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SME Finance Solutions

BYFIN offers various unsecured business financing product to local SMEs. By understanding your business needs and operation module,
a customised financing plan will be provided by our Product Specialist Team, to accelerate your business growth by
unlocking your cashflow. Without traditional barriers, WE welcome all kinds of industries for application.BYFIN helps SMEs unlock your working capital so that you can focus on what truly matters for your business

Invoice Discounting

How does it work

Step 1 Register

Create an account at BYFIN

Step 2 Upload

Upload your invoice and payment terms

Step 3 Advance

Review your invoice and
pays you max. 90% of your
invoice value minus one-off
fee upon approval

Step 4 Payout

Once BYFIN got paid by
your customer, BYFIN will
repay you the remaining
value of your invoice

Why Choose BYFIN

As the pioneer in digital financial services, we apply advanced blockchain technology in
our operations to make it much simpler and more efficient for our customers

Get cash right when
you need it
Manage cash flow To
maintain a positive working capital
Avoid taking in
addition debt
Have experts manage
your receivables
Offer payment flexibility to your clients
Allow growth for
your company


You may consider applying as long as the following conditions are met:
  1. You offer your customers 30 to 90 days payment terms
  2. Your customers have good repayment record
  3. You hope to get paid quicker
  1. Create an account via BYFIN website and submit basic company information
  2. Our relationship manager will contact you, listen to your needs and offer tailored solutions
  3. Submit invoice copy and related documents through our online platform, review will be conducted once we received your application, and cash can be disbursed as fast as 24 hours.
BYFIN does not require any collateral or personal guarantees. However, the ownership of your invoice associated with the trade are transferred to BYFIN.

Strategic Partner

A digital transaction platform managed by Rootant for enterprises to manage supply chain, finance and go green.

Parent Company

One of the world’s largest integrated online financial groups. Listed on the Tokyo Stock Exchange (TSE: 8473). 6 subsidiary companies are listed in Hong Kong, Japan and South Korea.