Fast decisions
Real people review your business — not just an algorithm.
Singapore Fast, flexible financing for local SMEs
Fast business financing for Singapore SMEs.
Working capital when you need it most. Get approved in as fast as 24 hours with transparent pricing and flexible repayment — no hidden fees, no runaround.
Application statusApproved
Cash flow+38%
Funding approved Live
S$45,000
Disbursed to your business account · 22 Jun
Working Capital LoanActive
Next repaymentS$3,900 / mo
The Lendify difference
Powering growth for Singapore's small businesses
We give Singapore's small businesses fast, fair access to the working capital they need to grow — no call-centre runaround, and no fine print you need a lawyer to read.
Transparent from day one
Every rate and fee on the table before you commit.
Flexible to your cash flow
Repayments shaped around how your business earns.
Singapore SME specialists
We focus on local businesses, and we understand them.
Financing solutions
Funding tailored to how your business runs
Whether you're bridging a cash flow gap, buying inventory, or scaling to your next stage — we have a facility built for it.
Working Capital Loan
Unsecured funding to smooth out day-to-day cash flow, cover payroll, and keep operations moving.
- Up to S$50,000
- 3–12 month tenure
Invoice Financing
Unlock cash tied up in unpaid invoices. Get up to 90% of invoice value advanced upfront.
- Advance up to 90%
- No long-term lock-in
Trade Financing
Fund import and export orders, pay suppliers early, and negotiate better terms with confidence.
- Supplier & LC financing
- Flexible drawdowns
Bridging Loan
Short-term financing to bridge timing gaps — receivables, orders, or pending funding.
- Fast disbursement
- Interest-only options
Why Lendify
The financing partner that actually moves at your speed
Banks say no or take weeks. We built Lendify for Singapore SMEs who need decisions fast — with none of the opacity that makes financing stressful.
Fast approval
Decisions in as fast as 24 hours.
Competitive rates
Fair pricing, benchmarked to market.
People who get SMEs
Specialists who understand local business.
Transparent pricing
Every fee disclosed upfront. No surprises.
Flexible repayment
Structured around your cash flow cycle.
Minimal paperwork
Apply online in minutes — no branch visits.
How it works
From application to funds in four simple steps
1
Apply
Complete our short online form in under 10 minutes.
2
Assessment
Our team reviews your profile and reaches out with options.
3
Approval
Receive a transparent offer with clear terms and pricing.
4
Funds disbursed
Money in your business account, often within 24 hours.
Industries we serve
Financing expertise across Singapore's economy
Retail
Stores & e-commerce
F&B
Restaurants & cafés
Wholesale
Distributors & traders
Manufacturing
Factories & production
Health & Beauty
Clinics, salons & spas
Education
Schools & enrichment centres
Questions, answered
Frequently asked questions
Singapore-registered businesses (Pte Ltd, LLP, or sole proprietorships) operating for at least 6 months with a minimum annual revenue of S$60,000 typically qualify. We assess each application on its own merits — including businesses previously declined by banks.
Most applicants receive an indicative decision within 24 hours of submitting a complete application. Once approved and documents are signed, funds are often disbursed the same day or the next business day.
Rates are personalised based on your business profile, financing type, and tenure. We benchmark against the market and disclose every fee upfront — the rate you're quoted is the rate you pay, with no hidden charges.
Typically your ACRA business profile, the last 6 months of business bank statements, and your latest financial statements. For some facilities, additional documents like invoices may be needed.
Financing ranges from S$5,000 up to S$50,000 depending on your revenue, cash flow, and the facility type. Larger facilities may be available for established businesses on request.
Yes. We offer flexible early settlement with fair, clearly-stated terms. There are no punitive lock-ins — settle when it makes sense for your business and we'll confirm the exact figure with no surprises.
Let's help your business grow.
Work with a financing partner that's fast, fair, and genuinely on your side.
Or call our SME desk: +65 6100 8888