Helping businesses identify suitable financing solutions to improve cash flow,
support expansion and strengthen operations.

Singa Advisors

Business Financing Solutions

Explore funding options designed for different business stages, cash-flow requirements and eligibility profiles.

Alternative Business Funding

No Bank Statement Required Facilities

Unable to qualify for conventional bank financing because of your operating statements? Explore alternative facilities offered through participating financial institutions.

✓ Preserves your bank Working Capital Loan limit of up to S$500,000.
✓ No loan disbursement reflected in your operating bank statement.
✓ No financing commitment reflected in your operating bank statement.
Facility Maximum Amount Interest Rate Tenure Typical Approval Suggested Applicant Profile
Option #1 S$30,000 0.4% p.m. 60 Months S$30,000
  • All company types
  • Minimum S$30,000 NOA
  • BTI pass
  • CBS HH and above
Option #2 S$30,000 0.7% p.m. 12 Months S$15,000
  • All company types
  • Minimum S$30,000 NOA
  • BTI pass
  • CBS DD and above
Option #3 S$200,000 0.5% p.m. 12 Months S$30,000
  • All company types
  • Minimum S$30,000 NOA
  • BTI pass
  • CBS HH and above
Option #4 S$30,000 0.5% p.m. 60 Months S$50,000
  • Private limited companies only
  • Minimum S$30,000 NOA
  • BTI pass
  • CBS DD and above

Option #1

Maximum Amount S$30,000
Interest Rate 0.4% p.m.
Tenure 60 Months
Typical Approval S$30,000
Profile All company types
Minimum S$30,000 NOA
BTI pass
CBS HH and above

Option #2

Maximum Amount S$30,000
Interest Rate 0.7% p.m.
Tenure 12 Months
Typical Approval S$15,000
Profile All company types
Minimum S$30,000 NOA
BTI pass
CBS DD and above

Option #3

Maximum Amount S$200,000
Interest Rate 0.5% p.m.
Tenure 12 Months
Typical Approval S$30,000
Profile All company types
Minimum S$30,000 NOA
BTI pass
CBS HH and above

Option #4

Maximum Amount S$30,000
Interest Rate 0.5% p.m.
Tenure 60 Months
Typical Approval S$50,000
Profile Private limited companies only
Minimum S$30,000 NOA
BTI pass
CBS DD and above
Check Eligibility

New Business Funding

Start-Up Facilities

Financing options for newer companies that may not meet the longer operating-history and revenue requirements imposed by conventional lenders.

Minimum Incorporation No Minimum – 12 Months
Minimum Revenue S$100,000 – S$150,000
Maximum Loan S$100,000 – S$200,000
Maximum Tenure 48 – 60 Months
Typical Approval S$30,000 – S$120,000
i

Financial statements may not be required for selected start-up facilities. Final eligibility remains subject to assessment.

Check Eligibility

Bank Financing

Government-Assisted Financing

Bank facilities supported through government risk-sharing schemes. These options are generally suited to established businesses with healthy account conduct and sufficient balances.

Interest Rate 0.32% – 0.42% p.m.
Maximum Tenure Up to 60 Months
Combined Limit Up to S$500,000 Across participating banks
Minimum Revenue S$150,000 – S$700,000
Typical Approval S$100,000 – S$300,000
i

Healthy bank statements and average balances of approximately S$8,000–S$10,000 may be required. Financial-statement requirements differ between participating institutions.

Check Eligibility

Alternative Lending

Peer-to-Peer Lending

A flexible financing route for companies requiring quicker disbursement, more accessible eligibility requirements or short-term cash-flow support before approaching a bank.

Loan Amount S$50,000 – S$200,000
Tenure Up to 36 Months
Interest Rate From 0.83%
Typical Approval Around S$150,000
Company Type Private limited companies and selected sole proprietorships
i

Availability remains subject to the respective lender’s assessment.

Check Eligibility

Short-Term Working Capital

B2B Private Lending

Short-term funding offered by private lenders and family offices. It is designed for businesses requiring larger amounts and faster access to capital, although financing costs may be higher than conventional bank loans.

Facility Limit S$300,000 – S$1,000,000
Interest Rate From 0.58% p.m.
Credit Term 30 – 120 Days
Company Type No Fixed Restriction
Typical Approval S$300,000 – S$600,000
i

Facility availability, financing cost, credit term and approval amount remain subject to the private lender’s assessment.

Check Eligibility

Receivables Financing

Invoice Financing & Factoring

Convert unpaid invoices into working capital before their due dates. Suitable for businesses managing projects, recurring expenses or extended customer payment terms.

✓ Receive up to approximately 80% of eligible invoices upfront.
✓ Supports projects requiring consistent cash flow.
✓ Suitable for invoices issued to established companies or government-linked entities.
Facility Limit Subject to Aging List
Interest Rate 0.58% – 0.69% p.m.
Credit Term 30 – 90 Days
Company Type No Fixed Restriction
Typical Approval S$300,000 – S$600,000
i

Facility size and advance amount depend on invoice eligibility, debtor quality, the aging list and the respective financier’s assessment.

Check Eligibility

All figures shown are indicative only. Interest rates, approval amounts, eligibility requirements, processing times and facility terms are subject to the respective financial institution’s assessment.