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Securing business loans for startup companies can feel overwhelming with so many lenders and criteria to navigate. That’s where our platform steps in.
We simplify the process by offering curated startup loan options from both traditional banks and alternative lenders, all tailored to your industry, revenue stage and growth plans. Instead of contacting multiple financial institutions, you can compare offers instantly through our smart dashboard. From working capital to equipment financing, we help you explore viable loan products that suit your startup’s specific needs. Our support does not stop at comparison because we guide you from pre-qualification to final approval.
Need a business loan for startup Singapore but unsure which lender truly supports early-stage ventures? Our Singapore-based consultants specialize in startup financing and provide one-on-one support to help you find a suitable solution.
We evaluate your business profile from incorporation status to monthly revenue and projections, then match you with lenders that offer favorable terms for startups. Whether you’re bootstrapping or backed by investors, we ensure your application aligns with what banks and licensed lenders want to see to maximize your approval chances without unnecessary hassle.
Looking for the best small business loans for startups but tired of navigating dozens of lender websites? Our smart comparison tool brings everything together in one personalized dashboard.
You’ll get real-time access to startup loan offers, interest rate insights and eligibility highlights in a transparent, digestible format. Whether you want microloans, revolving credit or short-term financing, our platform highlights top-rated lenders based on your business stage, credit profile and cash flow needs. We remove guesswork so you can make confident financing decisions faster.
Asking “how can I get a loan to start my business?” is the first step, but getting approved takes strategic preparation. Our platform supports entrepreneurs from idea to execution with expert-backed advice.
We help you build strong loan applications by guiding you through required documents such as business plans, projected revenue statements and cash flow forecasts. In addition, we connect you with lenders that understand startup challenges by offering flexible repayment terms and lower minimum requirements. Whether it’s your first venture or you’re scaling a side hustle, we help you fund your dream with confidence.
| Lender | Annual Interest Rate | Processing Fee | Annual Fee | Monthly Repayment |
|---|---|---|---|---|
| Anext | 7%-10% | 1% or S$200 | No | $2,970.18 |
| DBS | 7% | 1% | No | $2,970.18 |
| Maybank | 7%-10% | 1-2% | No | $2,970.18 |
| OCBC | 7% | 1-2% | No | $2,970.18 |
| Orix | 8.5 % | 1-2% | No | $3,077.48 |
| Ethoz | 7-10% | 1.25% | One time off $1,500 Commitement Fee | $2,970.18 |
| Funding Societies | 9.6 % | 4% | No | $3,157.61 |
| SCB | 9.00 % | 1-3% | $288 | $3,113.75 |
* Rates Updated 01 Jan 2026 - Loan Amount Example S$150,000 In 5 Years
Startup business loans are specially designed financial products that support new business owners in their early stages of operation. Unlike traditional SME loans that require a stable financial history, startup loans focus more on your business plan, revenue projections and market opportunity. These loans provide a lump sum amount that can be used for various needs such as product development, marketing campaigns, inventory purchase or hiring staff.
In Singapore, startup loans are available from a wide range of sources including commercial banks, government-backed schemes such as EnterpriseSG’s Enterprise Financing Scheme and private lenders. Loan terms can vary but most feature fixed monthly repayments with interest.
Because most startups have limited or no revenue history, lenders assess risk using other indicators such as founders’ credit scores, business model viability and projected cash flow. Interest rates tend to be higher compared to established business loans due to the perceived risk.
It is crucial to understand all terms and fees before committing. Choosing the right financing structure can empower your startup to scale effectively while the wrong one can quickly become a financial burden.
Startup business loans provide newly formed companies with access to capital before they become profitable. A startup loan is an agreement between the lender and the business founder to borrow a lump sum that is repaid over a fixed term with interest. These loans often take the form of term loans, credit lines or government-backed funding schemes.
Because early-stage startups rarely have extensive financial history or collateral, lenders focus on alternative qualifying factors. These include the founder’s credit score, the strength of the business plan, market opportunity, early traction or revenue if any and sometimes the founder’s personal income.
Startup loans can help businesses cover initial costs such as purchasing equipment, renting office space, hiring talent or launching marketing initiatives.
The best startup loan for your business depends on specific funding needs, repayment ability and overall business model.
This is the overall amount you will pay for borrowing. It includes the principal amount, interest and any processing or service fees. Always read the fine print and use an online loan calculator to estimate your total repayment.
Repayment plans usually consist of a portion of the principal plus interest. Some lenders may allow interest-only payments during the initial phase. Ensure that the monthly amount fits your expected cash flow.
Startups often choose loans with longer repayment periods to reduce monthly pressure. However, a longer tenure can result in higher total interest over time.
While many startup loans are unsecured, some may require personal guarantees or collateral such as business assets, equipment or inventory. The specific requirement depends on the lender and the assessed risk profile.
To qualify for most startup loans in Singapore, your business must be registered with ACRA and operate for at least six months with a minimum monthly revenue of around SGD 10,000. Government-assisted schemes such as the Enterprise Financing Scheme may have more flexible terms for innovative startups or businesses in emerging industries.
Yes. Many financial institutions and fintech lenders provide unsecured startup loans, meaning no collateral is required. These loans often carry higher interest rates and may need a personal guarantee from the business owner.
Loan amounts vary widely. Most startups can borrow between SGD 10,000 and SGD 500,000 depending on revenue, creditworthiness and business potential. Government-backed loans may offer higher limits with risk-sharing features for eligible SMEs.
Approval timelines depend on the lender. Traditional banks may take one to three weeks, while digital lenders or fintech platforms can approve loans within 24 to 72 hours if all documentation is complete, including financial statements and a solid business plan.
Yes. Examples include the Enterprise Financing Scheme SME Working Capital Loan and the Startup SG Founder Grant. These programs provide working capital support and encourage entrepreneurship through funding and mentorship.
A low credit score may limit your options, but some lenders place more weight on business potential, cash flow and operational performance. Applying with a co-guarantor or improving your credit before submitting an application can also increase approval chances.
Even if your startup is still in its infancy, begin building your business credit profile by opening a business bank account and registering with ACRA. Make all vendor payments on time. A strong credit record improves your chances of qualifying for larger loans with lower interest rates in the future.
Always evaluate the Effective Interest Rate (EIR) instead of focusing only on the flat interest rate. The EIR shows the true cost of borrowing once administrative, processing and annual fees are included.
Lenders want to see strong growth potential. A well-crafted plan with market research, revenue forecasts and an expense breakdown can significantly improve the likelihood of loan approval.
Overborrowing may strain cash flow and create repayment difficulties. Calculate how much capital you truly require and match it with realistic income projections for the loan term.
Startups in Singapore can benefit from programs such as the Enterprise Financing Scheme (EFS). These options often provide more favorable terms, longer repayment periods and lower interest rates compared to private lenders.
Be upfront with your lender about financials, challenges and goals. Full disclosure builds trust and allows lenders to offer solutions tailored to your business model.
Mastering your loan moves starts with understanding the real cost of borrowing. We believe in empowering you with the right knowledge to make smart financial choices, not quick fixes that lead to debt traps. Our commitment is helping you borrow wisely and stay in control of your money.
Read Our Borrowing Guide
.Don't be a fool! #roshi #singapore #lending #borrowing
Trust the original! #roshi #singapore #lending #borrowing
.Don't be a fool! #roshi #singapore #lending #borrowing
Trust the original! #roshi #singapore #lending #borrowing
.Don't be a fool! #roshi #singapore #lending #borrowing
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