Working capital loan
An unsecured facility of up to S$500,000 that keeps payroll, rent and suppliers paid while you wait for revenue to land.
For when the business is healthy but the timing is not
Profitable companies run out of cash all the time. A customer stretches from 30 days to 75, a landlord asks for a year of rent up front, a bulk order needs paying before the season it was bought for. None of that means the business is in trouble — it means money is arriving later than it is leaving.
A working capital loan closes that gap. Funds are unsecured and unrestricted: you decide whether they go to payroll, stock, marketing or a deposit. Repayments are fixed monthly instalments, so the cost is predictable from day one.
Best suited to
- Seasonal businessesRetail, F&B and events companies funding a build-up before peak trading.
- Companies with slow-paying customersWhere receivables are sound but the collection cycle is long.
- Growing headcountHiring ahead of revenue, where salaries start before the new team bills.
- Opportunistic purchasesBulk stock at a discount, or a supplier offering better terms for early settlement.
Why SMEs choose this facility
No collateral required
The facility is unsecured. Your property, equipment and receivables stay unencumbered and available for other financing.
Funds in as little as 48 hours
Complete applications submitted before noon usually receive an indicative decision the same working day.
Fixed, predictable repayments
Equal monthly instalments across the tenure. No balloon payment, no rate resets mid-term.
Transparent all-in cost
One processing fee, disclosed up front. No early-settlement penalty after the sixth instalment.
Grows with your track record
Clients in good standing are typically offered a higher limit at renewal, often at a better rate.
A named advisor
The same person handles your application, your drawdown and your renewal. No call-centre queue.
S$150,000 over 12 months
A Singapore F&B group borrowed S$150,000 to fund stock and staffing ahead of the year-end season, then repaid it out of the trading it created.
Illustrative only. Your own terms depend on credit assessment and are confirmed in writing before you accept.
From application to funds
Apply online
A five-minute form covering your business, the amount and what it is for.
Upload documents
ACRA profile, six months of bank statements and director identification through a secure link.
Receive your offer
An indicative decision within 24 hours, with the full rate and fee breakdown.
Sign and draw down
E-sign the agreement and receive funds directly into your operating account.
Questions about working capital loans
For unsecured facilities, yes — a director’s personal guarantee is standard practice across the Singapore market. It does not require you to pledge a specific asset, but it does make you personally responsible if the company defaults. We will always confirm this in writing before you sign.
Yes. After the sixth instalment there is no early-settlement penalty, and interest is rebated on a pro-rata basis for the unexpired term. Settling within the first six months attracts a small administrative fee, which is stated in your offer letter.
An eligibility check does not itself affect your credit standing. A formal application involves a credit bureau search, which is recorded. We only submit that search once you have seen an indicative offer and asked us to proceed.
We can often still help, particularly where directors have a track record in the same industry or where you hold signed contracts. Younger companies may be offered a smaller starting limit that increases as repayment history builds.
We ask, because it helps us match you to the right structure and tenure — but the funds are not restricted to that purpose once drawn.
Also worth considering
Invoice Financing
If the gap is specifically caused by unpaid invoices, financing them directly is usually cheaper.
Learn more →
Business Term Loan
For a larger sum over a longer horizon, a term loan spreads the cost further.
Learn more →
Equipment Financing
Buying an asset? Securing the facility against it typically lowers the rate.
Learn more →
Need working capital this week?
Check your eligibility in under five minutes. No documents needed for the initial check, and no obligation to proceed.