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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, residential, or mixed-use real estate. Our intuitive interface allows you to explore options from various banks and licensed lenders—all 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.
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—be it 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 and favorable rates. As your independent guide, we make sure the offers align with your long-term goals.
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’s modern loan brokering—fully online, fully for your benefit.
Securing an industrial property loan doesn’t have to be intimidating. Our consultants are here to provide you with 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're 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% | 1% or S$200 whichever is higher | $0 | $2,970.18 |
| DBS | 6% | 1% | no | $2,899.92 |
| Maybank | 7% | 1-2% | $2,970.18 | |
| OCBC | 7.5 % | 1-2% | no | $3,005.69 |
| Orix | 8.5 % | 1-2% | no | $3,077.48 |
| Ethoz | 9 % | 1.25% | One time off $1,500 Commitement Fee | $3,113.75 |
| Funding Societies | 9.6 % | 7% | $3,157.61 | |
| SCB | 10.88 % | 1-3% | $288 | $3,252.39 |
* Rates Updated 14 Jul 2025 - 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—commercial or residential—as collateral to access capital. In Singapore’s competitive business environment, this loan type has become increasingly attractive due to its flexible borrowing limits and relatively lower interest rates. It provides a practical solution for businesses 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 it’s to fund expansion, refinance existing debt, or improve operational liquidity, a property-backed loan offers a structured way to access larger loan amounts based on the market value of the pledged asset.
Lenders typically evaluate the loan-to-value (LTV) 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, giving businesses the flexibility to manage finances strategically.
ROSHI streamlines 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—fueling sustainable growth while optimizing capital structure.
This loan type is ideal for 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 a security, reducing the lender’s risk and enabling access to higher loan amounts, more attractive interest rates, and longer repayment terms.
In Singapore, this financing solution is especially favoured by small and medium enterprises (SMEs) 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 even privately-owned properties, companies can unlock working capital to fund various business 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 (LTV) ratio, which generally ranges between 60% to 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 come with fixed or variable interest rate options, and tenures can span from 1 to 25 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 and ensure proper risk planning before applying.
This form of lending bridges the gap between asset-rich but cash-limited businesses, offering a powerful financial lever to grow sustainably.
A Property-backed Business Loan is a secured financing solution where a business uses real estate—commercial, industrial, or residential—as collateral to obtain funding. This form of loan typically offers higher loan quantum, 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, no outstanding encumbrances, and should be located in Singapore.
Small and medium-sized enterprises (SMEs), as well as established corporations with registered businesses in Singapore, are eligible. Most lenders require that the business has been operational for at least 1 year and demonstrates stable cash flow and repayment capacity.
The LTV ratio typically ranges from 60% to 80%, depending on the type and value of the property, borrower’s creditworthiness, and the lender’s risk assessment criteria. A higher property value can often secure more favourable financing.
Approval timelines can vary by lender but generally range from 5 to 14 business days, depending on the completeness of documentation, property valuation, and legal verification processes.
Yes, in most cases, borrowers retain the right to occupy, lease, or operate the property while it is used 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 enhances your chances of securing better 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 your repayment capability.
Not all properties are equally accepted. Commercial properties in prime locations or mixed-use buildings with high market demand usually yield better loan terms. Ensure your property has clear legal titles and no encumbrances.
Clarify whether you prefer fixed or variable interest rates. Evaluate how the loan tenure impacts your monthly repayments and total interest. A longer tenure may offer smaller monthly payments but could increase overall cost.
Just because your property qualifies for a high loan amount doesn’t mean you should borrow to the limit. Borrow responsibly based on actual business needs and your ability to repay without straining operations.
Professional advisors familiar with property-backed SME loans can match your business profile with suitable lenders, help 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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