Straight answers on business financing in Singapore — what the schemes actually cover, what lenders assess, and what it costs to use a broker.
Sep 11, 2026
One is a capped, unsecured scheme facility for operations. The other is a term facility that can sit alongside it. Used together, the total raised can exceed the WCL cap.
Sep 11, 2026
Any broker quoting you a rate before seeing your numbers is guessing. Rates are set by the bank, per case. Here is what actually determines yours.
Sep 11, 2026
There is no single best bank — there is a best bank for your profile. Here is why we do not publish a ranking, and how the shortlist is actually chosen.
Sep 11, 2026
An unsecured working capital facility under the Enterprise Financing Scheme, capped at S$500,000 per borrower and up to 5 years' repayment. Here are the published terms.
Sep 11, 2026
A Singapore government scheme under which Enterprise Singapore shares the default risk with participating banks, so those banks can lend to SMEs they might otherwise decline.
Sep 11, 2026
A business loan broker assesses your company, structures the case, and takes it to several lenders at once. Here is what that means in practice, and what a broker is not.
Sep 11, 2026
Government-backed is not government-approved. Enterprise Singapore shares the bank's default risk; it does not guarantee your loan or decide your application.
Sep 11, 2026
A Singapore business with at least six months of active revenue in its bank statements, 30% local shareholding, and a director willing to be a personal guarantor. Here are the typical requirements in full.
Sep 11, 2026
Applying blindly to every bank is a mistake. Applying to a shortlist of suitable banks in parallel, with the case positioned for each, is not. Here is the difference.
Sep 11, 2026
A rejection from one bank is one bank's answer, not a verdict on your business. Here is how a declined case gets re-examined — and when it genuinely cannot be saved.
Sep 11, 2026
An unsecured SME facility usually requires a director to guarantee it personally. Here is what that means, who can give one, and what the bank asks for.
Sep 11, 2026
Three ways to solve a cash-flow gap, each suited to a different shape of problem. Here is how to tell which one fits yours.
Sep 11, 2026
It depends entirely on whether the broker does the work. Here is the honest case for and against using one for an SME facility.
Sep 11, 2026
There is no minimum number of years incorporated. What lenders need is roughly six months of active revenue visible in your company bank statements.
Sep 11, 2026
Cornerstone charges a one-time success fee of 3% to 7% of the financing successfully raised, payable only after the money lands. Here is how the percentage is set and when it becomes due.
Sep 11, 2026
Nobody can tell you before seeing your numbers. Here is what the scheme caps allow, what lenders actually assess, and why a percentage-of-revenue rule of thumb is misleading.
Sep 11, 2026
Roughly one week for a clean case, three weeks to two months for a complex one, plus about a week from signed documents to disbursement. These are indicative ranges, not promises.
Sep 11, 2026
You borrow a lump sum for day-to-day operations and repay it in instalments over a fixed term. Here is the mechanism, and what it is and is not for.
Sep 11, 2026
Company bank statements, financials, ACRA particulars and each guarantor's two years of NOA. Getting these together early is the single biggest thing you control.
Sep 11, 2026
Cornerstone Capital Services Pte. Ltd. (UEN 202622107K) is a Singapore business financing consultancy. It is not a bank, not a licensed moneylender, and not the similarly named American institution.