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Apply in minutes
Submit a short online form with your basic business details — no branch visit, no lengthy forms.
Unsecured cash flow funding
Working Capital Loan Singapore
A working capital loan gives your business unsecured cash for day-to-day operations — the money that keeps payroll paid, rent covered and shelves stocked while you wait for revenue to land. Unlike a bank facility that can take weeks and demand collateral, a Lendify working capital loan is assessed on how your business actually trades, and repaid in fixed monthly instalments you can plan around.
Why businesses use it
Most Singapore SMEs aren't short of profit — they're short of timing. Customers pay on 30 to 90 day terms while suppliers, landlords and staff expect paying now. That gap is where otherwise healthy businesses stall.
What it's used for
Payroll & rent
Cover fixed monthly obligations when receivables are late.
Inventory restocking
Buy stock ahead of a peak season without draining reserves.
Marketing & hiring
Fund growth spend that pays back over the following months.
Bridging cash flow gaps
Smooth the gap between paying suppliers and being paid.
Unexpected costs
Handle equipment failure or urgent repairs without disruption.
How it works
Working Capital Loan — how it works
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We assess your trading
We review your bank statements and business profile to understand real cash flow, not just a credit score.
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Receive a clear offer
You get the full cost — rate, fees and repayment schedule — before you commit to anything.
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Funds disbursed
On acceptance and signing, funds go to your business account, often within 24 hours.
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
Things to consider
- Best suited to short-term, recurring cash flow needs rather than long-term capital investment.
- A personal guarantee from a director is normally required.
- Shorter tenures mean higher monthly instalments — use the calculator to check affordability.
Questions, answered
Working Capital Loan FAQs
No. Lendify's working capital loan is unsecured, so you don't pledge property, equipment or other assets. We do normally require a personal guarantee from at least one director, which is standard practice for unsecured SME lending in Singapore.
Up to S$50,000, depending on your revenue, cash flow consistency and how long you've been trading. Most approvals sit between S$15,000 and S$40,000. Larger facilities may be considered for established businesses on request.
Most complete applications receive an indicative decision within 24 hours. Once you accept the offer and sign, funds are typically in your business account the same or next business day.
Often yes. Banks tend to decline on rigid template criteria — time in business, a thin file, or an imperfect credit record. We look at how your business actually trades day to day, so a bank decline doesn't automatically rule you out.
Yes. We offer flexible early settlement on clearly stated terms with no punitive lock-in. Contact us and we'll confirm the exact settlement figure before you commit.
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