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FREE SME Loan Assessment & Comparison Service

There are close to 20+ banks and financial institutions in Singapore providing business loans to SMEs.
Credit criteria and interest rates vary between all banks.

It is time consuming for you to search and compare all banks and SME loan products. We provide a direct comparison on all banks business loans your company might be eligible for.

Secure the funding you require to expand and scale your business to the next level.
Get a free SME loan assessment now at the best terms and lowest rates, fast and hassle free.

Compare All SME Loans
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Take 1 minute to fill up a
questionnaire and our proprietary
system will generate indicative
banks and interest rates your
company might be eligible for.



See financing options available for your
company instantly.

Typical minimum requirements to qualify for business financing:

  • Minimum annual revenue at least $200K per year
  • Operational business incorporated for at least 6 months (preferably 1 year)
  • Minimum 30% shareholdings local or PR

How We Can Help

Lower Interest Costs

Potentially save 30%-50% or close to $10K+ on interest costs. Obtain unsecured business loan at interest from as low as 3.3% p.a. simple rate.


Higher Approval Rate

Improve your approval chances. We are very familiar with the credit criteria of most banks with a solid track record of > 60% approval rate.


Faster Turnaround Time

Help your company secure financing fast! Reduce processing time by 3-5 working days.


Hassle Free Approach

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


Higher Loan Amount

Secure larger financing & higher loan
amount. Procure up to $2M or more
unsecured business 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!

Business Loan

About Linkflow Capital

Linkflow Capital Pte Ltd is a consultancy firm that assists SMEs to secure business loans from banks and financial institutions. We specialize in SME financing and through our expertise and network, we help clients secure business loans and credit facilities at favorable terms efficiently and hassle free.


We are very familiar with the documentations and information banks would request as well as various banks’ credit criteria


We have access to more than 20 banks and financial institutions with relationships cultivated over the years.

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 Pte Ltd


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 Pte Ltd


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


Do you know that most banks have a limitation on the maximum funding amount that they can grant to a company?

This maximum funding amount differs from bank to bank and also depends on your company profile (its revenue, industry, cash flow etc.).

As your company expands, bigger projects might require more financing support. Some SMEs’ subsequent applications to existing bankers might be rejected due to the maximum limits imposed.

It might be prudent to spread the risk and establish credit relationships with more banks should there be potential opportunities of growth that requires additional funding.

Tapping into our extensive network of banks and financial institutions, we are able to help connect your company to suitable banks and financing products.

The typical turnaround time for business financing 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. Thus, you may have more back-and-forth communication with the banker to get the funding application right.

If you’re in a situation where you need funds urgently, we can shorten the turnaround time typically by 1-5 days with our familiarity on the documentation and information banks require.

Imagine this scenario: You needed funds urgently. Perhaps, to finance a large-scale project.

Yet, when your funding application is disapproved, you will either have to cancel or postpone this project.

You might also lose an enormous amount of profits due to this missed opportunity.

Moreover, when your application is declined, you might not be able to submit another funding application to the same bank for the next 3-6 months!

Most SMEs’ financing applications are rejected due to many reasons, such as

  1. Approaching the wrong banks
  2. Business owner’s personal credit profile
  3. Limits to financing for existing bankers
  4. Lack of understanding on financials

What are the terms and interest rates your existing bankers are offering you?

Are you certain that they are the most competitive?

Just like how the world is rapidly changing, many banks are also coming out with more business loan products at more competitive rates.

But you aren’t in the know.

Your network isn’t extensive enough such that you can keep up-to-date with the various business loan products from all banks. Hence, losing out on the chance to save interest costs.

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

Common financing tools include:

  • term loans
  • trade financing (Letter of Credit/Trust Receipt)
  • factoring
  • receivables financing
  • asset financing
  • project based financing

How do you cut through the complexity and technical jargon to determine the most appropriate financing tool to utilize?

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

Do you know there are close to 20 banks & financial institutions (FIs) serving the SME financing segment?

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

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

Although there are close to 20 banks and financial institutions serving the SME financing segment, some of these 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.

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 approval at the best terms.

When you apply for SME financing, your personal credit record will usually be searched by the applicant banks. Too many searches by the banks will adversely impact your personal credit rating.

If your credit rating is low, your funding application might be adversely affected.

Your credit rating is tied to you, the director, and not your company.

Hence, even if you apply for funding for another company you own, your application might still be affected if your credit rating is low.

One common reason that causes your credit rating to plunge is that you apply to every bank you know. This is actually not advisable because if most of the banks you apply to reject your funding applications, your credit rating might drop.

A low credit rating will hinder your business’s future funding applications approval chances.

A SME financing specialist will be able to help identify which banks’ credit criteria are suitable for your company’s profile to maximize application approval chances.

Of course you can!

However, bear in mind that most banks would not finance newly incorporated start-ups.

Even if you have a product or service with huge growth potential, it would still be a struggle to obtain bank financing during initial phase.

Most banks lend on track record and would require at least 1-2 years of operational history.

If your company is a new start-up still in the R&D phase with no attributed revenue yet, it is advisable that you source for equity financing or venture capitalists, rather than debt financing from banks.

A competent business loan broker would be able to help new companies with at least 6-12 months of operational record seek out bank financing. But do expect limited options and smaller funding amounts for a start.

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