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Looking to unlock funding with your existing property? Our platform simplifies the search for the right property loan tailored to your business needs.
Whether you’re expanding operations or managing cash flow, we help you access competitive loans secured against commercial or residential real estate. Our intuitive interface allows you to explore options from various banks and licensed lenders in one place. No more jumping across websites or calling multiple brokers. Get clear comparisons, upfront loan terms and fast eligibility checks directly through our platform. Choose a smarter way to finance your business growth with a secured property loan today.
Navigating the market for a commercial property loan in Singapore can be complex but you don’t have to do it alone.
Our loan consultants specialize in matching businesses with lenders that understand commercial needs, whether for office purchases, shophouse upgrades or refinancing existing assets. We assess your loan profile, understand your objectives and connect you to lenders offering flexible terms with favorable rates. As your independent guide, we make sure the offers align with your long-term goals. Let us help you secure the funding you need to acquire or leverage commercial properties effectively.
Exploring property loans in Singapore? Our intelligent dashboard brings transparency and simplicity to your financing journey. Access multiple property-backed loan offers from trusted financial institutions, all tailored to your business profile.
With our digital tools you can evaluate interest rates, tenures and loan-to-value ratios side by side without stepping into a branch or negotiating manually. Whether you’re a startup or a growing SME, our technology ensures you save time, understand your options clearly and make decisions based on data. It is modern loan brokering that works entirely online for your benefit.
Securing an industrial property loan does not have to be intimidating. Our consultants provide actionable insights into financing for factories, warehouses or B2 industrial units.
From understanding how collateral value impacts your loan quantum to explaining the fine print in plain English, we help you move from inquiry to approval with clarity and confidence. Whether you are buying a new facility or refinancing an existing asset, we guide you through the process and suggest lenders that specialize in industrial property financing. Get expert help without the hassle.
| 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
A Property-backed Business Loan is a type of secured financing where a business uses real estate as collateral to access capital. In Singapore’s competitive market, this loan type has become increasingly attractive due to flexible borrowing limits and relatively lower interest rates. It provides a practical solution for companies seeking mid to long term funding without sacrificing cash flow or equity.
This financing method is especially useful for SMEs and growth stage companies with substantial property assets but limited access to unsecured loans. Whether the goal is to fund expansion, refinance existing debt or improve operational liquidity, a property-backed loan offers a structured way to obtain larger loan amounts based on the market value of the pledged asset.
Lenders typically evaluate the loan to value ratio, type of property and the borrower’s ability to service the debt when determining eligibility. Because the loan is secured, it often comes with extended repayment tenures that give businesses flexibility to manage finances strategically.
ROSHI simplifies the comparison and application process by connecting borrowers with reputable financial institutions offering transparent loan terms and competitive interest rates. With the right approach, a property-backed loan can become a key asset in a company’s financial strategy while fueling sustainable growth and optimizing capital structure.
This loan type suits businesses looking to leverage fixed assets to gain immediate liquidity without diluting ownership or taking on high risk debt.
A Property-backed Business Loan is a secured lending option where business owners use real estate assets as collateral to obtain funding from licensed financial institutions. The pledged property, typically a commercial or residential building, acts as security that lowers the lender’s risk and enables access to higher loan amounts with more attractive interest rates and longer repayment terms.
In Singapore, this financing solution is especially popular among small and medium enterprises that may not qualify for traditional unsecured loans due to limited credit history or inconsistent revenue. By leveraging tangible assets such as office buildings, warehouses or privately owned properties, companies can unlock working capital to fund various needs such as cash flow management, equipment upgrades, expansion initiatives or project execution.
A key feature of property-backed loans is the loan to value ratio, which generally ranges between 60% and 80% depending on the property’s location, type and market value. The loan amount is directly tied to the value of the collateral, providing borrowers with a predictable financing ceiling.
These loans typically offer fixed or variable interest rate options and tenures can span from one to twenty five years. While borrowers benefit from lower interest rates due to the secured nature of the loan, they must also consider the risk of foreclosure if repayments are not met. Therefore, it is essential to assess repayment capacity carefully and ensure proper risk planning before applying.
This form of lending helps asset rich but cash limited businesses unlock capital and create a powerful financial lever for sustainable growth.
A Property-backed Business Loan is a secured financing solution where a business uses real estate such as commercial, industrial or residential property as collateral to obtain funding. This type of loan typically offers higher borrowing limits, lower interest rates and longer repayment terms compared to unsecured loans.
Eligible properties generally include commercial units, industrial buildings, offices, shophouses and residential properties (subject to the lender’s policy). The property must have a clear legal title with no outstanding encumbrances and must be located in Singapore.
Small and medium-sized enterprises as well as established corporations with registered businesses in Singapore are eligible. Most lenders require that the business has been operational for at least one year and demonstrates stable cash flow together with repayment capacity.
The LTV ratio typically ranges from 60% to 80% depending on the property type, market value, borrower creditworthiness and the lender’s risk assessment. A higher property value can often secure more favourable financing.
Approval timelines vary by lender but generally range from five to fourteen business days depending on the completeness of documentation, property valuation and legal verification.
Yes. In most cases, borrowers retain the right to occupy, lease or operate the property while it serves as collateral. However, defaulting on the loan could result in foreclosure by the lender.
The value of the collateral directly affects your loan eligibility. Engage a licensed property valuer to obtain a realistic appraisal of your real estate asset. A strong loan-to-value (LTV) ratio improves the chance of securing favourable interest rates and terms.
Lenders will assess your business credit profile, revenue stability, profit margins and existing debt obligations. Prepare updated financial statements, tax filings and cash flow projections to demonstrate repayment capability.
Not all properties are equally accepted. Commercial properties in prime locations or mixed-use buildings with strong market demand usually receive better loan terms. Ensure your property has clear legal titles with no encumbrances.
Clarify whether you prefer fixed or variable interest rates. Evaluate how the tenure impacts monthly repayments and total interest. A longer tenure may lower monthly payments but could increase the overall cost.
A high property value does not mean you should borrow to the limit. Borrow responsibly based on actual business needs and repayment ability to avoid straining operations.
Professional advisors familiar with property-backed SME loans can match your business profile with suitable lenders, negotiate better terms and speed up the approval process.
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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