Running a business often means facing cash flow pressure, growth constraints, or unexpected disruptions.
SME loans can be a powerful enabler and power levers — but only when applied at the right time, for the right purpose, and with a clear business direction.
SME Loan Consultation is a structured advisory process that helps business owners decide if, when, and how financing should be used to support their business objectives.
At Finnex, we believe that obtaining a SME Loan is not the goal.
The real goal is to ensure that business financing:
We help founders and business owners decide whether financing is the right move, and if so, structure it responsibly within their broader business strategy.
That is why our SME Loan Consultation begins before any application is made.
Not sure if a loan is the right answer?Clarify Your Financing Decision → Start with a Founder Diagnostic.
SMEs play a critical role in Singapore’s economy — accounting for:
99% of enterprises
48% of GDP
65% of total employment
To support this, a wide range of SME financing options is available, including working capital loans, term loans, and government-supported facilities.
However, access to financing does not automatically mean it is the right decision.
Many SMEs encounter difficulties because:
loans are taken without aligning to cash flow cycles
financing is used to mask deeper operational issues
repayment obligations constrain future growth
This is why SMEs should seek loan consultation before committing to any facility.
Many businesses rush into business financing under pressure — only to face:
heavier repayment burdens
misaligned loan structures
cash flow stress months later
Before applying for any SME loan, it’s critical to clarify:
Is financing solving the real problem — or masking it?
Should the business prioritise restructuring, grants, or strategy adjustment instead?
What loan quantum and tenure are actually sustainable given current and projected cash flow?
How will repayments affect growth, dividends, or future funding?
This is where most loan applications go wrong — not because of paperwork, but because of poor decision sequencing.
At Finnex, we help founders pause and assess these questions through a structured diagnostic approach, so that financing decisions are made with clarity — not urgency.
Our SME loan consultation is designed for founders and business owners who want clarity, not just approval.
We begin by understanding your business model, revenue stability, cash flow cycles, debts obligations and growth or sustainable objectives.
This allows us to assess whether a loan is approriate at all.
If financing makes sense, we help determine the suitable loan type, optimal loan quantum, risk exposure and downside scenarios, and repayment structure aligned with cash flow based on your business performances with our proprietary tool, L.E.L.A*, up to 85% accuracy.
This ensures financing supports the business and not burdens it.
Where appropriate, we assist business owners to position the business case, navigate discussion and negotiate loan structures with selected financiers within a network of 60+ unique financiers to protect you and your business creditworthiness.
Our role is not to “push loans”, but to support well-considered financing decisions.
SME Loans are often one component of a larger solution or requirement.
Depending on your business stage, alternatives or complements may include:
Our role is to help you choose the right combination and better your business, not default to debt.
Unclear which path fits your situation?
Start with clarity, not commitment.
This service is suitable sme SMEs that:
It may not be suitable if you are only looking for:
Finnex work best with founders and business owners who value thinking before execution.
Finnex is a management consultancy focused on Globalisation and Sustainability, partnering with 60+ Financiers and equipped with a Global Partner Network.
Our SME loan consultation is designed for founders and business owners who want clarity, not just approval.
We support business paving the path for their Growth, Sustainability & Stability using Finnex G.S.S. Framework™ by:
Loans and grants are tools.
Sounds decisions come first.
At Finnex, our focus is not on promoting specific loan products, but on ensuring the financing structure supports business stability and growth with these comprehensive range of SME loan products that best fits their business needs.
Financing 100% value of the supplier invoices billed to you. A trade finance is a line of credit that allow the SME to have lesser strain on their purchases by paying on behalf first, more time to liquidate their inventory (varies dependent on your trade cycle) and increase its total working capital that also increase:
Up to 90%* financed value of customer invoices. Factoring (Invoice Financing) is when a supplier borrows money from a third-party financial company called a “factor” by selling its invoices (receivables from customers) at a discounted rate and paying a percentage of the invoice amount to the lender as fee for borrowing money.
Up to S$500,000 limit can be taken. Risk share is at 50%. Young enterprises may receive a risk share of 70%. The borrower is responsible to repay 100% of the loan amount. When defaults occur, the Participating Financial Institutions (PFIs) are obligated to follow their standard commercial recovery procedure, including the realisation of security, before they can make a claim against Enterprise Singapore for the unrecovered amount in proportion to the risk-share.
Up to S$3M collectively, a Business Term Loan is the Financier’s in-house loan that is granted to help companies by providing the right amount of funds to implement new systems, upgrades, and other related projects and investments to grow their operations and give better services or products to customers.
This program has ended. Temporary Bridging Loan Programme (TBLP) was initiated by Enterprise SG in 2020 to allow SMEs in Singapore to have greater access to working capital needs arising due to Covid-19 outbreak. TBLP will be ending on 30th September 2022 as announced in this year’s budget announcement and commands the lowest interest unsecured term loan where SMEs can use for daily operational needs and expansion.
Secured Business Overdraft (with collateral) and Unsecured Business Overdraft (without collateral) are the two types of Business Overdraft facility that will allow you to utilize monies from your bank account event if it has insufficient funds in it. You can have ready access to cash when it is needed to support daily operations or as a contingency fund on standby.
Up to 80% Loan-to-Value, a Property Term Loan is derived from the unencumbered/paid up value of your property, be it residential or commercial. This can be used to finance your investment in your business with the lowest cost of borrowing one can possibly get.
Up to 90% of purchase price or valuation of the machinery and equipment. SMEs seek for this to purchase new and/or used industrial machinery and equipment to make their operations and outputs more efficient. It is a secured loan with the equipment or machinery as collateral.
Supply Chain Finance is a structured facility that allows the SMEs trade cycle to be covered from Front till Back except during the pre-shipment stage.
Not always.
However, if you are:
unsure whether a loan is the right solution
deciding between financing, grants, or restructuring
concerned about repayment impact on cash flow
a Founder Diagnostic provides a structured way to assess options before committing to any loan facility.
No. Finnex is a management consultancy, not a loan brokerage.
While we support businesses in navigating financing discussions where appropriate, our primary role is to help founders evaluate whether taking on debt is the right decision, and how financing fits into a broader business strategy.
Yes.
In many cases, businesses discover that alternatives such as:
Enterprise Development Grant (EDG)
Market Readiness Assistance (MRA)
business restructuring
strategic or sustainability initiatives
may be more suitable than debt. Finnex supports businesses in identifying and sequencing the right tools for their situation.
SME Loan Consultation is an advisory process that helps business owners assess whether financing is appropriate for their situation, and if so, how it should be structured responsibly.
At Finnex, SME loan consultation goes beyond application support. We focus on helping founders make informed financing decisions that align with their cash flow, business objectives, and long-term sustainability.
The Founder Diagnostic is a 90-minute structured advisory session focused on:
understanding your business and cash flow realities
identifying the root issues behind financing needs
clarifying whether loans, grants, or other actions are more appropriate
outlining practical next steps
It is designed for clarity and decision-making, not selling.
The fee for a Founder Diagnostic is typically SGD 2,500, disclosed transparently before engagement.
This session is intended for founders who value thoughtful assessment and want to avoid costly financing mistakes.
SMEs typically seek loan consultation when:
facing cash flow pressure
planning for growth or expansion
considering refinancing existing debt
navigating uncertainty around financing decisions
Engaging early before applying helps prevent misaligned loan commitments.
If you are considering an SME loan and want to make a well-informed decision, we recommend starting with a Founder Diagnostic.
This allows you to assess your situation clearly before committing to financing, grants, or other strategic actions.
If you are considering an SME loan and want to make a well-informed decision, a structured diagnostic conversation can help you assess whether financing is the right next step and if so, how to approach it responsibly.
90-minute structured session
Focused on decision clarity, not selling
Designed for founders navigating financing, growth, or restructuring decisions
Fee typically @ SGD 2,800, disclosed transparently before engagement
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