Success together, taken literally
We are a Singapore SME financing specialist. Our job is to get you funded on terms that still make sense in year three — and to tell you plainly when borrowing is the wrong answer.
We say yes when banks say no — and we tell you why
A credit score is a summary of the past. It does not know that your largest customer just renewed for three years, that last year’s dip was a one-off relocation, or that your margins improved the moment you brought fabrication in-house.
Our advisors read the business behind the numbers. Where the story is sound, we build the case and take it to the lender on our panel most likely to understand it. Where it is not, we say so directly and tell you what would need to change — rather than running you through an application that was never going to succeed.
Success together is not a slogan on the logo. Our advisors are not paid on volume, so nobody here has a reason to sell you a facility larger than the one you need.
What that looks like in practice
- One application, a panel of lendersWe place it with the institution most likely to approve, instead of you applying five times and marking your credit file each time.
- An honest no, quicklyIf it will not fly, you hear it on day one with the reasons, not after three weeks of silence.
- The full cost, before you commitRate, fees, and the effective annual cost written out in plain figures.
- The same advisor throughoutFrom first call to renewal, you deal with one named person.
Five reasons SMEs stay with us
Quick & Easy Application
A five-minute form and a secure upload link. No branch visits, no printed forms, no chasing.
High Approval Rate
Because we place each case with the right lender first time, our approval rate runs well above a single-bank application.
No Hidden Fees
One disclosed processing fee. No arrangement surprises, no undisclosed insurance bundling.
Dedicated Support
Advisors with sector experience in F&B, construction, logistics, manufacturing and professional services.
Built For Your Growth
Limits are reviewed as you grow. Most clients in good standing qualify for more at better pricing within a year.
The numbers behind the promise
Figures are cumulative across facilities arranged since inception and are reviewed quarterly.
How we work with you
Four conversations, not four weeks of forms.
Understand
A short call about what the money is for, when you need it, and what the business looks like today.
Structure
We model the realistic options side by side — including the one where you borrow less than you asked for.
Place
We take the case to the lender on our panel best matched to your profile, and manage the credit questions.
Support
After drawdown we stay in touch: annual reviews, refinancing checks, and a limit increase when you have earned it.
Advisors, not order-takers
Our team has sat on both sides of the table — in bank credit departments and in the finance seats of SMEs.
Marcus Tan
Managing Director
Eighteen years in SME and commercial credit across two regional banks before founding AI Success.
Priya Chandran
Head of Credit
Former corporate credit analyst; leads structuring for facilities above S$1 million.
Daniel Lee
Senior Advisor, Trade & Receivables
Specialises in invoice financing for construction and wholesale ledgers.
Aisyah Hassan
Client Success Lead
Manages post-drawdown relationships, annual reviews and limit increases.
Your data stays yours
Documents are transmitted over an encrypted connection and shared only with the specific lenders you authorise, case by case.
Regulated partners only
We arrange financing with banks and financial institutions regulated in Singapore. We are not a licensed moneylender and do not offer personal loans.
No fee to you for a placement
Our remuneration comes from the lender on completion, and we disclose it. You are never charged for an application that does not complete.
Talk to an advisor who reads the business, not just the score
A fifteen-minute call is usually enough to tell you whether you are fundable, on what terms, and what would improve them.