Accrual Capital

Commercial lending, without the drag.

Credit, treasury, and corporate banking for mid-market companies that do not have time to wait two weeks for a term sheet.

2026 results

Commercial lending cycle time, down 73 percent.

Across our SME and mid-market books in APAC and EMEA, average time-to-decision fell from 11 business days to under 3. We rebuilt the workflow around how credit actually gets approved, not around how our forms were organized.

Before

11 business days

Sequential reviews, static diagrams, and a lot of "waiting on the risk team". Every exception meant a new email thread and a new spreadsheet.

After

2.9 business days

Structured stages with dynamic tasks. Exceptions stay inside the case. Ad-hoc sub-approvals happen in-flight without restarting anything.

How

Case beats diagram

Chaos that cannot be drawn as a clean BPMN diagram needs case management. Structure where it helps, flexibility where it matters.

What we do

Banking services for Accrual Capital clients.

Credit

Commercial lending

Term loans, revolving credit, asset-based lending, and trade finance. Ticket sizes from S$500K to S$250M. Dedicated relationship teams in twelve cities.

SME

SME banking

Working capital, invoice financing, and merchant services for small and mid-size businesses. Digital onboarding. Five-day approvals. Yes, really.

Treasury

Treasury services

Cash management, FX, and liquidity across 28 currencies. Host-to-host, API, and file-based connectivity. Pick your poison, we support it.

Corporate

Corporate banking

Syndicated loans, capital markets advisory, and M&A support for large mid-market corporates and family offices across APAC and EMEA.

Cards

Accrual Corporate Card

Spend controls, granular reporting, and policy automation that does not make your finance team cry. Virtual cards, physical cards, both.

Escrow

Managed escrow

For M&A, real estate, and complex multi-party transactions. We hold the funds. We move them when the conditions are met. Nothing exciting happens. That is the point.

How Capital runs

Structured stages. Adaptive tasks.

Our credit workflow is a case, not a diagram. The shape is fixed, the tasks inside adapt. That is how we handle every deal that does not look like the last deal.

Intake

Client submits, relationship banker enriches, documents ingested and classified. KYC refreshed where stale.

Credit analysis

Financials parsed, covenants checked, peer benchmarks pulled. Underwriter reviews with a fuller picture than a PDF.

Approval and closing

Tiered approvals. Legal review. Signature and funding. Every exception stays in the case, not in an email chain.

Let us talk about your growth plans.

Tell us about the deal, the book, or the initiative. A relationship banker responds within one business day. Same time zone.

Request a callback