Business Term Loan
A fast, unsecured working capital loan designed for Singapore SMEs. No collateral required — a smarter alternative to traditional bank loans.
Funding Amount
$15K - $100K
Interest Rate
From 1%/mo
Tenure
3 - 12 Months
Collateral
Not Required
No application fee. No obligation.
Three Ways to Save on Your Loan
Unique benefits designed to reduce your financing costs when you meet payment commitments and settle early
50% Processing Fee Rebate
Maintain a perfect payment record with no late payments and receive 50% of your processing fee back at loan maturity.
Example on $100,000 loan
Save $2,500
50% of $5,000 processing fee
Zero Early Repayment Penalty
After the first 3 months, settle your loan early without paying any penalty. Stay in control of your cash flow.
Early repayment fee
$0
After 3 months
Interest Rebate on Early Settlement
Repay your loan before the full tenure and receive a rebate on interest for the remaining months.
Interest rebate
Pro-rated
Based on remaining tenure
Simple Application Process
Apply Online
Complete our simple online application in 15 minutes. Upload your documents digitally through our secure portal.
Get Approval
Our team reviews your application and may reach out for clarification. Some applications may take longer depending on complexity.
Receive Funds
Sign your loan agreement digitally and receive funds directly to your business account within a few business days.
Transparent Fee Structure
No hidden costs, no surprises. Every fee is disclosed upfront in your Letter of Offer.
Processing Fee
Charged on disbursement only
5%
Interest Rate
Flat monthly rate
1% - 2%
Late Payment Fee
Per missed payment
$200
Early Repayment Fee
After 3 months
$0
Eligibility Requirements
Singapore-registered Pte Ltd or LLP
At least 1 year in operation
Annual revenue of SGD 300,000 or more
At least one local director
Not in an excluded industry
Required Documents
ACRA BizFile (Business Profile)
Bank statements (last 6 months)
Financial statements (latest year)
Company income tax (Form C-S / C)
NRIC (front and back)
Personal credit bureau report (CBS)
MLCB report
Personal income tax notice of assessment (NOA)
Common Questions
Do I need to provide collateral?
No. This is an unsecured loan, so you don’t need to pledge property or fixed assets. We do require personal guarantees from directors or major shareholders to align interests.
What documents do I need to apply?
Standard documents include: Latest 6 months bank statements, latest year financial statements, CBS credit report (directors), and NRIC copies.
Can I apply with existing business loans?
Yes. Having existing loans doesn’t automatically disqualify you. We assess your total debt obligations and whether your business can comfortably service additional debt.
Ready to Apply?
Check your eligibility in under 2 minutes. No application fee, no obligation.
Check Your Eligibility