Short Of Cash-Flow Streams

Doing All To Support Businesses.

Bringing positive cash-flow streams and effective solutions to fight against Covid-19 outbreak and uncertainty.   



Save Businesses, Jobs & Families.


Job Support Scheme


Deferred Tax Payment


Property Tax Rebate


Aviation Support


Loan Capital Support


Self-Employed Support


Unemployment Support


Care & Support Package

Series Of Capital Measures Helping Companies To Solve The Financial Difficulties Caused By Covid-19.

In all, a total of nearly $55b has rolled out in March 2020 to cushion the fallout from Covid-19. Businesses, workers and families can make use of these capital supports to deal with the negative cash flow issues and take advantage to embrace new growth opportunities.   


The new financing measures are providing companies with cheap working capital loans to overcome the current predicaments and improve capabilities to drive for business growth.

Cashflow Loan Supports

$1.0m Enhanced SME Working Capital Loan
  • Working capital loan increased from $600k to $1m;

  • Fixed interest from 3.62% pa;

  • Start from Mar 20 to Mar 21.

$5.0m Bridging Loan For All Industry
  • Working capital loan increased from $1m to $5m;

  • Fixed interest from 2.5% pa;

  • Start from Mar 20 to Mar 21.

$10.0m Trade Loan & 80% premium subsidy
  • Revolving trade facility to make the purchase of stock.

  • Reasonable interest rate & fee;

  • Up to 80% insurance subsidy.

Other Government Capital Loans Support.

  • $30m SME Fixed Asset Loan - Finance local and overseas fixed assets investment.

  • $5m Venture Debt Loan - Finance the new growing innovative business.

  • $50m Project Finance - Finance the awarded overseas projects.

  • $50m Merger & Acquisition Finance - Support the acquisition of local or oversea enterprises.

  • Trade Credit Insurance Scheme - Protect against non-payment by the new customers.

  • Political Risk Insurance Scheme - Safeguard companies overseas projects against political uncertainty.


These financing and protection initiatives are providing to companies to venture overseas markets with the intent to drive for long-term economic growth and internationalization.


Financing Journey Starts From Here.

Let us demonstrate the smart ways to finance your business.

Contact Us For Financing Inquiry.
How you want us to contact you.
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Effective Ways To Build Positive & Multiple Cashflows Stream.

Securing credit and cash from banks can be difficult for many businesses if the companies failed to meet the credit borrowing requirements. This could cause severe problems for companies when cash is running out. 

Come to us to obtain a free credit assessment and financial insights on how to build good credit and get cost-effective loans from the banks. 

We are here to solve your capital needs.


Banks & PFIs - Working Capital Loans /

SME Business Loans 

Attractive Features - Higher loan quantum, attractive interest rates, and longer repayment periods offering from the following banks and the participating financial institutions:

  • Annual Interest rate: From 3.5% pa (equivalent 6.25% pa onwards).

  • Repayment period: Up to 60 months.

  • Facility fee: 1% to 2% (one-time).

  • Loan quantum: Up to S$1,000,000 (SME working capital loan).

  • Loan quantum: Up to S$5,000,000 (Bridging loan).

  • Multi-products source: Term loan, overdraft, corporate credit card.

CitiBusiness / CIMB / DBS / Maybank​ / RHB / OCBC / SCB / UOB /    Hong Leong Finance / Sing Investment / Singapura Finance

Orix Leasing / IFS Capital / Ethoz Capital

P2P / Alternatives - Fintech

Business Loans 

Attractive Features - Speedy loan approval, digitalize transactions and fast loan disbursement offering from the following crowd-funding platforms and the private-owned lending companies:

  • Monthly Interest rate: From 1.79% to 3.5% per month.

  • Repayment period: Up to 12 months.

  • Facility fee: 3% to 5% (one-time).

  • Loan quantum: Up to S$500,000 (Commercial).

  • Products source: Term loan.

  • Other related sources: Invoice financing.

Funding Societies / Moolahsense / Capitall / Validus Capital

Aspire Financial / Multiply / Minterest / Fundtier / Xingang Investment  Crowd-Genie / Seedin / Kapital Boost


Our Core Services

Deliver First-Class Rated SME Financial Services To Businesses since 2005.

Good credit and cash likely shaping businesses with stronger financial strengths and resilience allow the company more easily to navigating in the tough market conditions. 


Over the past 15 years, we continue working hard and introduce an array of financial services with the aim to serve our clientele well to deal with future challenges and meeting long-term business needs.

Responsible financing solutions meet all SMEs & big corporations' capital & business needs.

Outsourced CFO Services

Reshaping company's financial strengths to prepare for future fast-change market environments.

Outsource Account Services

Switch over to cloud-based accounting platform for 24/7 viewing of the financial reports.

P2P Financing Solutions 

New financing gateways, a 2nd pillars supporting for our tomorrow emerging markets.

Business Protection

Mitigating non-payment and credit risks in the unforeseen market conditions.

Financial Advisory Services

Knowing the insights of the company's financial conditions & set strategy to improve the KPIs.

Personal Loan Solutions 

Inspire healthy financial lifestyles & keeps financially fits for family and personal routine needs.

Grants & Incentives

Get the key cash-flows resources to improve the operational and the market-competitive edges.

Business Advisory Services

Reshaping company's business models and keeps compliance in-line with regulatory requirements.

Trade Grants & Financing Supports For SMEs  -

Improve business capabilities, drive innovation and stimulate growth.

Capitalizing on the various government agencies' grants and financing schemes to transform, innovate and increase productivity and as well get supports when venturing overseas.



ES - Productivity Solutions Grant

ES - Market Readiness

Assistance Grant

ES - Enterprise Development Grant

IMDA - Industry Digital Plans

IMDA - SME Digital Tech Hub

IMDA - Pre-approved Solutions

IMDA - Project Management Services

IMDA - Start Digital Pack

STB - Tourism Capabilities Scheme

STB - Tourism Event

Development Scheme

STB - Tourism Product Development Scheme

Automation and digitalization of the business processes are vital to driving for continuing growth. Capitalizing on what are the available schemes of up to 70% subsidized funds to defray parts of the qualified transformation costs affordable and riding through digitalize journey less painfully.


Companies should take conscious approaches to adopt the right strategy for developing new values or fresh revenues to create promising business models and opportunities to move the companies for future growth.  

Financing for domestic markets

Raise working capital to finance the business with:

  • SME working capital loan;

  • SME fixed asset loan;

  • Trade loan;

  • Loan insurance scheme

  • Trade credit insurance scheme.

Financing for overseas markets

Raise debt capital to support growth with:

  • Project loan;

  • SME fixed asset loan;

  • Venture loan;

  • Mergers & Acquisitions loan

  • Internationalization Fiance Scheme;

  • Loan insurance scheme;

  • Political risk insurance scheme.

Digitalization & automation

Get trade grants and incentives to automate the operations with:

  • SME working capital loan;

  • SME fixed asset loan;

  • Venture loan.


Easy Loan Process In 3 Simple Steps.

The safe and intelligent ways financing your businesses.

For access to the fast loan, simply contact us by:

Our friendly consultant will contact you to understand the loan requirements and demonstrate the best ways to meet your financing expectations.


Easy Online Application

Fill up the forms and submit the required documents.

Confirm Your Details

Contact you to confirm your loan requirements and documents.

Get Your Money

Money will deposit by FAST transfer to your bank account.

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About Us

Our Office Address

2 Suffolk Road #19-02 Lucida

Singapore 307780.

Mobile: (65) 97500 281

Tel: (65) 6611 2918

Working hours: 9.00am to 6.00pm

(Monday to Friday)

2020 SME Financial Services Pte Ltd (Registration No: 200515103D),

a Singapore registered company.  All Rights Reserved.