Finance your growing business

with Asia-Pacific’s first financing company for asset-light businesses

Fast and flexible financing
has never been easier

We help asset-light businesses manage their monthly operating expenses by providing growth, payroll, and working capital financing. These businesses typically don’t have equipment, inventory, or property which they can use for financing. Instead, Zetl uses their receivables as collateral.

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our products

Wage Layer

Simplified payroll financing product to protect your staff from late payments
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Turn your monthly revenues into cash today, not tomorrow.
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Invoice Financing

One-off, fast, flexible financing product to cover any short term working capital needs
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Credit Line

Flexible longer term financing product that’s secured against your revenues
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Who is Zetl For


Asset-light SMEs

Any services businesses that do not have equipment, inventory, or property which they can use for financing. For example, recruitment agencies, consultancies, SaaS and digital media providers.

Revenue Generating

All our products require either accounts receivables or recurring revenues to secure your loan against.

Based in Asia-Pacific

We fund companies throughout Asia-Pacific.


HK$50 cash voucher for each employee to access 40+ flexible workspaces in HK

Whether you are a startup or multinational corporation, Deskimo is the one flexible workspace solution you might need. Deskimo offers the most flexible way for your team to access hot desks, meeting rooms and event spaces at 40+ professional workspaces across the city – on-demand, pay-per-minute. Request instant access for your hybrid workforce to unlock the true power of flexible working today.

Receive your first HK$100,000 worth of FX free of charge

Established in Melbourne in 2015, Airwallex is a payments platform transforming the way businesses move and manage money globally.

In today’s fast-changing digital era, Airwallex’s purpose is to empower businesses of all sizes to grow without borders, and by doing so, contribute to the global economy. With technology at our core, we built a global financial infrastructure to help businesses transact, collect and pay across 130+ countries and 50+ currencies, without the constraints of the traditional global financial system.

Why Zetl?

Unlock cash tied up in receivables

Your business can receive the funding you need immediately after approval.

Transparent from the start

Our terms are clear and straightforward, with no hidden fees, ever.

Here to meet your demands

We understand that every business has different needs, therefore all our products are fully flexible to meet your demands.

Safeguard your reputation

Your clients won’t need to know that you’ve taken up financing* and all your documents submitted are kept confidential.

Borrow with confidence

All our products require no personal guarantees because we believe business risk should be kept separate from personal liability.

Simplicity at its core

We know how tedious and complicated the process of loan applications are. Hence, we keep our process simple. Simple sign up, simple terms, simple execution.

*except for revenue-share with your approval

Trusted by businesses like yours

Receive funds in hours...

Financing doesn’t have to be complicated or long process. As a Zetl customer, you can receive funding within 24 hours.

sign up

1. Sign Up

Tell us about your business

2. Request Funds

Submit your invoices
unlock funds

3. Unlock Funds

Sign digitally and receive funds within 24 hours

Debt vs Equity:
Financing for Startup Whitepaper

Read our whitepaper to help your startup unlock working capital the best way possible.

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Case Studies


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