Frequently Asked Questions
Got a question about our services at Zetl? Check out our FAQ to see if your question has been answered!

- About Us
- Account Opening
- Pricing and Repayment
- Products
- Integrations
Zetl offers growth financing through various products to help with business expansion and working capital needs. Our core products are Revenue Share, Wage Layer, Credit Line and Invoice Financing.
Zetl operates in Hong Kong and Singapore. If you have a company incorporated in Hong Kong, Singapore, or Australia, we are able to offer all our financing solutions. If you’re in APAC but outside of those countries, we’re only able to offer you our Wage Layer product at the moment. But stay tuned - we’re growing rapidly!
No, all our financing products are fully confidential whereby your client will never need to know that you’ve taken up financing.
Zetl is not a bank, but a money lender. We are regulated and adhere to industry best practices around customer care, privacy and compliance.
If you are a business and would like to partner or refer us clients, please visit our partners page at https://www.zetl.com/partners.
Login to your Zetl account and request an invoice when you are ready to repay. We’ll email you an invoice with the amount you need to repay and our bank details.
A Zetl account is the account you set up on the Zetl website for your business. Simply click “Sign Up” on our website to get started.
Currently, we only allow one company to be linked to one Zetl account.
Absolutely, under your company settings page there is an option to "Create New Company" which allows you to manage multiple companies under the same account.
Our online onboarding process is usually completed within 3-5 days but can be completed sooner if you have all the necessary documents prepared.
Generally, we require documents pertaining to your company, director and shareholder KYC, client information and the invoice you want funded.
If your company is based in Hong Kong, we will require the following documents:
If your company is based Singapore, we will require the following documents:
No, while we do conduct due diligence on your client, we will not request a credit check.
You can receive funding in as fast as a couple of hours.
No, as a Zetl customer you do not need a personal guarantee.
That’s okay! We’ll assess your case anyway. We’re not like a traditional lender that might only assess your business based on your physical assets - we also look at your receivables and revenue.
Our financing secured against your accounts receivables. This means you can access capital up to the amount of your receivables.
Zetl is proud to offer our customers financing that is fast, flexible, fully digital and requires no personal guarantees.
As long as you have receivables, Zetl is able to finance your operation.
We do not offer any personal loans.
Please contact our sales team at [email protected] to discuss the best way we can finance your businesses. We offer tailor-made products in such cases.
Oftentimes there is a significant delay between when your government grant is accepted and when you receive the capital. Zetl offers financing in a couple of hours as long as you have your paperwork ready. If you have been accepted a government grant but wish to access the funds sooner, you can use one of our products.
We recommend applying using your entity with the best financial prospects. All things being equal, it would be better for you to apply from an entity in Hong Kong, Singapore or Australia.
No, we only support business accounts opened in the name of your company.
No, we only support business accounts under your legal business name.
We would suggest our Revenue Share product for that, so your repayments are tied to your revenue, rather than being fixed.
Prices vary depending on your finances and your client(s). Rates typically start from 1.2% per month. No hidden fees, ever. Be wary of alternative lenders that charge a low headline fee but a high administrative fee–in many cases this additional fee can double your effective rate.
You only need to pay when your client settles. If there’s a prolonged issue with the payment you are able to substitute with a new invoice or other accounts receivables, subject to our approval.
Login to your Zetl account and request an invoice when you are ready to repay. We’ll email you an invoice with the amount you need to repay and our bank details.
Our proprietary credit scoring process determines your offered interest rate. If you wish to decrease this, you can either use our Zetl Settlement Account to receive payments from your clients or integrate your Xero accounts with us.
The maximum financing amount is up to USD 300,000 or equivalent in other currencies.
Our funding is typically used for monthly operating expenses but can be used to invest in growth in order to win new business. For this, we can provide a pre-approved credit limit so that you can see how much financing you are eligible for on new revenue opportunities.
Our financing is typically secured by your accounts receivables, although we also provide unsecured financing in Singapore. In addition, unlike other firms in Hong Kong and Singapore, we don’t require personal guarantees in order to fund you. We believe that personal guarantees leave SME business owners with debt burdens they can’t afford, which can push them into debt bondage.
Our credit line gives you the flexibility to draw-down the amount you need from month to month depending on your receivables. Interest is charged on a monthly basis depending on utilization, subject to a minimum fee. This is particularly suitable for businesses which have recurring revenue.
Yes, you can.
We aren’t in the recruitment business but do have partners who are, and we can put you in touch.
With our Wage Layer product, we can simplify your payroll administration, and have an additional Pay Later service with which we can fund a month or two of your full payroll based on your receivables.
No. Zetl offers non-dilutive capital so businesses don’t have to give up equity or board seats.
Our Xero integration makes it easier and faster for customers to sign up. As long as your Xero is up to date, we can import the required data without modifying your existing information. We regard the security of your information with the utmost importance, and your data will be used solely for evaluating your company for our services in order to offer you the lowest cost solution. Lastly, our clients can benefit from lower pricing when they integrate with Xero.
Not yet, but we’re working on it!