We’re offering competitive and diverse loan options for your business

Explore the diverse range of SME Loans available to support your business growth. Whether you need working capital, short term financing, or expansion funds, we connect you with the best lenders.

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What is an SME Loan?

An SME Loan is a financing option specifically designed for small and medium-sized enterprises (SMEs). These loans help businesses manage their working capital, fund expansion projects, or invest in new opportunities. SME loans are available in various forms, such as term loans, invoice financing, and working capital loans.

Types of SME Loans We Offer

Unlock cashflow, leverage on your properties, or simply get a loan to finance your business.

Business Term Loan

The most versatile loan for all your business needs. Get up to 6x your monthly cashflow. Repay monthly.
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Invoice Financing

Unlock trapped cash in your receivables
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Property-Backed Loan

Up to 80% LTV for new purchase, refinancing or equity cash-out. Options to pay interest only.
Learn more

Revenue Based Financing

Similar to a business term loan but repay based on a % of your revenue.
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Line of Credit

Get a standby credit facility for urgent use, pay interest only when you utilize
Learn more

Business Cards

Benefit from rewards and get access up to 50 days of free credit.
Learn more
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Working Capital Loan

No Collaterals Required
Access up to $500,000
Maximum Loan Tenure of up to 5 Years
Interest Rate from 0.69% (EIR) per month
Connect to 9 WCL Lenders at one go

Summary of SME Loans

Comparing what the 3 most common loan offers
Loan Amount
Tenor
Interest Rate
Fees
Business Term Loan
Up to 6x monthly cashflow
Banks:
Up to 5 years

Non-Banks:
Up to 12 months
Banks:
5% - 12% p.a.

Non-banks:
6% - 36% p.a.
0.5% - 7%
Property-Backed Loan
Up to 80% Property Value
Up to 25 years
3% – 36% p.a.
Up to 1%
Invoice Financing
Up to 80% of Invoice Value
Up to 12 months
12% – 36% p.a.
Up to 1%
Get Rate

Summary of Loans

Comparing what the 3 most common loan offers
Business Term
Loan
Property-
Backed Loan
Invoice
Financing
Loan Amount
Tenor
Interest Rate
Fees
Business Term Loan
Up to 6x monthly cashflow
Banks:
Up to 5 years

Non-Banks:
Up to 12 months
Banks:
5% - 12% p.a.

Non-banks:
6% - 36% p.a.
0.5% - 7%
Loan Amount
Tenor
Interest Rate
Fees
Property-Backed Loan
Up to 80% Property Value
Up to 25 years
3% – 36% p.a.
Up to 1%
Loan Amount
Tenor
Interest Rate
Fees
Invoice Financing
Up to 80% of Invoice Value
Up to 12 months
12% – 36% p.a.
Up to 1%
Get Rate

Preparing for your loan application.

Ensure you have these documents ready!

Required Documents

= Importance of document
6 Month Bank Statement
Credit Bureau Report
Notice of Assessment (Individual)
Financial Statements
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