Short Term Business Loans
Working Capital When You Need It Most
Fast, flexible short term loans for Singapore SMEs and enterprises. Apply in minutes, get approved in as little as 24 hours.
Overview
Built for Business Speed
Whether you need to bridge a cash flow gap, fulfil a large order, or cover operational costs while awaiting payment, our short term business loans are structured to move as fast as your business does. Minimal paperwork, transparent terms, and a dedicated team that understands the pressures of running a business in Singapore.
Loan Details at a Glance
Loan Amount
SGD 10,000 – SGD 500,000
Repayment Period
1 – 12 months
Approval Time
As fast as 24 hours
Disbursement
Same or next business day
Collateral
Unsecured options available
Repayment
Monthly instalments
Who Can Apply
Eligibility Requirements
We keep our requirements straightforward so more businesses can access the capital they need.
Singapore-registered company
Your business must be incorporated in Singapore (Pte. Ltd., LLP, or sole proprietorship).
Minimum 6 months in operation
We lend to businesses with at least 6 months of operating history.
Minimum annual revenue of SGD 100,000
Your business should demonstrate a minimum annual turnover to qualify.
Valid UEN
A valid Unique Entity Number (UEN) registered with ACRA is required.
Director / owner as guarantor
A personal guarantee from the director or majority shareholder may be required.
Use Cases
Common Uses
Bridge Cash Flow Gaps
Cover payroll, supplier payments, or operating costs while waiting for customer payments to clear.
Fulfil Large Orders
Secure inventory or raw materials upfront to fulfil a major contract or purchase order.
Seize Growth Opportunities
Move quickly on a business opportunity — new equipment, a new location, or a strategic hire.
Cover Seasonal Demand
Prepare for peak seasons by stocking up or ramping up capacity before revenue arrives.
Application Process
How to Apply
01
Complete the Application Form
Fill in your company details, loan amount required, and purpose. The form takes less than 10 minutes.
02
Submit Supporting Documents
Provide your NRIC/passport, ACRA business profile, and the last 3–6 months of bank statements.
03
Credit Assessment
Our team reviews your application and documents. We assess your business health and repayment capacity.
04
Receive Your Offer
We present a loan offer with clear terms — interest rate, repayment schedule, and any applicable fees.
05
Sign & Receive Funds
Sign the loan agreement and funds are disbursed directly to your business bank account.
What to Prepare
Documents Required
Having these documents ready will help speed up your application and assessment process.
NRIC or passport of director(s) / guarantor(s)
ACRA business profile (within 3 months)
Last 3–6 months of company bank statements
Latest financial statements (if available)
Proof of business address
Supporting documents for loan purpose (e.g. purchase order, invoice)
Ready to Apply?
Submit your application today and our team will be in touch within one business day.