SME financing consultancy · Singapore

Working capital for your business, sized before you apply.

See an indicative loan range in under a minute. Speak with a consultant only when you're ready — no cold calls, no obligation, no pressure to proceed.

We work across multiple banks and licensed financial institutions to match your application — we are not a lender ourselves.

Indicative estimate SGD
Estimated eligible range
Illustrative tenure
Ballpark monthly instalment

This is a rough, non-binding estimate for discussion purposes only. It is not a loan offer, quotation, or approval, and actual eligibility, loan amount, tenure, and interest rate are determined solely by the financial institution after formal underwriting and required checks.

Financing options

Four ways SMEs typically fund growth

Every business's cash flow is different. Here's a general, indicative comparison — your consultant will confirm which structures you actually qualify for.

Unsecured

SME Term Loan

A lump sum repaid over a fixed period. Commonly used for working capital, hiring, or general growth spending.

  • Typical tenure1 – 5 yrs
  • CollateralUsually none
  • Best forCash flow gaps
Revolving

Trade / Invoice Financing

Unlocks cash tied up in unpaid invoices or purchase orders, so you're not waiting on customer payment terms.

  • Typical tenure30 – 120 days
  • CollateralInvoice-backed
  • Best forB2B / long payment terms
Government-assisted

Enterprise Financing Scheme Loans

Loans supported under government risk-share schemes, typically offering more favourable terms for qualifying local SMEs.

  • Typical tenureUp to 5 yrs
  • CollateralVaries by scheme
  • Best forRegistered local SMEs
Secured

Property-Backed Financing

Uses commercial, industrial, or in some cases residential property as collateral, typically unlocking larger loan quantums at more favourable rates.

  • Typical tenureUp to 15–20 yrs
  • CollateralProperty-backed
  • Best forLarger capital needs
Process

What happens after you submit your details

A straight, sequential process — no telemarketing follow-up calls unless you've asked for one.

01

Check your indicative range

Use the calculator above, or submit the fuller form below. Takes under two minutes, no documents needed yet.

02

A licensed consultant reviews your profile

We assess which lenders and loan structures actually fit your business, before any paperwork changes hands.

03

We shortlist and submit on your behalf

Your application is matched to the banks or financial institutions most likely to approve it, reducing wasted applications.

04

You review formal offers, with no obligation

Only the lender's formal offer is binding. You decide whether to proceed — there's no cost to you for the comparison itself.

Why a consultant

What a broker adds that a direct bank application doesn't

One application, multiple lenders

Rather than approaching banks one at a time, your profile is matched against several institutions' criteria at once.

Fewer rejected applications on your record

Applying to lenders unlikely to approve you can affect your credit profile. We aim to shortlist realistically.

Plain-language guidance on the fine print

Effective interest rates, early repayment terms, and processing fees explained before you sign anything.

No cost to explore your options

Any consultancy fee, if applicable, is disclosed to you upfront in writing before you engage our services — never after.

General eligibility guidelines

  • Business registered with ACRA (sole proprietorship, partnership, or company)
  • At least 30% local shareholding, for most government-assisted schemes
  • Operating for a minimum period, typically 6 months to 2 years depending on the lender
  • Minimum monthly or annual revenue thresholds, which vary by lender and loan type

Documents typically requested

  • ACRA business profile (BizFile)
  • Latest 6–12 months of company bank statements
  • Financial statements or management accounts
  • NRIC of business owners / guarantors

These are general, indicative guidelines only. Actual eligibility criteria are set by each financial institution and may differ from what is listed here. Meeting these general points does not guarantee approval.

FAQ

Common questions

What interest rates should I expect? +

Rates depend on the lender, loan structure, your business's credit profile, and prevailing market conditions, so we don't publish a fixed number here. Your consultant will walk you through the effective interest rate (EIR) for any offer you receive before you decide.

Do you charge me a fee? +

Our fee structure, if any applies to your case, is disclosed to you in writing before you engage us — never deducted silently from a loan disbursement without your knowledge.

Will submitting the form affect my credit score? +

No. Submitting your details to us does not trigger a credit bureau check. A check only occurs if and when you proceed with a formal application to a specific lender.

How long does approval typically take? +

This varies by lender and loan type, and depends on how complete your documentation is. Your consultant will give you a realistic timeline for the specific institutions being approached on your behalf.

Are you a licensed moneylender or a bank? +

We are a financing consultancy that helps match SME owners to banks and licensed financial institutions; we are not ourselves a bank or licensed moneylender, and we do not lend money directly. [Insert your registration / license details here, as applicable.]

Get started

Tell us about your business

No cost, no obligation to proceed. A consultant will follow up only through the channel you choose below.

Thanks — your enquiry has been recorded. A consultant will reach out via your preferred contact method, typically within one business day.