SME Financing · Singapore

Know your number before you apply.

A quick, honest read on what you could borrow — then matched to the right lender by advisors with decades inside the banks, not an algorithm guessing at your file.

Facilities from S$100K to S$10M
Zero-collateral options
Approval from 2 working days
I need financing for…

Business Loan Calculator

Choose a facility type — sliders adjust to real ranges
S$100K – S$5M · up to 5 years · zero collateral · funds credited direct to your business account
Est. monthly repayment
Indicative rate
Indicative only. Final terms depend on credit review — no obligation to proceed.
S$100K10M
Facility range across loan types
214 days
Working days to approval with complete documents
Up to 25 yrs
Tenure on commercial property financing
94%
Of SG businesses earn under S$10M — our entire focus
How It Works

You don't need to know the right loan product. We match it.

01

Assessment

A consultant reviews your income, expenses and credit history — often via Credit Bureau Singapore — against real lender criteria.

02

Matching

We pre-screen and place you with the lender most likely to say yes — across an extensive network of local and foreign banks.

03

Funded

Rates, repayment terms and fees explained in plain English before you sign. As fast as 2 working days with complete documents.

By Financing Need

Every business need has a different shape. So does the loan.

Working Capital Loan

Cash Flow Gap Calculator

See the gap between paying suppliers and getting paid — then cover it with an overdraft, line of credit or short-term loan.

Est. gap to cover S$160,000
Have confirmed sales orders or receivables instead? Financing can be sized on the value of your contract or order book.
Machinery · Vehicle · Vessel

Hire Purchase Calculator

Bank acquires the asset; ownership transfers to you on final instalment. Vessels financed up to 80% of purchase price.

Est. monthly instalment
Up to 10-year repayment on vessel and vehicle financing · new and used, private and commercial.
Property Loan · Refinance

Refinance Savings Calculator

Paying above market rate, or past your lock-in period? See what switching could save each year.

Est. annual savings S$8,000/yr
Commercial purchase: financing up to 80% of price or valuation, tenure up to 25 years. Bridging loans available with up to 6-month repayment.
Property Loan · Renovation

Renovation Loan Estimator

Borrow up to 6× your monthly income or S$30,000 — whichever is lower — with up to 5 years to repay.

Max loan S$24,000 Est.
Includes insurance protection on the outstanding loan in the event of death or total permanent disability.
Trade Financing

Importing or exporting? This one's a conversation.

Trade Facilities · Letters of Credit · Trust Receipts

The right structure depends on your trade cycle and counterparties. LCs guarantee your supplier payment; a Trust Receipt converts the LC into import financing while the bank holds title to the goods.

S$100K – S$10M facilities Up to 150 days TR maturity SMEs & listed companies
Discuss your trade cycle
Debt Repayment Scheme

Struggling with debt? Bankruptcy isn't the only road.

The DRS is a court-supervised alternative to bankruptcy under the Official Assignee. You keep your property, repay over a structured plan, and receive a Certificate of Completion when it's done.

  • Avoids bankruptcy status — no legal restrictions or stigma
  • Repayments tailored to your income, interest-free
  • Unsecured creditors cannot pursue you during the scheme
  • Fresh start — released from covered debts on completion
  • Assessment takes 2–6 months; no creditor payments required during this period

Quick eligibility check

Private and anonymous — nothing is submitted.
Tick the boxes that apply to you.
Speak in confidence
Common Questions

Before you ask.

Who is eligible?
Sole-proprietors, partnerships, private limited companies and unlisted public companies. Property ownership can strengthen certain applications but isn't always required — several facilities are fully unsecured.
How fast is approval?
From as early as 2 working days to as long as 14 working days, depending on when the complete set of documents is received. The eligibility check on this page takes under a minute and tells you what documents you'd need.
What happens in the consultation?
A consultant reviews your financial situation — income, expenses and credit history, often via Credit Bureau Singapore — understands your borrowing needs, and recommends suitable options. Rates, repayment terms, fees and eligibility are explained before you decide anything.
Will checking my options affect my credit or cost anything?
No. The calculators on this page run entirely in your browser, and an initial consultation carries no cost and no obligation to proceed.

LoanPath is a financing matching service backed by a licensed Singapore corporate advisory with decades of banking relationships across local and foreign banks.

94% OF SG BUSINESSES EARN UNDER S$10M — WE FOCUS HERE