Financial Services

We work closely with local and international banks to facilitate loans for Small and Medium-sized Enterprises (SME). With zero upfront fees and an experienced team of business advisors, we help companies with their growth financing.

Our Services

Business Loan

We provide a variety of business loans that include installment loans, overdraft loans, fixed-term business loans, invoice loans and equity loans.

Trade Loan

We offer a spectrum of trade loans and facilities that include letter of credit (LC) as well as trust receipts (TR).

Working Capital Loan

We offer working capital loans including secured or unsecured loans, line of credit, short-term loans and sales orders loans.

Machinery Loan

We provide financing solutions for a wide range of machinery, vessel and vehicle purchasing needs with attractive interest rates and flexible repayment periods.

Property Loan

We offer a versatile range of property loan packages, from fixed and floating rates to CPF OA rates. Our loans include refinancing loans, bridging loans, renovation loans and commercial property loans.

Who Is Eligible

  • Sole-Proprietor
  • Property Ownership
  • Partnerships
  • Private Limited Companies
  • Unlisted Public Listed Companies


Highly recommended service provider. I was connected to Vincent & he provided me with all the information & advice required for my loan. He was always available to provide me with the right unbiased view and my experience was almost entirely seamless. I highly recommend SME Capital to help out in all your needs in securing loans for you. Not to mention, SME Capital whole team was amazing too, they are very systematic in their approach and absolutely professional team. Securing loans from the banks will be a breeze with their help.

Eric Seng

Managing Director, Electrical company

I have come to know SME Capital Group in 2018 when they successfully get my loan approved for my two working capital companies. I was amazed by their proper workflow and in-depth study of my financial situation and a group of dedicated members. I must say they are very professional, from bringing bankers, guiding me, submitting all the necessary documents to their invaluable advice, never fail to obtain the result I expected. I’ll continue to support them by introducing SME owners where the loan application is concerned. Thank you, Vincent!

Sally Peh

Business Owner (Retail)

The efficient team in getting a loan approved with the fastest turn around time! Kudos to Vincent, Alice & Derica 👍 Retaining customers are their key to success!

Sally Chew

Business Owner

Why Choose Us

At SME Capital, we are customer-centric have a long track record of financing companies across the various industries. Our pricing is based on value and we focus on maximizing the amount of money you receive no matter the purpose of the loan.