There is no single timeline. For a clean and straightforward case, financing can potentially be completed in around one week or more. For more complex cases, expect roughly three weeks to two months. Once financing is approved and all documentation is signed, disbursement typically takes around another week. These are realistic indicative timeframes, not guaranteed turnaround times.
Typical guide
- Straightforward case: around 1 week or more
- More complex case: around 3 weeks to 2 months
- After approval and completed documentation: around 1 week to disbursement
What makes a case fast
Healthy revenue, strong margins, good account balances and nothing that requires mitigation. Documents provided quickly and in full. A funding requirement that matches an obvious facility. When all of that lines up, the main variable left is the lender’s own processing time.
What makes a case slow
- Weaker financial indicators that need addressing before submission
- Specific credit concerns that need mitigating
- Multiple rounds of questions from bankers
- Having to consider alternative financing routes when the first one closes
- Documents that arrive slowly, or arrive incomplete
The last one is the only part fully inside your control, and it is the most common cause of delay we see. Getting your documents together early is the single best thing you can do to shorten the process.
Why nobody should promise you a date
The actual timeline depends on your financials, your funding requirement, your documentation, the lender and the complexity of the case. Any of those can move it. Treat a firm date from anyone who has not yet seen your numbers as a sales figure rather than a forecast.
Talk to us about your case
Every business is different, and the only honest way to answer “can we get this funded” is to look at your numbers. Send us your company name, roughly how much you need and what it is for, and we will tell you whether there is a case worth building. Speak to us, or read how it works.
Cornerstone Capital Services Pte. Ltd. (UEN 202622107K) is a business financing consultancy and is not a bank or a licensed moneylender. Loan approval, final quantum, tenure and interest rates are determined solely by the participating financial institutions and are subject to their credit assessment. Scheme figures shown are published by Enterprise Singapore and may change.
