Business Loan Singapore

Business Loans: Raise Working Capital, Company Funding, SME Loan, Startup Business Financing Singapore

Whether it’s raising capital to grow your business or financing your new start-up, there are many risks to undertake and many costs and processes you have to incur.

As if that’s not hard enough, getting a bank loan in this tough business environment seems to be impossible for many SMEs.

118 Credit understands this. We know how stressful it is to run or start a business. That’s where our business loans come in. We offer loans for businesses of every size and need. Choose from a range of SME working capital loan and SME micro loan packages for small businesses, or investment business loans for larger businesses.

SME Loan Features and Benefits in Singapore

Better Interest Rates for a Lower Cost

Attractive interest rates over the loan tenure, one of the lowest in Singapore.

Super Simple Application

With such little paperwork required, it’s the most hassle free loan application ever

Fast Approval, Instant Cash Disbursement

Get your loan status in just minutes and funds disbursed on the spot.

Apply for a Business Loan with 118 Credit

Get An Instant In-Principle Approval And Collect Your Money On The Spot!

Apply for a Personal Loan with 118 Credit

Eligibility Requirements for Business Loan

We don’t discriminate based on the size or revenue of your business. But we’ll need basic business information such as the niche of your business, company’s financial statements and income tax reports for the period.

Here’s all you need to qualify for a business loan:

Business Loan Requirements

  • Proof that applicants are at least 21 years of age and above
  • Proof of a Singapore incorporated corporation/firm
  • The most recent printout of your ACRA
  • NRIC/Work pass/Passport of ALL directors/shareholders/partners
  • A tenancy agreement of your business location
  • Your latest balance sheet (if applicable)
  • Your company seal or stamp
  • Proof of assets or title deeds for our secured loans that involve lower interests

Business Loan Process


All you’ll need to do is full in an online business loan application form so that we can make the process faster. Our loans assistant will call you within the day to inform you of the documents to prepare.


During our appointment, we’ll tailor a package that is comfortable for you and most beneficial for your business. We’ll also take you through the repayment schedule and all the payments. No hidden fees or charges!


Once everything’s in order, just sign the loan agreement and the funding is yours!

Why Choose 118 Credit for your Business Loans?

Easy Applying and Fast Processing

Schedule an appointment, submit your documents, sign the loan agreement. Done!

Customizable Loan Products

Get a custom Business Loans Singapore package that suits your specific business needs.

Flexible Repayment Schedules

Stretch your repayment periods so you have better cash flow for your business.

Quick Disbursement

Time waits for no one in this competitive environment and good opportunities don’t come by often. That's why as long as all the necessary documents are in order, the funding is yours.

Top-notch Customer Service

Your success is our priority and our team is ever ready to help you throughout the process.

Apply for a Payday Loan with 118 Credit

Get An Instant In-Principle Approval And Collect Your Money On The Spot!


Here are some of our Frequently Asked Questions that we get from most of our clients. Do take some time browsing through and we hope you may find the answers you are looking for!

Money Loans Offered in Singapore

We offer a range of different loan types based on your needs. It doesn’t matter if you have a bad credit history, or low-income, the best money lender for you is 118 Credit!

How to find us

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