Property Equity Cash-Out Loan
Turn Your Property Into Working Capital Without Selling or Losing Control
With Bizsquare, you can leverage your privately owned residential, commercial, or industrial property as collateral to unlock up to 85% of your property’s value for business funding in as little as 14 days — even if the bank has said no.
Want to know your loan eligibility?
Property Equity Cash-Out Loan
Turn Your Property Into Working Capital, Without Selling or Losing Control
With Bizsquare, you can leverage your privately owned residential, commercial, or industrial property as collateral to unlock up to 85% of your property’s value for business funding in as little as 14 days — even if the bank has said no. This is ideal for SME owners who are asset-rich but cash-tight, offering flexible business funding without giving up equity or selling your property.
3,000+ Singapore SMEs funded • Partnerships with all major banks & top private lenders
Let Us Convert Your Property’s Equity into Working Capital in 14 Days using our Property Equity Cash-out loan, even if the bank has said no
Secure the Best Property Loan for Your Business or Home
Whether you’re buying a new property or refinancing your current one, we help you get the best rates, highest approval, and fastest turnaround — all with expert guidance.
What Is a Property Equity Cash-Out Loan?
A Property Equity Cash-Out Loan (also known as cash-out refinancing) allows property owners to borrow against the existing equity in their fully or partially paid private property—excluding HDB flats and only applicable if the property isn’t under public housing schemes.
Using the current market value of your property, our lenders will advance up to 70%–85% Loan-to-Valuation (LTV), subtracting any outstanding mortgage and CPF-used (for downpayments & Instalment) to determine the net convertible amount.
Real Case Study
The Challenge:
We have a SME owner client who is in the retail F&B space. He had a $1.2M private property, $400K mortgage balance, and $150K CPF contribution.
The Action:
We secured an 80% LTV loan from an alternative lender:
(80% × $1.2M) – $400K – $150K = $410K unlocked
The Result:
Funds were disbursed in 12 days, allowing the business to expand into 2 new retail locations without giving up equity.
Repayment can span up to 25–30 years, with options such as fully amortizing principal + interest or interest-servicing-only periods (for non-bank lenders)
Interest rates may start as low as 2.5%–4.0% p.a. via traditional bank channels, while private or alternative lenders offer higher LTV options (up to 85%) with flexible structures and waterline interest terms start from as low as 6.5%p.a.
The Property Equicash Advantage
Most of our clients who come to us are facing the problem of owning private property, but struggle with cash flow issues.
If you are one of them who may be facing:
- Business plans are on hold due to a lack of capital (Poor Cashflow)
- High-interest debt is draining profits
- Banks are rejecting business loan applications
- Poor Credit Bureau score
- Old age and Low income
- Failed TDSR
The Property Equicash Solutions
The Property Equicash Advantage
We help SME owners like you turn idle property equity into liquid working capital — without selling assets or giving up control.
With the Property Equicash Program, you can:
- Borrow up to 85% of your property value
Secure funds in as fast as 2 weeks - Choose repayment terms up to 35 for banks or even flexible interest only repayment
- Enjoy Short lock-in period of only 1 year
- Access both bank and private lending options
- Have No TDSR requirements
- Have No Age and income requirements
- Get Professional Advisory by the expert
- Have NO Credit bureau requirement
Making an Impact One Client at A Time
Our Testimonials
Why Choose Property Equity Cash-Out for Business Funding?
This solution allows business owners to unlock large amounts of low-cost capital—without relinquishing business equity or liquidating your property. Use the capital to:
Fund business expansion, working capital, or marketing investment
Engage in investment opportunities or start new ventures
Acquire equipment or retail space
Consolidate higher-interest debt
It’s especially valuable when your property has grown in value, maximizing access to financing with minimal additional risk
Features & Benefits
Feature | Details |
|---|---|
Loan-to-Valuation (LTV) | Up to 70% via banks, and up to 85% via private lenders |
Eligible Properties | Private residential, commercial, and industrial properties only |
Loan Tenure Options | Up to 25–35 years, with interest-only options in alternative models |
Interest Rates | From ~2.5–4.0% p.a. (banks), up to ~7–9% via private lenders |
CPF & TDSR Note | CPF-used sums cannot be cashed out; TDSR does not apply for private lenders |
Ideal For | Business owners who have private property, needing large, low-cost capital without collateral loss |
What to Consider
- Regulatory Constraints: CPF funds used toward property cannot be re-cashed. To maximize cash out, outstanding loan and CPF amounts are subtracted from your LTV entitlement
- Types of Property Constraints: Not all Private Property give the same LTV of 85%. Some commercial or industrial property might be eligible for 70% or 75%.
- Potential Revaluation Risk: Private lenders may require top-ups if property value changes significantly.
- Fees: Be prepared for legal and valuation fees (~S$3,000–5,000) during the loan processing—though often offset by longer-term capital savings.
Regulatory Constraints
CPF funds used toward property cannot be re-cashed. To maximize cash out, outstanding loan and CPF amounts are subtracted from your LTV entitlement
Types of Property Constraints
Not all Private Property give the same LTV of 85%. Some commercial or industrial property might be eligible for 70% or 75%.
Potential Revaluation Risk
Private lenders may require top-ups if property value changes significantly.
Fees
Be prepared for legal and valuation fees (~S$3,000–5,000) during the loan processing—though often offset by longer-term capital savings.
Why Partner with Bizsquare?
We provide strategic guidance and access across both traditional banks and alternative lenders to help you:
- Obtain the best loan package based on valuation, LTV, and interest rate
- Maximize your available equity while safeguarding metrics like TDSR (if applicable).
- Navigate documentation, loan structuring, and application follow-ups
- Avoid pricing or valuation pitfalls and process delays.
We’ve served over 3,000 SME clients for business funding across Singapore in the past 12 years. We know how to help you in the best possible way.
Frequently Asked Questions
No — the Property Equicash Program is designed exclusively for private residential, commercial, or industrial properties.
Most clients qualify for up to 75% of property value via banks and up to 85% via private lenders, minus any outstanding mortgage and CPF contributions. We’ll calculate your exact figure during your free consultation so you know exactly what’s possible before committing to anything.
Banks often offer 2–3-year fixed rates as low as 2.8% p.a. for stability. Private lenders may have slightly higher rates (up to ~7–9%), but also offer higher LTVs and more flexible repayment structures — especially useful if you need maximum capital fast. We’ll match you with the option that makes the most financial sense for your goals.
Some private lenders may request a top-up if the property value changes significantly (margin call) However, we’ll structure your loan with terms and buffers to protect you from unnecessary risk, and give advice on lenders with the most stable valuation policies.
Legal and valuation fees are typically S$3,000–S$5,000, depending on your property type and lender.
These costs are minor compared to the capital unlocked, and in many cases are offset by the lower interest rates or improved cash flow from the loan. This loan from EquiCash is also a lot cheaper than private unsecured loans.
With the right documentation, approvals can be completed in as little as 14 days.
We specialise in fast-tracking applications and avoiding common delays that happen with traditional channels.
Unlock Your Property Equity Propel Your Business Forward
If you own private property with appreciable equity, a Property Equity Cash-Out Loan can be a powerful way to access business funding quickly and cost-effectively—without selling assets.
Unlock Your Property Equity
Propel Your Business Forward
If you own private property with appreciable equity, a Property Equity Cash-Out Loan can be a powerful way to access business funding quickly and cost-effectively—without selling assets.
SUBMIT LOAN ENQUIRY
COMMERCIAL PROPERTY LOAN SINGAPORE
In Bizsquare, we understand that property is normally one of the highest value assets that each of us has to pay in our lifetime; and getting a property loan approved in Singapore is not easy due to many government rulings.
Therefore, we are here to help you get your desired property loan Singapore approved. Regardless of whether it is commercial, industrial property or residential; we got it all covered.
However, there are differences between getting a commercial/industrial property financing and getting a residential property financing.
Residential property loans tend to be quite similar across the board in terms of how much money you can borrow for any given real estate, with the value of the property being the bank’s main consideration apart from your financial standing. Approval amount is based on TDSR calculation.
Commercial property loans, on the other hand, tend to be far more varied, and many factors might be considered by the bank in order to determine the loan amount to extend to you, including the anticipated use of the property, business profile, type of real estate, perceived risk, market conditions, company performance, director credit history and cashflow position of company
In this section, we will be talking about new property purchase and refinancing for residential and commercial properties.
We are specialising in both buying Commercial Property loan deals under company, and also Residential property under Individual name.
INDUSTRIAL AND COMMERCIAL PROPERTY LOAN
GETTING A COMMERCIAL PROPERTY FINANCING FOR NEW PURCHASE AND REFINANCING
If you are looking to get a property financing to buy your new industrial or commercial unit, there are many things you need to take note.
Loan-to-Value (LTV) Ratio For Your Commercial Assets
In general, most banks in Singapore will extend 80% to 90% of your real estate purchase price or valuation.
Unlike taking a commercial property loan as an individual, your business is not restricted to any Total Debt Servicing Ratio (TDSR) requirements. However, your business financial standing and credit profile can affect how much of the amount banks may be willing to extend to you.
Other Loan Facilities For Your Commercial Property Purchase
When businesses purchase a commercial real estate, you can usually also add on a term loan or an overdraft facility. In certain instances, you can get more than 100% of the property value from these complementary refinancing facilities. Of course, interest rates will be different from the main commercial property loan that you are applying for.
In addition, you can also use trade facilities such as Invoice Financing or Accounts Receivables Purchase to raise cash by turning your receivables into upfront cash. This can help form all or part of your downpayment on the commercial property.
Loan Duration
Similar to buying a house as an individual, you also have to consider how long you want to service your commercial property loan. Most banks in Singapore offer a repayment period of between 25 to 30 years for your commercial property financing.
We provide commercial property loan for customers who are purchasing or refinancing the following:
HDB shophouse
(new or resale)
Commercial shop
(new or resale)
Commercial offices
(new or resale)
Factories
(new or resale)
JTC factories
(new or resale)
RESIDENTIAL HOUSING LOAN
Similar to buying a house as an individual, you also have to consider how long you want to service your commercial property loan. Most banks in Singapore offer a repayment period of between 25 to 30 years for your commercial property financing.
We provide residential property loans for customers who are purchasing or refinancing the following:
Condominium
Landed Real Estate
HDB Shophouse
Property Loans for New Purchase
Looking to acquire a new home or commercial unit? We’ll help you secure the best financing package based on your profile, property type, and goals.
✅ Residential Property Loans
- For HDB (bank loan only), condos, executive condominiums, and landed homes
- Competitive fixed and floating rate packages from 2.6% p.a.
- Up to 75% Loan-To-Value (LTV)
- First-time and second-home buyers welcome
✅ Commercial Property Loans
- For business owners buying offices, warehouses, industrial units, or shophouses
- Up to 90% financing available
- Options for individuals and corporate entities
- Full guidance on business documentation, valuation, and cashflow analysis
Property Loan Refinancing
Refinancing can save you thousands in interest — but only when done right. We assess your current loan, evaluate new offers, and help you switch to a more favourable plan at the right time.
🔁 Why Refinance?
- Reduce your monthly repayments
- Lower your interest rate (as low as 2.5% p.a.)
- Switch to fixed or floating options to suit your goals
- Stretch out your tenure to ease short-term cashflow
- Revalue your property to unlock better LTV
Who We Help
Similar to buying a house as an individual, you also have to consider how long you want to service your commercial property loan. Most banks in Singapore offer a repayment period of between 25 to 30 years for your commercial property financing.
We work with:
First-time home buyers
HDB upgraders
Property investors with multiple mortgages
SME owners buying or refinancing business premises
Corporate buyers needing strategic commercial financing
Property agents and brokers looking for a trusted loan partner
Bizsquare will help you in the following ways:
1. Obtain the housing
loan you need in the
fastest timing
2. Get the best rate
3. Help you achieving
the highest LTV of 75%
4. Settle all the
paperwork for you
Therefore, you are able to save on your interest rate and save your time to liaise with the banks.
HOW CAN YOU SAVE WITH BIZSQUARE?
LOAN AMOUNT
$1,000,000
CURRENT INTEREST RATE
3% P.A.
INTEREST PER YEAR
$30,000
NEW INTEREST RATE
1.4% P.A.
NEW INTEREST PER YEAR
$14,000
SAVINGS FOR ONE YEAR
$16,000
With our refinancing, you save $16k per year for 2 years. (Total savings at $32k)
APPLICATION PROCESS - STEP BY STEP GUIDE:
STEP 1
- Contact us via phone / sms / web contact form.
- Fact finding / Phone discussion.
- Email rates / proposal for consideration.
STEP 2
- Appointment/Discussion.
- Application submission.
- Bank’s credit underwriting & approval.
STEP 3
- Approval & issuance of lender’s offer letter.
- Acceptance of offer letter.
- Completion/Settlement.
PROPERTY LOAN SINGAPORE FAQ
Up to 75% of the property value or purchase price, whichever is lower (subject to MAS TDSR rules).
Yes, but we help you avoid lock-in penalties and time it strategically for maximum savings.
Absolutely. We specialize in helping business owners, freelancers, and self-employed clients secure the right financing.
No upfront fees. We’re only paid when your loan is approved and disbursed by the lender.
Unlock Your Property Equity
Propel Your Business Forward
If you own private property with appreciable equity, a Property Equity Cash-Out Loan can be a powerful way to access business funding quickly and cost-effectively—without selling assets.