Smarter Startups Flex

Flex is the simpler, faster and more affordable way for startups and small businesses to manage payments and access on-demand working capital. Our goal is simple — to help you grow without limits.

Apply for a Flex Card online to enjoy zero forex markup and access up to 35 days of interest-free credit lines. There’s no better way to grow than with Flex.

Flex Card


3 steps to apply for your Flex card

Running a business can be challenging. Flex makes cash management simpler for you.

With an online application process that takes less than 10 minutes, you can start tracking expenses 24/7 through the Flex Web App — giving you full visibility and total control over your business payments anytime, anywhere.

Flexible credit lines to help you scale

  • Minimal documents required
  • Approved in 24 hours

In partnership with


Interest-free credit

Let Flex ignite your ambition to scale. Get started with an in-principle approved credit line of S$3,000* with Flex PLUS — approved within 24 hours.

Need more cash to fuel your business? We've got you covered.

As a Flex cardholder, you can access up to S$100,000* in credit — approved within 48 hours.

*Credit lines are subject to approval by our partner, Finaxar Capital ll Pte. Ltd.


No hidden fees, no surprises. That’s our promise.

Business payments incur fees that you shouldn’t pay. When every cent counts, Flex delivers real savings for your business.

  • No forex markup on all international transactions
  • 20 free physical Flex cards
  • Free virtual Flex cards
  • Fee-free credit lines
  • Interest-free working capital for up to 35 days
  • No transaction fees on all spends
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More reasons to Flex

Start saving with Visa Commercial Offers

  • 100% cashback for your first S$100 spend on Google Ads
  • Save 10% on Office 365 Business Standard packages
  • Get S$1,250 Shopify service credits
  • 40% off for Dropbox Business in the first year
  • 20% off on annual private office membership at WeWork
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Open an account today

Start managing your expenses in three easy steps

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Contact Us

Get in touch with us and give your business the ultimate Flex!