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Tell us the gap
Explain what you need to bridge and when you expect the incoming funds to arrive.
Short-term timing bridge
Bridging Loan Singapore
A bridging loan is short-term financing that covers a temporary gap — the weeks between a cost landing now and funds arriving later. It's designed for situations where you know the money is coming: a receivable due, a facility being finalised, or an opportunity that won't wait. Interest-only options keep repayments light until your expected funds arrive.
Why businesses use it
Timing mismatches are expensive. A deal that needs deposit money this week, a receivable that clears next month, a supplier discount that expires Friday — all solvable with cash you'll have shortly but don't have today.
What it's used for
Bridging receivables
Cover costs while a confirmed payment works through your customer's cycle.
Time-sensitive opportunities
Move on stock, equipment or a contract that won't wait for your cash cycle.
Covering a short gap
Handle a defined few-week shortfall without restructuring your finances.
Awaiting other funding
Operate normally while a larger facility is being finalised.
How it works
Bridging Loan — how it works
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We assess the exit
The key question is your repayment source — we assess how and when the bridge will be cleared.
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Fast disbursement
Because bridges are time-sensitive, we prioritise speed on approval and release.
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Settle on arrival
Repay when your expected funds land, with interest-only options in the meantime.
Before you apply
Eligibility and documents
Who qualifies
- Incorporated in Singapore — Pte Ltd or LLP only
- At least 6 months in operation
- Minimum annual revenue of S$60,000
- At least one Singaporean or PR director / guarantor
Documents you'll need
- ACRA / BizFile business profile
- NRIC (front & back) of directors / guarantors
- Latest 6 months business bank statements
- Proof of pending funds / receivables
Things to consider
- A bridge is only as sound as its exit — you need a clear, realistic source of repayment.
- Short tenures mean the facility is designed to be cleared quickly, not carried.
- Not suited to covering ongoing operating losses or an unresolved structural cash shortfall.
Questions, answered
Bridging Loan FAQs
It's short-term financing that covers a defined gap between money going out now and money arriving shortly. It's used when the incoming funds are reasonably certain — a receivable, a pending facility, or a confirmed sale — and you simply need to cover the interval.
Typically 1 to 6 months. Bridges are deliberately short: they're designed to be cleared when your expected funds arrive, not carried as ongoing debt.
Interest-only options are available, which keeps monthly outgoings light during the bridge period and clears the principal when your funds arrive. We'll structure this around your expected timeline.
Tell us early. Delays happen, and we'd far rather work with you on a realistic revised plan than have you miss a repayment silently. We handle these conversations in good faith.
Short-term facilities generally carry a higher monthly rate than longer-term lending, but because the term is short, the total cost can be modest. We disclose the full cost upfront so you can compare properly before committing.
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