Singapore SME Financing
An approval outcome in 24 hours.
Loans of up to $500,000 for Singapore SMEs — including the businesses whose documents are not strong. Low interest rates from 1% per month.
Simple application process · A consultant reviews every enquiry
Access up to $100,000 with no collateral needed.
Access up to $500,000 with second charge (caveat).
Up to 75% of property value on commercial or private residential property.
Our Services
Six facilities. One consultant.
Every day we help many SMEs expand their business to the next level, and it takes only a minimum qualification to obtain a loan from us.
Working Capital
Finances everyday operations such as payroll, rent and inventory — taken when a company needs cash liquidity to cover day-to-day expenses so it can put more money into expansion.
Invoice Financing
Meets short-term liquidity needs against invoices your customers have not yet paid. Use the cash to pay employees or suppliers, or to invest in new machinery.
Bridging Loan
Meets current obligations with immediate cash flow while fresh funds are expected within a short time frame — to purchase property, fund restoration works, or secure a business opportunity.
Property Loan
Up to 75% of property value on commercial or private residential property. A top-up — second charge — without discharging your existing bank mortgage.
Line of Credit
A credit card for your business. Draw funds as needed up to a limit; interest is charged only on the amount drawn, and the limit goes back up once it is repaid.
Equipment Financing
Financing for business equipment. Speak to a consultant about what can be arranged for your company.
Property loan · Worked example
We lend behind your bank, not instead of it.
Bizsmile Capital can provide a top-up loan — a second charge — without discharging your existing mortgage with the bank. The facility you already have stays exactly where it is.
Most lenders would refinance the whole mortgage to release equity. We do not need to, so the interest you are already paying is untouched.
If your commercial property is valued at
…without repaying or discharging the existing bank mortgage. Saves the interest of refinancing the entire mortgage · Flexible and fast approval, 3 days · Does not require you to meet TDSR.
Minimum qualification
Five boxes. That's the whole test.
Trusted by small businesses and industry experts. If these five are true of your company, it is worth an application.
- 01 Only 6 months in business
- 02 Minimum monthly sales revenue of S$8,000
- 03 Singapore Private Limited or Limited Partnership
- 04 Active corporate bank account
- 05 Do not require any collateral or security
Why choose us
The reasons you were turned down. And where we stand.
We are an independent fund house, not a bank. We are customer-centric, with a long track record of financing companies across various industries — and a high approval rate even where documents are not strong.
Six months in business and S$8,000 in monthly sales revenue is the whole requirement. No collateral or security is needed.
Our track record spans companies across various industries, and we work with SME grant consultants and bank panel consultants to put together a one-stop solution.
Interest rates start from 1% per month, and as low as 1.0% per month on invoice financing. Ask a consultant for the full cost of your facility before you commit.
Established in 2009 and owned by Ezytronic Pte Ltd, we work closely with multi-family offices and ultra-high-net-worth individuals to fund Singapore SMEs. If you can't get a solution from us, you probably won't get it somewhere else either.
For consultants & brokers
Bring us the deal others can't place.
We are now inviting and welcoming Singapore business consultants and SME loan brokers to be our marketing arm and sales representatives. We can customise a win-win solution between Bizsmile Capital and your organisation.
We are familiar with the documentation and information banks require, as well as the business loan credit criteria of the various banks. All business loan consultants are invited to work together with us to achieve a synergy solution for their respective clients.
Questions
Before you apply
How much can I borrow?
Up to $100,000 with no collateral needed, and up to $500,000 with a second charge (caveat). For property loans, up to 75% of the value of commercial or private residential property.
How fast is approval?
A fast SME loan approval outcome within 24 hours. Property loan approval is flexible and fast at 3 days.
What is the interest rate?
Low interest rates from 1% per month. On invoice financing, rates go as low as 1.0% per month.
Do I need to put up collateral?
No collateral or security is required for loans up to $100,000. Above that, up to $500,000 is available against a second charge (caveat).
Do I qualify?
Five things: at least 6 months in business, minimum monthly sales revenue of S$8,000, a Singapore Private Limited or Limited Partnership, and an active corporate bank account. No collateral is needed.
My CBS report and statements are weak. Should I bother?
Yes. We maintain a high approval rate even where documents are not strong, and we have a long track record of financing companies across various industries.
Can I borrow against a property that already has a mortgage?
Yes. We provide a top-up — a second charge loan — without discharging your existing bank mortgage, which saves the interest of refinancing the whole mortgage. TDSR does not need to be met.
Let's begin
Don't hesitate. It takes one message.
Leave your company name and contact number, or message us directly on WhatsApp. We work with SME grant consultants and bank panel consultants to give you a one-stop solution.