|Our Services |SME Working Capital Loan
SME Working Capital Loan
Fuel Your Business with Reliable Working Capital
Cash flow is the lifeblood of every business. With our SME Working Capital Loan, you gain quick access to funds up to S$500,000 to cover payroll, inventory, supplier payments, and unexpected expenses — ensuring your operations remain stable in every cycle.
Available Up to $1.5mil for Larger SMEs.
Loan Feature At A Glance
Finance operational cashflow needs.
Loan quantum - Up to S$500,000.00
The borrowing exposure loan is capped at per company, or at the group related exposure.
Fixed Interest rate - From 4.75% pa
The borrowing cost charged varies from company to company, largely depend on the borrower's risk profile.
Repayment period - Up to 5 years
Stretch up to the longest repayment period and keep the monthly repayment sum be affordable in general.
Security - No collateral is required
No collateral is needed, as the loan is 50% risk-sharing for SMEs and 70% for young company.
Early Settlement - No penalty charge
The early settlement fee is waived as long the company serves 1-month early notice to the banks or the lenders.
What you need to know
SME Working Capital Loans are designed to bridge cash flow gaps and support short-term operational needs. Whether you are covering payroll or financing supplier invoices, this loan ensures business continuity without disrupting growth plans.
Flexible Loan Options
Cash Flow Support
Growth-Focused Financing
Risks-Sharing Scheme
Quick Approval Process
Why Work With Us?
Take control of your business finances today. Let us be your trusted CFO partner — delivering clarity, compliance, and confidence.
-
Trusted by SMEs across F&B, logistics, construction, and trading sectors.
-
Proven track record in banking negotiations, investor relations, and corporate restructuring.
-
Institutional-grade frameworks aligned with Singapore Companies Act, ACRA, and IRAS requirements.
Eligibility
The pre-requisite criteria.
-
Registered company in Singapore
-
At least 30% local shareholding (Singaporean or PR)
-
Annual sales turnover of up to S$100 million OR employment size of up to 200 staff
-
Healthy credit history and business track record
Perfect for Businesses
The loan is ideal for:
-
Covering payroll, rent, and utilities.
-
Purchasing inventory and raw materials.
-
Paying suppliers and contractors on time.
-
Managing short-term operational expenses.
-
Smoothing cash flow during low-sales or seasonal periods
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
01.
How much can I borrow under the SME Working Capital Loan?
Generally can access financing of up to S$500,000, subject to eligibility and credit assessment. For larger SMEs, it can access >$1.5mil on non-EFS term.
02.
How long does it take to get approval?
Most applications are processed within 1–2 weeks, depending on the completeness of documents provided.
03.
What can the loan be used for?
It can be used to cover payroll, supplier payments, inventory purchases, rent, utilities, and other short-term expenses.
04.
Do I need collateral for this loan?
In most cases, no collateral is required. However, personal or corporate guarantees may apply.
05.
What is the repayment period?
Repayment terms are flexible, generally ranging from 1 to 5 years, based on your business needs.
06.
Who is eligible to apply?
All SMEs registered and operating in Singapore with at least 30% local shareholding and turnover ≤ S$100 million are eligible.
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.
-
Trusted by SMEs across F&B, logistics, construction, and trading sectors.
-
Proven track record in banking negotiations, investor relations, and corporate restructuring.
-
Institutional-grade frameworks aligned with Singapore Companies Act, ACRA, and IRAS requirements.