The businesses behind the numbers
Four Singapore SMEs, four very different problems, and the facilities that solved them. Client names are used with permission; figures are as at drawdown.
Real businesses. Real results.
From one shophouse cafe to four outlets in 20 months
The challenge
A profitable single-outlet cafe had signed a lease on a second unit, but the landlord wanted twelve months of rent up front and the fit-out quotation landed 30% above budget. Their bank asked for two years of audited accounts they did not yet have.
What we arranged
We split the requirement: a S$180,000 working capital loan covering the rent deposit and early payroll, and separate equipment financing for the kitchen build so the fit-out did not consume the unsecured limit.
The outcome
The second outlet opened seven weeks later. Two further outlets followed, each funded on improved terms as the trading record built.
AI Success helped us secure the funds we needed to expand our operations. The process was fast, easy and hassle-free.
A S$800,000 machining centre financed without touching reserves
The challenge
A long-standing precision components supplier won a three-year automotive contract that required capacity they did not have. Buying the machining centre outright would have consumed almost their entire cash reserve just as headcount needed to rise.
What we arranged
Equipment financing at 100% of asset cost over 60 months, structured so the monthly repayment sat comfortably below the additional monthly contribution the contract generated, plus a modest working capital line for the associated hiring.
The outcome
Capacity came online before the contract start date, reserves stayed intact, and the facility is being repaid out of the revenue it created.
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.
Bidding for bigger jobs once 90-day terms stopped being a barrier
The challenge
A commercial fit-out contractor was turning down tenders from main contractors purely because payment terms of 90 to 120 days meant they could not fund materials and subcontractors across concurrent projects.
What we arranged
A revolving invoice financing facility against certified progress claims, advancing 85% within 48 hours of submission, with limits set per debtor rather than a single overall cap.
The outcome
They now run three concurrent projects instead of one, and have stopped declining tenders on payment terms alone.
Invoice financing changed how we bid for jobs. We stopped turning away contracts just because payment terms were 90 days.
Four scattered facilities consolidated into one repayment
The challenge
Rapid growth had left the company with four short-term facilities taken at different times, at different rates, with repayment dates spread across the month. Total monthly outgoings had quietly become unmanageable.
What we arranged
A single S$1.2 million business term loan over 48 months refinancing all four facilities, arranged through a bank on our panel at a materially lower blended rate.
The outcome
Monthly debt servicing fell by roughly a third with no new net borrowing, and the finance team went from four reconciliations a month to one.
Nobody had ever offered to just add up what we were actually paying. Seeing it on one page made the decision obvious.
In their own words
The advisor actually understood our seasonality and structured repayments around it. That is not something a portal can do.
They told us to borrow S$120,000, not the S$200,000 we asked for, and explained exactly why. That is the moment they earned the relationship.
Two banks declined us on the age of the company. AI Success placed it with a financier who looked at our order book instead.
Documents uploaded on Tuesday, offer on Wednesday, funds on Friday. I keep waiting for the catch and there has not been one.
The annual review found us a cheaper facility we were not even asking about. It cut a four-figure sum off our monthly cost.
What I value most is the straight answer. When one of our applications was not going to work, they said so on the first call.
Your story could be next
Tell us what you are trying to build. We will tell you what is fundable today and what would make it fundable tomorrow.