Seven structures.
One honest comparison.

Grouped by the problem they solve rather than the product name a bank happens to use. We compare across institutions and tell you the effective rate before anything is committed.

Most businesses arrive certain they need one structure and leave with another. The right answer depends on how the money moves, not on how much is needed.

Line of credit

Flexible access you draw on as needed. You pay for what you use, which suits uneven cash flow better than a fixed term loan.

Invoice factoring Customers pay too slowly Examine whether eligible receivables can bridge a timing gap without hiding disputes or weak margins. Read more → Trade facilities Inventory or supplier funding Match supplier payments and inventory cycles to short-duration trade financing. Read more → Overdraft facilities Recurring short-duration cash needs Consider revolving access for temporary, repeatable gaps that regularly clear when receipts arrive. Read more →

Business loans

A fixed amount over a fixed period. Cheaper per dollar than a credit line when you need the full sum for the full term.

Working capital loan A defined operating cash gap Evaluate a lump-sum facility for a specific working-capital need and a scheduled repayment plan. Read more → Equipment and machinery financing A long-lived asset purchase Compare financing against cash purchase using the asset's useful life, cash benefit and total cost. Read more → Enterprise Financing Scheme loan Eligible Singapore SME financing needs Understand government risk sharing, current scheme parameters and participating-institution assessment. Read more → Project financing Contract-specific funding Map project costs, milestone receipts and delivery risk before selecting a contract-linked facility. Read more →

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Not sure which fits?

Tell us the position and we will tell you plainly which structure suits it — including when the answer is not to borrow. All enquiries answered within 48 hours.