Business Loans for Singapore SMEs
Compare working capital, term loans, invoice and equipment financing from licensed banks — matched to your business. Free enquiry, no obligation.
MAS-regulated lenders
Banks & licensed financial institutions
Free, no-obligation
Compare options at no cost
EFS-eligible options
Government-backed SME schemes
Guided applications
We prep your paperwork with you
Business financing options in Singapore
From working capital to equipment and property — every major SME facility, sourced from licensed lenders and matched to your business.
PopularSME Working Capital Loan
The workhorse of Singapore SME financing. Under the government-backed Enterprise Financing Scheme (EFS), local banks offer working capital loans of up to S$500,000 with Enterprise Singapore sharing part of the default risk. We help you compare offers across the panel and prepare a clean application so cash-flow gaps never stall your business.
Best for: Everyday cash flow, payroll, inventory and expansion
Unsecured Business Term Loan
A lump-sum unsecured loan for established SMEs that need capital for a specific project — a new outlet, a marketing push, hiring, or renovation. Because it is unsecured, approval rests on your revenue, track record and directors' profile. We match you to the lenders most likely to say yes for your industry and turnover.
Best for: Larger one-off investments and growth projects
PopularInvoice Financing & Factoring
Stop waiting 30–90 days to get paid. Invoice financing advances most of the value of your outstanding invoices now, so you can pay suppliers and staff while your customers pay on their own terms. Ideal for B2B businesses with long payment cycles. We connect you with banks and specialist financiers offering the best advance rates.
Best for: Unlocking cash tied up in unpaid customer invoices
Equipment & Machinery Financing
Acquire the equipment, machinery, commercial vehicles or IT systems your business needs without draining cash reserves. The asset itself secures the loan, so rates are usually lower than an unsecured facility. We help manufacturers, F&B operators, logistics firms and clinics finance new and used equipment across the island.
Best for: Buying machinery, vehicles, IT and fit-out
Trade & Import/Export Financing
Bridge the gap between paying overseas suppliers and receiving payment from your buyers. Trade financing covers Letters of Credit, Trust Receipts, bank guarantees and purchase-order financing so you can trade larger volumes with confidence. We introduce you to banks with strong trade desks for your corridor and commodity.
Best for: Importers, exporters and wholesalers
Business Bridging Loan
A short-term facility that bridges a temporary funding gap — waiting on a property completion, a large receivable, or a grant disbursement. Bridging loans are fast to arrange but designed to be repaid quickly once your expected funds arrive. We help you weigh the cost against the timing benefit and find a reputable lender.
Best for: Short-term cash gaps and timing mismatches
Startup Business Loan
Young companies are often turned away by mainstream lenders. The Enterprise Financing Scheme includes a startup track for companies incorporated for a shorter period, and some financiers assess directors' profiles rather than years of accounts. We identify the lenders that actually fund early-stage Singapore SMEs and help you present your case well.
Best for: Newly incorporated companies (under ~3 years)
Commercial & Industrial Property Loan
Finance the purchase of an office, shop, factory or warehouse — or refinance an existing commercial mortgage to a better rate. Because the property secures the loan, pricing is typically the most competitive of any business facility. We compare fixed and floating packages across banks and handle the refinance maths for you.
Best for: Buying or refinancing commercial/industrial units
Merchant Cash Advance
A financing option built for retail and F&B businesses with consistent card and digital-payment turnover. You receive a lump sum and repay it as a small, automatic percentage of your daily takings — so repayments flex with how busy you are. We explain the true cost clearly and connect you only with reputable providers.
Best for: Retail and F&B with steady card sales
How it works
From first message to funded, in four simple steps
Tell us about your business
Share your industry, monthly turnover and what you need financing for — on WhatsApp or by email. Takes two minutes.
We match you to lenders
We shortlist the banks and financial institutions whose criteria fit your business, so you apply where you are likely to be approved.
Compare your offers
Review the loan amounts, tenures and rates the lenders come back with. We explain the fine print — you decide, with no obligation.
Get funded
We help you complete a clean application and guide you through to approval and disbursement.
Serving SMEs across Singapore
Wherever your business is on the island — from the CBD to the industrial estates in the west and the heartland hubs — we help you find the right financing.
Whether you run a shop in the heartlands, a workshop in Jurong, a logistics operation near Changi, or an office in the Central Business District, we work with lenders that finance SMEs island-wide. Choose your area to see how we help local businesses secure funding.
Why work with Business Loans Singapore
Independent, free to enquire, and built to get SMEs funded.
One enquiry, many lenders
Instead of queueing at bank after bank, tell us once. We compare offers across our panel of licensed lenders so you see the best fit fast.
We know what gets approved
Different lenders want different profiles. We route your application to the ones most likely to approve your industry, turnover and track record — fewer rejections on your file.
Clear, honest guidance
We explain rates, fees and repayment in plain English before you commit. No pressure, no jargon, and we flag any credit check before it happens.
Independent, on your side
We are not a bank and not tied to any single lender. Our job is to find you the right financing — the enquiry is free and carries no obligation.
Compare financing at a glance
Indicative amounts and tenures. Final terms and rates are set by the lender, based on your business.
| Financing type | Typical amount | Tenure | Best for |
|---|---|---|---|
| SME Working Capital Loan | Up to S$500,000 | 1 – 5 years | Everyday cash flow, payroll, inventory and expansion |
| Unsecured Business Term Loan | S$50,000 – S$500,000 | 1 – 5 years | Larger one-off investments and growth projects |
| Invoice Financing & Factoring | Up to 90% of invoice value | Revolving (per invoice) | Unlocking cash tied up in unpaid customer invoices |
| Equipment & Machinery Financing | Up to 90% of asset cost | 1 – 7 years | Buying machinery, vehicles, IT and fit-out |
| Trade & Import/Export Financing | Facility-based | Per trade cycle | Importers, exporters and wholesalers |
| Business Bridging Loan | Based on need & security | Short term (months) | Short-term cash gaps and timing mismatches |
| Startup Business Loan | Up to S$100,000 | 1 – 5 years | Newly incorporated companies (under ~3 years) |
| Commercial & Industrial Property Loan | Up to 80% of valuation | Up to 25 – 30 years | Buying or refinancing commercial/industrial units |
| Merchant Cash Advance | Based on card turnover | Repaid from daily sales | Retail and F&B with steady card sales |
Frequently asked questions
Business Loans Singapore is an independent loan referral and matching service. We are not a bank, finance company, or licensed moneylender, and we do not lend money. All financing is provided by licensed banks and financial institutions regulated by the Monetary Authority of Singapore (MAS). Loan approval, amounts, tenures and interest rates are determined solely by the lender based on your business profile. Information on this website is general in nature and does not constitute financial advice. Read our full disclaimer.
Ready to compare your business loan options?
Message us a few details about your business and we’ll come back with a shortlist of suitable financing — free and with no obligation.