More capital than one bank will offer you.
SME working capital and term financing, structured across several banks at once under Enterprise Singapore's Financing Scheme.
until your facility is approved and the funds are fully disbursed.
- 01Nothing payable on application.
- 02Nothing payable on an approval in principle that never funds.
- 03The fee is agreed in writing before you commit to anything.
A bank gives you one banker's read. We run four in parallel.
Walk in alone and one credit officer decides your number. Most of the time what comes back isn't enough to move the needle.
Your financials are assessed, the case is structured, the flags that turn into rejections are dealt with before submission, and the application is positioned across several banks at the same time, so they are competing for the facility rather than deciding it in isolation. Approval, quantum and pricing remain each bank's decision; the fee only becomes payable if the facility is approved and fully disbursed.
Nine facilities. Rarely just one of them.
Most cases end up as a combination, and that is usually where the extra quantum comes from.
The government-backed SME working capital facility, capped at S$500,000 per borrower, with the risk shared between Enterprise Singapore and the participating bank.
An unsecured term facility used alongside the Working Capital Loan so total funding can go beyond the WCL cap while drawing less of your WCL quota.
Purchase or refinancing of commercial and industrial property, including loans against a property your company already owns.
A revolving line attached to your operating account for short, uneven cash gaps, so you pay interest only on what you actually draw.
Advance against invoices already issued, so payroll and suppliers are not waiting on a customer's 60 or 90 day terms.
Funding for goods bought overseas: letters of credit, trust receipts and supplier payments settled before your stock arrives and sells.
Machinery, vehicles and plant funded against the asset itself, keeping the capital cost off your working line.
Funding structured around a specific awarded contract, drawn against progress claims rather than the balance sheet alone.
Non-bank facilities for cases the banks decline on policy rather than on substance, considered only where the terms genuinely make sense.
“When you walk into a bank on your own, you get one banker's conservative read on your case.”
Tell me what the funding is for.
Your company, roughly what you need, and what it's for. That's enough to tell you whether there's a case worth building.