Flexible funding solution
for fast growing businesses

A platform providing revenue-based financing solutions to power up SME merchants. Capture instant growth with fast and easy funding.

  • Simple application process without tedious paperwork
  • No collateral required
  • Flexible repayment
Turning your ambitions into actions
Wait no more. Use new capital to realise your business plan.
Expand business locations
Scale up marketing campaigns
Upgrade equipment
Pay out wages and salaries
Not a KPay merchant yet?
Sign up now to be eligible for KFund.
Flexible and automatic repayments
No more scheduled payments or setting aside cash for repayment. Repayments will be automatically taken out from a percentage of your daily revenue via KPay.

Check your repayment record from the KPay Merchant App anywhere and anytime you want.
No collateral required
All financing options offered via KFund are collateral-free.
You deserve the access to convenient funding options that enterprise-level businesses get.
Tailored funding plans
All funding offers are customised for your business needs. Your business analytics such as sales transaction data will be assessed in real-time to secure the best possible offers.
Get funded effortlessly
in 3 steps
Apply online for free consultation
Sign up to get your tailored financing plan based on your transaction data with KPay.
Submit documents
Your company’s credit profile will be assessed accordingly after submitting simple documents
Sign agreement and access your fund!
Get approval as fast as 3 working days*. Accept your offer by signing an agreement and money will be banked into your account shortly.
*The application flow, actual time for loan approval and the loan disbursement may vary depending on the information and documents provided by the Merchant. Official announcements from partners will supersede this information.
Frequently asked questions
Q1. What is KFund?

KFund is a financing platform that helps businesses access fundings, leveraging on your transaction and operation data within the KPay ecosystem.
Through the KFund platform, you can explore, compare and apply to flexible financing options according to your financial needs.

Q2. What is revenue-based financing?

Revenue-based financing is a type of financial capital provided to a business in return for a fixed percentage of ongoing gross revenues until the capital and handling fee has been settled. In the context of KFund, financial product decisions are based on your sales transaction records via KPay payment solutions, while the payment return will be a percentage of the daily settlement amount, subject to terms and conditions.

Q3. Why choose KFund?

We maximise your successful odds and financing amount, and minimise the time to obtain financing, by leveraging your transaction and operation data within the KPay ecosystem.
In addition, we partner with a vast network of partners to provide you with flexible choices that suit your every needs, such as financings without TU checking, auto-repayments and many more.

Q4. Who can apply KFund?

KFund applicants must be merchants who have been using KPay all-in-one payment solutions. Additional requirements and conditions are subject to change based on our financial solution or lending partners. Eligibility criteria differs among each financing partner. Generally, KFund applicants are merchants that have been using KPay’s payment solution with a decent transaction history. Contact us to learn about your eligibility.

Q5. Are there any fees for KFund’s service?

There are no fees in using KFund to explore and compare your funding options. Financial consultations and applications are also completely free of charge. Interest and handling fees are subjected to our financing partners’s approval.  You will be informed of a flat fee up-front prior to accepting the offer, subject to terms and conditions. This fee will never increase throughout the repayment process.

Q6. How does KFund compare to banks and other financial institutions?

KFund is not a money lender. Instead we partner with trusted financing partners that provide flexible financing options to merchants of different sizes.
Financing amounts are dependent on your day-to-day transaction and operation data within the KPay ecosystem. We leverage your data with us at your consent to maximise your odds and financing amount when you apply for funds.

Q7. Does using KFund affect my credit score?

No, solely exploring and comparing your funding options on KFund will not affect your credit score.
Some of our financing partners might conduct TU checks at their application stages, subjecting to your written consent. Contact us to learn more about our partners' TU check requirements.

Q8. How does auto repayment work?

Some of the KFund offers provide auto repayment service.

Repayments are collected from your daily settlement amount via KPay, at a fixed percentage approved by our financial solution or lending partner. The remaining settlement amount will then be transferred to your merchant account. 

For example, if the settlement amount is $10,000 on a particular day, $8,000 will be settled into your merchant account if the repayment percentage is set at 20%. The remaining $2,000 will be held by KPay for repayment to the financial solution or lending partner.

Secure your growth capital

Check out customisable funding plans for your business.