01Business lending
SME Business Loans
Explore funding for expansion, business investment and operational needs.
Explore this solution SINGAPORE BUSINESS FINANCING ADVISORY
Financing to move
your business
forward.
From working capital to property-backed financing, explore the options behind your next business decision—with clearer guidance, practical comparisons and support.
Advisory-led approach Singapore SME focus Clear cost considerations
Funding with a purposeA clearer path from business needs to financing options
Business-first adviceStart with your goals, not a product
Compare the full costUnderstand rates, fees & terms
Property & SME focusSecured and unsecured options
Clear, responsible guidanceNo guaranteed approval claims
01 / FINANCING SOLUTIONSEvery business moves differently.
Every business moves differently.
Find your way forward.
Explore financing approaches for working capital, property, machinery and trade. Our advisory process starts with your needs, not a one-size-fits-all loan.
01
02Cash-flow planning
Working Capital
Review facilities for payroll, stock purchases, suppliers and daily operations.
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03Real estate funding
Commercial Property
Consider purchasing or refinancing eligible commercial and industrial space.
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04Asset-backed finance
Property Equity Financing
Understand ways eligible property value may support business liquidity.
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05Productivity & assets
Equipment & Asset Finance
Explore financing for machinery, vehicles and revenue-generating assets.
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06Trade & receivables
Trade & Invoice Finance
Review facilities supporting import-export cycles and eligible receivables.
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Built around your next move.
02 / ADVISORY-LEDMore than a loan.
Start a conversation
More than a loan.
A financing strategy.
A useful financing decision balances today’s needs with tomorrow’s cash flow. We want every enquiry to start with better questions and clearer options.
01
Financing strategy & structuring
Clarify how much capital the business needs, why it is needed and how repayment may affect cash flow.
02
Lender and facility comparison
Consider the structure, cost, eligibility and trade-offs of relevant financing choices.
03
Application preparation
Identify documentation requirements and present the business profile accurately.
04
Refinancing & property review
Assess whether restructuring or secured financing could suit your business objectives.
03 / HOW IT WORKSA clear path from
A clear path from
conversation to clarity.
We help you understand financing requirements and possible options before you commit to an application.
01
Tell us your plans
Tell us what you are financing, the amount and your timeline.
02
Review your profile
Consider cash flow, existing commitments and documentation.
03
Compare your options
Assess possible financing structures, fees, and trade-offs.
04
Prepare next steps
Gather application information if an option fits your needs.
FEATURED SOLUTION / PROPERTY EQUITYYour property might hold
Your property might hold
more possibilities.
Property equity financing can be one avenue for eligible business owners to explore liquidity. The right structure depends on property type, outstanding loans and lender criteria.
Explore property financing
04 / PLAN AHEAD
Know the numbers.
Know the numbers.
Before you commit.
Use our interactive Singapore business loan calculator to explore repayment scenarios. Enter an amount, interest rate and tenure, then choose the way the interest is quoted.
- Calculate monthly repayments instantly
- Compare reducing-balance and flat-rate loans
- View and download a repayment schedule
Interest is calculated on the outstanding loan balance each month.
S$10,000S$5,000,000
0%30%
1 month360 months
Please enter valid numbers within the permitted ranges.
Estimated monthly repayment
Total interest—
Total loan repayment—
View monthly repayment schedule
| Month | Opening | Principal | Interest | Payment | Balance |
|---|
Amounts are estimates. The final payment may differ slightly due to rounding.
Illustration only, not a bank quote or financing approval. Assumes a fixed annual interest rate and monthly instalments. Flat rates apply to the original principal; reducing rates apply to the remaining balance. Flat and reducing percentages are not directly comparable. Calculations exclude processing fees, insurance, late charges and other costs; actual effective interest rates (EIR) and bank repayment methods can differ.
05 / BETTER COMPARISONS
A low headline rate isn't the whole picture.
When reviewing loan offers, the right comparison looks beyond the advertised percentage.
True borrowing cost
Consider flat vs reducing-balance rates, EIR, administration fees and other charges.
Flexible terms
Compare loan tenure, repayment schedules, early repayment conditions and cash-flow fit.
Security & guarantees
Understand any collateral, property charges or personal guarantees that may be needed.
Eligibility & paperwork
Review lender requirements, documentation and any conditions before proceeding.
06 / FINANCING INSIGHTSBetter questions lead to
Better questions lead to
better financing decisions.
Explore practical topics that matter before applying for SME funding in Singapore.
PROPERTY FINANCING
What to review before refinancing a commercial property
Ownership, valuation, tenure and cash-flow considerations.
Discuss your options
WORKING CAPITAL
Financing inventory and everyday operations
Choose facilities that match your operating cash cycle.
Ask for guidanceLOAN COSTS
Flat rate versus reducing-balance interest
Why two advertised percentages may cost very different amounts.
Try the calculator07 / YOUR QUESTIONSYour questions.
Your questions.
Better answers.
Start with clear information about business finance and property-backed borrowing in Singapore.
What are the main types of SME loans in Singapore?
Common options include unsecured business term loans, working-capital facilities, trade financing, equipment financing and financing secured by eligible property. Eligibility and rates depend on the lender and borrower.
Can I use property equity to finance my business?
Certain commercial or residential property financing structures may allow eligible owners to release equity, subject to the property type, ownership, lender criteria and regulatory requirements. An assessment is necessary.
How do I compare business loan interest rates?
Compare effective interest rate where available, as well as total interest, fees, repayments, loan tenure, collateral and early-settlement terms. Flat or simple rates should not be treated as equivalent to reducing-balance rates.
What documents might a financing application require?
Lenders may ask for company registration details, business financial statements, bank statements, owners’ identification and information on existing liabilities. Requirements differ by facility and lender.
Does an enquiry guarantee a loan approval?
No. Any financing application remains subject to the relevant lender’s credit, affordability, collateral and compliance assessment.
LET'S TALK FINANCING
Your next business move starts with a conversation.
Tell us what your business is working toward. Contact our business financing advisory team using the form, or email [email protected].
- Share the type of financing you're considering.
- Outline your target amount and timing.
- Get a more focused financing discussion.
Customer enquiriesBusiness financing enquiries are directed to [email protected] once the contact form has been activated. Please do not send NRIC, bank statements, account numbers or other sensitive documents through this form.
Let's make your next move count.
Request a financing assessment
Complete this form to enquire. For direct email, contact [email protected].