Wayfinder Capital helps Singapore SME owners unlock financing against commercial property or their own residential property — no need to own a commercial unit to get started. Working capital and invoice financing also available.
We work across multiple banks and licensed financial institutions to match your application — we are not a lender ourselves.
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.
Whether it's a private home or a commercial unit, the property you hold can be turned into working capital or growth funding — without necessarily selling it. This is the primary way we help clients encash property value.
Unlock equity from your own privately-owned residential property (condo or landed — HDB flats are not eligible) to fund your business. Structured as financing secured against the director's personal property, assessed against personal income (TDSR applies).
Uses commercial or industrial property as collateral. Structured packages can extend financing beyond the standard mortgage with an additional business term loan, typically at lower rates than unsecured borrowing.
*Residential equity-backed financing is secured against the director's personal residential property and assessed under Total Debt Servicing Ratio (TDSR) rules, capped at 55% of personal income. HDB flats are not eligible for this facility. **Some lenders offer structured packages combining a standard commercial property loan (typically up to 80% LTV) with an additional unsecured business term loan, extending combined financing further. Actual eligibility, quantum, and rate depend on the lender's assessment of your business, the director's personal profile, and the property.
If property-backed financing isn't the right fit, these structures are also available. Your consultant will confirm which you actually qualify for.
A lump sum repaid over a fixed period. Commonly used for working capital, hiring, or general growth spending — a viable option if you don't own property yet.
Unlocks cash tied up in unpaid invoices or purchase orders, so you're not waiting on customer payment terms.
Loans supported under government risk-share schemes, typically offering more favourable terms for qualifying local SMEs — including for commercial property purchases.
A straight, sequential process — no telemarketing follow-up calls unless you've asked for one.
Use the calculator above, or submit the fuller form below. Takes under two minutes, no documents needed yet.
We assess which lenders and loan structures actually fit your business, before any paperwork changes hands.
Your application is matched to the banks or financial institutions most likely to approve it, reducing wasted applications.
Only the lender's formal offer is binding. You decide whether to proceed — there's no cost to you for the comparison itself.
Rather than approaching banks one at a time, your profile is matched against several institutions' criteria at once.
Applying to lenders unlikely to approve you can affect your credit profile. We aim to shortlist realistically.
Effective interest rates, early repayment terms, and processing fees explained before you sign anything.
Any consultancy fee, if applicable, is disclosed to you upfront in writing before you engage our services — never after.
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.
Free, general guides for Singapore business owners and property owners — no sign-up required.
Condo, landed or commercial? How property-backed financing works, and an honest answer to "Will I lose my home?"
Read the guide →The most common reasons Singapore banks decline applications, and what's usually still available afterward.
Read the guide →Property-backed financing, alternative lenders, and government-assisted schemes — for business owners and property owners alike.
Read the guide →How the "120% financing" structure actually works, and who typically qualifies for it.
Read the guide →Yes, if you personally own private residential property (a condo or landed home — HDB flats are not eligible). This is structured as financing secured against the director's own residential property, not a business asset, so it's assessed against the director's personal income under Total Debt Servicing Ratio (TDSR) rules, capped at 55%. Loan-to-value is typically up to 75%, lower than commercial property structures, since MAS enforces stricter caps on residential lending.
It's often a structured package, not one single loan. A standard commercial property loan typically covers up to 80% of your property's value; some lenders will pair this with an additional unsecured business term loan covering a further portion, extending the combined financing beyond the standard mortgage alone. This is generally available to companies with strong financials rather than every applicant — your consultant can confirm what you'd realistically qualify for.
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.
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.
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.
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.
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.
No cost, no obligation to proceed. A consultant will follow up only through the channel you choose below.