One Site. Multiple Lenders. The Best Deal.
Singapore SMEs Multiple lenders No broker fee

Business Financing, Powered by AI

Skip brokers and outdated applications. Apply online once and receive matched loan offers from top Singapore lenders.

  • One simple online application
  • AI-powered lender matching technology
  • Tailored loan offers from top lenders
  • Fast approvals and funding within 24–48 hours
  • 100% Free. No Broker Fees
$10,000

Our services are available only to registered business entities. We are unable to assist sole proprietors at this time.

Checking information...

Please wait a moment.

DBS UOB HSBC Maybank orangecredit IFS orangecredit UOB OCBC HSBC Maybank DBS IFS

How It Works

1

Apply Online

Complete our quick online application in just a few minutes. There’s no obligation and checking your options is completely free.

2

Receive Loan Offers

We connect you with multiple lenders so you can compare loan offers and choose the best option for your business.

3

Get Approved & Funded

Get approved and funded in as little as 24 hours. No broker fees, no hassle - just fast business funding.

Compare Loan Offers

Trusted by Singapore Business Owners

See what local SMEs say about securing funding with SMB Empire

★★★★★

“SMB Empire made the whole process incredibly easy. I applied once and received multiple loan options within a day. We secured working capital quickly without the usual bank delays.”

Singapore business owner
Jason Lim
Owner, J&M
★★★★★

“We were struggling to compare lenders on our own. SMB Empire connected us with the right lenders fast and helped us choose a deal that suited our cash flow.”

Singapore business owner
Michelle Tan
Founder, T-Boutique
★★★★☆

“As a growing SME, speed was critical for us. SMB Empire helped us access fast business loan options without endless paperwork. Highly recommended.”

Singapore business owner
Adrian Koh
Owner, Tryx Electronics
Compare Top Lenders In Singapore
Singapore Business Loans

Compare Top Lenders In Singapore

Find the best funding offer tailored to your business needs - no broker fees, no hassle.

8+ Lenders compared
SGD 1.5M Max loan amount
3 hrs Fastest approval
Bizcap Funding
★ Popular Choice
SGD 5,000 – 500,000
Factor rate (risk-based)
As little as 3 hours
4+ months, $12K+ monthly turnover
Unsecured Business Loans Line of Credit No upfront credit checks
Apply Now → Read Full Review
JenFi
★ Popular Choice
SGD 10,000 – 200,000
1.85% – 2.5%
As little as 24 hours
2 years, $15,000 monthly turnover
Apply Now → Read Full Review
MariBank Singapore
Up to SGD 500,000
From 4.5% p.a.
Within 3 days
SG-registered, 1+ year in operation
Apply Now → Read Full Review
Funding Societies
Up to SGD 1,000,000
From 0.8% per month
Within 7 days
6 months, turnover > SGD 500K
Term Loans Start-Up Financing No upfront credit checks No collateral required
Apply Now → Read Full Review
Validus Capital
Up to SGD 500,000
Custom rate
1 – 3 days
SG-registered SME
Apply Now → Read Full Review
Choco-Up
Up to SGD 1,500,000
7% – 12%
Within 3 days
12 months, $10K+ monthly turnover
Term Loans Invoice Financing Also available in HK & MY
Apply Now → Read Full Review
Fundtier (Singapore)
Up to SGD 250,000
From 1.5% per month
24 – 48 hours
6+ months, basic financials
Apply Now → Read Full Review
OCBC Business First Loan
Up to SGD 100,000
From 7% p.a.
Within 1 day
1 year operation & revenue proof
Apply Now → Read Full Review

Apply for a Loan

Fill in your details and a lending partner will be in touch shortly.

Types of Business Loans in Singapore
Loan Comparison Guide

Types of Business Loans in Singapore

Explore the most common business financing options in Singapore and understand which type of funding may best suit your business needs.

Term Loans

A fixed lump sum loan repaid over 6 months to 5 years with equal monthly installments. Ideal for funding business expansion, renovations, or large purchases.

Structured monthly repayments Fixed or variable rates Best for long-term planning Funds disbursed upfront Secured or unsecured
Working Capital Loans

Short-term unsecured loans to cover daily operational costs such as rent, payroll, or inventory restocking.

Tenure up to 5 years No collateral required Regular monthly repayments Ideal for short-term cash flow
Line of Credit

A revolving credit line linked to your business account. Withdraw funds as needed up to a limit, with interest charged only on what you use.

No fixed repayment schedule Interest on utilized amount only Renewed annually Flexible for fluctuating cash flow
Invoice Financing

Advance funding against your unpaid invoices. Businesses can typically access 80%–90% of the invoice value upfront and receive the balance once the customer pays.

Improves working capital Repaid when client pays Confidential or disclosed Ideal for B2B businesses
Trade Financing

Financing solutions for import and export businesses, including letters of credit, trust receipts, and shipping guarantees.

Pre- and post-shipment funding Smoother international trade Letters of credit & trust receipts
Equipment / Asset Financing

Financing used to purchase machinery, vehicles, or IT equipment, where the asset itself often serves as security for the loan.

Leasing or hire purchase Lower rates with collateral Asset-backed security
Startup / Micro Loans

Loans designed for new or smaller businesses. Typically unsecured, but may require a strong business plan and sometimes a personal guarantee.

Up to S$100,000 Higher rates (risk profile) Suitable for early-stage businesses
Website with Footer