Choco Up

choco-up.com/?utm_source=p_capboard&utm_medium=generic

VCMatch tracks Choco Up as an investor focused on Consumer, E-commerce, and Enterprise SaaS companies, Pre-Seed and Seed rounds, Singapore, Southeast Asia, and Asia Pacific markets, and $100k check sizes. Upload your deck to compare your startup against the full private matching profile.

Check Size

$100k

Stages

Pre-Seed, Seed, Growth

Focus Areas

Consumer, E-commerce, Enterprise SaaS

Geography

Singapore, Southeast Asia, and Asia Pacific

Investment Thesis

Choco Up positions itself as a provider of revenue-based, non-dilutive capital focused on enabling growth for startups and small businesses. The firm emphasises flexible, fast, and personalised financing that “helps fund startups and small businesses so that they can focus on innovation and growth to scale their business with confidence,” and aims to remove traditional funding barriers (equity dilution, rigid repayment schedules) so founders can prioritise scaling and cash-flow management.

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Investment Focus

Who should take a closer look

Choco Up is most relevant for founders raising Pre-Seed, Seed, and Growth rounds in Consumer, E-commerce, Enterprise SaaS, and Foodtech, especially across Singapore, Southeast Asia, and Asia Pacific, with public check-size signals around $100k.

Focus statement

Choco Up focuses on revenue-based financing and sales-based financing for startups, retailers, restaurants, e-commerce and SMEs in Singapore/Asia — offering both sub-$100k and >$100k products — with solutions described as “flexible and fast startup funding” and “non-dilutive.”

Value Add

Revenue-based / sales-linked repayment model (multiple pages pitch revenue-based financing as core).
Non-dilutive capital: “Our non-dilutive funding solutions allow you access to the capital you need to scale up without giving up equity...” and “We don't require equity, allowing you to focus on growing without diluting ownership.”
Tiered product offering for different ticket sizes: “Upstart offers funding under $100,000 without requiring any stake” and “Upstart Plus offers you funding over $100,000 to get started.”
Fast, tailored service with a dedicated manager: “Connect with your dedicated manager to discuss your financing options and tailor a solution that works for you.”
Partner ecosystem and platform benefits: partners get marketplace visibility, deferred-payment customers, PR/marketing support and access to Choco Up’s network (“Becoming our partner means we're fully dedicated to your success.”; “Our platform offers customers deferred payment options.”)
Positioning as an alternative to traditional loans and equity (explicitly contrasted with bank loans and angel investors, highlighting flexible repayments and non-dilutive nature).