SME Working Capital Loan

Collateral-free* loan up to S$1 Million* | Repayment period of up to 5 Years

The SME Working Capital Loan is a government assisted financing scheme introduce in Budget 2016. This scheme helps SMEs access financing in a period of slow economic growth for a period of 3 years till 2019.


Access up to $300k working capital to grow your business. With interest rates as low as 3.5%- 3.9% p.a simple rate and loan tenor up to 5 years with no early repayment penalty for flexibility and cost savings, it is undoubtedly the cheapest and best unsecured loan package in the market.

How can you benefit?

Currently, there are 12+ financial institutions participating in this scheme. Credit criteria & interest rates vary across the banks. We provide your company a direct comparison on all banks interest rates and eligibility terms. (do note that although funding is from Spring Singapore, rates and approval criteria differs from bank to bank basis)
Secure the funding you require to expand and scale your business to the next level!
Get a free loan assessment & access to financing options now, fast and hassle free.

Why should you choose us?

  • Lower Interest Costs
  • Leave the rates negotiation to us and save more!
  • Obtain unsecured business loan at interest from as low as 3.5- 3.9% p.a. simple rate.
  • Higher Approval Rate
  • As a team of ex bankers, we are very familiar with the credit criteria of individual banks with a solid track record approval rate.
  • Faster Turnaround Time (Tired of waiting for unresponsive bankers revert? Your application is our priority, reduce processing time by 3-5 working days through us!)
  • Hassle Free Approach
  • Leave the application process to our specialists while you focus your resources on your core business.
  • Higher Loan Amount (Secure larger financing & higher loan amount. Procure up to $2M or more unsecured business loans*)
    *subject to company financial standing
  • Risk Free Process

No upfront fees, no fees applicable if we’re not able to secure financing for your company. Performance guarantee, pay only for results!