Every SME need,
covered
From working capital to property-backed facilities — we have the right solution for every stage of your business journey.
Choose the right
facility for you
Most PopularBusiness Term Loan
The most common SME financing option. Borrow a fixed sum and repay in monthly instalments over an agreed tenure.
- ✓ Loan amount up to S$2,000,000
- ✓ Tenure up to 5 years
- ✓ Bank rates from 5–12% p.a.
- ✓ Non-bank rates from 6–36% p.a.
- ✓ No collateral required (unsecured)
- ✓ Based on up to 6x monthly cashflow
Fast ApprovalInvoice Financing
Convert unpaid invoices into immediate working capital. Stop waiting 30–90 days for customers to pay.
- ✓ Up to 80% of invoice value upfront
- ✓ Interest only on amount drawn
- ✓ Rates from 12–36% p.a.
- ✓ Available for B2B invoices
- ✓ Approval within 24–48 hours
- ✓ No property collateral needed
Larger AmountsProperty-Backed Loan
Use your commercial or industrial property as collateral to unlock larger loan amounts at lower rates.
- ✓ Up to 80% LTV on commercial/industrial property
- ✓ Larger loan quantum available
- ✓ Lower interest rates vs unsecured
- ✓ New purchase, refinancing, or equity cash-out
- ✓ Rates from 3–36% p.a.
- ✓ Flexible tenure options
FlexibleRevenue-Based Financing
Repay as a percentage of monthly revenue. Pay more when business is good, less when it is slow.
- ✓ Repayments tied to monthly revenue
- ✓ No fixed monthly instalment
- ✓ Ideal for seasonal businesses
- ✓ No collateral required
- ✓ Fast disbursement
- ✓ Revenue history required
On DemandLine of Credit
A pre-approved credit limit you can draw from anytime. Pay interest only on what you use.
- ✓ Draw down anytime, repay anytime
- ✓ Interest on drawn amount only
- ✓ Revolving — replenishes as you repay
- ✓ Renews annually
- ✓ Ideal for emergency liquidity
- ✓ No collateral (unsecured options)
Quick AccessBridging Loan
Cover short-term funding gaps between a property sale, contract disbursement, or while waiting for longer-term financing.
- ✓ Fast approval and disbursement
- ✓ Short tenure (1–12 months)
- ✓ Flexible repayment structure
- ✓ Suitable for time-sensitive gaps
- ✓ Available for property and business
- ✓ Both secured and unsecured options
Not sure which loan fits?
Our advisors will match you to the right product — for free. Takes under 5 minutes.