee structures, and no early repayment penalties, targeting Singapore-based SMEs including Limited Liability Partnerships and Exempt Private Companies.
Differentiator
Problem solved
Functional benefit
Brands
- Quik: Unsecured business loan product offering up to S$100,000 with interest from 1.2% per month and tenure up to 12 months.
- Payd
Products and services
- Quik Quik is an unsecured business loan offering fast approval with transparent fees and no early repayment penalties. It provides Singapore-incorporated SMEs and LLPs with loans of up to S$100,000 for tenures of up to 12 months at interest rates starting from 1.2% per month, with monthly repayment and a one-time processing fee deducted upfront.
- Payd Payd is an invoice financing product that enables Singapore SMEs to access up to 80% of their invoice value (capped at S$100,000) by using account receivables as collateral. It charges a factor fee from 1.2% per month, with repayment structured into 3 equal monthly instalments and a one-time processing fee deducted upfront.
Quantifiable outcome
- Application approval within 24-48 hours
- +1 more outcomes
Companies that use Poss Capital
Customer profileSegments1 record
Ideal customer profiles1 record
Poss Capital technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Poss Capital partnerships and signals
Strategic signalScale indicators1 record
Recent moves4 records
Expansion highlights3 records
Poss Capital competitors and assessment
Company assessmentRegional players
- KoinWorks: KoinWorks is an Indonesia-headquartered digital lending platform offering SME and consumer financing across Southeast Asia. It is a regional comparable for SME digital lending with an overlapping product philosophy, though it serves a broader geography than Poss Capital's Singapore-only footprint.
- FINTQ: FINTQ is the Philippines' first fully digital lending marketplace for SMEs, offering short-term loans and invoice financing. It is a regional comparable for SME digital lending with similar product constructs in a different geography.
- Lendingkart: Lendingkart is an India-focused SME working capital lender using alternative data and digital origination. It is a comparable SME digital lender with similar underwriting and product structure, though operating in a different geography.
Direct peers
- Validus Capital: Validus Capital is a Singapore-based fintech providing SME working capital loans and invoice financing/fintech supply chain finance. It directly mirrors Poss Capital's Quik and Payd-style offerings to Singapore SMEs.
- MoolahSense: MoolahSense is a Singapore-based P2P/fintech SME lending platform that provides business loans and invoice financing to local SMEs. It targets the same horizontal SME segment as Poss Capital with comparable short-tenure credit products.
- Aspire: Aspire is a Singapore-headquartered SME fintech offering business accounts and integrated financing (working capital and invoice financing) for SMEs. It overlaps with Poss Capital on SME lending and shares the same Singapore SMB customer base.
- Funding Societies (Modalku): Funding Societies is a Southeast Asia SME digital lending platform offering business loans and invoice financing. It is one of the most established direct competitors in Singapore SME lending, with a comparable product set and target segment.
Emerging players
- CapitalMatch: CapitalMatch is a Singapore-based P2P invoice financing and SME lending marketplace. It directly overlaps with Poss Capital's Payd invoice financing offering for Singapore SMEs, though at a smaller scale.
Others
- Fintech Solutions (FinScore/Octus): Fintech Solutions and adjacent SME credit data/risk analytics providers supply alternative-data credit infrastructure to SME lenders. They are adjacent ecosystem participants whose tools are comparable to Poss Capital's data-driven underwriting approach.
Broad incumbents
- Turnkey Lender: Turnkey Lender is an established global lending automation and credit decisioning platform used by SME and consumer lenders. It represents a broader incumbent in SME digital lending infrastructure that competitors like Poss Capital could either partner with or compete against on automation.
Market position
Strengths2 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Poss Capital social profiles
Digital presencePoss Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Poss Capital leadership team
Management profileNumber of profiles
Poss Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Poss Capital 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 Poss Capital
What does Poss Capital do?
Poss Capital provides flexible digital business financing to Singapore SMEs through two products: Quik (unsecured business loans up to S$100,000, 1-12 months tenure, interest from 1.2% per month) and Payd (invoice financing advancing up to 80% of invoice value up to S$100,000, factor fee from 1.2% per month, repayable in 3 monthly instalments). All applications are submitted, verified (via Singpass/CorpPass), e-signed, and disbursed online through its proprietary platform at app.poss.sg, with approvals typically within 24-48 hours and funds disbursed within 24 hours of agreement completion.
Is Poss Capital a public or private company?
Poss Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Poss Capital founded?
Poss Capital was founded in 2022. It employs 1 to 10 people.
Where is Poss Capital based?
Poss Capital is headquartered in Singapore, Singapore, in the Asia region.
How does Poss Capital make money?
Two revenue lines are on record. Interest and Factor Fees on Loans are the primary driver. The others are invoice Financing (Payd).
Who are Poss Capital's main competitors?
Regional players on record are KoinWorks, FINTQ and Lendingkart. Direct peers are Validus Capital, MoolahSense, Aspire and Funding Societies (Modalku). CapitalMatch is listed as an emerging player. Fintech Solutions (FinScore/Octus) is listed as an others. Turnkey Lender is listed as a broad incumbent.
Does Poss Capital have an API?
No public API is recorded for Poss Capital.
What industry is Poss Capital in?
Poss Capital's product category is SME Business Lending. Its primary akta.pro industry code is FSAKAFAO, B2B Trade Credit at POS (SME Installment/Invoice-at-Checkout), with a secondary code of FSAKAGAE, Supply Chain Finance (Trade Credit, PO/Inventory Financing). Its NAICS code is 52222 and its SIC code is 6153.