top of page

| Our Services  | Niche Financing Solutions

Fuel Your Business Growth With Our Financing Solutions

Tailor your financing blend strategically to cultivate a business that thrives sustainably over the long term.

Utilizing an optimal financing blend to address the company's liquidity requirements while simultaneously reducing borrowing expenses and bolstering financial metrics for robustness and resilience.

Furthermore, our tailored financing solutions aim to optimize liquidity and minimize borrowing costs, ensuring financial metrics remain healthy and resilient even in challenging economic environments.

Find the right loans for your business needs. 

Working Capital Loan

Access up to S$500k in fast, flexible working capital to finance your upcoming projects, manage business expenses, and keep operations running smoothly.
 

Use it to:

  • Cover operating expenses

  • Purchase or restock inventory

  • Pay suppliers on time



 

Happy Businessman_edited.png

For Small companies -
Up to S$500k

For Medium Enterprise - Up to S$1.5mil

Loans Designed For Your Business

Flexible financing solutions tailored to fuel growth, strengthen resilience, and support every stage of your business journey.

Fast Access to Capital

Quick approvals and funding to meet urgent project or cash flow needs.

Tailored to Your Industry

Financing designed for SMEs and MNCs in F&B, logistics, construction, trading, and more.

Flexible Repayment Structures

Options aligned with your revenue cycle, trade terms, and business priorities.

Support Beyond Financing

Advisory, compliance, and outsourced CFO services to strengthen long-term financial resilience.

Wide Range of Solutions

From working capital and trade loans to project, property, and green financing.

Trusted Partner Network

Access to banks, non-bank lenders, and institutional funds for diversified financing sources.

What is Trade Credit Protection?

Trade Credit Protection (also known as Trade Credit Insurance) safeguards businesses against the risk of non-payment from customers. It ensures that if a buyer fails to pay due to insolvency, bankruptcy, or prolonged default, your company still recovers the owed amount.

Monitor the quality of your receivables and client portfolio.

Safeguard your business by assessing AR portfolio quality to reduce risks & enhance receivables resilience.

Why is it Important for Businesses_ - visual selection.png

Frequently Asked Questions, FAQs

Needs help?

For inquiries or further assistance, contact our team today — we’ll be glad to guide you through the right financing and protection options for your business.

(65) 97500 281

(65) 6611 2918

01/

What is niche financing and how does it help my business?

Niche financing refers to specialized funding solutions designed for industries or businesses with unique financial needs. It provides flexible capital tailored to your operations, helping you bridge gaps where traditional financing may not apply.

02/

What is trade receivable protection?

Trade receivable protection (also known as trade credit insurance) safeguards your business against customer non-payment due to insolvency, bankruptcy, or default, ensuring steady cash flow.

03/

Why is trade receivable protection important for SMEs and MNCs?

It protects your most important asset — your receivables. With receivables insured, you reduce bad debt risk, strengthen cash flow, and gain confidence to extend credit to more customers, even overseas.

04/

Can trade receivable protection improve access to financing?

Yes. Banks and lenders often view insured receivables more favorably, making it easier to secure working capital loans or improve borrowing terms.

05/

How quickly can I apply for niche financing or receivable protection?

Applications are straightforward, with approvals tailored to business needs. In most cases, financing or protection coverage can be arranged within a short turnaround time.

06/

What industries benefit most from these solutions?

F&B, logistics, trading, manufacturing, and MNCs engaged in cross-border transactions benefit significantly, as these sectors often face credit risks and long payment cycles.

FAQs

@ 2005 - 2025 SME Financial Services Pte Ltd (Registration No: 200515103D),

a Singapore-registered company.  All Rights Reserved.

bottom of page