01
Business Term Loan
Up to 6x monthly cashflow. Bank rates from 5–12% p.a., up to 5-year terms.
Singapore SME Financing
Funding that movesat the speed of business
Vault Capital connects Singapore SMEs with the right lenders — fast, transparent, and tailored to your growth ambitions.
Partnered with Major Financial Institutions
About Us
Your trusted partner in SME financing
At Vault Capital, we specialise in clear, customised loan advisory for Singapore's SMEs. We work with banks and non-bank lenders to match you with the most suitable financing — bridging loans, working capital, invoice financing, and more.
✓
Free advisory for all signed clients✓
Access to 30+ lenders with one application✓
No collateral needed for unsecured facilities✓
Loan amounts up to S$2,000,000Our Services
Financing for every stage
02
Invoice Financing
Unlock up to 80% of invoice value immediately. Improve cash flow without waiting 30–90 days.
03
Property-Backed Loan
Up to 80% LTV on commercial or industrial property. New purchase, refinancing, or equity cash-out.
04
Revenue-Based Financing
Repayments as a percentage of revenue. Ideal for businesses with variable income cycles.
05
Line of Credit
Standby facility for urgent needs. Pay interest only on what you draw. Renews annually.
06
Bridging Loan
Short-term capital for time-sensitive gaps. Fast approval turnaround.
30+Lender Partners
500+Clients Served
S$100M+Loans Facilitated
48hrsAvg. Approval Time
Why Vault Capital
One application. Every lender.
No collateral needed for unsecured facilities
Most SME loans don't require property as collateral.
Loan amounts up to S$2,000,000, flexible terms up to 5 years
Sized for Singapore SMEs across all industries.
Free advisory for all signed clients — no hidden charges
We earn only when you get funded.
Access 30+ lenders with a single application
Stop submitting the same paperwork to every bank.
Competitive rates, low advisory fees
We negotiate on your behalf across the entire panel.
Business Term Loan (Bank)5–12% p.a.
Business Term Loan (Non-Bank)6–36% p.a.
Invoice Financing12–36% p.a.
Property-Backed Loan3–36% p.a.
Max Loan AmountS$2,000,000
Max Tenor5 years
Find the right loan for your business
Takes under 5 minutes. No commitment. Get your eligibility assessment today.