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Why People Choose Us
We make business loan so easy
Why waste your time looking at fine prints, calculating repayments and comparing bank rates when our consultants can do it for you?
Choose Loan Amount
Flexible Repayment Period
Funds Received
We understand how to effectively guide you through the business loan or refinance process and avoid potential problems along the way.
Securing the best business loan can be extremely simple and straightforward.
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Instant Assessment
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Our Business Loan Products
SME Working Capital Loan
From 1 April 2024, the maximum loan quantum under the Enterprise Financing Scheme – SME Working Capital Loan (EFS-WCL) is permanently set at S$500,000. This facility helps SMEs finance operational cash flow.
Loan amount: Up to S$500,000 | Tenure: Up to 5 years
Business Term Loan
For companies that have fully utilized the S$500,000 EFS-WCL limit, we work with various banks to secure additional term loans. This is suitable for further business expansion or working capital.
Loan amount: Up to S$2 million | Tenure: Up to 5 years
Trade Finance
Provides revolving credit for inventory purchases or supplier payments. Includes Letters of Credit and Trust Receipts with terms of 90–120 days. From 1 April 2025, the EFS-Trade loan cap of S$10 million will be permanent.
Loan amount: Up to S$10 million | Tenure: Revolving
Receivables/ Invoice Financing
Advance of 80–90% of outstanding invoice value. Helps companies manage long credit terms and improve cash flow by unlocking tied-up receivables.
Advance rate: 80%–90% | Tenure: Up to invoice due date
Property Financing
Mortgage loan to finance purchase of commercial/industrial property. Existing property may also be pledged to banks for financing. Offers low interest due to secured nature.
Loan amount: Based on property value | Tenure: Up to 30 years
Caveat Loan
Short-term financing secured against an owned property, placed behind an existing mortgage. Suitable for urgent funding needs without refinancing.
Loan amount: Based on equity | Tenure: Short-term
Private Business Loan
For businesses over-leveraged with banks, we arrange funding via our network of private investors. Flexible structure tailored to urgent capital needs.
Loan amount: Flexible | Tenure: Short to mid-term
Overdraft Line
Pre-approved line of credit to manage cash flow shortfalls. Allows businesses to overdraw bank accounts up to a set limit, with interest on amount used.
Limit: Up to S$1 million | Tenure: Revolving
Let’s discuss about how we can help make your business better!
Why we make business loan so easy?
You get higher approval rates, easier process
Step-01
Choose Loan Amount
High loan amount of up to S$3,000,000 with competitive rates
Step-02
Flexible Repayment Period
Stretch your business loan repayment period up to 5 years
Step-03
Funds Received
Enhance your cashflow and improve operations with business loan
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Clients Satisfied
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Financial Partners
+
Years Experience
Don’t find the answer? We can help
Have questions?
Have questions?
We’ve got answers.
Whether you’re a startup or growing enterprise, we’re here to help you navigate your funding options.
1) We provide consultation services to help you secure a loan or facility from banks and financial institutions.
2) We will help to secure the best possible rate and loan quantum for your business.
Most registered businesses are eligible, including sole proprietors, partnerships, and private limited companies. Eligibility may vary based on your business’s revenue, age, and credit profile.
No collateral is required for our unsecured business loans. However, secured loan options are also available for larger amounts or longer terms.
1) 6 months corporate bank statements.
2) 2 years personal noa of major shareholder.
No. We believe in 100% transparency. All fees and charges will be clearly stated before you sign the agreement.
Still have questions?
Can’t find the answer you’re looking for? Please get in touch with our team.
“Cash is king. It wasn't just about cutting costs. But it's also about spare funds for tide us through pandemic. Shore Capital helped me to sustain and pivot my business to capture new opportunities amid the crisis.”
Lawrence Ng
Managing Director
““I had a good experience with Shore Capital. I am thankful to Shore Capital for the help you guys gave me. My business loan was easy and fast. thank you Shore Capital!”
Jasmine Lim
Funder and Partner
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