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Replies within 1 business day · Singapore

Financing that fits, even when banks say no.

Singa Advisors matches individuals and SME owners with the right financing across a panel of banks and licensed lenders, with one dedicated advisor from first message to disbursement.

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Free assessment Multiple lenders compared No obligation
2.65%p.a. from
Personal Financing
  • Bank personal loans · 2.65% to 5.88% p.a.
  • Renovation, car & medical needs covered
  • Straight answers on a poor credit grade
Check My Eligibility
Indicative rate. Subject to profile, lender criteria & approval.
S$500kup to
Business Financing
  • Govt assisted WCL up to S$500,000
  • No bank statement facilities available
  • Invoice financing & P2P options
Check My Eligibility
Indicative. Subject to profile, lender criteria & approval.
Equityunlocked
Property Cash Out
  • Turn property value into usable funds
  • Often cheaper than unsecured borrowing
  • Private & commercial property
Ask About Cash Out
Terms depend on property type, valuation & lender.
Check Eligibility Repayment Calculator Personal Solutions Business Solutions
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Our Solutions

Financing built around your situation

Whether you're growing a business or managing personal cash flow, we match you with the option that fits, not simply the first one available.

Personal Financing

From 2.65% p.a.

Pay off debts, renovate, cover hospital bills or buy a car. Bank loans, private lending, and honest help with a credit profile that is holding you back.

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Business Financing

Up to S$500,000

Government assisted working capital, no bank statement facilities, invoice financing, P2P and B2B lending.

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Property Cashout

Unlock your equity

Turn the value locked in residential or commercial property into usable funds, usually the cheapest money available.

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Business Enhancement

Tailored solutions

New incorporation, corporate secretarial services and paperwork precision, so your next funding round is easier.

Explore
0%Personal financing from, p.a.
S$0kBusiness working capital, up to
0Typical enquiry response time
S$0Assessment & consultation fee
Why Singa Advisors

A personal advisor, not a call centre

You deal with one person from first message to disbursement, with a panel of lenders behind them.

One point of contact

No hotlines, no queues. Message directly and get straight answers about what you qualify for.

Multiple lenders compared

Your profile is matched across a panel of lenders for competitive rates, so you avoid applying to each one separately.

Fast turnaround

Simplified applications and quick disbursement once approved, because timing usually matters.

Rejected before? Talk to us

Limited bank statements, lower revenue or past rejections. There are still structured options.

Honest assessment

If a loan isn't right for you, we'll say so. The goal is a solution that works long term.

Free from start to finish

No advisory fee, ever. The assessment, the lender comparison and the paperwork are all on us.

Simple Process

From first message to funds in three steps

WhatsApp us your needs

Tell us roughly how much you need, what it's for, and whether it's personal or business. Takes two minutes.

Free assessment & options

We review your profile, compare options across lenders, and come back with what you realistically qualify for.

Approve & receive funds

Pick the option you're comfortable with. We handle the paperwork and follow through until disbursement.

Plan Ahead

How much do you want to borrow?

Set your amount and tenure to see an indicative instalment. Send the numbers over WhatsApp and we'll confirm what you actually qualify for.

I want to borrow
S$50,000
S$5,000S$500,000
Interest rate
2.65% p.a.
2.65%12%
Tenure
Rate shown is illustrative. Actual rate is based on your credit profile and lender.
Estimated monthly repaymentS$1,446
Total interest payableS$2,069
Total repaymentS$52,069
Get My Exact Quote
Estimate uses reducing balance amortisation. Actual offers vary by profile, lender and structure.
Advising Today, Empowering Tomorrow

One advisor, from first message to disbursement.

Singa Advisors works with clients directly, personally and without the layers. When you reach out you are starting a conversation with the person who will actually handle your case, not filing a form into a queue.

We compare your profile across a panel of banks and licensed lenders, tell you plainly what you realistically qualify for, and stay with the case through to disbursement.

2.65%Personal financing from, p.a.
S$500kBusiness working capital, up to
1 dayTypical response time
S$0Assessment & consultation
Peace of Mind

Bank grade standards, personal service

Terms in writing first

Rates, fees and repayment schedules are put in front of you in writing before you commit to anything.

Bank first approach

MAS licensed bank facilities are explored first. Alternatives are proposed only when they genuinely fit your situation better.

Your data stays private

Documents are used only for your assessment and shared with lenders only with your consent, case by case.

Common Questions

Frequently asked questions

Is Singa Advisors a lender? Who actually provides the loan?
No. We do not lend money directly, and we are not a bank or a licensed moneylender. Singa Advisors is a financing advisory practice. All financing is arranged through our panel of banks, financial institutions and licensed lenders. Our role is to assess your situation, match you with suitable options, and guide you from application through to disbursement.
How do you get paid? Do I pay you a fee?
You don't pay us an advisory fee. The assessment, the comparison across lenders and the help with your paperwork are all free to you. We are paid by the lender when a facility is successfully disbursed. Some lenders charge their own processing or facility fees. Where those apply, you will see them in writing before you sign anything, never as a surprise at the end.
How much can I actually borrow?
For unsecured bank facilities, MAS Balance to Income rules set the ceiling. If your annual income is S$20,000 to S$29,999 it is 2× monthly income per bank (up to 12× across all banks); S$30,000 to S$119,999 is 4× per bank (up to 12× across all); above S$120,000 it can reach 16× monthly income per bank. Secured facilities such as property cashout are assessed on the asset instead, so the limits work differently.
I've been rejected by banks before. Can you still help?
Very often, yes. Limited bank statements, a newer company, lower revenue or a past rejection don't automatically disqualify you, because different lenders weigh these very differently. Where the real obstacle is your credit grade, the honest answer is to fix the underlying record first, usually by settling what is outstanding, and apply once your profile is genuinely bankable rather than collecting more rejections.
What documents will I need?
For personal financing: NRIC, plus recent income documents such as payslips, CPF contribution history or your Notice of Assessment. For business financing: company documents, recent bank statements and financial statements. The exact pack varies by lender, so message us and we'll send the precise checklist for your case instead of a generic list.
How fast can funds be disbursed?
Bank personal loans typically take 1 to 3 working days once your documents are complete. In house car financing can be 1 to 2 working days, and private lending is often faster still. Property secured facilities take longer because a valuation is involved. We'll give you a realistic timeline for your specific case upfront, not a best case number.
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Let's find out what you qualify for.

Two minutes on WhatsApp is all it takes to start. Free assessment, honest answers, no obligation.

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