新加坡2025年B2B支付实践趋势

B2B paymentpractices trends About the Atradius The Atradius Payment Practices Barometer is an annual survey ofbusiness-to-business (B2B) payment practices in markets across theworld. Our survey gives you the opportunity to hear directly from businessestrading on credit with B2B customers about how they are coping withevolving trends in customer payment behaviour. Staying informedabout these trends is vital because it helps to identify emerging shifts in Businesses operating in – or planning to enter – the markets andindustries covered by our survey can gain valuable insights from ourreports, which also shed light on the challenges and risks companies This report presents the survey results forSingapore. The survey was conducted during the second half of Q2 2025.Findings should therefore be viewed with this in mind. B2B paymentpractices trends Strengthening liquidity amid growingawareness of B2B payment risks A positive shift in the domestic business-to-business (B2B) creditlandscape is revealed in our latest survey of companies inSingapore. Three in five firms report improved customer paymentbehaviour in recent months, and overdue invoices currently affectan average 35% of all B2B sales transacted on credit. Late This may explain why 50% of companies in Singapore arechoosing not to expand trade credit to their B2B customers.However, our survey shows that businesses which do offer moretrade credit also implement stricter payment policies in parallel. Businesses in Singapore are increasingly focused on workingcapital efficiency. More than 60% are intensifying collectionefforts, which is reflected in shorter Days Sales Outstanding(DSO). At the same time, faster inventory turnover is unlockingadditional liquidity, improving operational flexibility. However, thisliquidity is under pressure from suppliers, many of whom are now To finance trade activity three in five businesses prefer invoicefinancing due to its ability to turn receivables into cash quickly.42% of firms in Singapore combine internal provisioning withoutsourced credit risk management, including insurance, tomitigate customer payment risk and enhance financial resilience. Key figures and charts Singapore Singapore % of the total value of B2B invoices paid on time,overdue and bad debts What are the top 4 reasons your B2B customers payinvoices late? (% of respondents - multiple response) Singapore Singapore % of respondents reporting changes in Days SalesOutstanding (DSO)* over the past 12 months What are the main sources of financing that yourcompany used during the past 12 months? 74% Invoice financing58% Internal funds39% Bank loans(% of respondents - multiple response) (% of respondents) Looking ahead Anxiety over global economy prompts subdued 73% of companies across industries in Singapore tell us theyexpect the rate of B2B customer insolvencies to continue atcurrent levels as they look to the remainder of the year andbeyond. This is an indication that many businesses foresee no This probably explains why 62% of firms are optimistic they willshorten their Days Sales Outstanding (DSO), reflecting a proactiveapproach to maintaining liquidity through swifter receivablesturnover. In contrast, inventory turnover is expected to remainconsistent, limiting opportunities to free up working capital cash In response to this companies plan to continue with a mixedapproach to customer payment risk management. Many combinein-house provisioning with outsourced credit risk tools, includinginsurance, to strengthen financial resilience amid a challenging There is widespread concern across all sectors in Singaporeexpress about ongoing uncertainty surrounding US trade policies,Anxiety is also expressed about geopolitical tensions, costpressures related to tariffs as well as disrupted supply chains, allof which are expected to weigh on domestic consumption by ATRADIUS PAYMENT PRACTICES BAROMETER – SURVEY RESULTS FOR SINGAPORE – 20256 Key industry insights Agri-food A marked shift in B2B trade credit practices is evident in the agri-foodsector. 47% of B2B sales are currently made on credit, reflecting awider trend of increased credit extension to support traderelationships. More than half of companies are relaxing their paymentpolicies, the current average payment term standing at 46 days. Mostfirms are experiencing worsened B2B customer payment behaviour, DSO trends are mixed, with improved collections for half ofcompanies, and the rest seeing no change. More than 50% ofbusinesses report quicker inventory turnover, unlocking some liquidityfor operations. However, many companies face pressure fromsuppliers demanding faster invoice settlements. Invoice financing andbank credit are the primary trade finance tools, while more than 70% Singapore - Agri-food Singapore - Agri-food Key industry figures 8ATRADIUS PAYMENT PRACTICES BAROMETER – SURVEY RESULTS FOR SINGAPORE – 2025 Key industry insights Energy and fuel 58% of B2B sale