Bank turned you down for working capital?
Find out how much you can borrow in just 15 minutes
Speak with an experienced lending specialist today and discover how you can access S$50k to S$2M in the next 48 hours.
Funds in 24 to 48 hours once approved
Funding options when your bank has already said no
Flexible loans up to 5 years
Find out what you qualify for in as little as 15 minutes
3 Simple Steps To Getting Funded
15 Minute Eligibility Check
Speak directly to a specialist. If you have already been declined, we start with why, because most owners are never told and that reason is usually the fix.
See Your Options Side By Side
[Confirm timeframe] A bank facility, a government risk-shared route and financing against your invoices are three products at three different costs and speeds. You see the ones you qualify for with the monthly cost of each.
We Submit, You Get Funded
One file, prepared the way that lender's credit team reads it. You are not sending the same documents to six institutions and collecting six declines on your bureau record.
Click the button to find out if you qualify and how much you can get.
What Clients Say
Awaiting written permission
[Real client line. Declined by a bank, subsequently funded.]
[Industry, years trading]
Awaiting written permission
[Real client line. Receivables gap covered.]
[Industry, years trading]
Awaiting written permission
[Real client line. Replaced an expensive facility. Highest value story on this page.]
[Industry, years trading]
Placeholder section. Delete it entirely at launch if written client permission is not in hand. Do not fill with generic praise.
What We Can Arrange
Working Capital Loan
Term funding for payroll, stock or operating costs. The risk-share window until 31 March 2027 affects what lenders will approve on qualifying loans.
Invoice And Project Financing
Funded against what you are already owed. Built for the gap between winning the work and getting paid for it.
Bank Facilities
Where your file clears a bank on its own, we place it there, because it is usually the cheapest option on the table.
Replacing Expensive Borrowing
If you are servicing a facility at a monthly rate, we will show you plainly what that annualises to next to the alternatives.
Is This For You?
This is for you if
You are running a Singapore business with revenue coming in
You need working capital for payroll, a project, stock or a receivables gap
A bank has declined you or approved less than you asked for
You are paying a monthly rate you are not comfortable with
You want it explained plainly, without pressure
This is not for you if
You need funds inside 72 hours, because underwriting does not move that fast
The business has not started trading yet
You are looking for a personal loan rather than business funding
Questions People Ask First
I was rejected last month. Is it worth trying again?
It depends on why, and most owners are never told why. Institutions differ in appetite, and the risk-share window open until 31 March 2027 affects that appetite on qualifying loans.
My business is young and revenue is not big. Do I qualify?
Government risk-shared routes carry minimum trading history and revenue requirements, so some businesses genuinely do not clear them. Other routes have different criteria. The check tells you which set you fall into.
I own an HDB flat. Does that matter here?
Not for business financing. Your flat is not part of this.
What does this cost me?
The check is free with no obligation to proceed. [Confirm fee model: paid by lender, paid by client, or both. Must be exact before launch.]
I need money this week. Can you help?
Probably not at that speed and we would rather say so now. Tell us your deadline on the call and we will be straight about whether anything realistic exists.
I am borrowing at a monthly rate from a licensed lender. Can that be replaced?
Often yes, and it is one of the more common reasons owners come to us.
Does the government risk share mean I owe less?
No. That arrangement sits between the lender and the agency. It affects what the lender is willing to approve. It does not change what you are liable for.