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Cash Flow

Credit Cards

【信貸評級】4招妥善管理信用卡改善TU評級

信用卡的確為消費者帶來很多好處,不但付款變得方便,用家也能獲得許多優惠和回贈(想以信用卡支付所有支出,賺取更多優惠?使用Reap吧!),但信用卡這種產品是一個雙刃劍,如果不妥善使用的話,可能會弄巧反拙,影響你的個人信貸評級。環聯(TU)信貸評級與銀行信貸服務的審批程序息息相關,有一個良好的TU評級,對於你申請按揭、私人貸款,以致信用卡及銀行戶口等,都有很大好處。那麼,我們該如何從使用信用卡的習慣入手,改善TU評級?

Posted on 
Aug 12, 2019
  by
Neva Kwok
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Managing Money

【理財心得】記錄開支有何用處?記賬對改善理財的4大好處

你上個月花了多少錢消遣娛樂?出街食飯的開支有幾多?信用卡的總消費額呢?如果你沒有記錄開支習慣,相信一時間很難回答這些問題。記賬是個人理財重要的一環,保持良好的記帳習慣,對改善財務有莫大裨益。

Posted on 
Aug 7, 2019
  by
Neva Kwok
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Reap News & Announcement

【Step-by-step practical guide】 How to use Reap dashboard?

The use of credit cards is becoming increasingly popular nowadays since they have attractive rewards and rebates arrangement. But have you ever thought of a scenario where the recipient does not accept credit cards? Can you still use credit card to pay? It may have been a no, but now, with Reap, it is definitely a yes.

Posted on 
Jul 19, 2019
  by
Neva Kwok
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Credit Cards

4 ways to optimize credit card spending

Credit card is an alternative means of payment which makes payment very convenient, especially online payment. With a credit card, you can slim your bulky wallet . Indeed, most of the time, what you need is merely a cardholder. That being said, the temptation to pay instantly with credit cards can be very hard to resist.

Posted on 
Jul 18, 2019
  by
Neva Kwok
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Managing Money

5 tips for college students to manage their finance

If you don’t know how to start managing your finance, set a goal. How much do you want to save every month? What number do you expect to see in your bank account upon graduation?

Posted on 
Jul 4, 2019
  by
Neva Kwok
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Reap News & Announcement

What kinds of expenses can I use Reap to pay?

Reap allows individuals and businesses to pay for any verified goods or services globally (~40 different currencies) even if the receiving side doesn’t accept cards.

Posted on 
May 7, 2019
  by
Daren Guo
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Growth Opportunity

When your business should take on debt

As business owners, taking on debt can be an effective of managing your cash flow. Whether you need it for business expansion (eg. hiring more people, buying more supplies, getting a bigger office space), or simply to provide peace of mind in case of unexpected delays in customer payment collection, external capital injections are an important part of operating any business.

Posted on 
Apr 26, 2019
  by
Daren Guo
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Credit Cards

How to pay rent with your credit card in Hong Kong and Singapore

In Hong Kong and Singapore, credit cards continue to dominate as the payment method of choice for almost all online transactions. This makes sense as unlike other payment methods (eg. cash, bank transfers, checks) credit cards come with a unique combination of security, rewards and convenience.

Posted on 
Apr 16, 2019
  by
Daren Guo
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Growth Opportunity

Buyer initiated payments: Increasing payment terms & optimizing working capital

Reap allows you to pay any recipient using any credit card, sending funds securely from the card directly to the recipient’s bank account, without the recipient needing to set up any kind of merchant account, processor, payment gateway or point-of-sale device. We have received a lot of questions in the past months about how this works, and so today I wanted to explain more about the model behind the scenes.

Posted on 
Apr 5, 2019
  by
Kevin Kang
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Managing Money

Looking For Short-Term Cash Flow Solutions in Hong Kong? What Option Is Right For Your Business

If you have an immediate cash flow problem, then the quickest fix might be a short-term financing solution. It’s the fastest way to get money in your bank account if you don’t plan on receiving any large revenue payments within the next day. Find out in this article, the 3 best options for your business in Hong Kong for short-term cash flow solutions.

Posted on 
Mar 28, 2019
  by
Kevin Kang
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Reap News & Announcement

Reap Cross-Border Payments Feature Available Now

Today, we're extremely excited to launch Reap cross-border payments to 40 different countries across the world.

Posted on 
Mar 13, 2019
  by
Daren Guo
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Managing Money

Cash Flow 101: How to forecast and manage cash flow

In the first article of this series we talked about why businesses should worry about measuring cash flow instead of profit. Today, we want provide a walkthrough of how small businesses can actually measure cash flow with minimal accounting knowledge.

Posted on 
Feb 24, 2019
  by
Daren Guo
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Credits & Loans

Is It Better to Get a Business Loan or a Business Line of Credit?

Small and medium sized business owners often will face this question when they have achieved a certain level of scale, and are considering options to finance their continued growth.

Posted on 
Feb 21, 2019
  by
Kevin Kang
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Managing Money

Working Capital Calculator - Demystifying what working capital means for your business

The general definition of working capital is the amount of money used for financing the day-to-day operations of a business. However, what does this definition actually mean in practice? Is it the amount of money in the bank account of your business? Is it the amount sitting in the cash register?

Posted on 
Feb 17, 2019
  by
Kevin Kang
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Managing Money

Cash flow 101: Why you should worry about cash flow instead of profit

82% of businesses fail due to poor cash flow management. Especially If you are a new SME (where cash management is especially challenging), it should be a key area of focus as you get your business up and running.

Posted on 
Feb 13, 2019
  by
Daren Guo
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Cross Border Payment

Going global : SME working capital financing for cross-border trade

As a nation with a relatively smaller domestic population, Singapore businesses have always thrived on being able to enter global markets. This ongoing trend of internationalisation is largely driven by Singapore’s advancements in innovation

Posted on 
Feb 1, 2019
  by
Kevin Kang
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Managing Money

Cash is Still King: How startups can manage and improve their cash flow

Startups live and die by their cash. According to a recent CB Insights study of 101 startup failures, running out of cash is the second biggest reason why startups fail, ahead of having the wrong team, competition, and pricing issues.

Posted on 
Apr 19, 2018
  by
Kevin Kang
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Managing Money

3 warning signs of potential cash flow problems

Whether it’s rent, utilities, equipment or salary -there are expenses, both small and large, to manage as part of the business. To support daily operations and potential business expansion, you should ensure that you have sufficient cash on hand to run your business.

Posted on 
  by
Daren Guo
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