Get the capital you need to grow, without the wait or complexity.
Instarem gives you access to quick, transparent funding through Choco Up, so you can keep your plans moving. Whether you’re managing cash flow, boosting inventory, expanding into new markets, or powering your next launch, we help you scale smarter.
A simpler way to unlock capital for day-to-day needs and long-term growth.
| Funding/Feature | Speed | Collateral | Repayment | Equity loss | Complexity |
|---|---|---|---|---|---|
| Revenue-Based Financing with Choco Up | Offers in as little as 48 hours | Not required | Flexes with your revenue | None (Non-dilutive) | Simple online application |
| Traditional Bank Loans | Weeks or months | Often required | Fixed monthly payments | None | Extensive paperwork |
| Business Credit Lines | Varies by provider | Usually required | Interest on amount used | None | Moderate to high |
Skip slow approvals. With financing through Choco Up, you can act quickly and stay ahead.
A simple, founder-friendly process.
Clear, upfront terms directly from your financing provider.
If you receive $100,000 in funding with a 6% flat fee:
All financing terms, pricing, and repayment structures are determined by Choco Up.
If you’re a growth-focused business looking for a smarter way to fund expansion, this is ideal for:
A quick overview of what Choco Up looks for when reviewing applications.
| Criteria | Requirement |
|---|---|
| Company type | Pty Ltd (Australia), or AU Trusts with an underlying Pty Ltd |
| Business age | Minimum 12 months of operations |
| Regions | Australia |
| Monthly revenue | USD 10,000 or above |
| Business type | Asset-light, B2B-focused businesses |
Final eligibility and approval are determined by Choco Up based on your business profile and performance.
Trust and transparency are built into every step.
Instarem enables you to access financing through a seamless application experience. All financing decisions, terms, and disbursements are managed by Choco Up, a registered financing provider operating across Singapore, Hong Kong, and Australia.
This partnership ensures you get specialised funding support, backed by a trusted global payments platform.
Unlock fast, flexible capital to scale smarter without giving up equity.
Apply online and get funding tailored to your business’ needs.
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