Australian BPOs are cutting FX costs and saving more on cross-border payroll. Here's how. Download the free guide
Get up to AUD 1.5 million in fast, flexible funding. No collateral. No hidden fees. Learn more
Scale your business with fast, flexible funding
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.
Why choose Instarem Business Financing
A simpler way to unlock capital for day-to-day needs and long-term growth.
Get funded in minutes
A quick online application gets you funding offers fast, skip the paperwork and the drawn-out approval process.
Retain full ownership
This is non-dilutive capital, so you grow without giving up equity.
Built for global business
Handle FX, payroll, and supplier payments through Instarem, then use financing to fuel your next stage of growth.
Revenue-based repayments
Pay back at a pace suited to your cash flow, with no hidden costs and no surprises.
Made for scaling teams
Ideal for ecommerce, retail, logistics, and cross-border brands, plus founders taking on new markets.
| 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 |
What you can use it for
Scale new ideas and markets
Open new markets, launch faster, and support growth initiatives without worrying about cash flow.
Keep working capital steady
Manage inventory, supplier payments, and payroll smoothly even when business gets busy.
Simplify global operations
Pair financing with Instarem’s strong FX rates to run cross-border payments more efficiently.
Move when opportunities arrive
Skip slow approvals. With financing through Choco Up, you can act quickly and stay ahead.
How it works
A simple, founder-friendly process.
Share basic business details through your Instarem business account.
Transparent pricing, no surprises
Clear, upfront terms directly from your financing provider.
Fixed, upfront cost
Choco Up will present a clear breakdown of your total repayment amount before you accept the offer. No hidden charges.
Revenue-linked repayments
Repayments are structured based on your business performance, so they adjust in line with your revenue cycle.
Example
If you receive $100,000 in funding with a 6% flat fee:
- Total repayable: $106,000
- Repayment structure: A small percentage of your monthly revenue (e.g. 5–10%)
- What this means: You repay as you earn, helping maintain steady cash flow
All financing terms, pricing, and repayment structures are determined by Choco Up.
Who is this for
If you’re a growth-focused business looking for a smarter way to fund expansion, this is ideal for:
Ecommerce brands
Retail & logistics companies
Cross-border businesses
Service-based businesses
SMEs expanding internationally
Businesses scaling marketing or inventory
Check your eligibility in minutes
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.
Built responsibly for growing businesses
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.
Ready to grow on your terms?
Unlock fast, flexible capital to scale smarter without giving up equity.
Apply online and get funding tailored to your business’ needs.
