Working Capital

Accounts Receivable Purchase

Unlock cash from your receivables

Improve your cash flow by monetising your receivables and protect your company against buyer credit risk with DBS Accounts Receivable Purchase (ARP). Simply submit your invoices and credit notes to us, and we’ll give you access of up to 90% of the value. In the case of your exports, you could also be guaranteed up to 100% credit protection against buyer default in the event of insolvency and/or if the buyer is unable to pay after a predetermined period of time following the invoice due date. You may even save on time spent collecting payments from your buyers because we’ll pick up the collection duties and provide the necessary reconciliation services to improve your efficiency.


How ARP works:

  1. As the seller, you enter into a Receivables Purchase Agreement (RPA) with DBS
  2. We purchase your receivables and you legally transfer the title of the receivables to us
  3. When the invoice is due, your buyers make payment directly to us


Benefits of ARP:

  • Credit protection of buyers’ default risks for exports
  • Immediate liquidation of receivables to cash
  • Collection and reconciliation of receivables from buyers
  • Financing without the need for additional collaterals


Why choose DBS Accounts Receivable Purchase?

  • Leverage our Asian insights and connectivity as you grow your business domestically and overseas. DBS is the first Asian bank with a strong regional ARP network across Singapore, Hong Kong, Taiwan, India, Indonesia and China
  • Benefit from our award-winning experience. We were named Best ECA-backed facility, Best Trade Finance Solution and Best Structured Trade Finance Solution at The Asset Triple A Transaction Banking Awards 2013, We also won the Best Structured & Commodity Trade Solution Of The Year In Southeast Asia at the 6th Annual Alpha Southeast Asia Deal & Solution Awards 2012
  • Ensure the smooth on-boarding of your ARP facility with the help of our dedicated sales team


What are the benefits of financing from ARP as opposed to a normal trade facility?

When you use a normal trade facility, you receive funding based on your own company financials. With an ARP solution, the quality of the receivables is also assessed.

In which countries can you provide credit cover?
We can support your sales all over the world, depending on the credit standing of your buyer. Simply provide us with their details and we’ll assess accordingly.
What documents do I need to provide to do ARP on a transactional level?
Once your ARP facility is approved, you will usually need to provide the invoice and proof of delivery.


How do I apply?

Simply email us at and we will arrange for a Relationship Manager to contact you. We will require details about your trading experience with your buyers.