The only F&B loan in Singapore that feels so light, you barely feel like you borrowed money.
Get up to S$500,000 in pay-as-you-earn financing, repaid through small fixed daily deductions from your Koomi Pay sales — with only 1 document needed.
- No big monthly repayment shock
- No manual bank transfers
- No property collateral
- No weeks of waiting just to hear ‘rejected’
Approval in ~24 hours · Funds in 24–48 hours
The big idea
Finally, you don’t have to feel the full weight of a business loan.
Discover KoomiX F&B Loan, the pay-as-you-earn financing solution built for Singapore F&B merchants.
Instead of one painful lump-sum repayment hitting your account together with rent, payroll, supplier bills, and utilities…
KoomiX breaks repayment into small fixed daily deductions from your Koomi Pay sales. The loan is quietly serviced day by day — before the money even reaches your main operating account.
No manual bank transfers. No end-of-month repayment shock. No feeling like the loan is sitting on your chest.
Eligible F&B merchants get access to up to S$500,000, with only 1 document needed: the Director’s CBS report.
Approval in 24 hours. Funds disbursed in 24–48 hours. Unsecured — no property collateral.
Introducing
Koomi X!
The only F&B Fintech-financing loan in Singapore that feels so light, you barely feel like you borrowed money.
Ready to feel the difference?
1 document. 24-hour approval. Funds in 24–48 hours.
Why choose KoomiX
Working capital that fits how F&B actually works.
Repay in tiny daily bites, not one painful monthly hit
Would you prefer to repay your F&B loan in one large monthly lump sum? Or would you prefer small fixed daily deductions from your Koomi Pay sales?
Now, there is nothing wrong in taking a traditional bank loan. But if you want working capital without feeling the full weight of the loan every month, KoomiX may be a better fit.
And no, these are not baseless promises or just another who-ha program to get you excited. We are talking about pay-as-you-earn financing tied directly to your daily F&B revenue.
For example, instead of sweating over one big repayment, you repay in small daily chunks — automatically.
Get up to S$500,000 without the usual bank loan drama
“Sorry, your application needs more documents before we can review it.”
Don’t spend weeks gathering bank statements, NOAs, CPF records, and long forms. Or worse, submit everything only to get rejected because banks see F&B as risky.
It is not your fault that F&B cash flow moves fast. What if there was a way to access capital based on your real Koomi POS sales data?
Here at KoomiX, eligible merchants can access up to S$500,000. In fact, approval can happen within 24 hours. For example, instead of a long bank process, you apply with only 1 required document.
Built for the first 10 days of the month
Why does cash flow pressure keep coming back — even after your outlet is doing decent sales? Isn’t revenue supposed to make things easier?
Well, it is probably because rent, payroll, suppliers, utilities, and loan repayments often hit around the same time. While monthly loans may help, they don’t actually match how F&B cash comes in daily.
In fact, the first 10 days of the month can drain your account fast.
Don’t worry though. With KoomiX, repayment happens daily through your Koomi Pay sales. For example, instead of one big repayment shock, you get predictable daily deductions.
Keep your cash reserve while you grow
Have you wondered why some F&B owners can open a second outlet, while others stay stuck even with good sales? Even if both have customers, good food, and strong reviews?
The difference usually lies in access to timely working capital. Most find it hard to expand because rental deposits, renovation, equipment, manpower, and marketing need cash upfront.
Let’s not forget how risky it feels to empty your own reserves.
This is why KoomiX offers unsecured F&B financing. For example, instead of giving up equity or pledging property, eligible merchants can access up to S$500,000 and repay through daily revenue.
Now With Added AP Financing!
KoomiX, more than just working capital
One F&B business. Two ways to keep your cash flowing.
Not every cash-flow problem needs the same type of financing.
Sometimes, you need cash in your account to renovate, hire, market or expand.
Other times, you simply need to settle a large supplier invoice without draining the cash you need to operate tomorrow.
With KoomiX, eligible F&B merchants can access both.
Option 01
KoomiX Working Capital
Get the cash your business needs to operate and grow.
Access up to S$500,000 in working capital for expenses such as:
- Payroll & rent
- Equipment & renovation
- Marketing & promotions
- New outlet expansion
- General business expenses
Best when:
You need flexible cash that can be deployed across the business.
×Option 02
Choco Up × Koomi AP Financing
Let us pay your supplier first. Keep your cash working in the business.
Have a supplier invoice coming due? Instead of taking a large chunk out of your operating cash, eligible merchants can get up to S$500,000 in Accounts Payable Financing.
Choco Up pays 100% of the approved invoice directly to your supplier upfront. You get an extended payment period of up to 90 days and repay gradually through small daily deductions from your Koomi Pay sales.
- Financing up to S$500,000
- Supplier receives 100% upfront
- Approval in as fast as 2 days
- Up to 90-day repayment period
- Automatic daily repayments via Koomi Pay
- Assessment using your Koomi sales data
Best when:
You want to pay suppliers on time without tying up a large chunk of your working capital.
Need to pay suppliers instead?
KoomiX merchants can also access up to S$500,000 in Accounts Payable Financing, with Choco Up paying approved supplier invoices upfront.
AP Financing
Why F&B Owners Choose KoomiX Working Capital (Option 1) + CHOCO UP × KOOMI AP FINANCING (Option 2)
Your supplier gets paid. Your cash gets to stay in the business longer.
Ingredient orders don't wait.
Neither do packaging suppliers, equipment vendors and the other businesses that keep your outlets running.
But paying a large supplier invoice upfront can suddenly take tens of thousands of dollars out of the same account you need for payroll, rent, utilities and growth.
AP Financing gives you another option.
Instead of paying the entire invoice from your own cash today:
01
Submit your supplier invoice
Your financing eligibility is assessed using your past 6 months of Koomi sales data and your business credit profile.
02
Choco Up pays your supplier 100%
Once approved and the required transaction documents are signed, Choco Up disburses the approved amount directly to your supplier. Suppliers can typically receive payment within 24 hours after successful funding.
03
You keep your cash in the business
Instead of having a large supplier bill hit your cash reserve all at once, you get an extended payment period of up to 90 days, depending on your approved tenor.
04
Repay as you earn
Repayment happens through small daily deductions from your Koomi Pay sales. No manual transfers to remember. No large supplier payment draining your account overnight.
Your supplier gets paid upfront. You get more breathing room to run the business.
Side by side
KoomiX vs traditional bank / P2P loans
Trusted Partners
1,000+ Brands Across Industries Trust Us
KoomiX is a subsidiary of Koomi — the POS powering Singapore's favourite F&B brands.
Compare it to your current loan. Then switch.
1 document. 24-hour approval. Funds in 24–48 hours.
From start to finish
What you can expect, every step of the way.
Use Koomi POS & Koomi Pay
Your transaction data starts forming the basis for financing eligibility.
Check your pre-approved capital
Eligible merchants receive a pre-approved amount based on Koomi POS data.
Submit 1 required document
You only need the Director’s Credit Bureau Singapore report.
Choose your loan tenure
Select from 3, 6, 9, or 12 months depending on your cash flow needs.
Review your daily repayment
See the fixed daily deduction before signing. No repayment surprises.
Get reviewed for approval
Approval can happen within 24 hours, subject to eligibility and checks.
Receive funds
Funds disbursed within 24–48 hours after approval.
Repay automatically through sales
Small fixed daily deductions taken from your Koomi Pay sales.
Track remaining balance
Monitor repayment progress clearly through the Koomi ecosystem.
Use capital, lightly
Renovate, pay suppliers, replace equipment — while repayment runs in the background.
Case Study
A day in the life of your KoomiX loan
See exactly how repayment works from an F&B owner's point of view — no surprises, no lump sums, just a small slice of each day's sales.
What we do
Everything an F&B operator needs — embedded into one ecosystem.
Supports
VisaMastercardAMEXPayNowWeChat PayAlipayOne ecosystem. One document. One light loan.
1 document. 24-hour approval. Funds in 24–48 hours.
Who it’s for
Built for F&B operators who want to grow, lightly.
Tired of monthly repayment shock
F&B owners who want capital without one large monthly hit.
Restaurants, cafes & QSRs
Bars, kiosks and outlets using or planning to use Koomi Pay.
Need up to S$500,000
For expansion, renovation, payroll, suppliers or equipment.
Founders who use leverage to grow
Younger F&B operators comfortable scaling faster.
Strong sales, limited loan history
Newer outlets that don’t yet fit traditional bank criteria.
Multi-outlet operators
Who want financing linked to POS and payment data.
Hate bank paperwork
Want a 1-document application, not a thick folder.
Need funds fast
Within 24–48 hours after approval.
Want assets out of the loan
Keep personal property out of the picture.
Want a daily operating cost
Not another monthly headache to budget around.
Backed by
GXS & ANEXT BANK
About KoomiX
Capital that understands how food businesses actually work.
In F&B, sales happen daily. But the biggest cash drains arrive together: rent, payroll, suppliers, utilities, repairs, renovation, and loan repayments. Traditional monthly loan structures can feel heavy — even when the loan itself is useful.
KoomiX solves this with embedded revenue-based financing, backed by GXS Bank. Instead of judging merchants only through old paperwork and rigid bank rules, KoomiX uses Koomi POS and payment data to assess real sales performance.
Up to S$500,000. Only 1 document. Funds in 24–48 hours. Repaid quietly through your daily sales.
Built for F&B owners like you.
1 document. 24-hour approval. Funds in 24–48 hours.
Frequently asked
Everything you’re wondering.
Most business loans feel heavy because repayment comes as one large monthly deduction — often landing the same time as rent, payroll, supplier bills and utilities. KoomiX breaks repayment into small fixed daily deductions from your Koomi Pay sales, so the loan is serviced day by day. For many F&B owners, it feels more like a small daily operating cost — like ingredients, packaging, or a few extra cartons of milk.
Eligible merchants may access up to S$500,000. The exact amount depends on assessment, sales data, eligibility, and GXS Bank’s approval. KoomiX can assess your business using actual Koomi POS and payment data, so your live sales performance supports the financing review — especially helpful for operators with real traction who may not fit traditional bank criteria.
Approval can happen within 24 hours, subject to eligibility and checks. Once approved, funds can be disbursed within 24–48 hours. Traditional bank loans may take 2 to 4 weeks. KoomiX is built for speed because it’s connected to your Koomi POS and payment ecosystem.
You only need 1 required document: the Director’s Credit Bureau Singapore report. No bank statements, no NOAs, no CPF records. The Koomi ecosystem already has useful transaction and sales data to support the review.
Yes. To qualify, merchants must use the Koomi Pay terminal. Your Koomi Pay data supports underwriting and allows daily repayment to happen automatically. For new merchants, at least 1 to 2 days of transactions may be needed to validate the account.
Payroll, supplier payments, rent, equipment replacement, renovation, marketing, seasonal promotions, bulk ingredient purchases, and outlet expansion. You get working capital upfront, then repay through small fixed daily deductions from your Koomi Pay sales.
Indicative nominal interest is around 1% per month (~12% per year). Setup or facility fees may range from 1.5% to 3%, depending on final terms and approval. Always compare repayment structure, speed, documents, collateral and cash flow fit — not just the rate.
No. KoomiX is an unsecured business financing solution. You get access to business capital without putting property at the centre of the loan.
There is a 10-day grace period for missed payments. If sales are insufficient, Koomi may hold revenue from the next few days until repayment catches up. Your daily repayment amount is fixed once the loan is signed, so you can plan ahead.
KoomiX financing is a private business facility — not designed to publicise that your business has taken a loan. Repayment is daily, fixed, automatic, and tied to your Koomi Pay sales flow, so the experience feels more discreet, structured, and less stressful.
Get started
Check your pre-approved KoomiX capital.
See how much financing you may qualify for — up to S$500,000 — and how small fixed daily repayments would work for your business.
- Up to S$500,000 in financing
- Only 1 document (Director’s CBS report)
- Approval in ~24 hours
- Funds in 24–48 hours
- Tenures of 3, 6, 9, or 12 months