Expert Advisory to Overcome Common SME Financial Challenges
Financial Advisory Services
Navigate financial challenges with expert guidance. Our Financial Advisory Services help SMEs overcome cash flow pressures, compliance delays, credit issues, and receivables management — building resilience and unlocking long-term business growth.
Key Challenges Areas We Address
From tight cash-flow challenges and delays in mandatory filing to bad credit ratings and management of AR and bad debts, SMEs often face hurdles that threaten stability. Our Financial Advisory Services provide strategic guidance, fintech-powered solutions, and hands-on support to resolve these issues and keep your business future-ready.
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Poor Cash Flow/ Liquidity Management
02
High Operating Costs/ Costs Overrun
03
Difficulty In Obtaining Timely Funds
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Ineffective Financial Controls/ Governance
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Delayed Receivables/ Bad Debts
06
Insufficient Financial Forecast & Planning
07
Regulatory/ Compliance Failure
08
Poor Credit/ Debt Profile/ Overleveraged
"We address cash flow, compliance, credit, and receivables with tailored solutions to build resilience and sustainable growth."
Tailored Financial Solutions for Resilient SME Growth
We tackle cash flow, compliance, credit, and receivables with practical strategies that strengthen resilience and drive sustainable business growth.
Receivables & Risk Protection
Our Solutions:
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Trade credit insurance to protect receivables
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Accounts receivable portfolio reviews and risk scoring
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Factoring and invoice financing to unlock cash tied in invoices
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Practical credit control frameworks to strengthen collections
Why It Matters: SMEs are highly exposed to delayed receivables and customer defaults, straining liquidity.
Business Closures In Singapore (2018 ~ 2024)
Liquidation Cases On The Rise -
Build Resilience
Public data show court-ordered liquidations of Singapore-registered companies climbed from 191 (2021) to 215 (2022) and 201 (2023), before jumping to 307 in 2024, the highest since 2010. In H1 2025, 187 firms were already wound up by court order, underscoring persistent debt-service stress. In parallel, ACRA’s increased strike-off actions from Sep-2023 drove more voluntary removals in 2024. Together, these trends highlight the need for proactive liquidity planning, receivables protection, and flexible financing facilities to withstand rate, cost, and demand volatility.
Rising Closures Trend
Covid Dip, Quick Rebound
2024 Peak Closures
From 44,814 cases in 2018 to 55,194 in 2024.
Low of 42,474 in 2020.
Highest in a decade at 55,194.
Cash Flow & Liquidity Pulse Checks
Is cash-flow working for you?
Compliance Readiness Review
Stay aligned with compliance.
Credit & Debt Position
Is your borrowing sustainable?
Receivables & Collection Checks
Are your collection on times?
Growth & Expansion Readiness
Are you Future- Ready?
Assess Your Company’s Financial Health & Resilience
Ready to uncover your company’s true financial health and resilience?
Cash Flow
Pulse Checks
Review your inflows and outflows to spot gaps early. A healthy cash flow keeps operations smooth and prepares you for unexpected expenses or opportunity.
Receivables & Collection Checks
Delayed payments tie up valuable cash. Protect receivables, review client creditworthiness, and implement stronger collection strategies to maintain liquidity.
Compliance Readiness Review
Missed filings and late submissions can lead to fines and reputational risks. Timely compliance ensures your business is always in good standing with regulators.
Growth Expansion Readiness
Stress-test your financials before expansion. Proper planning, projections, and funding strategies ensure sustainable growth without stretching resources too thin.
Credit & Debt Position Checks
Assess loan exposure, repayment capacity, and credit score. A clear picture of your debt profile strengthens financing access and improves negotiating power with banks.
Contact us today for a practical assessment and tailored strategies to strengthen your cash flow, compliance, credit, and growth.
Flexible Financial Expertise, Tailored to Your SME
From ongoing CFO support to project-based advisory — we’ve got you covered.
01.
SCOPE FOR OUTSOURCED CFO SERVICES
Provides ongoing, senior-level financial leadership: cash flow forecasting, budgeting, reporting, investor relations, M&A, and strategic planning.
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BEST FOR
SMEs with complex structures, rapid growth, or investor needs require continuous financial oversight without hiring a full-time CFO.
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COST RANGE
Retainer-based (monthly/quarterly); more cost-effective than hiring a full-time CFO (~S$200k/year).
04.
KEY BENEFITS
Consistent, strategic guidance at a fraction of full-time cost.
01.
SCOPE FOR FINANCIAL ADVISORY
Provides targeted, project-specific expertise: cash flow fixes, compliance support, receivables management, debt restructuring, or fundraising advice.
02.
BEST FOR
SMEs with specific financial challenges that need immediate, practical solutions on a flexible, short-term basis.
03.
COST RANGE
Fee-based per engagement or project basis; lower upfront cost, pay only for what you need.
04.
KEY BENEFITS
Quick, affordable solutions tailored to urgent financial needs.
01.
What are financial advisory services for SMEs?
Financial advisory services provide expert guidance to help SMEs manage cash flow, compliance, debt, receivables, and growth strategies, ensuring long-term financial resilience.
02.
How are financial advisory services different from outsourced CFO services?
Advisory services are typically project-based and focus on solving immediate challenges. Outsourced CFO services provide ongoing financial leadership, acting as a part-time CFO integrated into your business.
03.
Why should my SME engage financial advisory services?
Because SMEs face common challenges like rising costs, cash flow stress, compliance delays, or bad debts. Advisors provide practical solutions to protect and strengthen your financial foundation.
04.
What types of financial challenges do you address?
We support SMEs with tight cash flow, delayed receivables, credit rating issues, debt restructuring, compliance filings (ACRA/IRAS), and planning for growth or expansion.
05.
Are financial advisory services affordable for SMEs?
Yes. Services are tailored to your needs and budget. Advisory is usually fee-based per project or engagement, making it more affordable than hiring full-time staff.
06.
How quickly can financial advisory services make an impact?
In many cases, improvements can be seen within weeks, especially in cash flow management, debt restructuring, and receivables collection strategies. Long-term resilience builds over months.
07.
Will financial advisory services improve my access to financing?
Yes. Advisors help prepare professional financial statements, improve credit profiles, and recommend suitable financing solutions, boosting credibility with banks and investors.
08.
Do financial advisory services cover compliance and governance?
Absolutely. We ensure timely ACRA/IRAS filings, statutory compliance, and corporate governance, protecting your business from penalties or reputational damage.
09.
Which SMEs benefit most from financial advisory services?
All SMEs can benefit, but especially those facing cash flow stress, compliance issues, debt pressure, or expansion plans. Start-ups also benefit from financial structure setup.
10.
How do I start engaging financial advisory services?
It begins with a consultation to assess your financial health. From there, we provide a tailored plan and practical solutions aligned with your business needs and budget.