Securing the right business loan can be challenging — especially for SMEs navigating between traditional banks and private lenders. At Excellence Singapore Group, we’re here to simplify that process.
As your trusted SME loan broker, we connect businesses of all sizes with financing solutions that align with their goals. Whether you’re looking for a bank term loan or flexible private capital, our team is here to support you at every step.
Traditional SME Loan Options in Singapore
For many SMEs, traditional financing remains the go-to choice for long-term stability. As a trusted loan consultant in Singapore, we work closely with leading banks and financial institutions to help you access:
Business Term Loans
These structured loans provide a lump sum that’s repaid over a fixed period. Ideal for:
- Business expansion
- Equipment purchases
- Inventory restocking
Working Capital Loan (WCL)
Under the Enterprise Financing Scheme, WCLs are backed by Enterprise Singapore and support day-to-day operations.
Key features:
- Loan amounts of up to S$500,000
- Up to 5 years repayment term
- Risk-sharing with participating financial institutions
Private Business Loans & Non-Bank Financing
If your business needs faster access to funds, more flexibility, or doesn’t meet the usual bank criteria, private business loans are a powerful alternative. These loans are offered by non-bank lenders, including private capital firms, licensed moneylenders, and alternative financing platforms.
Benefits of Private Financing
- Faster approvals (often within 3–5 working days)
- More lenient credit assessments
- Flexible repayment terms tailored to your cash flow
Common Types of Private Business Loans
- Invoice Financing / Factoring
- Equipment Financing
- Project Financing
- Property-Backed Loans
- Customised Non-Bank Business Loans
Whether you’re a start-up or a fast-growing enterprise, our network of private loan lenders for businesses gives you access to capital beyond the usual channels.
Why Work With a Business Loan Broker?
Choosing the right financing partner matters. As a business consulting firm in Singapore, our SME loan brokers offer:
- Unbiased advice across both bank and private options
- Access to a wider lender network
- Support across every step of the application process
- Help with document preparation to reduce rejections and delays
Our 4-Step SME Loan Process
Our process is designed to be simple, transparent, and built to give you confidence from start to finish. We guide you every step of the way to ensure your application is submitted efficiently.
Step 1: Initial Consultation
This is a free, no-obligation step where we assess your business’ financial needs, urgency, and goals. Our experts will clarify any loan terms and requirements upfront, so you know exactly what to expect.
Step 2: Document Preparation
We guide and support you in preparing and organising all the required documents. This makes the process stress-free and saves you valuable time, ensuring everything is in order.
Step 3: Loan Matching & Negotiation
We compare options across both banks and private lenders to find the most suitable solutions for your business. We also negotiate terms, including interest rates and repayment flexibility, to get you the best possible outcome.
Step 4: Approval & Disbursement
Once your loan is approved, we stay in contact with you and the lender until the funds are released, which typically happens within 3–5 working days for most loans. We’ll keep you updated every step of the way.
Who We Help
We’ve helped thousands of companies secure financing — from small businesses to SGX-listed firms. We work with:
- SMEs of all industries and stages
- Startups with limited credit history
- Business owners seeking private capital for business loans
- Companies looking for tailored, fast, and fuss-free funding
Need Help Navigating Your SME Loan Options?
Let our team guide you toward the right financing solution. Whether you need traditional lending or a private business loan in Singapore, we’re here to help.
Need more than just a loan? We also offer services for company incorporation in Singapore, corporate secretarial support, and accounting.
Frequently Asked Questions About Our SME Loan Consultants in Singapore
Bank loans have stricter requirements but offer lower rates. Private business loans are faster and more flexible but may come with higher interest.
Yes, especially with non-bank business loans. Private lenders often consider your revenue potential or secured contracts.
In most cases, within 3–5 working days — assuming documents are in order.
Not always. Some private loans are unsecured. However, offering security can increase approval amounts or improve terms.
We save you time, avoid unnecessary rejections, and ensure you get access to the most suitable financing solution — whether it’s from a bank or private lender.
Need A Hand? We Got You
