Every SME faces unique challenges — from managing cash flow and paying suppliers to funding expansion and upgrading equipment. Our SME Financing Solutions give you fast, reliable access to capital, designed to keep your operations running smoothly and strengthen long-term resilience.
SME Financing Solutions
Flexible Financing Options to Power Your Business Growth
What You Need To Know
Flexible Loan Options
Cash Flow Support
Growth-Focused Financing
Risks-Sharing Scheme
Quick Approval Process
> Our Services > SME Loans Overview
Find the right loans for your business needs.
Unlock your company’s growth potential with our comprehensive SME Financing Solutions.
From working capital to trade loans, equipment financing, project funding, and cross-border facilities, we provide tailored solutions to help Singapore SMEs thrive in every business cycle.
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:
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Cover operating expenses
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Purchase or restock inventory
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Pay suppliers on time
For Small companies -
Up to S$500k
For Medium Enterprise - Up to S$1.5mil
Loans Designed For Your Business Needs
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.
Wide Range of Solutions
From working capital and trade loans to project, property, and green financing.
Support Beyond Financing
Advisory, compliance, and outsourced CFO services to strengthen long-term financial resilience.
Flexible Repayment Structures
Options aligned with your revenue cycle, trade terms, and business priorities.
Tailored to Your Industry
Financing designed for SMEs and MNCs in F&B, logistics, construction, trading, and more.
Trusted Partner Network
Access to banks, non-bank lenders, and institutional funds for diversified financing sources.
Measure & Make On Needs
Key Features of
SME Financing Solutions
Loan Amount
Up to S$50mil (depending on facility)
Options
Wide range of Financing Solutions align your needs.
Match Income Streams
Repayment of loan matching your streams of income.
Competitive
Interest & Fee
Attractive cost of funds & terms.
Value-Added
& Risk Averse
Favourable terms negotiated at your best interests.
What You Need To Know
SME loans are designed to support small and medium-sized enterprises in Singapore, covering both operational and expansion needs. These solutions address cash flow gaps, reduce financing pressure, and provide flexibility for businesses to invest in growth opportunities.
Why It's Matters
Flexible Loan Options
Cash Flow Support
Growth-Focused Financing
Risks-Sharing Scheme
Quick Approval Process
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.
Resilience Through Trade Cycles
"Help businesses stay strong through every market cycle, ensuring stability, adaptability, & sustainable growth in both opportunities & challenges"
Proven 20 Years of Track Record
"With 20 years in corporate financing, we’ve successfully supported SMEs & MNCs across multiple industries expanding growth in Singapore and beyond."
Tailored Financing Solutions
"Every business is unique. We design trade loan structures that align with your trade operating cycles, cash flow needs, & growth objectives & resiliently".
Trusted Advisory Support
"Beyond financing, we provide financial advisory and compliance guidance, helping your business stay resilient and future-ready challenges & opportunities"
Long-Term Commitment
"Dedicated to supporting your business with enduring partnerships, consistent guidance, and sustainable financial solutions for lasting success"
Let's build the success together
At SME Financial Services, we believe success is never built alone — it’s achieved through trusted partnerships, tailored financial strategies, and long-term commitment. By working closely with your business, we create the right foundation to unlock growth, strengthen resilience, and achieve sustainable success in Singapore and beyond.
2,650+ Cases
Over 2,650 entrepreneurs benefited from our specialized financial solutions.
85 Percent
Professional services yield an 85% satisfaction rate among our regular customers.
20+ Years
With two decades of expertise, we address financial challenges and add value.
> S$1,350Mil +
We arrange more than $1,350 million in business loans for our SME customers.