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Loan Types

Every SME need,
covered

From working capital to property-backed facilities — we have the right solution for every stage of your business journey.

Indicative Rates
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
Our Products

Choose the right
facility for you

Business Term LoanMost Popular
01

Business Term Loan

Bank & Non-Bank

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
Best for: Working capital, expansion, equipment purchase
Invoice FinancingFast Approval
02

Invoice Financing

Unlock Receivables

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
Best for: Businesses with large outstanding invoices or long payment cycles
Property-Backed LoanLarger Amounts
03

Property-Backed Loan

Secured Financing

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
Best for: Business owners who own commercial or industrial property
Revenue-Based FinancingFlexible
04

Revenue-Based Financing

Flexible Repayment

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
Best for: Retail, F&B, and businesses with variable monthly income
Line of CreditOn Demand
05

Line of Credit

Standby Facility

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)
Best for: Businesses needing flexible, on-demand access to capital
Bridging LoanQuick Access
06

Bridging Loan

Short-Term Capital

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
Best for: Businesses bridging a temporary funding gap

Not sure which loan fits?

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