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in Singapore

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FREE SME Business Loan Assessment

Do you know that:

There are various government assisted SME loan financing schemes in Singapore offered by more than 20+ banks & financial institutions?

Credit criteria and interest rate are different for all banks. It is frustrating and time consuming for you to compare every banks' SME loans.

Now, you can compare all SME loans easily in just 1 minute! Use our free online loan assessment tool to compare all SME financing facilities.

Don’t have your applications rejected. Compare across all banks for more options & maximize approval chances.

Try out our free loan assessment tool and see all

your best SME loan options instantly!

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  • Step 1

    Leave your company name & email at the bottom of this page.

  • Step 2

    Take 1 minute to provide information & our system will generate indicative banks your company might be eligible for.

  • Step 3

    See all best SME loan options available for your company instantly!

SME loan criteria requirements

Minumum annual revenue at least $200k per year

Operational business incorporated for at least 6 months (preferably 1 year)

Minumum 30 % shareholdings local or PR

What You Get

  • Lower Interest Costs

    Potentially save 30%-50% on interest costs. Obtain unsecured SME loans at interest from as low as 1.3% p.a.

  • Higher Approval Rate

    Improve your approval chances. We are familiar with the credit criteria of most banks with solid track record of > 60% approval rate for SME loan applications.

  • Secure Funding Faster

    We help your company secure financing fast! Reduce SME loan application processing time by 3-5 working days.

  • Hassle Free Approach

    Leave the tedious business loan application process to our specialists while you focus resources on your core business.

  • Higher Finance Amount

    Secure larger financing & higher loan amount. Procure up to $1M or more unsecured SME loans.

  • Risk Free Process

    No upfront fees, no fees applicable if we’re not able to secure financing for your company. Performance guarantee, pay only for results!

SME Financing Institutions

  • DBS SME loan
  • standard chartered sme loan
  • Maybank SME loan
  • RHB SME loan
  • OCBC SME loan
  • UOB SME loan
  • CIMB SME loan

For potential partners or source of funds, we welcome collaborations to bring more funding products to our platform. Kindly contact

Join hundreds of SMEs just like yours who entrusted us to help grow their business


Fast efficient response

"We are very satisfied with the service and capability of Linkflow Capital in assisting with our company’s expansion. They have provided us clear financing solutions with fast response and turnaround time.”

Mr Frankie Gwee
Tuan Yuan Pork Ribs Soup
(F&B restaurant)


Trusted advisor

"Linkflow Capital has assisted our company with trade financing, enabling a 300% revenue growth in 2 years. They are our trusted advisor and served us with efficiency and honesty over the years.”

Mr S.S. Lee
Powerzone Technologies
(Engineering and trading firm)


Sincere customer service

“Linkflow Capital has helped us identify facilities suitable for our company’s growth. The consultant is sincere, efficient and provided prompt follow up service.”

Mr Toh
WaWe Design
(Reno & ID firm)


Professional consultant

"The consultant’s service exceeded my expectations. He is professional and provided me with useful insights. I would gladly recommend Linkflow to anyone looking for a professional who knows their stuff and can deliver."

Mr Wong
Hola Pte Ltd
(Retail and e-commerce)


Flexible solutions

"Ben is a professional and exercised flexibility in our engagement. Others have approached us but we choose to stick with the consultant. He delivered beyond expectations and justified our decision."

Mr Phua
Rave International Group
(Events company)


Trustworthy and reliable

“Linkflow Capital is our long-term partner, supporting the growth of our company from the start. They are trustworthy, reliable and responsible, key qualities why they are my sole and preferred finance consultant over the years.”

Mr Kamesh
Appali Engineering Pte Ltd
(Construction company)

Linkflow Capital is a member of


Featured in


Government Assisted
SME Loan Schemes

SME Working
Capital Loan

Government financing scheme with up to S$1M for working capital.Maximum repayment period up to 5 years.Government risk sharing increased to 90% till Mar 2021. 

Enterprise Financing Scheme (EFS)

Various government finance schemes streamlined under one umbrella. Government risk sharing with participating finance institutions. Financing schemes to support various stages of business growth. 

Temporary Bridging Loan Programme

To help SMEs access working capital to deal with Covid-19’s impact. Access up to max $5M financing with interest rate capped at 5% p.a.

Trade Loan &
Loan Insurance
Scheme (LIS)

Credit insurance scheme, premiums partially supported by Government.For short term trade finance needs such as inventory/stock financing.

Free Loan Assessment

Enter your business name & email below to see all your best SME loan options instantly!

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SME Loan Singapore FAQs

The maximum small business loan funding amount differs among various banks and also depends on your company credit profile (revenue size, industry, cash flow position etc.).

Most banks’ maximum financing amount granted to SMEs range between $300K to $500K. However, it is exceedingly hard to secure the maximum amount unless the company has close to perfect credit profile.

If your main bank is not able to meet your requested financing amount, you can also apply across other banks concurrently to maximize the financing amount you’re targeting.

The typical turnaround time for SME loan applications is 2 to 4 weeks.

The turnaround time takes this long because

  1. You may not be familiar with the documents required and the application process.
  2. You may have more back-and-forth communication with the banker to get the financing application right.

If you managed to secure approval after the loan application review, you’ll have to wait for about another 1 week for funds to be disbursed. So from application to receiving funds, expect a turnaround time of between 3 to 5 weeks.

For those who can’t afford to wait, alternative financiers such as P2P crowdfunding platforms is another viable option as they typically process applications faster, within 1 week is the norm. However, be prepared to pay for higher interest rate or fees compared to bank options.

Most SME loan applications can be rejected due to multiple reasons, such as

  1. Approaching the wrong banks
  2. Business owner’s personal credit profile
  3. Limits to financing for existing bankers
  4. Weak cash flow

Imagine this scenario: You require funds urgently. Perhaps, to confirm bidding for a tender or seize opportunity for a big project .

Yet, when your SME loan application is declined, you will either have to cancel or postpone this project. Your company’s expansion plan might be stalled due to the missed opportunity.

Moreover, when your application is declined, you might not be able to submit another application to the same bank for the next 6-12 months!

It is critical that you identify the right bank to seek financing with and to be able to address the bank’s credit concerns and queries adequately, to minimize rejections.

There are more than 20+ banks and financial institution providing SME loans. Their interest rate are different and varies according to factors such as credit grading of applicant and the loan quantum.

SME loan interest rate ranges between 3.6% to 7% simple rate p.a. (EIR 7%-13%). It is also prudent to compare widely through multiple banks to suss out the best financing deal.

Do note that the lowest rates quote that you receive might not necessarily mean it’s the best financing offer for your business. Check with the banks on their processing fees, annual fees if any and any other fee charges that could effectively increase your cost of borrowing.

Alternatively, consider engaging a loan broker to help comb through the various banks business loan products to find the lowest rates for your company.

There are various working capital loan products available to meet the different requirements of SMEs

Common SME loan facilities include:

  • Unsecured business term loans
  • Trade financing (Letter of Credit/Trust Receipt)
  • Factoring
  • Receivables financing
  • Asset financing
  • Project based financing
  • SME Micro Loan
  • SME Working Capital loan

How do you cut through the complexity and technical jargon to determine the most appropriate working capital loan to utilize?

Through our expertise and experience in securing SME finance, we describe to you the various financing products in basic terms and explain how you can best utilize them for your business.

There are close to 20 banks & financial institutions (FIs) providing small business loan to SMEs.

There is no definite answer to this because different banks have varying credit criteria and risk appetite.

Do you know that some banks shun certain industries whereas other banks might welcome these same industries?

However, most SMEs are not aware which banks are suitable for their respective profile and could waste precious time speaking with banks that are not the right fit.

Aside from traditional mainstream banks, there are also multiple alternative financiers offering various financing options to SMEs.

Assisting SMEs with business financing remains our core business.

Due to our familiarity with the credit criteria of the various banks, we can help identify the most suitable banks for your company’s profile to ensure highest chances of commercial loan approval at the best terms.

If your personal credit rating is bad, your commercial loan application might be adversely affected.

When you apply for a SME loan in Singapore, your personal credit record will usually be assessed by the relevant banks. Your personal credit record will thus affect your company loan approval chances as well.

It is absolutely critical as a business owner to keep your personal credit score acceptable. Any negative impairments on your personal credit will adversely affect your business loan applications, making it next to impossible to obtain any form of business financing.

Therefore, always be conscious to protect your personal credit grading by paying all your personal credit cards, home loan, car loan etc on time. Settle any overdue payments promptly and be cautious not to over-extend your personal credit at all times.

Yes you can but options are very limited for new start ups. Most banks do not provide start up business loan for newly registered companies.

Most banks lend on track record and would require applicant company to have at least 1 to 2 years of operational business history before considering extending financing.

If your business is operational and at least 6 months old, a competent SME loan broker might still be able to help you secure business financing.

However, expect very limited financing options for a start for very young companies and also smaller financing quantum. If you manage to secure any form of business loans, ensure prompt subsequent repayments to build up a good credit record for your company.

As your business matures and coupled with a good credit record, it’ll be easier to source for financing in future from more banks, with more options.

What is the SME loan interest rate?

The SME loan interest rate ranges between 3% to 5% p.a. effective interest rate. Different banks have different rate and rates are subject to respective banks’ credit discretion.

Do I need to engage a SME loan broker?

Engaging a business loan consultant is optional. If you’re not familiar with banks’ credit criteria, a competent broker might help improve approval chances and negotiate better terms.

How to apply for a SME loan?

Businesses can apply SME loans from a myriad of banks, financial institutions or alternative lenders. There are about 20+ SME financiers and many more financing products to choose from.

Is there startup SME loan available for new business and company?

There are very limited financing options for new startups. Most banks prefer financing companies with minimum 1 to 2 years of operational history.

What government assisted financing schemes and loans can SMEs apply for?

SMEs can apply for the Temporary Bridging Loan or SME Working Capital Loan  via the respective participating financial institutions.

What is the SME loan eligibility criteria and requirement to qualify for financing?

Every bank have different credit criteria. Generally, most banks require company to have minimum 30% local shareholdings, at least 1 to 2 years old, and revenue of $200K minimally.

About Linkflow Capital

Linkflow Capital Pte Ltd is a Singapore consultancy firm that assists SMEs to secure business loans from banks and financial institutions. Incorporated since 2012, we specialize in SME finance and through our expertise and extensive network, we help clients secure funding with low interest rates efficiently and hassle free.

  • Expertise

    We are familiar with the documentations and information banks will require as well as various banks’ business loan credit criteria.

  • Network

    We have access to more than 20 banks and financial institutions offering SME loans in Singapore, with relationships cultivated over the years.