Culum Capital is a Singapore-based alternative lending platform specializing in supply chain and receivables financing for small and medium-sized enterprises (SMEs). Founded in 2016, the platform connects accredited and institutional investors with businesses seeking short-term working capital solutions through invoice financing and factoring services.
Culum Capital offers accredited investors the opportunity to invest in short-term invoices issued by vetted Singaporean SMEs. Investments typically have a tenor of 30 to 90 days, with potential annualized returns ranging from 6% to 20%, depending on the risk profile and availability of credit insurance. The platform emphasizes high liquidity and short turnaround times, allowing investors to diversify their portfolios with relatively low-risk assets.
SMEs in Singapore can access working capital by selling their accounts receivables through Culum Capital’s platform. The process involves the upfront payment of invoices by investors, with the obligor settling the amount on the due date. This financing solution aids businesses in optimizing cash flow and managing operational expenses without incurring traditional debt.
Culum Capital’s investment opportunities are exclusively available to “accredited investors,” “expert investors,” or “institutional investors” as defined under Section 4A of the Singapore Securities and Futures Act (Cap. 289).
Investors only has to pay a performance fee of 25% of realised gains for their investment.
For SMEs:
- Discount fee – the discount rate will depends on the deal structure and the risk grading of the deal
- Origination fee – as low as 0.80% of the advanced amount per transaction
Culum Capital offers to invest in various crowdfunding opportunities from the SME sector.
At Culum Capital, you can start investing with US$1,000.
The investment models Culum Capital operates is Debt.
