SME Business Loan

Business loan is usually taken up when you need to sustain your day to day activities, business expansion or to increase product inventory to be able to meet with the demand. Businesses and startups always fail when it comes to funds and extra resources, this is crucial to take them to the next level and most SME or startups are not able to overcome this factor, resulting in closure or winding up.

Loans that SME commonly take up are usually S$10,000 and above depending on your niche and industry. Say for instance, you have a popular cafe with many walk-ins on a day to day basis, in order to keep up, you need to order more supplies and raw ingredients to not run out of food for your customers. Hence you are caught in a dilemma, to use the current funds that you have to order more ingredients? But that is meant for your future monthly rentals. This is a very good example that is holding back many SMEs and startups and if decision making is not done right, it could make or break your business.

It is difficult to get loans from banks as the application procedures and processes may take up too much time resulting in opportunity loss. Friends and families would be the last resort to turn to. Besides, the interest rates that local banks are providing are simply way too high, which makes the loan not worth taking out in the first place if you have done your calculation. Not all business need a long term repayment scheme, some may just need to tide over just for the current month or even for a couple of weeks till other payments come in from various vendors.

What To Expect When Taking A Loan At Credit Hub?

Here at Credit Hub Capital, we offer competitive, attractive interests rates that are one of the lowest you can find in the market now. We understand that business owners value their time as many would have heard this famous phrase that “Time is money”. We understand the annoying waiting time to wait for approval from banks and other financial institutions. Hence we have devised a quick and simple application process for all SMEs and Startup business owners. If related documents are being provided, we are able to get you your funds in no time! We want to minimise the waiting time and allow your business operations to continue running as per normal. We are able to tailor your package anything from the repayment dates or monthly repayment amount to ensure that you are not tight at your end as well.


You are required to submit these documents to begin the processing of your loan application:

  • Bank statements of your business within the last 6 months
  • A tenancy contract for your existing business site
  • NRIC/ID/Passport of your company’s owners or directors
  • Most recent ACRA printout
  • Local incorporated corporation/firm
  • Latest 3 to 6 months:
  • 1) Corporate Bank Account Statements
  • 2) Balance Sheet
  • 3) P & L Statement
  • Title deeds / Proof of assets (Secure Loan)
  • Company seal/stamp

Upon verification and checks done, your loan amount will be disbursed to you at the quickest time. Why wait and cripple your business when you can make the right choice today!

Apply for SME Business Loan

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Terms and Conditions

Only 21 years old and above is eligible for loan application.

To preserve the confidentiality of all information you provide to us we maintain the following Privacy Principles.

We only collect personal information that we believe to be relevant and required to understand your financial needs.

By clicking "Submit" and providing your personal data, you consent to Credit Hub Capital contacting you via the telephone and email for the loan application purpose.

We will only use any information collected as minimally as possible, mainly to assist us in customising and delivering loan packages that are of interest to our customers.

We will not make unsolicited requests for customer information through email or the telephone, unless customers initiate contact with us.

We have established strict confidentiality standards for safeguarding information on our customers.

Credit Hub Capital will not use or disclose information collected from you other than for the purpose made known to you, authorised by you or required by the Law.

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