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At Unilink Credit, we understand that access to working capital is important in keeping your operations on track and supporting your next stage of growth. Our business financing solutions in Singapore are designed for established companies seeking funding for needs such as expansion, equipment, inventory or project costs. With flexible loan terms, competitive interest rates and repayment options tailored to your circumstances, we help you explore a practical financing arrangement that fits your business.
A business loan provides your company with funding for specific commercial needs, such as purchasing equipment, managing inventory, covering project costs or supporting expansion. You repay the amount over an agreed tenure, together with the applicable interest and fees.
We provide a variety of business loan solutions, each tailored to meet different financing requirements.
Business Term Loans
Equipment & Asset Financing
Invoice & Trade Financing
Small Business Loans (SME)
Small Business Loans (SME)
Our fast business loan services in Singapore are built around transparency, regulatory compliance and a straightforward application process. We make sure you understand the loan terms, applicable charges and repayment commitments before you proceed.
We prioritise quick assessments and approvals to support urgent financing needs.
Repayment structures and loan amounts are tailored to match different company profiles.
From SMEs to larger corporations, our loan solutions address diverse business requirements.
Your interest rate, fees, repayment tenure and monthly instalments are set out clearly, with no hidden charges.
All loans are provided within Singapore’s regulatory framework, giving you a clear and accountable borrowing process.
We keep the application steps simple and guide you through the information needed for the assessment.
When a private limited company applies for a corporate credit facility in its own name, the pricing is generally assessed on commercial terms. In our experience, clients often expect the rate to be based only on the amount borrowed, but lenders usually consider several parts of the company’s financial position.
These may include:
For example, a company seeking equipment finance may be assessed differently from one applying for funding to support inventory purchases or an expansion project. Reviewing these details allows us to propose loan terms that reflect your company’s circumstances and repayment capacity.
We also speak with business owners who are unsure whether borrowing under a sole proprietorship is treated in the same way as borrowing through a private limited company.
A sole proprietorship is not legally separate from its owner. This means you are borrowing as an individual, even when the funds are intended for business purposes. The interest and fee limits that apply to individual borrowers may therefore apply to your loan.
The Registry of Moneylenders currently states that licensed moneylenders may charge individual borrowers a maximum interest rate of 4% per month for small business loans, subject to the applicable laws and regulations.
Another common concern we hear is whether additional charges may appear after the loan has been accepted. Before you sign, the loan agreement should clearly state the interest rate and all applicable fees.
You should be able to review details such as:
At Unilink Credit, we take you through the proposed terms before you commit to the facility. This allows you to understand the costs, ask questions and consider whether the repayment arrangement is suitable for your company. All applicable charges will be stated in the loan agreement, with no hidden fees.
If you borrow as a sole proprietor, a licensed moneylender may charge up to 4% interest per month. For a private limited company borrowing in its own name, the rate is priced on commercial terms and will depend on factors such as your revenue, repayment capacity, tenure and whether security is provided.
One of the first questions our clients usually ask is what rate they can expect. The answer largely depends on whether you are borrowing as an individual or through an incorporated company, as different rules and pricing considerations apply.
Applying for a business loan is straightforward when you meet a few basic requirements. Here’s what we look for:
Your company must be registered with the Accounting and Corporate Regulatory Authority (ACRA) in Singapore.
We generally require a minimum operating period to assess your track record and performance.
Proof of steady cash flow helps us tailor a loan package that suits your repayment capacity.
Depending on your business type and circumstances, we may also review your industry, existing liabilities, and business plans before approval.
Clear and transparent loan terms with no hidden charges, so borrowers can make informed decisions with confidence.
Loans are provided in accordance with Singapore’s regulatory requirements for licensed moneylenders.
A simple and straightforward application process designed to make applying for a business loan quick and efficient.
Trusted & Transparent Lending
We provide clear loan terms with no hidden charges.
Regulated by the Ministry of Law
All loans are provided under Singapore’s regulatory framework.
Fast and Hassle-Free Application
Applications are simple, and approvals are designed to be efficient.
Our fast business loan services in Singapore are built on transparency and compliance, ensuring borrowers receive fair and regulated support.
Our application process is quick, transparent, and designed to get you the funding you need without unnecessary delays.
Below are some of the most common questions we get from clients looking for a fast business loan in Singapore.
Once you have submitted the required documents, our team will review your company’s financial position, funding purpose and repayment capacity. We will then explain the available loan terms and guide you through the next steps before any funds are disbursed.
We support established companies across industries such as construction, logistics, retail, manufacturing, food and beverage and professional services. Depending on your needs, the financing may be used for working capital, equipment, inventory, vehicles, fit-out costs, projects or expansion. For smaller enterprises seeking a dedicated loan for SME in Singapore, explore our SME financing page.
The application should be submitted by a company director or an authorised representative who can provide the relevant business and identification documents. For owners looking specifically for a small business loan in Singapore, our SME financing page explains the application requirements in more detail.
There is no published maximum for a corporate facility. The amount available depends on your company’s revenue, trading history, existing commitments, repayment capacity and whether security is provided. According to the Registry of Moneylenders, secured loans are not subject to a prescribed borrowing limit, although approval still depends on assessment. If you borrow in your personal name, income-based unsecured borrowing limits may apply across all licensed moneylenders.
Contact us to find out what amount may be available for your business.
You will generally need to provide your company’s ACRA business profile, recent bank statements, financial records showing revenue and cash flow, and identification documents for the director or authorised representative. Depending on the facility, we may also request details about existing obligations, the intended use of the funds or any assets offered as security.
Possibly. We assess each application based on factors such as your company’s current revenue, cash flow, existing financial commitments, repayment capacity and the purpose of the facility. Where relevant, we may also consider whether assets or another form of security are available.
Cash flow is essential to keep your business running smoothly, whether it’s for daily operations or future growth. At Unilink Credit, we offer business loans in Singapore with a thorough approval process and competitive interest rates.
Unlike traditional bank loans, our application is simple, flexible, and fuss-free. We’re here to help you overcome cash flow challenges or fund your next phase of expansion.
Need access to working capital? Call us at 6338 0690 today.
We pride in being one of the most trusted Money Lender in Singapore, and we invite you to call us for any unique loan request in the city. Our business is duly licensed and the services we offer are all regulated by the Registry of Moneylenders.
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