Do I need to be an existing Koomi user to apply?

No. New merchants can be funded up to S$75,000 on KoomiPay, or up to S$150,000 when they also adopt KoomiPOS. After 3 months of consistent transactions, you can unlock the full limit of up to S$500,000.

How much can I borrow?

Eligible merchants may access up to S$500,000. The exact amount depends on assessment of your Koomi sales data, eligibility and our banking partners’ approval.

How fast can I get the funds?

Approval can happen within 24 hours, subject to eligibility and checks. Once approved, funds are disbursed within 24–48 hours.

What documents do I need?

Just one: the Director’s Credit Bureau Singapore (CBS) report. Your Koomi transaction data supports the review.

Is any property collateral required?

No. KoomiX is unsecured business financing.

Products/EMBEDDED FINANCIAL SERVICES/KoomiX

KoomiX

F&B financing so light, you barely feel you borrowed. F&B working capital repaid from daily sales

Get up to S$500,000 in pay-as-you-earn working capital, repaid through small fixed daily deductions from your KoomiPay sales — with only 1 document needed. Approval in ~24 hours, funds in 24–48 hours.

Book a demo

pay.koomi.com.sg

PAY

Overview

Payments

Settlements

Payouts

KoomiX

Statements

KoomiX · Working capitalPowered by Finyx

YOU'RE ELIGIBLE FOR UP TO

S$150,000

Pre-approved from your sales

Review offer

Contract KX-0412Active

Facility S$90,000Tenor 12 monthsDaily S$291Ends 30 Sep 2027

46% repaidS$48,320 to go

Daily repaymentsDay 47 of 365

CollectedTodayUpcoming

Thursday, 15 October

9:41

now

Repaid S$291.00 ✓

Deducted from today's sales of S$4,860.

2h ago

You're eligible for more

Top up to S$150,000 in a few taps.

24h

Funds in your account

1 document · no property collateral

KOOMIX · INSIDE YOUR KOOMIPAY PORTAL

Two ways to keep your cash working.

Cash in your account to grow, or your supplier bills paid for you. Both repaid quietly from daily KoomiPay sales.

OPTION 01 · WORKING CAPITAL LOAN

Your next big move, funded in 48 hours.

Up to S$500,000 in cash, deployed wherever your business needs it — without emptying your reserves or pledging property.

→Open your next outlet

→Renovate or refresh an outlet

→Upgrade kitchen equipment

→Stock up for festive peaks

→Launch a new menu or campaign

→Ride out slow months

OPTION 02 · AP FINANCING

We pay your suppliers. You take 3 months.

KoomiX settles your supplier and vendor invoices upfront. You repay over 3 months in small daily deductions — your cash stays in the business.

Turn cash-on-delivery into 3-month terms

Stop handing over cash at the back door. Every COD supplier now comes with breathing room.

Turn credit terms into discounts

Already on 30 or 60 days? Pay early and negotiate an early-payment discount. Let your supplier’s discount cover your financing cost.

Ask about AP financing

LOAN CALCULATOR

See how much you could receive.

Enter your average daily sales to see your indicative KoomiX limit, then pick a tenor to see your fixed daily repayment.

I am

Average daily sales

Loan amount

S$273,750max S$273,750

Tenor

YOUR INDICATIVE LOAN LIMIT

S$273,750

FIXED DAILY REPAYMENT

S$885.00/ day for 365 days

≈ 29.5% of your average daily sales

Loan amountS$273,750Tenor12 months

Check my pre-approved capital

Indicative only. Final limit and approval depend on assessment and eligibility. New to KoomiPay: up to S$75,000, or S$150,000 with KoomiPOS. Existing merchants (3+ months): up to S$500,000.

EMBEDDED FINANCE, POWERED BY

Your POS knows your business. Now it can fund it.

Koomi partners with Finyx, the embedded payments and financing platform for growing businesses, to bring regulated financial services directly into the system you already run on. No separate bank portal, no new app — just payments and capital that live where your sales do.

01

Built into Koomi

Finyx's financing infrastructure is embedded in KoomiPay and KoomiPOS, so applying, repaying and tracking all happen inside Koomi.

02

Underwritten on real sales

Your Koomi transaction data replaces thick folders of paperwork — a fairer view of how your outlets actually perform.

03

Backed by licensed partners

Facilities are funded with GXS Bank, ANEXT Bank and Choco Up, with Finyx connecting capital to your Koomi account.

FUNDING PARTNERS

Learn about Finyx ↗

FAQ

Everything you're wondering.

Most business loans land as one large monthly deduction, often at the same time as rent, payroll and supplier bills. KoomiX breaks repayment into small fixed daily deductions from your KoomiPay sales, so it feels more like a daily operating cost than a loan.

Works even better together.

All products →

EMBEDDED FINANCIAL SERVICES

KoomiPay

Integrated payments.

FRONT OF HOUSE

KoomiPOS

Point of sale built for F&B.

BACK OF HOUSE

Koomi Intelligence

Your AI assistant for reports and insights.

See KoomiX in your outlet.

A 30-minute walkthrough with an F&B specialist, set up around your menu.

Book a demo