Personal and Business Loan | One-Stop Financial Singapore

Personal Loans

Personal loans provide unsecured financing for various needs - from debt consolidation to major purchases. Unlike secured loans, personal loans don't require collateral but typically have higher interest rates.

Types of Personal Loans

Personal Instalment Loan

Fixed amount borrowed with fixed monthly repayments. Good for planned expenses.

Personal Line of Credit

Revolving credit you can draw as needed. Pay interest only on what you use.

Debt Consolidation Loan

Combine multiple debts into one loan with lower interest rate.

Renovation Loan

Specifically for home improvements. Lower rates than personal loans.

Business Loans

Business loans help companies manage cash flow, expand operations, purchase equipment, or fund working capital needs. Various financing options are available depending on your business stage and requirements.

Types of Business Financing

SME Loan

Working capital and business expansion for small-medium enterprises.

Trade Financing

Financing for import/export businesses. Letters of credit, trust receipts.

Equipment Financing

Purchase or lease machinery and equipment for your business.

Commercial Property Loan

Financing for office, retail, or industrial property purchase.

Government-Assisted Financing

Enterprise Singapore offers various schemes to help SMEs access financing:

Enterprise Financing Scheme (EFS) - Government risk-sharing for SME loans
Temporary Bridging Loan Programme - Working capital support
SME Working Capital Loan - Up to $500,000 for operational needs

Before Applying

Check your credit score and history
Calculate how much you actually need
Compare interest rates and fees from multiple lenders
Understand the repayment terms and penalties
Ensure you can afford the monthly payments

Personal & Business Loan