Getting loans wasn't
taught in school.

We are the intermediary between you and the financial institution. We rely on our financing expertise and banking experience to help you apply for the loan that best matches your needs. Because we do not work for any lender, the suggestions you get are unbiased.

No. Fundwise is not a financial institution and does not itself provide loans. We guide and advise you on the application, and facilitate the process so you end up with the right loan for your needs.

Leave us a message through the contact form or WhatsApp. We answer every enquiry within 48 hours, and from there we arrange a conversation to work through the specifics of your situation.

Nothing. There is no cost or obligation in the initial conversation, and we will tell you plainly if the honest answer is that the business should not borrow right now.

It depends on the institution and the urgency of your situation. It can be as fast as a week, or closer to a month. We cannot promise a timeline, because the institution controls it, not us.

That depends on your position and the purpose of the loan. Our job is to help you obtain the right amount, at a rate and duration that match your situation — not the largest number available.

Typically two years of financial statements, six months of bank statements, your ACRA business profile, and any existing facility letters. Banks are usually more stringent but price lower; other licensed institutions can be more flexible at a higher rate.

A flat rate is charged on the original amount for the whole term. An effective rate is charged on what you still owe, which falls each month. A 4% flat rate is roughly a 7.5% effective rate — always ask for both before comparing offers.