- Mon - Sat : 10am to 7pm (Sun & Public holidays - Appointment Only)
- 35 Selegie Road #10-27 Parklane Shopping Mall Singapore 188307
Whether you run a hawker stall as a sole proprietor or operate a growing Pte Ltd company, we’re the team Singapore business owners turn to for a fast business loan singapore banks often can’t move quickly enough to offer. That includes a small business loan singapore sole proprietors qualify for, a loan for sme singapore companies can access without heavy collateral, and small business loans sized to your actual cash flow ; all from a licensed moneylender regulated by the Ministry of Law, with funds disbursed quickly once your application is assessed.
If your business is on this list, you already know the kind of cash flow pressure we are talking about.
Ingredients, rent, staff wages, and equipment maintenance do not pause between your busy and slow weeks. F&B operators are among the most cash flow-sensitive businesses in Singapore, running on tight margins with fixed costs that do not move even when revenue does. Whether you run a hawker stall, a café, a catering operation, or a small restaurant, our working capital loans are structured around the reality of how F&B businesses actually operate.
Inventory has to be bought before it can be sold. For retail shop owners and online sellers managing stock across platforms like Shopee and Lazada, the capital gap between purchasing stock and receiving payment is a recurring pressure point. Our small business loans help retailers cover restocking costs ahead of peak periods, Chinese New Year, Hari Raya, the year-end sale season, without drawing down on the reserves needed to keep the rest of the business running.
Project-based businesses like interior designers live on uneven income. A renovation contractor or a licensed electrical or plumbing firm may have three jobs lined up but zero cash coming in until the previous project settles. Our loans help trade businesses cover materials, subcontractor costs, and payroll between project milestones so operations continue without interruption while you wait on client payments.
Vehicles break down. Fuel costs spike. A second delivery van can double your capacity but requires capital you may not have sitting idle. Logistics and transport operators in Singapore face high fixed operating costs with income that fluctuates based on client volumes and delivery cycles. We work with transport businesses to structure loans around their operational realities, whether that is asset financing for a new vehicle or a working capital loan to bridge a slow month.
A registered sole proprietor running a cleaning business, a tuition centre owner, a freelance designer who has incorporated, or a beauty and wellness operator managing a small team; these are businesses that banks often overlook entirely. If your business is service-based and your income does not come with a fixed monthly salary attached to it, we can still work with you. Speak to our loan officers directly and we will assess your situation based on what your business actually looks like.
Enrichment centres, tuition businesses, and private educators face a specific cash flow pattern: enrolment revenue comes in term by term while operating costs, rental, staff salaries, and materials, are ongoing. Our small business loans help education business owners bridge that gap and cover the costs of expanding to a new location or adding capacity ahead of a new enrolment cycle.
We structure our business financing around two common paths: sole proprietors and small businesses building working capital, and incorporated (Pte Ltd) companies scaling with larger, structured facilities. Find the loan type that matches your business structure below.
You have registered your business with ACRA, you have a plan, and you need capital to get moving.
Our startup and micro loans are designed for newly incorporated businesses and micro-enterprises that need a manageable loan amount to cover early costs; whether that is your first batch of inventory, a security deposit on a shop unit, or equipment to get operations off the ground. You do not need years of financials to apply. We assess where you are now, not just where you have been.
Our startup financing and microloan options help new companies cover early costs such as inventory, equipment, deposits and working capital, based on your business plan and available financial information.
Your business is running, but this month is tight. A client paid late, a supplier invoice is due, and payroll is in two weeks. Working capital shortfalls are the single most common financial pressure that Singapore SME owners face, and they rarely announce themselves in advance.
Our working capital loans give you fast access to the funds you need to keep operations steady; covering payroll, supplier payments, rent, restocking, and day-to-day overhead without disrupting your business rhythm.
Whether you’re a sole proprietor buying your first delivery bike or a growing team investing in new equipment, this facility covers vehicles, machinery and other business assets; with repayment terms structured around your cash flow rather than a fixed bank schedule.
A second outlet. A bigger workshop. A contract larger than anything you have taken on before. Growth opportunities for small businesses in Singapore often come suddenly and do not wait for bank approval timelines.
Our business expansion loans are structured for SME owners ready to take the next step, with capital available quickly so you do not lose the opportunity to a competitor who moved faster.
If your business is registered as a Pte Ltd company, we also offer facilities sized and priced for incorporated entities.
A lump-sum facility for incorporated businesses that need a defined amount for a specific purpose ; restocking inventory ahead of a busy season, funding a new outlet, or covering a one-off capital expense ; repaid over a fixed term with a clear repayment schedule set out before you sign.
For companies waiting on client payment terms or financing a trade cycle, we advance funds against outstanding invoices or confirmed purchase orders, so cash tied up in receivables doesn’t stall your next order.
Bank financing often relies on established revenue, longer trading histories and stronger credit profiles, which can make access more difficult for startups, micro-enterprises and younger SMEs.
As a licensed moneylender regulated by the Registry of Moneylenders under the Ministry of Law, Unilink Credit offers an alternative financing route with application criteria designed around the circumstances of smaller businesses.
We assess most applications within one business day and disburse approved funds shortly after, so a genuine cash flow gap or time-sensitive opportunity doesn’t stall waiting on paperwork.
Loan amounts and repayment terms are sized to your business ; from smaller working-capital top-ups for a sole proprietorship to larger, longer-tenure facilities for an incorporated company.
Most small businesses in Singapore do not own commercial property or significant fixed assets to pledge as collateral. That is the reality for the majority of micro-SMEs and service-based businesses operating here. Our unsecured small business loan options mean you are not locked out of funding because you cannot put up a property. A personal guarantee from the business director is typically required, which is standard practice for unsecured SME lending in Singapore.
We are a licensed moneylender (Licence No. 143/2024) regulated by the Ministry of Law under the Moneylenders Act. Every fee, interest rate and repayment term is disclosed in writing before you sign ; never buried in fine print.
Newer businesses, sole proprietorships and smaller SMEs that a bank may consider too new or too small are exactly who we assess case by case, rather than screening out by a fixed minimum revenue or years-in-operation rule alone. If what you actually need is personal financing rather than business financing, our personal loan may be the better fit.
Loans to incorporated companies are priced commercially and assessed on your business’s financials, rather than capped under the Moneylenders Act’s individual-borrower limits. We still disclose the full interest rate, all fees, and the repayment schedule in writing before you sign ; nothing is added after the fact.
Before you sign, we set out the loan amount, interest rate, all fees, the repayment schedule, and what happens if a payment is late ; for both sole-proprietor and Pte Ltd applications, in writing, with no verbal-only terms.
As a sole proprietor or small business owner, your loan is subject to the Moneylenders Act caps that apply to individual borrowers: interest capped at 4% per month, late interest capped at a further 4% per month, a late fee capped at $60 per month, and an upfront administrative fee capped at 10% of your principal. Total charges ; interest, late interest and fees combined ; can never exceed the amount you borrowed.
Small business owners under financial pressure are disproportionately targeted by loan scams in Singapore. When you are cash-strapped and need funds quickly, the offers that appear in WhatsApp messages, unsolicited SMS, and social media ads can look convincing, especially when they promise fast approval with no questions asked. Knowing how to tell the difference between a legitimate licensed moneylender and an unlicensed operator is one of the most important things you can do to protect your business.
Unilink Credit is licensed by the Registry of Moneylenders under the Ministry of Law in Singapore. Licensed moneylenders are legally permitted to advertise only on their own websites, at their registered office premises, and in approved consumer directories. They cannot solicit loans via WhatsApp, SMS, social media, or cold calls. If you receive an unsolicited loan offer through any of these channels, it is not from a licensed moneylender regardless of what the message claims.
Under the Moneylenders Act, all licensed moneylenders in Singapore must provide you with a written loan contract before disbursement, explain all terms clearly before you sign, charge only within the regulated interest and fee caps, and never request any upfront payment before your loan is approved. If a lender asks you to pay anything before your loan is disbursed, that is a scam. You can verify any moneylender’s licence status at any time through the official Registry of Moneylenders maintained by the Ministry of Law.
Our application requirements are designed for registered businesses in Singapore, including startups, micro-enterprises, sole proprietors and established SMEs. We review your business profile, available financial records, funding purpose and repayment capacity. For broader corporate funding needs, you can also explore our business loan options in Singapore.
Your business must be registered with the Accounting and Corporate Regulatory Authority (ACRA) as a legal business entity in Singapore. This includes sole proprietorships, partnerships, and private limited companies. If you are a sole proprietor operating under your own name or a registered business name, you are eligible to apply.
We look at your business’s actual cash flow pattern, not just a flat monthly average ; seasonal or irregular revenue (common for F&B, events and trade businesses) is taken into account rather than treated as a red flag.
We generally look for a minimum operating period of six months to one year. This gives us enough context to understand your business and structure a loan that fits your repayment capacity. If your business is newer than six months, do not assume the answer is no; speak to our loan officers directly and we will advise based on your specific situation.
We ask for a lighter set of documents than most banks: typically your ACRA business profile, recent bank statements, and NRIC ; assessed alongside a required face-to-face verification at our office (a licence condition, not an optional step). We don’t offer a fully document-free business loan, but we do keep the paperwork to what’s genuinely needed for a fair assessment.
Common questions from Singapore Business and SME owners about how our loans work, who qualifies, and what to expect.
Yes, and it is far more common than most business owners expect before they look into it. Many Singapore SME owners use licensed moneylender business loans as a deliberate financing tool; not out of desperation, but because it is faster, more accessible, and better suited to the scale of a small business than a bank loan.
The perception that borrowing from a licensed moneylender signals financial trouble is outdated. The reality of SME financing in Singapore in 2024 and 2025 tells a different story. According to the Singapore Business Federation’s National Business Survey 2025, 46% of Singapore businesses cited high interest rates or financing costs as a key challenge, 42% faced difficulties meeting eligibility criteria for loan types they applied for, and another 42% cited lengthy approval or disbursement timelines as a barrier. The same survey found that 1 in 4 businesses was facing a severe or moderate credit crunch, with 40% of those companies lacking sufficient funds to sustain operations beyond the next three to six months.
This is the environment most Singapore SME owners are navigating every day. It is why F&B operators, renovation contractors, retailers, logistics firms, and service businesses across Singapore regularly turn to licensed moneylender SME loans to cover working capital shortfalls, bridge project payments, restock inventory, and fund growth. It is a normal, legal, and fully regulated part of how small businesses in Singapore manage their finances. If you are considering it, you are not the first, and you will not be the last.
Bank rejections are more common than most people realise. Close to 70% of Singapore SMEs may not qualify for bank financing under standard credit criteria. Banks decline SME applications for a range of reasons: insufficient operating history, irregular cash flow patterns in bank statements, a director’s personal credit score below their threshold, existing debt obligations that exceed their debt servicing limits, or operating in industries they classify as higher risk such as F&B, retail, events, or logistics.
A licensed moneylender SME loan is a regulated, legal alternative. We do not apply the same binary credit model as a bank. We look at your actual business situation, your cash flow, and your ability to repay, and we work with you to find a structure that makes sense. Being rejected by a bank is not the end of the road; it is often just a redirection toward a lender that is better suited to how small businesses actually operate.
Government support like the Enterprise Financing Scheme – SME Working Capital Loan (EFS-WCL) is genuinely useful, but it’s still a bank loan underneath the government’s risk-share ; you go through a participating bank, meet their credit criteria, and typically wait longer for approval. As a licensed moneylender, we’re not a substitute for the EFS-WCL; we’re an option for businesses that don’t qualify for it yet or need funds faster than a bank’s process allows ; newer businesses, sole proprietors without extensive financials, or anyone who needs a decision in days rather than weeks. Our approval criteria, rate cap (for sole proprietors) and process are different, and we’re happy to be considered alongside a government-backed option rather than instead of one.
Yes, and this is one of the most common concerns we hear from Singapore SME owners. Irregular revenue is the reality for a large number of small businesses here: contractors who invoice per project, F&B operators whose takings swing with school holidays and public events, retailers whose revenue spikes around Chinese New Year and slows in the months after, freelancers and service providers who are at the mercy of client payment cycles.
Banks treat uneven bank statement inflows as a red flag. Bounced cheques, low average balances, or inconsistent transaction patterns can lead to a rejection regardless of how well the business is actually doing. We assess your overall financial picture and work with you to understand the pattern behind your numbers. If your business runs on a seasonal or project-based model, tell us upfront and we will structure a repayment schedule around your actual cash flow rather than a standard monthly template.
Loan amounts are assessed based on your business revenue, cash flow, and repayment capacity. We work across a wide range of loan sizes suited to the scale of most Singapore SMEs, from smaller bridging amounts to larger working capital facilities. Our loan officers will work with you to arrive at a figure that gives your business the support it needs without putting your repayments under unnecessary strain.
Not necessarily. We offer unsecured small business loan options, meaning you do not need to pledge property or fixed assets to access funding. A personal guarantee from the business director is typically required for unsecured loans, which is standard practice for this type of financing in Singapore. For most micro-SMEs and service-based businesses that do not hold significant fixed assets, this removes the single biggest barrier between them and the capital they need.
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.
Yes. Sole proprietors registered with ACRA in Singapore are eligible to apply. If you are operating as a one-person business, whether you are a freelancer, a hawker, a home-based business owner, or a sole trader, you can apply. If you are borrowing more on personal eligibility than company financials, our loan officers will advise whether a small business loan or a personal loan with good interest rates is the better fit for your situation.
Yes. We generally look for a minimum operating period to assess your business track record, but startups and recently incorporated businesses are welcome to approach us. If you have been operating for less than six months, our loan officers will review your current financial position and advise honestly on what options are available to you at this stage.
The EFS-WCL is a government-assisted scheme administered through participating banks, offering eligible SMEs loans of up to $500,000 with partial government risk-sharing and bank-level interest rates. It is well-suited for established SMEs with strong financials, a clean credit history, and the time to go through a full bank assessment process. A licensed moneylender SME loan serves a different set of needs: faster approval, simpler documentation, and genuine accessibility for businesses that do not clear the bar for bank financing. Both are regulated and legally compliant options in Singapore. Which one is right for you depends on your timeline, your loan quantum, and whether you qualify for the bank route in the first place.
Yes. A sole proprietorship business loan is assessed on your business ; its ACRA registration, operating history and revenue ; rather than on your personal income alone. If your funding need is really for personal or mixed-use expenses instead of the business itself, our personal business loans and other personal financing options are handled separately from your SME facility.
Most SME loan applications are assessed within one business day once your documents and face-to-face verification are complete, with funds disbursed shortly after approval. This sme loan fast approval turnaround is one of the main reasons Singapore SMEs choose a licensed moneylender over a bank. If you need a smaller amount for a short-term personal cash gap instead, our payday loan singapore option can be assessed even faster.
We ask for fewer documents than most banks, but a business loan without documents entirely isn’t something a licensed moneylender can offer ; we’re required to verify your business and identity in person before approving any loan. What we can do is keep the required paperwork to a lean, realistic set for an ACRA-registered business.
Often, yes. Bank SME loans typically call for one to two years of audited financials and an established trading history, and can take two to four weeks to process ; criteria many sole proprietors, newer businesses and seasonal-revenue SMEs don’t meet. As a legal money lender in singapore, we assess your current revenue, cash flow and repayment capacity instead, which is often more accessible for small business loan singapore applicants who don’t fit a bank’s mould, while remaining fully regulated under the Moneylenders Act.
Yes. If you’re a sole proprietor or small business owner, your loan for sme singapore is capped at the Moneylenders Act’s 4%-per-month interest rate, with fees and total charges capped in line with the same regulations. If you’re an incorporated (Pte Ltd) business, pricing is assessed commercially based on your company’s financials rather than the individual rate cap.
Whether you’re a sole proprietor, a growing SME or an incorporated business, we invite you to reach out for a straightforward assessment, or explore our other financing options. 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.
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.
Our Services
Contact Us
Copyright 2026 © Unilink Credit Pte Ltd. All Rights Reserved. Web design by MediaPlus Digital. License No: 143/2024