Up to S$500,000, 7–11% p.a. · 02 of 04

Business Term Loans for Growing SMEs

A lump sum with a fixed repayment schedule, so you can plan around predictable monthly costs as you open a new outlet, hire a bigger team, or invest in growth.

What is a business term loan?

A lump-sum loan repaid over a fixed period, typically one to five years, used for growth initiatives rather than short-term cash flow needs.

Common uses

  • Business expansion or new outlet setup
  • Hiring and scaling operations
  • Renovation or equipment upgrades
  • Refinancing existing higher-cost debt

What lenders look at

  • Business track record — most require 1–2+ years operating history
  • Revenue and profitability trends
  • Existing debt obligations
  • Director's personal credit standing, for some lenders

How Reliance Advisors helps

Different lenders have very different appetite depending on your industry and business stage. We know which lenders are actively approving loans for businesses like yours right now, saving you from multiple rejected applications hurting your credit profile.