Enterprise Financing Scheme · 01 of 04

Working Capital Loans for Singapore SMEs

Cover payroll, restock inventory, or bridge the gap between invoicing and getting paid — without giving up equity or waiting weeks on a single bank's decision.

What is a working capital loan?

A working capital loan is short-to-medium term financing designed to fund your day-to-day operations rather than a specific asset purchase. Unlike a term loan for expansion, it's built for flexibility and speed — most facilities can be structured within days once documentation is in order.

Who it's for

  • SMEs facing seasonal cash flow fluctuations
  • Businesses waiting on outstanding invoices
  • Companies needing to fund payroll or supplier payments quickly

What you'll typically need

  • ACRA business profile
  • Latest 6–12 months of bank statements
  • Financial statements, if available
  • Minimum operating history — this varies by lender; we match you based on your business age

Why go through Reliance Advisors instead of applying directly

We compare offers across multiple licensed lenders so you're not stuck with the first quote you get. One application, multiple options, and we coordinate the paperwork so you're not chasing several lenders yourself.