BIZSQUARE – BEST BUSINESS LOAN CONSULTING SERVICE IN SINGAPORE
- Get $500k SME Working Capital Loan
- Refinancing your property to a lower rate
- Cash-out the equity from your property without worry about TDSR
- Get a Trade Facility for your business with someone who can advice you how to structure your trade line.
- Highly professional business loan consulting in Singapore
BUSINESS LOAN CONSULTING SERVICES
Types of business financing facilities we can help you obtain:
TRADE & INVOICE FINANCING
Optimize working capital by accessing funds tied up in receivables or inventory.
- Includes Invoice Factoring, Accounts Receivable Financing, Letter of Credit (LC), and Trust Receipt facilities
- Suitable for importers, exporters, and wholesalers—Domestically or cross-
EFS-Trade Loan supports facilities up to S$10 million (per borrower) with risk-sharing up to 50% (70% for young SMEs)
PRIVATE PROPERTY EQUITY CASH-OUT LOAN
Monetize your private residential or commercial property to access immediate capital. This are loan from private financing companies.
- Tap into the value of your fully or partially paid private property
- Access up to 85% of your property’s market value
- Funds can be used for business growth, investments, or consolidation of liabilities
- No CPF usage or lock-in period required
- No TDSR requirement
- No Credit Bureau requirement
- Easier to approve
- Fast approval with flexible repayment structures
Ideal for: Business owners who are asset-rich but cash-tight, or need non-bank funding flexibility.
OUR PROCEDURE
Easy 6 steps process, here are what you need to do:
STEP 1
Submit the loan inquiry form.
STEP 2
We'll call you within 24 hours.
STEP 3
During the call, we'll find out More about you & arrange a free 30 min consultation with us.
STEP 4
We analyse your business, your financial situation, your cashflow gap and expansion plans.
STEP 5
Present to you our recommendation on what is the best solutions for your business.
STEP 6
Loan approved. Get the funding you require and solve your cash flow needs.
DOCUMENTS THAT WE WILL REQUIRE FROM YOU
FOR OUR INITIAL ASSESSMENT
- NRIC of Directors
- NOA of all Guarantor for the last 2 years
- Last 6 months Bank statement
- CBS of all guarantors
- Financials of company for the last 2 years
- Any contracts or invoices of the company
WORK IN FIGURES
OVER 3,000
No. of Client
OVER 1.3 BILLION
Total Approved Loan Amount
OVER 30+
No. of Financing Partner
OUR FINANCING PARTNERS
We work with more than 30 banks, financial institutions and private funders to give you the
best financing solutions in the market.
Ready to Unlock Your Financing Potential?
Whether you need working capital, property-backed cash, or trade finance — we’ll guide you through every step, from assessment to approval.
SME BUSINESS LOAN SINGAPORE FAQ
The maximum small business loan funding amount differs among various banks and also depends on your company credit profile (revenue size, industry, cashflow position etc.).
Most banks’ maximum financing amount granted to SMEs range between $300K to $500K. However, it is exceedingly hard to secure the maximum amount unless the company has close to perfect credit profile. If your main bank is not able to meet your requested financing amount, you can also apply across other banks concurrently to maximize the financing amount you’re targeting.
Yes, you can but options are very limited for new startups. Most banks do not provide start-up business loan for newly registered companies.
Most banks lend on track record and would require applicant company to have at least 1 to 2 years of operational business history before considering extending financing.
If your business is operational and at least 6 months old, a competent SME loan broker might still be able to help you secure business financing.
However, expect very limited financing options for a start for very young companies and also smaller financing quantum. If you manage to secure any form of business loans, ensure prompt subsequent repayments to build up a good credit record for your company.
As your business matures and coupled with a good credit record, it’ll be easier to source for financing in future from more banks, with more options.
If you are not qualified for our business loans, we will ensure that we let you know all the information you need to improve your financial situation and your business. Afterwards, you can put in another application at a later date with better chance of qualifying. Many businesses opt for loan due to urgent needs for project funding. When an application has been declined, the business may not be eligible to apply to the same lender for as long three to six months.
Here’s some of the potential reasons why an application might get rejected:
- Business’ owner credit profile
- Not understanding the financials that was submitted
- Applying to the wrong bank for funding
- The loan limit that is applying
Once you apply for a loan, the financial institution will look up your personal credit report. Your credit report will then be taken into account when your application is being surfaced. If you have a low credit rating, there’s a higher chance that your business loan will be negatively affected by it. However, Bizsquare can help you to identify the various banks and other financial institutions that have credit criteria that is suitable for your business profile, so that you can maximize your chances of approval for a business loan.
The average interest rate currently ranges from 2.5% – 7.5% effectively per annum, depending on the type of business loan you are applying for and the company’s credit profile.
Typically we will need:
- last 6 months of company bank statement
- Last 2 years of financial statement
- Last 2 years of notice of assessment
- NRIC of the guarantor
Depends on the volume of application at that point in time. Typically 2-4 weeks.
- Must be a Singapore registered SME company and at least 1 year in business.
- Annual turnover of $100K and more.
- Group employment size of not more than 200 employees.
- Minimum 30% shareholding by Singaporean PR