Business financing in Singapore
Startup Business Loan in Singapore
Newly incorporated companies (under ~3 years). Includes EFS – Startup track for young companies.
Enquire on WhatsAppTypical amount
Up to S$100,000
Tenure
1 – 5 years
Best for
Newly incorporated companies (under ~3 years)
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.
What you get
- For companies incorporated under ~3 years
- EFS – Startup track eligible
- Directors' profile and revenue considered
- Guidance on documents lenders want to see
How to apply
- Message us your business type, monthly turnover and how much you need.
- We shortlist the licensed lenders whose criteria fit your business.
- We help you assemble a clean application (ACRA profile, bank statements, financials).
- Compare the offers that come back and choose — with no obligation.
Check if you qualify for a startup business loan
Free, no-obligation. We’ll come back with realistic options for your business.
Get a free quoteOther financing options
SME Working Capital Loan
Up to S$500,000 · 1 – 5 years
Unsecured Business Term Loan
S$50,000 – S$500,000 · 1 – 5 years
Invoice Financing & Factoring
Up to 90% of invoice value · Revolving (per invoice)
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.