SME Financing

For businesses looking to purchase/refinance an office, shop, factory, or residential property, our Commercial/Residential Property Loan provides SME business financing that can help. We are also able to work with you to leverage on your existing properties, and to structure repayment schemes according to your business requirements, be it a Term Loan with specific tenure every month, or interest-only repayment under a Revolving Loan structure.

Designed for boutique developers, our Land & Construction Loan provides funding for your land purchase, Land Betterment Charge, and construction costs. Our loan product allows you to better manage your cashflow as funding and repayment are tied to your development progress until you achieve Temporary Occupation Permit (TOP).

Our Machinery/Vehicle Loan provides SME financing to purchase new or used equipment and vehicles, and also for working capital purposes if you have unencumbered equipment. We are able to structure the repayment according to the useful life of the equipment and your business requirements.

Our Debenture Loan lets you unlock working capital by securing financing against unencumbered machinery, equipment, vessels, or fixed assets you already own.

We offer two SME financing products built around the specific cashflow cycle of motor dealerships.

Block Discounting Financing gives dealers the working capital to extend hire purchase or financing arrangements to customers, with automatic funds transfer and a consolidated repayment schedule to ease your operations.

Floor Stock Financing is a short-term revolving facility that funds inventory acquisition without having to pay for the full cost upfront. By paying only interest on your unsold inventories, dealers can optimise their cashflow while managing their stock turnover.

For businesses that need flexible SME financing without pledging collateral, our Unsecured Business Loan is available as a term, revolving, or non-revolving facility, with options for interest-only servicing or full installment repayment. It can be used for expansion, covering a cashflow shortfall, or general working capital purposes.

Rather than waiting for payment on your goods and services delivered, businesses can get payment advancement by leveraging on their Trade Receivables and unpaid Invoices. Our SME financing, through Accounts Receivables Financing and Invoice Factoring, allows you to better manage your cashflow by unlocking additional working capital and only paying for what is utilised.

We offer SME financing for maritime businesses looking to finance their fleet. Our Shipping Loan is designed to finance vessels of all sizes, ranging from tugboats and barges to leisure yachts, with flexible repayment structure tailored to your business requirements and vessel profile.

SingFinance is a participating financial institution under the Enterprise Singapore Enterprise Financing Scheme (EFS). Qualifying Singapore SMEs can access government-supported business financing granted under the specific schemes SingFinance participates in.

Our Share Loan lets you unlock the value of your SGX listed shares for working capital, with financing of up to 60% of your shares value and interest charged only on the amount utilised.

We are able to provide various forms of guarantees for your business, such as Performance Guarantee and Security Deposit. We are also a participating financial institution under eGuarantee@Gov for your contractual or licensing obligations to government agencies.

SIF BIZ is SingFinance's digital banking solution for businesses, available as a mobile app and on desktop via SIF BIZ Online. Once your SME financing facility is in place, you can manage your accounts, view transaction history, place fixed deposits, make loan payments and redemptions, and perform FAST transfers to handle all types of digital financing activities from your device.