Unsecured business financing
Revenue-based funding for inventory, marketing, new projects or unexpected costs.
More on revenue-based finance →Non-BankAustraliaLast reviewed 27 Oct 2026
Choco Up
Business loans, eligibility and contact details
In a nutshell
Choco Up is a revenue-based financing provider, operating in Australia, Hong Kong and Singapore, that offers growing businesses unsecured business financing, invoice and accounts receivable financing, accounts payable financing, merchant cash advances and a buy now, pay later product. It takes no equity and has funded more than USD 2.5 billion in GMV.
About Choco Up
Choco Up provides sales-based and revenue-based funding to startups, SMEs and fast-growing businesses, including retail and ecommerce, business services, tech and education, manufacturing and wholesale, and health and wellness businesses. It operates in Australia as well as Hong Kong and Singapore, and says it has funded more than USD 2.5 billion in GMV across 1,000+ funding rounds.
Its products include unsecured business financing (up to USD 1 million), invoice and accounts receivable financing, accounts payable financing, merchant cash advances and Uplift, a buy now, pay later option for purchases from suppliers. Choco Up takes no equity, has a simple fee structure and lets you use the funds flexibly, for example on marketing, inventory or new projects.
Finance offered by Choco Up
Invoice and receivables financing
Turn unpaid invoices into cash.
More on invoice finance →Merchant cash advance
An advance repaid from future sales.
Accounts payable financing and Uplift
Pay suppliers now and repay later.
Eligibility and documents
Who Choco Up lends to
- Growing businesses with recurring sales or revenue
All lending is subject to the lender's credit criteria and assessment.
For brokers
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Is Choco Up the right fit for your business?
Choco Up usually suits ecommerce, retail and other fast-growing businesses that want growth funding repaid from sales, without giving up equity.
Every business is different. Rather than applying to one lender, talk to us. Your broker, backed by our proprietary AI lender matching, looks at the lenders on our panel that offer the finance you need and seeks multiple options for you.
- One conversation, no obligation
- We seek multiple lender options for you
- Business finance from $30,000
Prefer to talk now? Call 0468 060 969, Mon–Fri, 9am–6pm AEST/AEDT.
Get your funding options
Tell us what you need and we'll call you back, usually within 1–2 hours during business hours. No obligation.
Call us now: 0468 060 969
Mon–Fri, 9am–6pm AEST/AEDT
Choco Up FAQs
What is Choco Up?
Choco Up is a revenue-based financing provider that funds growing businesses in exchange for a fee, without taking equity.
How much can I get from Choco Up?
Choco Up says its unsecured business financing goes up to USD 1 million.
Does Choco Up offer invoice finance?
Yes. It offers invoice and accounts receivable financing, plus accounts payable financing.
Can Splendid help me with a Choco Up loan?
Yes, we work with Choco Up, but we recommend speaking to us to see if Choco Up is the right fit for your specific needs. We work with over 100 lenders, so there might be other options that suit your situation better.
Choco Up contact details
Website
choco-up.comSimilar lenders
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See all business lenders →Splendid Financing is an independent finance broker and is not affiliated with Choco Up. Splendid works with many of the lenders in this directory, but not all of them. This profile is general information based on Choco Up's published information, checked 27 Oct 2026. It isn't a recommendation or credit advice. Products, criteria and features can change, and all lending is subject to the lender's credit criteria and assessment.