Business loan products

Financing built around how Singapore SMEs actually run

Four straightforward facilities — clear terms, fast decisions, and funding up to S$50,000. Explore what each one is for, who qualifies, and what you'll need to apply.

Unsecured cash flow funding

Working Capital Loan

An unsecured loan that puts fast, flexible cash into your business account for everyday needs — no collateral and none of the lengthy bank paperwork. Draw on it to cover the gap between money going out and money coming in, and repay in fixed, predictable monthly instalments.

What it's used for

Payroll & rentRestocking inventoryMarketing & hiringBridging cash flow gapsUnexpected expenses

Who qualifies

  • Business registered and operating in Singapore
  • 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
Turn unpaid invoices into cash

Invoice Financing

Advance up to 90% of the value of your outstanding invoices instead of waiting 30–90 days to be paid. When your customer settles, you receive the balance less a small fee — so long payment terms never hold your business back or stop you taking on bigger orders.

What it's used for

Bridging long payment termsTaking on larger ordersSmoothing lumpy cash flowPaying suppliers on time

Who qualifies

  • Business registered and operating in Singapore
  • 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
  • Outstanding / sample invoices
  • Accounts receivable ageing report
  • Key debtor details
Fund purchases & suppliers

Trade Financing

Finance the purchase orders and supplier payments behind your sales. Pay suppliers upfront — locally or overseas — fulfil larger orders, and negotiate better terms, with the facility repaid once your goods are sold or your buyer pays.

What it's used for

Paying suppliers upfrontImport & export ordersFulfilling large POsSecuring supplier discounts

Who qualifies

  • Business registered and operating in Singapore
  • 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
  • Purchase orders / sales contracts
  • Supplier invoices or quotations
Short-term timing bridge

Bridging Loan

Short-term financing to bridge a temporary gap — while you wait on receivables, a pending facility, or a time-sensitive opportunity. Interest-only options keep repayments light until your expected funds arrive.

What it's used for

Bridging receivablesTime-sensitive opportunitiesCovering a short gapAwaiting other funding

Who qualifies

  • Business registered and operating in Singapore
  • 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
Why borrow with Lendify

Simple, transparent, and fast

Decisions in 24 hours

A quick review and a clear answer — no weeks of waiting.

No hidden fees

Every rate and cost shown upfront before you commit.

Flexible repayment

Structured around your cash flow, not a rigid template.

Minimal paperwork

Apply online in minutes with a short document list.

Not sure which facility fits?

Tell us about your business and a Lendify specialist will recommend the right structure — no jargon, no pressure.

Apply now