From refinancing and bridging loans to commercial property loans, learn how we can help finance your real estate needs.

Refinancing Loan

Our competitive refinancing package helps you optimise your loan if you are currently paying more than the market interest rate or have passed the lock-in period with your current bank.

Enjoy the best rates with our extensive network of local and foreign banks.

Bridging Loan

Purchase your dream home with our bridging loan. With our bridging loan, you can fund your down payment for your new home while waiting for the sales proceeds from your existing property.

Enjoy a repayment period of up to 6 months

Renovation Loan

Give you home a makeover with our attractive renovation loan of up to 6 times your monthly income or S$30,000, whichever is lower. Enjoy a repayment period of up to 5 years and insurance protection on your outstanding renovation loan in the event of death or total permanent disability.

Commercial Property Loan

Finance your new commercial property or office space with our fixed or floating rate loan packages.

Enjoy financing quantum of up to 80% of the purchase price or valuation, whichever is lower with a loan tenure of up to 25 years. Leverage on our strategic partnerships and minimise your cost with exclusive legal and valuation subsidy privileges.

From vehicle to machinery financing, optimise your cash flow and acquire your machinery equipment with our attractive interest rates loans with flexible repayment period.

Machinery Financing:

Ease your business cash flow with Hire Purchase Financing. Under Hire Purchase, you are the hirer and banks will acquire and retain legal ownership of the financed asset. Upon full payment of the loan instalments, the ownership of the financed asset will be transferred to you.

Vessel Financing:

Expand your fleet with our Specialist Financing for vessels, you can buy an existing vessel or opt for a new build. Enjoy vessel financing for up to 10 years repayment at an attractive loan quantum of 80% of the purchase price.

Vehicle Financing:

We provide hire purchase financing for private and commercial vehicles with loan periods of up to 10 years. Get financing for both new and used cars as well as private and commercial vehicles with the best rates.

From overdrafts to short-term loans and sales orders loans, discover how we can help with fund your company’s daily operations.

Secured or Unsecured Loans:

Our secured working capital loan is one that is backed by an asset or personal guarantee from a lender. The asset can be a house, factory or inventory and can be fully paid up assets with existing mortgages or loans.

Our unsecured working capital loans are offered to borrowers that are low or no risk.

Overdraft/Line of Credit:

We provide businesses with overdrafts and lines of credit that are flexible and simple to operate. In addition, you only pay interest on the amount you have overdrawn.

Short Term Loans:

We provide short term loans of a fixed repayment period that is usually 12 months with a fixed interest rate. Depending on our assessment, your company may qualify for the loan without collateral needed.

Sales Orders / Accounts Receivable:

We provide working capital loans to help companies fulfil sizeable order of goods based on confirmed sales orders or accounts receivable. The amount of money loaned is based on the value of your contract, order or accounts.

From trade facilities loans to trust receipts and lines of credit, discover how we can help with fund your company’s daily operations.

Trade Facilities Loan

We provide trade-related working capital loans from S$100,000 to S$10 million. Our Express Trade Facilities is an innovating one-stop trade financial solution for SMEs and Public Listed Companies.

Letter of Credit (LC)

We help provide LC arrangements to companies looking to obtain goods from a supplier. Importers and exporters who have established long-term trading relationships may use the LC as a guarantee to cover payment defaults.

Trust Receipt (TR)

We help provide TR arrangements for companies in the trading business looking to make payment for goods.

How it works:

Import Financing is provided by the bank to the buyer to enable him to make payment for the goods purchased.  The bank has possession of the title of the goods.  A Letter of Credit (LC) is converted into a Trust Receipt (TR) upon payment by the bank to the supplier.  Banks are able to offer up to 150 days for the TR to mature.  When the TR matures, payment will have to be made to the bank for the value of the Letter of Credit issued.

From business installment loans to equity and invoice loans, discover how we can help with your company’s growth.

Business Installment Loan

Loan any amount between S$100,000 to S$5 million, with easy repayment of up to 5 years.

Zero collateral needed with low-interest rates and fast approval. Cash will be directly credited into your business bank account once your loan is approved.

Business Overdraft

We provide your business with an overdraft facility with up to S$500,000 revolving credit for your working capital.

Enjoy totally unsecured overdraft facilities whereby you pay interest only when you use it. No collateral is needed.

Fixed-Term Business Loan

Finance your working capital and purchases with any loan amount between S$100,000 to S$5 million with a maturity of more than 1 year.

Our term financing ranges from 1 to 5 years.

Invoice Loan

Secure your cash flow instead of waiting for 60-90 days with our unsecured invoice factoring loan.

Zero collateral needed and the loan will not be shown on a company’s balance sheet.

Equity Loan

Our equity loan is a secured loan by property (both private and commercial) already owned outright.

Our loan periods can stretch up to 10 to 20 years with a low-interest rate from 1% per annum onwards.