Working capital for SMEs the banks overlook.
Thin file, newer company, or a quantum no single bank will cover? We start with the cheapest government assisted facility you qualify for, then stack alternatives to reach your target.
Cheapest money first, then stack
Most brokers sell you whatever pays them best. We work the ladder in order, because the structure matters as much as the approval.
Government assisted first
If your company qualifies for the Enterprise Financing Scheme working capital loan, that's the cheapest S$500,000 available. We check it before anything else.
Bank facilities next
Including no bank statement facilities up to S$200,000 per bank, which can be stacked across several banks to reach a larger total.
Alternatives to close the gap
P2P, B2B private lending, invoice financing or property cashout, used to top up what the banks approved, not to replace it.
Six facilities we arrange for SMEs
Each can work alone or be combined. We'll map a structure around your revenue, age of company and urgency.
No Bank Statements Required
Facilities for businesses that can't produce a clean statement history, assessed instead on other strengths in your profile.
At a glance
- Quantum: up to S$200,000 from each bank
- No bank statement submission required
- Suits newer companies and thin files
- Stackable across multiple banks
Government Assisted WCL
The Enterprise Financing Scheme working capital loan, and the largest and cheapest facility most SMEs will qualify for.
At a glance
- Quantum: up to S$500,000
- Available across all banks
- Government risk share supported
- Best first stop for an eligible SME
Peer to Peer Lending
Crowdfunded business facilities that move faster than banks and stack across multiple funders.
At a glance
- Quantum: up to S$150,000 from each funder
- Stackable across multiple platforms
- Faster turnaround than bank credit
- Useful when bank quantum falls short
B2B Private Lending
Private capital for businesses that need a top up quickly, or don't yet meet bank criteria.
At a glance
- Quantum: up to S$50,000 from each funder
- Assessed on business cashflow
- Fast decisioning
- Bridges gaps between bank facilities
Invoice Financing
Stop waiting 60 days to get paid. Advance against invoices you've already issued.
At a glance
- Rate: 0.58% p.m.
- Term: 30 to 90 days
- Advance: 80% of invoice value
- Repaid when your customer pays
Property Cashout
Property loans that help businesses unlock the value of their residential or commercial properties, usually the cheapest money available.
At a glance
- Secured against residential or commercial property
- Typically cheaper than unsecured borrowing
- Larger quantum than most facilities
- Subject to valuation and lender criteria
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.
Business financing questions
My company is new and has no bank statements. Any options?
What is the Government Assisted WCL?
How does invoice financing work?
Can I stack multiple facilities?
Tell us what the business needs.
Send your rough quantum and timeline on WhatsApp. We'll come back with the structure that gets you there at the lowest total cost.
Start a WhatsApp Chat