Properties Non-TDSR Financing Solutions
1. Residential, Commercial & Industrial Property Financing Solutions.
2. Flexible Non-TDSR Financing Tailored for Individuals & SMEs
Unlock property equity and maximize financial flexibility with creative, non-TDSR financing solutions. From cash-out refinancing and second mortgage charges to interest-only loans, we provide alternative financing options designed for both individuals and SMEs to access liquidity without traditional constraints.
Loan Feature At A Glance
Flexible solutions for individuals & SMEs, including cash-out, second mortgages, and interest-only payment options.
Loan quantum - Up to S$50.0mil
The borrowing exposure loan is capped at per company, or at the group related exposure.
Fixed Interest rate - From 5.75% pa
The borrowing cost charged varies from company to company, largely depend on the borrower's risk profile.
Repayment period - Up to 20 years
Stretch up to the longest repayment period and keep the monthly repayment sum be affordable in general.
High LTV 80% finance for Own-Use & Investment purpose
Structure high-quantum for resident, commercial & industrial properties for cash-out purposes.
Flexible Repayment Options - Interest Servicing & P+I
Tailor-made according to your cash-flow to structure the repayment confidently.
What you need to know
Our Non-TDSR property financing solutions are designed for SMEs, entrepreneurs, and individuals with unique financial needs who may not fit traditional bank lending criteria. Whether you require cash-out refinancing, second mortgage charges, or interest-only payment structures, we provide compliant, tailored solutions to unlock property equity, ease cash flow, and support business or personal growth.
Traditional Bank Loans vs.
Non-TDSR Solutions
Choosing the right property financing depends on your business and personal needs. Here’s how traditional bank loans compare with non-TDSR solutions for SMEs and individuals:
01
Eligibilities for Bank Loans
Eligibilities for Non-TDSR Loans
Strict MAS TDSR (Total Debt Servicing Ratio) requirements; income-tested.
Flexible assessment, not restricted by TDSR caps.
02
Speed of Approval
Speed of Approval
Lengthy approval with heavy documentation.
Faster approval with streamlined process.
03
Loan Types
Loan Types
Standard mortgage, refinancing, limited customisation.
Cash-out refinancing, 2nd mortgage, interest-only and creative structure.
04
Repayment
Repayment
Fixed principal + interest payments.
Interest-only or customized repayment plans to improve cash flow.
05
Accessibility
Accessibility
Limited options for SMEs or individuals with complex income.
Tailored for SMEs, entrepreneurs and investors needing flexibility.
06
Best For
Best For
Individuals with steady income and traditional financing needs.
SMEs or individuals seeking liquidity, flexibility, or alternative financing options.
Why Choose
Non-TDSR Solutions?
Non-TDSR financing offers the flexibility that traditional bank loans cannot. These solutions are designed for SMEs, entrepreneurs, and individuals who may not meet strict income or debt servicing ratios but still need access to capital. With options such as cash-out refinancing, second mortgage charges, and interest-only payment plans, Non-TDSR solutions unlock property equity, improve cash flow, and provide tailored structures to support both business and personal financial goals.
Unlock equity tied up in property.
Gain access to financing even if you don’t meet TDSR thresholds.
Tailor repayments to match your cash flow.
Explore creative solutions suited to business expansion, investments, or personal liquidity needs.
Perfect for Businesses and Individuals
Tailored Financing Beyond Traditional Bank Restrictions
Our Non-TDSR property financing solutions are designed for SMEs, entrepreneurs, and individuals who require greater flexibility than conventional loans allow. Whether you’re unlocking equity for business expansion, managing cash flow through interest-only payments, or consolidating debts with a second mortgage, these solutions provide practical, compliant, and accessible alternatives to support your financial goals.
SME Owners
Unlock property equity to fund working capital or expansion.
Self-Employed Professionals
Secure financing even with variable or non-traditional income streams.
Entrepreneurs & Start-ups
Access flexible financing without strict TDSR income requirements.
High-Net-Worth Individuals
Optimise property portfolio through customised, interest-only repayment structures.
Property Investors
Leverage existing assets with cash-out refinancing or second mortgage options.
Businesses in Transition
Bridge cash flow gaps during restructuring, growth, or refinancing.
You’re in Good Hands
With nearly 20 years of experience in corporate financing, we’ve supported countless SMEs across industries like F&B, logistics, manufacturing, and trading. Our expertise and network of financial partners ensure you receive the right trade loan solution, tailored to your needs.
Why This Matters in Uncertain Markets
Affordable
Pay only for what you need (outsourced model)
Scalable
Add or reduce support as your business evolves.
Resilient
Anticipate risks early, protect margins, and stay bank- and investor-ready.
Growth-Focused
Free up management to focus on customers and expansion while we safeguard the financial backbone.
SMEs using our financing services demonstrate stronger governance, more reliable reporting, and lower default risk—making them safer counterparties.
Frequently Asked Questions, Key FAQs - Properties Non-TDSR Loans
01.
What is a Non-TDSR Property Loan?
A Non-TDSR property loan is a financing solution that does not require meeting the Total Debt Servicing Ratio (TDSR) framework, offering more flexibility for individuals and SMEs.
02.
Who is eligible for Non-TDSR property financing?
These loans are ideal for SME owners, entrepreneurs, property investors, self-employed professionals, and individuals with complex income structures who may not qualify for traditional bank loans.
03.
What types of properties can be financed?
We provide solutions for residential, commercial, and industrial properties, including cash-out refinancing, second mortgage charges, and interest-only loans.
04.
How does a Non-TDSR loan differ from a bank loan?
Unlike traditional loans tied to TDSR limits, Non-TDSR loans offer faster approvals, more flexible repayment terms, and customised financing structures to match your cash flow needs.
05.
What financing options are available under Non-TDSR solutions?
Options include cash-out refinancing, second mortgages, interest-only payment plans, and other creative financing structures tailored to your business or personal requirements.
06.
How can Non-TDSR loans benefit my business or personal finances?
They help you unlock property equity, improve liquidity, manage cash flow, and support business growth or personal investments, even if you don’t meet TDSR thresholds.
For further questions, please contact us:
Why Work With Us?
Take control of your business finances today. Let us be your trusted partner — delivering clarity, compliance, and confidence.
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Trusted by SMEs across F&B, logistics, construction, and trading sectors.
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Proven track record in banking negotiations, investor relations, and corporate restructuring.
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Institutional-grade frameworks aligned with Singapore Companies Act, ACRA, and IRAS requirements.