Finnex Singapore

SME Loan Consultation

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Service Descriptions

SME Loan Consultation

Here at Finnex, we believe that the best way to help an SME is to equip the business owners with a better understanding of their business position, to always be truthful and realistic, and to always carry their best interest in mind.

Having over 30 years of collective corporate finance consulting experience and a network of more than 55 unique Financiers in Singapore, we have the expertise and experience to assist business from various industries.

Utilizing our proprietary tool, L.E.L.A., we create highly accurate assessments that allow us to better plan and recommend the best suited financial facilities for our clients, paving the path for their Growth, Sustainability & Stability (G.S.S.).

What to expect for
your business:

  • Goal-oriented Premium Service
  • Hassle-free Engagement
  • Credit Protections
  • Highest Quantum Suitable
  • Lowest Interest Possible
  • Fastest Approval Realistically
  • Fund Utilization Plans & Recommendations
  • Success-based Fees Charged
5 Steps Journey Finnex
Help Your Business
*Applicable for SME Loan Consultation only.
01 Understanding

We want to understand your business and/or your goals so to ensure your expectation can be met with the crafted solution.

02 Screening

We collect the necessary documentation to analyze on your business performances and its loan eligibility with our proprietary tool, L.E.L.A*, up to 85% accuracy.

03 Analyze

According to our analysis and assessment, we aim to achieve managed expectation with our craft solutions with selected financiers in our network to protect you and your business creditworthiness

05 Fund Utilization

That’s not the end, we want you and your business to soar greater heights with our Fund Utilization Plan* and advance planning to close working capital gap experienced from your growing business.

04 Approval

Acquire and accept the approval(s) duly subjective to financiers’ credit assessments and our negotiations with them.

01 Understanding

We want to understand your business and/or your goals so to ensure your expectation can be met with the crafted solution.

02 Screening

We collect the necessary documentation to analyze on your business performances and its loan eligibility with our proprietary tool, L.E.L.A*, up to 85% accuracy.

03 Analyze

According to our analysis and assessment, we aim to achieve managed expectation with our craft solutions with selected financiers in our network to protect you and your business creditworthiness

04 Approval

Acquire and accept the approval(s) duly subjective to financiers’ credit assessments and our negotiations with them.

05 Fund Utilization

That’s not the end, we want you and your business to soar greater heights with our Fund Utilization Plan* and advance planning to close working capital gap experienced from your growing business.

Goals of Consultation

  • Minimize Working Capital Shortfall
  • Improves Company’s Financial Standings in the eye of Financiers
  • Maximize Loan Efficiency

Key Financial Products​

Up to S$1M for eligible borrowers w.e.f. 1st April 2022. Temporary Bridging Loan Programme (TBLP) is initiated by Enterprise SG in 2020 to allow SMEs in Singapore to have greater access to working capital needs arises 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.

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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 the capacity to do more businesses.

See More

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.

See More

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.

See More

Up to S$5M 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.

See More

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.

See More

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.

See More

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.

See More

Supply Chain Finance is a structured facility that allows the SMEs trade cycle to be covered from Front till Back except during pre-shipment stage.

See More

Up to S$1M for eligible borrowers w.e.f. 1st April 2022. Temporary Bridging Loan Programme (TBLP) is initiated by Enterprise SG in 2020 to allow SMEs in Singapore to have greater access to working capital needs arises 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.

See More

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 the capacity to do more businesses.

See More

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.

See More

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.

See More

Up to S$5M 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.

See More

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.

See More

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.

See More

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.

See More

Supply Chain Finance is a structured facility that allows the SMEs trade cycle to be covered from Front till Back except during pre-shipment stage.

See More
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