Financing Solutions Built for Singapore SMEs

We help SME owners secure the right financing solutions with speed and at an affordable price — without hidden commissions or fine print.​

The Right Capital At The Right Time

Every SME faces different financial needs at different stages of growth. Whether you require working capital for daily operations or structured financing for expansion, our role is to help you evaluate your options clearly before committing.

We work with multiple financing partners to structure solutions that align with your business profile and long-term objectives.

Our Financial Solutions

We support a wide range of SME financing needs across industries.

SME Working Capital Loan

To finance day-to-day business operations such as payroll, inventory purchases, rent, and utilities.

Typical loan amount:  Up to S$500,000 per borrower (EFS scheme)Typical tenure: 1–5 yearsCommon sub-loan products
  • SME Working Capital Loan (EFS-WCL)
  • Business Overdraft / Revolving Credit
  • Inventory Financing
  • Short-term Working Capital Facility

Business Term Loan

Larger quantum loans used for expansion, business investments, acquisitions, or large operational expenses.

Typical loan amount:
S$700k – S$2M (can be higher depending on bank)

Typical tenure:
1–5 years (some banks extend up to 10 years)

Common sub-loan products

  • Secured Business Term Loan
  • Unsecured Business Term Loan
    Project Loan
  • Expansion Loan
  • Acquisition / M&A Loan
  • Venture Debt Loan

Startup / Business First Loan

Designed for young businesses (6–36 months old) that may not yet have strong financial history.

Typical loan amount: Up to ~S$100,000Typical tenure: 1–5 yearsCommon sub-loan products
  • Business First Loan
  • Startup Loan, Micro SME Loan
  • Early-stage Enterprise Loans
  • Venture Debt (for VC-backed/non-backed startups)

Invoice Financing

(Accounts Receivable Financing)

Loan secured against unpaid customer invoices to improve short-term cash flow.

Typical loan amount: 70–90% of invoice valueTypical tenure: 30–120 days (until invoice payment)Common sub-loan products
  • Invoice Financing
  • Factoring (with / without recourse)
  • Invoice Discounting
  • Accounts Receivable Financing (Notified / Non-Notified)

Trade Financing

Financing for import/export transactions, inventory purchases, and cross-border trade.

Typical loan amount:
Transaction-based (may reach millions per trade line)

Typical tenure:
30 days – 1 year (short-term)

Common sub-loan products

  • Letter of Credit (LC)
  • Import Financing
  • Export Financing
  • Trust Receipt Financing
  • Shipping Guarantee
  • Bank Guarantees
  • Documentary Collection
  • Pre-shipment / Post-shipment Finance
  • Supply Chain Financing

Equipment / Machinery Loan

Loan used to purchase business equipment, machinery, IT systems, or vehicles, usually secured by the asset.

Typical loan amount:
Up to 90% of equipment value

Typical tenure:
3-7 years (sometimes renewable annually)

Common sub-loan products

  • Equipment Financing
  • Machinery Loan
  • Asset Financing
  • Equipment Leasing
  • Hire Purchase Financing
  • Technology Equipment Loan

Property Loan

Loans used to finance the purchase, construction, refinancing, gear up or cash out of property. These can include residential, commercial and industrial properties.

Typical loan amount:
Up to 75-80% of property value depending on borrower profile and regulations

Typical tenure:
Tenure structure varies

Common sub-loan products

  • Equity Term Loan
  • Property Refinancing Loan
  • Property Gear Up Loans
  • Mortgage Loan
  • Private Property Loan
  • Bridging Loan (property purchase)
  • Commercial / Industrial New Purchase Property Loan
  • Construction Loan
  • Property Development Loan

ESG Loans

(Enterprise Financing Scheme)

Designed for young businesses (6–36 months old) that may not yet have strong financial history.

Typical loan amount:
S$500k – S$30M depending on loan type and project

Typical tenure:
Up to 5-15 years depending on loan type

Common sub-loan products

  • Green Loan (EFS-Green)
  • SME Working Capital Loan (EFS-WCL)
  • SME Fixed Assets Loan (EFS-FA)
  • Venture Debt Loan
  • Trade Loan (EFS-TL)
  • Project Loan (EFS-PL)
  • Mergers & Acquisitions Loan (EFS-M&A)

Bridging Loan

Designed for young businesses (6–36 months old) that may not yet have strong financial history.

Typical loan amount:
Up to S$1M

Typical tenure:
3 to 12 months

Common sub-loan products

  • Temporary Bridging Loan Programme (TBLP)
  • Business Recovery Loan
  • Short-term Bridge Financing

Our Transparent Rates

Step 1

Assessment & Business Profiling

Deep dive into your financial position, credit standing, and funding objectives.

Step 2

Service Agreement

Clear documentation of scope and fixed advisory fee agreed upfront. No ambiguity. View our rates.

Step 3

Application Strategy

We match you with suitable lenders and professionally package your case.

Step 4

Offer Review & Consideration

We break down interest structure, fees, covenants, early repayment clauses & risk exposure, so you understand implications before acceptance.

Step 5

Disbursement & Beyond

We remain your financing partner for future needs. At Connect Capital, our role goes beyond simply securing financing.

Our Transparent Process

The Right Capital At The Right Time

Every SME faces different financial needs at different stages of growth. Whether you require working capital for daily operations or structured financing for expansion, our role is to help you evaluate your options clearly before committing.

We work with multiple financing partners to structure solutions that align with your business profile and long-term objectives.

Every SME faces different financial needs at different stages of growth. Whether you require working capital for daily operations or structured financing for expansion, our role is to help you evaluate your options clearly before committing.

We work with multiple financing partners to structure solutions that align with your business profile and long-term objectives.

Our Transparent Rate Card