SME Business Loans

Build your future when you restore your past

  • Perfect for self-employed individuals
  • Flexible monthly repayment terms
  • Loan up to $200,000

How Does A Business Loan Work?

A business loan doesn't just mean getting yourself into deeper debt. A working capital loan is about giving you the flexibility and room to maneuver yourself during these difficult times. It is setting yourself up for bigger opportunities that come your way.

With the ability to help you access the funding you need, our personalized loans for SMEs will help you fill your cash flow gaps, fill up your inventory, and cover all your short term business needs while the business recovers from its financial hurdles.

With a minimum annual revenue of SGD60,000, entrepreneurs can borrow SGD $10,000 to $200,000.

It is giving your business everything it needs.

Get Loan in 4 easy steps

#1. Call or Apply online

Call us at 6345-9123 or simply apply online here and set an appointment with us at your convenience.

#2. Visit Our office

If you have an appointment, come into our office and we'll help you create a customized plan that fits your business's needs and repayment ability.​

#3. Finalize Loan plan

Agree on all terms, including the payment and permitted fees on your new loan plan.

#4. Receive cash Instantly

Once the contract is signed, you will receive your cash loan within the hour.

What customers are saying

  • 144 reviews on
  • review rating 5  A very pleasant experience in Bugis Credit with the company loan officer Jacob. The whole borrowing process is hassle free and professional. They do give a great customer service and reliable image. A big shout out to Jacob for his customer service provided. Obviously, they are the best, safe and reliable licensed money lender in Singapore from you to seek a loan!

    thumb Wesley Chuah

    review rating 5  Good and fast services. All the details explained clearly. Will recommend to those who need urgent money.

    thumb Qiqi C

    review rating 5  Fast and efficient trustworthy legal ,can look for consultant Jacob phang very friendly and helpful

    thumb Lee Yunloong Eugene

    review rating 5  Jen is a friendly and helpful staff that served very well. Thanks for the good service. Highly recommend !

    thumb bobo phang
  • review rating 5  Their service is great. The loan officer explained every single detail to me until I understood all the personal loan terms and conditions. The admin fee and interest rate was reasonable as well. Good Licensed Moneylender!

    thumb John Kevin


Your Business or Company must be registered in Singapore

Your Business must be Operational for at least one year

Your Business has a Minimum Turnover of SGD60,000

Documents Required for Business Loan

  • All directors and partners NRIC
  • Recent information report (Business Profile) from the Accounting & Corporate Regulatory
  • Recent Income tax assessment notice (both personal & from the company)
  • Recent financial statement
  • Recent invoices or business contracts
  • Recent utility bills under the company name
  • Recent 6-month bank statements
  • List of assets owned by the company, directors & partners (if any)
  • Office / shop tenancy agreement (if any)

Ready To Get Your Loan?

Request for a quotation from our friendly officers by filling out the form below

Frequently Asked Questions

Yes, you can. We welcome all business owners who need business financing and working cash flow to apply for their financing with us. However, we are also only able to support businesses that meet the following criteria. This isn’t an exhaustive list so please check our eligibility section for further details.

  • Your business has been in operation for over a year, 
  • Has an annual minimum turnover of SGD60,000, 
  • Is registered in Singapore


Anyone seeking out an SME loan with the banks would traditionally need to provide full information about their business plans, their cash flow, initial expenses, and the soonest time they can provide a return on investment for the business and the full business loan repayment to the bank plus interest. In addition, banks can and will take into account of the owner’s credit scores and histories.

The process could take several months before the loan is approved.

However, if you’re working with Bugis Credit, you wouldn’t need to wait quite as long. We do not take into account your credit history, merely your ability to repay the loan. As soon as you present your business’ proof of income based on its initial performance, we’ll have your amount ready and approved within two working days.


You can take out an unsecured SME loan in Singapore. However, please note that you would only be able to take out a smaller amount, at a higher interest rate and shorter repayment period and terms.

It would, therefore, be better for you to take on a secured loan if you want a larger loan amount with better interest rates and favorable repayment terms. 


Before getting a loan, it is important to consider what you are using your SME loans for, the loan amount you’re seeking, the likely interest rate that could be charged to you and if you are a new business or an established business.

You’ll need to know if you are eligible for taking on that business loan. Singapore banks and other traditional financing companies are generally more risk-averse, so getting your loan application approved could be difficult, especially during an emergency.

The requirements and eligibility depend on the type of business loans or SME loans you are getting. Please visit here to see if you are eligible to apply.

Our Business Loan Contract will have standard terms that are common to all business loan agreements. As a borrower, you would need to know what common terms would appear in the contract and any specific terms which are adapted to the requirements of the loan.

Before signing, our loan officers will walk you through all the terms and conditions of the contract to ensure that all the terms are clearly understood and agreed upon by both parties in order to protect your interests.  

There are several advantages when taking out a business loan. However, keep in mind that the loan should only be taken out for its intended purposes only, and any deviation from its original purposes could result in your business falling into deeper debts.
  • You have debts to repay 
  • You’re giving your business a fighting chance
  • You want to expand the business
  • You need the cash flow to keep the day to day operations running smoothly

A business loan can also be a disadvantage to you if taken out without knowing the risks. Here are some things you must keep in mind before signing the loan application agreement.

  • If you have a lower credit score, you could have higher interest rates and shorter loan repayment periods 
  • The amount you borrowed, when coupled with the interest rates, could be higher than what your business is able to take on
  • If you need a higher amount, you need to find a guarantor or asset to secure the amount you need
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