Business term loan
Up to S$5 million over five years — a single, predictable facility for expansion, acquisition or consolidating expensive short-term debt.
Fund the decision that changes the size of your business
A term loan is the right instrument when you can name the investment and estimate its payback: a second outlet, a production line, buying out a partner, or taking over a competitor’s book of clients. You take a lump sum today and repay it in equal instalments over an agreed period.
It is also the quiet workhorse of debt consolidation. Businesses that have accumulated three or four short-term facilities at different rates often cut their monthly outgoings materially by folding them into one longer term loan — without borrowing another cent.
Best suited to
- Expansion projectsNew premises, additional outlets, or entering an adjacent market.
- Acquisitions and buy-outsPurchasing a competitor, a client book, or a departing shareholder’s stake.
- Major fit-outs and renovationCapital works with a multi-year useful life.
- Debt consolidationReplacing several expensive short-term facilities with one predictable repayment.
What a term loan gives you
Substantial quantum
Facilities up to S$5 million, structured across our panel of banks and licensed financiers where a single lender cannot take the whole exposure.
Tenure that matches the payback
Up to 60 months, so repayments track the return the investment actually generates.
Fixed rate for the full term
Your instalment is set at drawdown and does not move with market rates.
Government-assisted options
Where you qualify, we route applications through Enterprise Singapore-backed schemes for sharper pricing.
Structured drawdown
For staged projects, funds can be released in tranches so you are not paying interest on idle cash.
One point of accountability
We manage the lender relationship, the documentation and the conditions precedent on your behalf.
S$800,000 over 48 months
A precision engineering firm financed a second workshop and the machinery to fill it, sized so that repayments stayed comfortably inside the new site’s contribution.
Illustrative only. Your own terms depend on credit assessment and are confirmed in writing before you accept.
From application to funds
Scope the project
A short call to size the facility properly — too small is as damaging as too large.
Full submission
Financial statements, management accounts and, where relevant, projections or a quotation.
Credit decision
An indicative offer within 24 hours; formal approval typically inside five working days.
Documentation and drawdown
We clear the conditions precedent with the lender and release funds, in tranches if needed.
Questions about business term loans
Principally by your financial track record, the tenure, and whether any security is offered. Two years of profitable audited accounts and a clean repayment history move the rate materially. We will show you what a shorter tenure or partial security does to the number before you commit.
Yes, and it is one of the most common uses. We will model your current total monthly outgoings against the consolidated facility so the saving — or its absence — is visible before you decide.
Not always. Facilities up to around S$1 million are frequently unsecured with a director’s personal guarantee. Larger amounts usually involve some form of security, most often property or the asset being financed.
An indicative decision within 24 hours, formal approval typically in three to five working days, and drawdown once documentation and any conditions precedent are cleared. Straightforward cases complete inside two weeks.
Talk to your advisor early. Restructuring a facility while it is performing is far easier than after a missed payment, and we have arranged repayment holidays and term extensions for clients who came to us in time.
Also worth considering
Working Capital Loan
For shorter, smaller cash-flow gaps, a working capital facility is faster and simpler.
Learn more →
Equipment Financing
If most of the spend is a single asset, financing it directly is usually cheaper.
Learn more →
Invoice Financing
Fund growth from your own receivables rather than adding term debt.
Learn more →
Planning something bigger?
Bring us the project. We will size the facility, model two or three structures, and tell you honestly which one costs you least.