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Instarem, a digital funds platform underneath Nium, now lets SMEs apply for non dilutive funding straight inside its enterprise platform after integrating Choco Up’s progress financing service.
The characteristic has been reside since 1 September 2025 in Singapore and Australia.
It launches as Southeast Asia’s cross border commerce expands, with IDC projecting intra regional commerce to succeed in US$14.6 billion by 2028, about 2.8 occasions the 2023 stage.
Eligible Instarem Enterprise customers can apply for as much as US$1 million in income linked financing.
Underwriting attracts on enterprise efficiency knowledge, and Choco Up sometimes disburses accredited funds inside two enterprise days to a consumer’s Instarem account or working checking account.
The financing is collateral free and requires solely a private assure, supported by fundamental KYB paperwork and up to date transaction historical past.
Choco Up has backed greater than 1,000 SMEs throughout Singapore, Hong Kong and Australia, contributing to about US$2.5 billion in gross merchandise worth.
Instarem processes greater than US$6 billion a yr and completes funds as much as 12 occasions sooner than conventional banks.
Percy Hung
“Quick, versatile, non-dilutive financing lets house owners keep in command of how and once they scale. Many digital-first companies don’t match conventional credit score packing containers, but their progress strikes in actual time.
Embedding financing inside Instarem means companies can act on the level of want, from stock and advertising to provider phrases, with out giving up fairness. We selected Instarem as a result of it’s the place cross-border SMEs already function every day: funds, international trade, and now funding, in a single place.”
mentioned Percy Hung, Founder and Chief Govt Officer of Choco Up.
Michael Minassian
“By partnering with Choco Up, we add a sensible progress lever to our funds and FX stack so companies can acquire, convert, and capitalise inside a single platform.
It’s about lowering friction and serving to regional champions scale internationally with confidence.”
mentioned Michael Minassian, World Head of SME Enterprise at Instarem.
Instarem and Choco Up plan to deepen their API integration to automate knowledge sharing and pace choice making.
They’re additionally evaluating bill and commerce financing merchandise to assist broader working capital wants and intention to increase the service to Hong Kong within the first quarter of 2026.
