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Invoice Financing

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Invoice Financing
Product Name Invoice Financing Financial Institution IFS Capital Limited Group Category Asset-Backed Needs Cash Flow
Description: Invoice financing or factoring is a cash flow solution that allows SME to sell its receivables (invoices) to financial institution and receive early payment. This financing solution is useful for SMEs with recurring sales and receivables but are unable to or do not want to wait standard 30 to 60 days to receive payment.
Benefits: a) Fast access to cash flow after invoice submission b) Receive up to 80% of the invoice value c) Flexibility to draw down funds only when required d) Access to online client portal for invoice submission, fund request and transaction views e) Efficient reconciliation of credit, automated invoicing and collection processes
Notes: a) Credit assessment falls on strength of the business's customers (i.e. MNC, Government Agencies, GLCs) b) Competitive pricing due to lowered risk

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You are an accredited investor if you are:
1. An individual −
  1. Whose net personal assets exceed S$2,000,000 (or its equivalent in a foreign currency) in value, of which no more than S$1,000,000 (or its equivalent in a foreign currency) in value is contributed by the net estimated fair market value of his/her primary residence; or
  2. Whose financial assets (net of any related liabilities) exceed S$1,000,000 in value (or its equivalent in a foreign currency); or
  3. Whose income in the preceding twelve (12) months is not less than S$300,000 (or its equivalent in a foreign currency).
2. A corporation with net assets exceeding $10 million in value (or its equivalent in a foreign currency) or such other amount as the Authority may prescribe, in place of the first amount, as determined by −
  1. The most recent audited balance-sheet of the corporation; or
  2. Where the corporation is not required to prepare audited accounts regularly, a balance-sheet of the corporation certified by the corporation as giving a true and fair view of the state of affairs of the corporation as of the date of the balance-sheet, which date shall be within the preceding 12 months;
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1. I am an accredited investor; and/or
2. I have the intent and financial capability to transact not less than S$200,000 (or its equivalent in a foreign currency) per order to be paid in full;
3. I have read the Risk Disclosure Statement and fully understand the risks involved in investing in Debt Securities (applicable to investment in Debt Securities).