Loan solutions built around how you actually trade
From a short-term cash-flow bridge to a five-year expansion facility — compare every option, see the real numbers, and apply once.
Match the facility to the need
Most SMEs do not need “a loan” — they need the right structure. A working capital line and a five-year term loan solve very different problems, and using the wrong one is expensive. Here is how they compare.
Working Capital Loan
Best when the gap is timing, not profitability: payroll before a big receivable lands, a bulk stock purchase ahead of peak season, or a supplier demanding shorter terms.
View detailsBusiness Term Loan
Best for a defined investment with a payback period: a second outlet, an acquisition, a fit-out, or consolidating scattered short-term debt into one predictable repayment.
View detailsInvoice Financing
Best when your customers are creditworthy but slow. Advance against approved invoices instead of borrowing against your balance sheet.
View detailsEquipment Financing
Best when the asset itself generates the return. The equipment secures the facility, so pricing is typically sharper than an unsecured loan.
View detailsCompare at a glance
| Facility | Amount | Tenure | Indicative rate | Typical use |
|---|---|---|---|---|
| Working Capital Loan | S$50k – S$500k | 6 – 24 months | From 2.88% p.a. | Cash-flow gaps, stock, payroll |
| Business Term Loan | S$100k – S$5m | 12 – 60 months | From 3.20% p.a. | Expansion, acquisition, refinancing |
| Invoice Financing | Up to 90% of invoice | 30 – 120 days | From 0.7% / month | Long customer payment terms |
| Equipment Financing | Up to 100% of asset | 12 – 84 months | From 2.98% p.a. | Machinery, vehicles, fit-out |
Rates shown are indicative starting points for well-qualified applicants and vary with credit profile, tenure and security. Your final offer letter will state all rates and fees in full.
Do you qualify?
Our baseline criteria are deliberately broad. If you fall just outside one of them, it is still worth a conversation — roughly a third of the businesses we fund did.
- Registered in SingaporeCompany, LLP or sole proprietorship with a valid UEN.
- At least 6 months of tradingYounger businesses can still apply with a guarantor or contracts in hand.
- Annual revenue from S$120,000Or a demonstrable forward order book.
- 30% local shareholdingRequired for certain government-assisted schemes only.
- Director aged 21 and abovePersonal guarantee is typical for unsecured facilities.
What you will need to submit
Everything is uploaded through a secure portal — no printing, no branch visit.
- ACRA business profileDated within the last 6 months.
- 6 months of bank statementsOperating accounts, PDF direct from your bank.
- Latest financial statementsOr management accounts if unaudited.
- Director’s NRIC and Notice of AssessmentTwo most recent years.
Beyond the loan
Financing is one decision inside a bigger plan. Our advisors help you get the rest right too.
Structure Review
We model two or three structures side by side so you can see the true cost of each before committing.
Government Schemes
Where you qualify, we route the application through Enterprise Singapore-backed programmes for better pricing.
Refinancing Health Checks
A free annual review of your existing facilities — many clients cut monthly outgoings without borrowing more.
Not sure which facility fits?
Tell us what the money is for and we will come back with a recommendation, a rate, and the honest trade-offs of each option.