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Small Business Loans

Unlock the funding to grow your business

Our service is refined for being effective and customized to your business’s needs.


We are a number oriented team of experts with >30 years of combined experience in the banking sector. We are here to offer you the best knowledge for your SMEs success. We’ll guide your business to the offer that will give the boost you’re looking for.

SME Banking Facility

Let’s take 
a confident step to success 

We know it’s not about the quantity of lenders but the quality of your documents and the study of the lenders to see what is best for your business. 

We dive into your company to evaluate in which state of development it is in and the direction it is going, so we can provide the right loan with the best opportunity.

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ThinkSME Business Loan

>60 banks and financial institutions to fit your needs.

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ThinkSME Business Loan

Close to 95%

of approval rate

for all our clients.

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ThinkSME Business Loan

>30 years

of combined experience in the financing market.

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Personalized guidance on how to get the right loan 

ThinkSME Business Loan
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Up to $500k Working Capital Loan funding

ThinkSME Business Loan

Our financial 

Our experiences in the financing market have led us to great relationships with our partners. This variety of partners lets us have a wide range of financing options that fits with our clients needs.

What loan is right for you?

Ethoz ThinkSME
Innoven Capital ThinkSME
Hong Leong Finance ThinkSME
MayBank ThinkSME
Orix Leasing ThinkSME
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Temporary Bridging Loan

The Temporary Bridging Loan Programme is a government assisted financing scheme introduced in Budget 2020 to provide working capital of up to    $1 million SGD to help local SMEs affected by Covid-19. Enterprise Singapore partners up to 19 financial institutions with 70% of risk sharing arrangements. Although Temporary Bridging Loan is supported by Enterprise Singapore, each financial institution has a different credit assessment and interest rate package.

ThinkSME understands each SME has a different financial profile. That’s why we personalize our services to provide you with comparisons across these 19 financial institutions and ensure approval rate is high before submitting your application.
This way we can achieve the best results that go above and beyond expectations.


Working Capital Loan

The SME Working Capital Loan (WCL) is a government assisted financing loan under the Enterprise Financing Scheme (EFS-WCL). The WCL is meant to help SMEs finance operational cashflow needs. SMEs can access up to $500K from October 2022 to March 2023.Risk sharing between lenders and enterprise Singapore is at 50%.

ThinkSME assists in comparing the best WCL that meets working capital requirements and business expansion.We have a strong network with 19 financial institutions which offer various loans and ensure you have high chances to get approval.

It’s a stable, flexible way to get more working capital to grow your business and build your credit. If you’re looking for other SME financing solutions, ThinkSME can support you.

Mortgage Financing

The simple definition of a mortgage is a type of loan you can use to buy or refinancing a property. Mortgages are also referred to as “mortgage loans.” Mortgages are a way to buy a property without having all the cash upfront.

ThinkSME will provide you a free comparison of services across 20 different financial institutions to help you find the best mortgage in Singapore.

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Trade Financing 

Customized revolving trade solutions depend on each businesses modus operandi to ensure working capital gaps are bridged. Trade facilitation such as Letter of Credit (LC) and Invoice Financing enables SMEs to fund their purchase of goods, helping them to collect their goods earlier and faster.

Trade Facility is particularly popular among traders who are looking to leverage additional banking limits to bridge their financing gap and facilitate overseas trading. Manufacturing, building & construction firms will also find Trade Facility very useful for purchasing of raw materials and subcontractor payments.

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Letter of Credit

Letter of Credit (or LC) is a commonly used trade finance instrument used to ensure that the payment of goods and services will be fulfilled between a buyer and a seller. Both parties use an intermediary, namely a bank or financier, to issue a Letter of Credit and legally guarantee that the goods or services received will be paid for. 

Invoice Financing

Invoice Financing provides businesses with working capital to improve immediate cash flow, pay employees and suppliers, and reinvest in operations and growth earlier than they could otherwise if they had to wait until their customers paid their invoices in full.

Documents Collection

Documents Collection is a procedure that allows a seller to give their bank instructions to forward trade-related documents to the bank of the buyer. The documents are availed to the buyer once they've made and finalized payment. The process is normally termed “Documents against payment and Documents against acceptance.”

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Factoring enables businesses to get advance cash from long repayment and credit terms from reputable buyers. Typical profiles of these buyers are usually government agencies, sizable SMEs and large MNCs; thus they’re able to extend longer than usual credit terms.

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Supply Chain Financing

Supply chain finance, also known as supplier finance or reverse factoring, is a set of solutions that optimizes cash flow by allowing businesses to lengthen their payment terms to their suppliers while providing the option for their large and SME suppliers to get paid early.

Crowd Funding & Peer to Peer Lending

The terms “Crowdfunding” and “Peer-to-Peer Lending” often get confused as one and the same — and there’s a good reason for that. Both involve groups of people providing financial assistance in support of entrepreneurship, usually small business ownership. But peer-to-peer lending is actually a subset of crowdfunding, and the terms shouldn’t be used interchangeably. Why? Because these two business loan alternatives offer different advantages and disadvantages, depending on your business type and goals. 

Private Financing & Licensed Money Lending

Private financing is a term used to describe a loan that is given to an individual or company by a private organization or even a wealthy individual. The organization or the individual is known as a private funder.
The cost of borrowing is typically higher for private financing or MAS regulated licensed lending; reason being the risk of borrowing and cost of funding is higher as compared to bank loans.

We have the expertise and the team to make this process as easy and effective as possible.
Every business is unique, we will give you a unique set of tools to achieve your goals.

What you

will get

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Team of over 30+ years of combined experience working to assemble the best tools for your business

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Our specialized proposal of different financial entities to get loans from

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Our guidance to put your business in the best shape to obtain the loan

Lets work 

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Support on finding the right financial institution for your business

Contact Us


You might be interested in

We are here to 
help you succeed

Our team of experienced consultants is on hand to discuss your goals for growth, and how we can help you achieve them.

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Email us
ThinkSME Email
ThinkSME Contact Number
Call us
(+65) 6012 9642
ThinkSME Address
Visit us
Singapore – Headquarter
28 Genting Lane,
Platinum 28, #04-08
Singapore 349585


Suite 25.03A, Level 25, City Square Office Tower,

80000 Johor Bahru, Malaysia


9/F Fillinvest One Building Northgate Cyberzone,

Muntinlupa City 1781, Philippines


559/A Aman Nagar, Mirjapur Road,

Hirsar 125001, Haryana, India

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