- Blk 133 Jurong Gateway Road #01-295 Singapore 600133
- info@sgpcredit.com.sg
- +6466 1157
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Get fast, flexible funding tailored to your company’s needs – with transparent terms and a simple application process.
Cash flow is the difference between a business that grows and one that simply survives. Payroll falls due before your invoices clear. A supplier offers a bulk discount you can’t pass up. A piece of equipment fails at the worst possible moment. In each case the opportunity – or the problem – doesn’t wait for a bank’s approval cycle.
That’s the gap SGP Credit fills. As a licensed business financing company in Singapore, we provide working capital to SMEs, sole proprietors and growing enterprises that need funding in days rather than weeks. We’re regulated by the Ministry of Law, which means every rate, fee and repayment term we quote is disclosed upfront and in writing before you sign anything.
Business financing generally falls into two categories. Secured loans require you to pledge collateral – property, equipment or receivables. Unsecured loans don’t, but traditionally require strong revenue history and a long banking relationship. SGP Credit sits in between: we assess your business on its actual trading performance, not just its credit score, and we can structure funding without collateral where the numbers support it.
Not sure which option fits your business? Get a free consultation →
A short online form, minimal paperwork, and a decision you don't have to chase. Most applications are reviewed the same working day.
We lend only what your business can realistically repay. We follow the letter of the law and structure terms that protect your cash flow.
Stop applying everywhere and hoping. We focus on business lending, so we know quickly whether we can help - and we tell you straight.
Approved funds disbursed rapidly, so you can act on the opportunity in front of you instead of watching it pass.
Your financial and personal data is encrypted and handled under strict confidentiality standards.
Built for SMEs, startups and F&B or retail operators who need working capital for inventory, rent, payroll or a short-term cash gap. A small business financing loan from SGP Credit is sized to your actual turnover, so repayments stay manageable during slower months.
If you trade as a sole proprietor or freelancer, your business and personal finances are often one and the same. Our personal business loans are designed for exactly that situation – funding assessed on your income and trading history, without the corporate documentation a bank would demand.
No property to pledge? Private business loans let you access funding based on business performance rather than assets. This is the fastest route to capital for service businesses, consultancies and agencies with strong receivables but a light balance sheet.
For companies waiting on a client payment, a government grant disbursement or a seasonal upswing. Short tenures, clear costs, and no penalty for settling early.
Tell us what you need the funds for and we’ll recommend the right structure.
Banks offer attractive rates – if you qualify, and if you can wait. Many Singapore SMEs don’t meet the two-to-three-year trading history requirement, or simply can’t afford a four-week approval timeline.
Choosing a business loan private finance route isn’t about settling for less – it’s about matching the funding to the urgency of the need. Among private lenders for business loans in Singapore, the critical thing is licensing. Always verify your lender appears on the Ministry of Law’s Registry of Moneylenders before sharing any documents. SGP Credit is fully licensed (Lic No. 10/2026).
Entrepreneurs can access up to S$100,000 to cover daily operating expenses, upgrades and expansion.
To qualify, your company must satisfy all of the following:
Interest rates are determined based on your business credit profile, trading performance and loan tenure. Repayment can be spread over an extended period in installments, and we’ll walk you through the full cost before you commit.
Complete the online form or apply with Singpass in minutes.
Our specialists review your business profile and contact you the same working day.
We present your loan amount, rate, tenure and total repayment in writing. Ask us anything.
Once you’re satisfied with the terms, funds are disbursed promptly.
Businesses can qualify for up to S$100,000, usable as working capital, for financial assets, or for any project your company is executing – including acquisitions and mergers.
As a business financing company in Singapore, SGP Credit determines interest rates, collateral requirements and loan tenure based on a genuine analysis of your business. We then build a tailor-fitted payment schedule so you can meet repayments while keeping healthy cash flow in the business.
Whether you’re a local or a foreigner operating a Singapore-registered company, there is likely a financing option available to you here – provided the criteria above are met.
Whatever your reason for seeking business financing, SGP Credit makes it faster and simpler.
Eligible Singapore-registered companies can borrow up to S$100,000. The final amount depends on your revenue, trading history and repayment capacity – we’ll confirm your figure after a quick assessment.
Most applications are reviewed on the same working day. Once terms are accepted and documentation is verified, disbursement typically follows quickly – far faster than a traditional bank timeline.
Search the lender’s name on the Ministry of Law’s Registry of Moneylenders. Only lenders on that list may legally offer loans in Singapore. SGP Credit holds licence number 10/2026.
Yes. Unlike banks that often require two to three years of trading history, we consider newer businesses with demonstrable revenue. Newer companies may be offered a smaller initial facility that can grow with your track record.
Yes. Sole proprietors and freelancers can apply for personal business loans assessed on personal income and trading records, without the corporate documentation a bank would require.
Yes. SGP Credit Singapore Pte Ltd is a licensed moneylender regulated by the Ministry of Law (Lic No. 10/2026). You can verify our licence on the official Registry of Moneylenders. Never borrow from a lender who isn’t listed there.
Working capital, inventory, payroll, equipment, renovation, marketing, expansion, or bridging a temporary cash-flow gap. It can also fund an acquisition or merger.
Yes. Early settlement is permitted and we’ll explain exactly how it affects your total cost during your consultation – no hidden charges.
Your ACRA business profile, recent bank statements, NRIC or passport of directors, and any supporting income documentation. We’ll tell you if anything else is needed.
Speak to a licensed specialist today and get a clear, no-obligation answer on what your business qualifies for.
For a business to qualify for any of the loan categories, it has to satisfy two requirements before any other criteria stated for the category. The business must be registered and based in Singapore; at least 30 percent of its shares must also belong to Singapore local citizen(s).
Entrepreneurs can get up to a $100,000 loan to cover their daily operations expenses and make some upgrades in the company.
To qualify, a company has to satisfy all of the following:
The interest rate on this loan will be determined by the financial institution the company will be applying through. These institutions consider different factors such as credit ratings to determine the interest rate and qualification for the loan.
Businesses are allowed to repay this loan in installments for an extended period.
Under this category, businesses can qualify for up to S$100,000 loan. The loan is expected to be used as working capital, financial assets and any project the company is executing. It can also be used to acquire a company or see a merger process through.
SGP CREDIT, a business finance loan agency in Singapore will also determine the other factors that need to be fulfilled to qualify for the loan. Interest rates, collateral, and loan term are also determined by us based on the business credit analysis. We can customize a tailor-fitted payment schedule to ensure that you will be able to see through repayments while maintaining a healthy cash flow within your business.
Whether you are a local or foreigner in Singapore, there is a business financing loan you can access for your business through us provided you fulfilled all of the required criteria.
Irrespective of your purpose for seeking a Business Financing Loan, SGP CREDIT makes the process easier and faster. Apply online today for a dedicated call back from our professional loan specialist!
The 1Q 2019 economic statistics released by the Department of Statistics Singapore show the economy looks promising, with a 5.6 percent year-on-year increase in household net worth. This would not have been possible in the absence of thriving businesses.
Just as profit is essential for the success of any business, so is the required finance for the kick-start or smooth running of the business. Accessing a business financial loan is more about knowing the right place to look rather than checking out random places.
Generally, a business financial loan can either be secured or unsecured. Secured loans will require the borrower to present some collateral as security. Unsecured loans usually have the backing of a body as security before financial institutions can lend entrepreneurs money with no request for security. There are, however, some legal moneylenders that now give loans without the demand for collateral, but the amount accessible at once by a business is limited.