BUSINESS FINANCING
Fueling Business Growth, Even When Banks Says NO
Traditional bank loans can be restrictive.
We offer alternative business financing solutions designed to help companies that may face challenges securing loans due to unhealthy bank statements or strict credit requirements.
Our goal is to provide the capital you need to expand, sustain, or stabilise your business operations.
No Bank Statement Required Facilities
Not accepted by banks due to unhealthy bank statements? Access alternative financing solutions through our network of six financial institutions.
| Facility | Maximum Amount | Interest Rate | Tenure | Average Approval | Who Should Apply |
|---|---|---|---|---|---|
| Option #1 | S$30,000 | 0.4% p.m. | 60 Months | S$30,000 |
|
| Option #2 | S$30,000 | 0.7% p.m. | 12 Months | S$15,000 |
|
| Option #3 | S$200,000 | 0.5% p.m. | 12 Months | S$30,000 |
|
| Option #4 | S$30,000 | 0.5% p.m. | 60 Months | S$50,000 |
|
Option #1
- All company types
- Minimum S$30,000 NOA
- BTI pass
- CBS HH and above
Option #2
- All company types
- Minimum S$30,000 NOA
- BTI pass
- CBS DD and above
Option #3
- All company types
- Minimum S$30,000 NOA
- BTI pass
- CBS HH and above
Option #4
- Private limited companies only
- BTI pass
- Minimum S$30,000 NOA
- CBS DD and above
Business Financing Solutions
Explore funding options designed for different business stages, cash-flow needs and eligibility profiles.
No Bank Statement Required Facilities
Unable to qualify for conventional bank financing because of your operating statements? Explore alternative facilities offered through participating financial institutions.
| Facility | Maximum Amount | Interest Rate | Tenure | Typical Approval | Suggested Applicant Profile |
|---|---|---|---|---|---|
| Option #1 | S$30,000 | 0.4% p.m. | 60 Months | S$30,000 |
|
| Option #2 | S$30,000 | 0.7% p.m. | 12 Months | S$15,000 |
|
| Option #3 | S$200,000 | 0.5% p.m. | 12 Months | S$30,000 |
|
| Option #4 | S$30,000 | 0.5% p.m. | 60 Months | S$50,000 |
|
Start-Up Facilities
Financing options for newer companies that may not meet the longer operating-history and revenue requirements imposed by conventional lenders.
Government-Assisted Financing
Bank facilities supported through government risk-sharing schemes. These options are generally suited to established businesses with healthy account conduct and sufficient balances.
Peer-to-Peer Lending
A flexible financing route for companies requiring quicker disbursement, more accessible eligibility requirements or short-term cash-flow support before approaching a bank.
B2B Private Lending
Short-term funding offered by private lenders and family offices. It is designed for businesses requiring larger amounts and faster access to capital, although financing costs may be higher than conventional bank loans.
Invoice Financing & Factoring
Convert unpaid invoices into working capital before their due dates. Suitable for businesses managing projects, recurring expenses or extended customer payment terms.