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Instarem, a digital funds platform beneath Nium, now lets SMEs apply for non dilutive funding immediately inside its enterprise platform after integrating Choco Up’s development financing service.
The characteristic has been stay 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 degree.
Eligible Instarem Enterprise customers can apply for as much as US$1 million in income linked financing.
Underwriting attracts on enterprise efficiency information, and Choco Up usually disburses authorised funds inside two enterprise days to a shopper’s Instarem account or working checking account.
The financing is collateral free and requires solely a private assure, supported by primary 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 12 months and completes funds as much as 12 occasions quicker than conventional banks.
Percy Hung
“Quick, versatile, non-dilutive financing lets homeowners keep answerable for how and once they scale. Many digital-first companies don’t match conventional credit score bins, but their development strikes in actual time.
Embedding financing inside Instarem means companies can act on the level of want, from stock and advertising and marketing to provider phrases, with out giving up fairness. We selected Instarem as a result of it’s the place cross-border SMEs already function day by day: funds, overseas trade, and now funding, in a single place.”
stated Percy Hung, Founder and Chief Government Officer of Choco Up.
Michael Minassian
“By partnering with Choco Up, we add a sensible development lever to our funds and FX stack so companies can accumulate, convert, and capitalise inside a single platform.
It’s about lowering friction and serving to regional champions scale internationally with confidence.”
stated Michael Minassian, International Head of SME Enterprise at Instarem.
Instarem and Choco Up plan to deepen their API integration to automate information sharing and velocity resolution making.
They’re additionally evaluating bill and commerce financing merchandise to assist broader working capital wants and intention to broaden the service to Hong Kong within the first quarter of 2026.
