Fuel your business.
Achieve success.
Fast, flexible and hassle-free SME loans to help you seize opportunities and grow your business to the next level.
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Calculations are indicative and intended only as a guide, based on typical rates for lower-risk businesses. Your actual rate is confirmed in writing before you accept.
Why businesses choose
AI Success
Quick & Easy Application
Simple process, minimal paperwork — most applications take under five minutes.
High Approval Rate
We say YES when banks say NO, because we read your business, not just a score.
No Hidden Fees
Transparent terms, no surprises. Every cost is on the table before you sign.
Dedicated Support
Expert advisors who understand your industry and stay with you after drawdown.
Built For Your Growth
Facilities that scale with your business as revenue and ambition increase.
Financing shaped around your next move
Four core facilities, one application. Our advisors match you to the structure that fits your cash-flow cycle — not the other way round.
Working Capital Loan
Smooth out payroll, rent and supplier payments through seasonal dips.
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Up to S$5 millionBusiness Term Loan
A lump sum with fixed monthly repayments for expansion and big moves.
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Up to 90% of invoiceInvoice Financing
Turn 60 to 120-day payment terms into cash within 48 hours.
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Up to 100% of assetEquipment Financing
Acquire machinery, vehicles and fit-outs without draining reserves.
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SME Working Capital Loan features
The Enterprise Singapore scheme our advisors most often route SME applications through.
Up to S$500K financing
Access up to S$500,000 of working capital financing under the scheme.
Up to 5 years repayment
Maximum repayment period of 5 years, with no early redemption penalty.
Government risk sharing
50% government risk sharing, rising to 70% for young companies.
Enhanced government support for the SME Working Capital Loan — till March 2027
Enterprise Financing Scheme enhancements
Sep 2026 – Mar 2027
- SME Working Capital Loan: government risk-share raised to 70%
- Project Loan: government risk-share raised to 70%; covers domestic construction projects
One-off SME Cash Grant 2026
Nov 2026
- S$500 per local employee for eligible SMEs
- Capped at S$2,500 per SME
In July 2026 the government announced a new enhancement to the SME Working Capital Loan, in response to the Middle East conflict. Government risk sharing with participating financial institutions rises from 50% to 70% until March 2027.
What does this mean for SMEs? Credit conditions are likely to be more accommodative. Businesses exploring financing should look at the scheme before March 2027, while the enhanced risk-share is in place.
Check if you qualifyScheme details are published by Enterprise Singapore and are subject to change. Confirm current terms with your advisor before relying on them.
SME financing institutions
These are some of the participating financial institutions in the Enterprise Singapore SME Working Capital Loan.
Logos are trademarks of their respective owners and are shown for identification only.
How it works
Apply Online
Fill in a simple form in less than 5 minutes.
Get Quick Approval
Receive an indicative offer within 24 hours.
Sign & Disbursement
E-sign and receive funds fast.
Grow Your Business
Focus on what matters most — growing your business!
Real businesses.
Real results.
AI Success helped us secure the funds we needed to expand our operations. The process was fast, easy and hassle-free.
Ready to take your business further?
Get the right financing solution tailored to your needs.
Apply Now Call us: 8857 8585Meet AI Success
A short introduction to how we work, who we work with, and what happens after you apply.
Trusted by SMEs across various industries
What Singapore SMEs say
We were quoted six weeks by our bank. AI Success had an indicative offer on the table the next morning and funds in the account inside a week.
Invoice financing changed how we bid for jobs. We stopped turning away contracts just because payment terms were 90 days.
The advisor actually understood our seasonality and structured repayments around it. That is not something a portal can do.
Ready to take your business further?
Get a tailored financing recommendation from a Singapore-based advisor — no obligation, no impact on your credit standing.