Business Term Loan
Business Term Loan

Get capital for purchase of fixed assets or to improve cash-flow and optimize daily operations with a collateral-free term loan. With a fixed monthly repayments over 5 years and a cap of SGD$500,000 on the loan amount, you have room to grow as well as the funding for your expansion.

As the business term loan is an unsecured loan that doesn’t require collateral, you don’t have to use your assets as collateral – instead, you can use your assets and resources to take your company to the next milestone.

"A Business Loan in Singapore gives you Emergency Cash Flow"

What are common uses for unsecured loans?

Common uses for unsecured loans include:

  • Fund expansion activities: Unsecured loans can be used to finance a wide-ranging array of growth activities for businesses across industries – from renovation and expansion projects for restaurant owners, to setting up a new branch or acquiring an existing practice for medical practitioners.

  • Overcome seasonality: Flexible financing solutions, such as an unsecured credit line can be a handy tool for balancing out your cash flow across the high and low seasons.

  • Capitalise on time-sensitive opportunities: External financing can make it possible for small businesses to capitalise on fleeting business opportunities that they might otherwise have to pass up on, like taking advantage of limited-time inventory discounts or securing a well-located retail space.

  • Cover unexpected costs: Equipment breakdowns, delays in payments, problems with utilities – these mishaps can happen from time to time, but the last thing you’d want is for these issues to create longer-than-necessary delays in your operations or adverse impacts on your cash flow. With external financing, you’ll obtain the funding you need to remedy the situation in a timely manner.

Loan up to SGD$500,000

With fixed monthly repayments over 5 years

No collateral required

There is no requirement to pledge any property or deposit as collateral to apply for this loan. Personal guarantee(s) may be required.

Fast repsonse

Get in touch with us along with the required documents and we will provide a response within 24 hours


Companies applying for the Business Term Loan should meet the following criteria:

  • Company registered and operating in Singapore
  • At least 30% local shareholding
  • Minimum 3 years in business
  • Group annual sales of ≤ S$100m or group employment size ≤ 200^

^Annual sales turnover and employment size will be computed on a group basis (i.e. All levels up for corporate shareholders holding > 50% of total shareholding of the applicant company and any subsequent corporate parents, and subsidiaries all levels down)

Enquiries? Questions?

Send us an email, and our team of friendly consultants will get back to you at the earliest possible time.

Alternatively, you may wish to give us a call at +65 8815 7966 or visit us at our offices at 334 Kreta Ayer Road, #01-05, Singapore 080334 between our opening hours of  9am to 5pm.