SME Financing Consultant

Cash Flow shouldn't be the reason your business waits.

One application. We compare working capital loans, term loans, trade financing, and property-backed facilities across our lender network — so you see real options, not just the first offer.

Check Your Eligibility See financing types
Indicative Loan
Assessment
Eligibility Check Eligible
Indicative Financing Quantum S$100K to S$500K
Indicative Interest Rate 7% to 11% p.a.
Suitable Lenders Unlock full match
Bank AWorking Capital · 6.8% p.a.
Bank BTerm Loan · 7.5% p.a.
Bank CSME Micro Loan · 8.2% p.a.
ACRA REGISTERED BROKERAGE MULTI-LENDER COMPARISON SINGAPORE SME FOCUSED NO OBLIGATION APPLICATION
Financing Solutions for SMEs

Four ways to fund what's next

Every SME's cash flow problem looks a little different. We match your situation to the financing structure — and the lender — that actually fits it.

01
Enterprise Financing Scheme

Working Capital Loans

Cover payroll, restock inventory, or bridge the gap between invoicing and getting paid — without giving up equity or waiting on a single bank's decision.

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02
Up to S$500,000 with interest rates from 7% to 11% p.a. 1–5 year Loan Tenure

Business Term Loans

A lump sum with fixed repayments for expansion, hiring, renovation, or refinancing existing higher-cost debt — sized to your growth plan, not a generic bracket.

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03
Unlock liquidity from your receivables. Receive cash payments of up to 90% of the invoice value

Trade & Receivables Financing

Unlock 70–90% of an unpaid invoice's value upfront instead of waiting 30–90 days on customer payment terms. Financing tied to sales, not fixed collateral.

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04
Lower finance cost by offering your property as a collateral

Equity Term Loans

Borrow against equity in commercial or residential property for larger quantums and longer tenures than unsecured facilities allow. We walk through the terms in full before you commit.

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Process

From application to Funding, without the legwork

01 / SHARE

Tell us your situation

A short form covering your financing need, business profile, and timeline. Five minutes, no commitment.

02 / MATCH

We compare lenders

We shortlist licensed lenders whose appetite actually fits your industry, stage, and loan size.

03 / COMPARE

Review real offers

See rates, quantum, and terms side by side — not a single take-it-or-leave-it quote.

04 / FUND

We handle the paperwork

Once you choose, we coordinate documentation with the lender through to disbursement.

Why engage us?

Why business owners use Reliance Advisors instead of applying direct

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One application, multiple offers

Apply once and see terms across several licensed lenders, instead of restarting the process — and re-triggering credit checks — with each one.

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We know current lender appetite

Lender risk appetite shifts by industry and season. We track who's actively approving right now, so you're not applying blind.

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No cost to compare

Checking your eligibility and comparing offers is free. You only proceed if a structure actually works for your business.

Our methodology

The First Mover Framework

A structured, advisory-led approach built for owners who plan ahead — sourcing the right capital before cash flow forces the decision.

STEP 01

Get to Know Your Business

We review your business profile in full and organise all required documents, eliminating repetitive back-and-forth requests from lenders.

STEP 02

Finding the Right Fit

We determine your realistic borrowing capacity and select the right loan type and lender from our panel based on your financials.

STEP 03

Building and Submitting Your Application

We prepare a comprehensive company profile that pre-empts lender queries and gives your application the strongest possible footing from the start.

STEP 04

Follow-Through to Disbursement

We manage the process end-to-end after submission, so funds are ready when you need them — not chased down when you're under pressure.

Testimonials

Trusted by business owners across Singapore

Real results from Singapore SME owners who planned their financing on their own terms.

"I knew I wanted to grow but had no clear path. Working with the team gave me clarity, structure and the confidence to take bold steps forward."

Mr Vincent
Mr VincentPrinting Services

"I had no idea how funding worked or who to trust. The team guided me through the entire process — what was possible, what was realistic, and how to secure it."

Elson
ElsonF&B Operator

"I wanted to expand my salon to a second outlet and applied for financing with a few banks. However all my applications were not successful. I saw Kenny's ads and reached out to him. Within 2 weeks, he got me the capital I needed and now I can make plans to expand my business."

Mr Titus
Mr TitusHairdressing Salon

"Getting financing for businesses offering transport services isn't something every lender understands. Thanks to Kenny, he got me the funds I needed to tide me through a cash crunch due to surging fuel prices."

Ms Vidya
Ms VidyaTransport Services

"Tight on cash and unsure where to turn, I reached out for help. They secured a bank facility that immediately eased my cash flow."

Ms Yap
Ms YapManufacturing Services

"After multiple bank rejections I was ready to give up. They refused to quit — handled every submission and follow-up — and secured two approvals."

Ms Eileen
Ms EileenUsed Car Dealer
FAQ

Common questions about SME financing

How does business funding work?

Business funding involves securing capital from financial institutions through structured loan products. Reliance Advisors manages the entire process on your behalf, from eligibility assessment and document preparation through to lender selection and application submission.

How much can I borrow for a small business?

Loan quantum depends on your business revenue, operational history, and credit profile. We conduct a thorough pre-assessment to identify the realistic borrowing range your business qualifies for across our panel of lenders.

How do I qualify for an SME loan?

Qualification is assessed across multiple factors, including operational tenure, annual revenue, bank transaction history, and the personal credit standing of directors. We conduct a full eligibility review before any submission is made to maximise your approval prospects.

Which entities qualify for business financing?

Your business must be Singapore-registered with a minimum of 30% local shareholding held by Singaporeans or PRs. Upon approval, directors holding at least 50% shareholding will be required to provide a Personal Guarantee. Operational history and annual revenue thresholds will also be assessed.

What documents are required for a business loan?

Core requirements include the latest six months of business bank statements, the last four quarters of GST F5 returns (if GST-registered), two years of financial statements, directors' NRICs, and their last two years' Notices of Assessment. Additional documents may be requested depending on the specific product and financier.

Ready to see what you qualify for?

Tell us your financing need — we'll come back with real options, not a sales call.

Check Your Eligibility