SME Business Loan

For business’ growth and expansion. We support your business’s investments, such as acquiring new space, buying more inventory, or just keeping your company afloat.

  • Easy approval (business only needs to be operational for 1 year)
  • Flexible repayment tenures
  • Unsecured loan – No collateral/pledging of assets needed!
  • SMEs and business startups are a crucial segment for Singapore’s economy. And Fortune Credit vows to never stop supporting this economic growth driver in times of need.
  • With a loanable amount of up to $200,000, our SME business loan can help keep the business afloat, especially during an economic crisis.
Laptop Business Loan

Application Process

Apply for a loan in 3 easy steps

Call or Apply Online

  • Apply from the comfort of your home with a few clicks using our online facility. You may also reach us at 6777 1887

Visit Our Office For In-Person Consultation

  • Our consultant will schedule an appointment for you to further discuss the terms and conditions of your loan plan.

Receive Your Cash on the Same Day

  • Get your cash loan as soon as the agreement has been signed


  • The business must be registered in Singapore
  • Should be operational for at least one (1) year
  • Has a minimum turnover of $60,000

Documents Required For Business Loan

  • All directors and partners NRIC
  • Recent information report (Business Profile) from the Accounting & Corporate Regulatory Authority (ACRA)
  • 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)


Google 4.9 Stars

Fortune Credit: Fast Cash Legal Moneylender Personal Loan Singapore Bugis IconFortune Credit: Fast Cash Legal Moneylender Personal Loan Singapore Bugis

470 North Bridge Road, #02-01A Bugis Cube

4.8 135 reviews

  • Avatar Ash Koh ★★★★★ in the last week
    I could say the experience of this place gives me good vibe from the start. Clean, professional looking. … More Upon closer interactions, they provide me with very professional advise on the amount I could get and also seek my permissions for things in a responsible way. In a way, you would not go wrong using their service!
  • Avatar Joe ★★★★★ 5 months ago
    Strongly recommend Fortune Credit. Miss Albee and her colleagues are very patience, understanding, dealing … More in a professional service especially dealing with credit loan. Albee is positive , experience and she explained clearly and slowly in detailed about licensed credit. Albee can explain clearly step by step in details. Before coming to the office, Albee reviews your background to understand more about you.
    So she can help you more to solve your finance. Albee is very responsive and she smiles all the way.
    I strongly recommend Albee is BEST 5 STAR for Fortune Credit.
  • Avatar Shivarajendran J G ★★★★★ 5 months ago
    It was the first time for me and Mr Dan Tan and Mr Eric who handled my application were nothing short … More of professional, polite and helpful. Mr Dan was very quick to reply to my mail query and Mr Eric who handled my application in the office was very pleasant. The whole process lasted just under an hour and they helped me solve my cash needs with a very attractive Pay Day Loan. Thank you Fortune Credit!!
  • Avatar Shahrulfaiz Juwari (Boy Faez) ★★★★★ 7 months ago
    My first time experience at this place gave me the need to post this review. The staffs are helpful and … More understanding of our needs, and not to mention they are professionals. Even offered me a charger as my hp was dead. The staff who attended to me tried her best for my loan approval and finally thanks to their management, my loan was approved! All it takes was less than 45 mins. Flexible repayment schemes and very low interest compared to banks! Highly recommended!
  • Avatar Nora S ★★★★★ 5 months ago
    This is my first time going to licence moneylender. Skeptical about this but i need fast cash and can't … More wait for bank's processes all. Spoke to one of the staff, Dan. He sounds friendly and professional too over the phone. In summary the processing to get immediate cash is really fast, you will get in on the spot. And importance is trust and rapport, which i'm glad that this company have such values.

Make a Deal

Feel Free to Borrow Anytime!

Get a free consultation and quote from our professional loan officers now!

Business Loan FAQ

All eligible entrepreneurs and business owners who need funding for their business’s growth can avail of Fortune Credit’s Singapore business loans. We are committed to providing the best business loans in Singapore for all business owners. However, applying for a Singapore business loan undergoes procedures and each business should meet the following criteria. But unlike government-assisted temporary bridging loans, this isn’t an exhaustive list of criteria. Please check our eligibility section for further details.

Each business owner can use these business loans in Singapore for the following long-term or short-term investments:

  • Buy more inventory or products
  • Purchase new equipment to address production increase
  • Acquire a new office space
  • Keep the business afloat

As for the eligibility requirements, you must meet the following criteria:

  • The business must be registered in Singapore
  • Should be operational for at least one (1) year
  • Has a minimum turnover of $60,000

Business loans in Singapore are typically borrowed to expand business or make the cash flow steady in every business, helping the businesses expand or carry over through tough times. But in each phase of business, you need to keep in mind the interest rate and loan repayment period. Typically, business loan amounts and repayment period can be negotiated depending on the business loan plan offered by the moneylender.

As per the regulation of the Singapore Ministry of Law, all moneylenders can only set a maximum interest rate cap of 4% per month for all personal loans. Any interest rate above this amount will subject the moneylender to licensure review provided they have to comply with the imposed interest rate cap. However, the maximum interest rate of 4% does not apply to business loans in Singapore or SME working capital loans.

The interest rates for a business loan offered by Fortune Credit range from 5% to 15%. This business loans interest rate will be calculated and presented by our loan officers to help you understand how the interest rate is being applied to your contract. As a borrower, you need to make sure you understand how much interest rate will incur on your loan, our loan officer is here to help you understand the different factors that make up your loan agreement.

A licensee may impose in respect of every business loan granted by the licensee, the following costs, charges and expenses that have been agreed to by the borrower:

(a) A fee for each occasion of late repayment of principal or late payment of interest (including any late interest);

(b) A fee for each occasion the terms of the contract for the loan are varied at the request of the borrower;

(c) A fee for every cheque drawn by or on behalf of the borrower which is dishonoured by the bank on which it is drawn when presented by the licensee;

(d) A fee for every unsuccessful deduction from a bank account through interbank GIRO for payment by or on behalf of a borrower to the licensee;

(e) In the case of a term loan, a fee for the early redemption (whether partial or in full) of the loan, and a fee for the early termination of the contract (whether due to the default of the borrower, redemption of the loan or otherwise) for the loan;

(f) Legal costs incurred for the recovery of the loan, as may be ordered by a court to be paid to the licensee.


With a minimum turnover of $60,000, your business may loan up to $200,000. However, upon applying for business loan with Fortune Credit, whether temporary bridging loan or SME working capital loan, the business loan amount will depend on the credit assessment, business strength and repayment period.

Our loan officers will help you understand how these factors such as repayment period, credit assessment, and requirements affect your loan amount. So, we are here to help you each step of the way.

Unlike banks who take weeks to months to approve applications for business loans such as temporary bridging loans and other business loans. Fortune Credit application is swift and efficient. You can expect to receive your borrowed money within two working days, or upon the signing of the contract when you’re contacted by one of our loan officers to come in for the signing of the contract.

Banks usually reject business loan applications due to low or bad credit history. Here at Fortune Credit we don't focus on your bad credit; instead we complete evaluations by your capability to repay the business loan depending on your current financial condition. Meaning the business loan assessment is not based on your credit history. Though with this instance, you need to prove that you have a steady business’s income.

What we check on each businesses upon application are the following:

  • Financial situation
  • Business revenue and expenses
  • Repayment ability

No. Fortune Credit takes your right to privacy seriously. We commit to protect your right to personal data privacy pursuant to the provisions of the Personal Data Protection Act 2012 (PDPA) and its implementing rules and regulations. Feel free to contact us if you have further questions regarding our privacy policy.

You can get a larger business loan by pledging collateral. You may secure your loan by either residential or commercial properties to borrow a larger amount of money. Generally speaking, for secured loans, you can obtain a financing loan of any amount.

Unlike banks who take an amount of time before your business loan gets approved, whether applying for temporary bridging loan or SME working capital loan, banks usually require a tedious process to secure a loan. When it comes to Fortune Credit, it only takes days to get your business loan approved.

So, if you are considering the amount of time before your business loan gets approved, head to Fortune Credit for a swift business loan approval process.

On the other hand, in terms of legitimacy, you need to make sure you only take out a business loan to a licensed moneylender like Fortune Credit. To avoid loan scams, the first thing that you must check is to verify if the moneylender that you are looking for is a licensed moneylender registered with Singapore’s Ministry of Law.

Next, compare the best loan offers according to your budget and repayment capability. Don’t forget to check the customer satisfaction reviews on Loan Advisor and Google Reviews to check the customer satisfaction reviews.

To get the best loan rates for a business loan, a temporary bridging loan or working capital loan. You need to weigh in your options through loan comparison sites online, such as Loan Advisor.

The interest rate depends on the type of loan you are applying for. Remember that secured loans have lower interest rates and can offer you a higher loan amount compared to unsecured loans. Having collateral such as properties, real estate, bonds, collections and other items and objects of value can also help you lower your business loan's interest rate.

Fortune Credit offers the best SME business loan in Bugis and Bras Basah, Singapore. It is located at 470 North Bridge Road #02-01A Bugis Cube Singapore 188735. It is open daily from Monday to Sunday. Operating Hours: Mon-Fri: 11:00am – 8:00pm | Sat-Sun: 11:00am – 5:00pm

Fortune Credit is among the top 10 legal moneylenders in Singapore and touted as the best moneylender in Bugis as well as Bras Basah.

Since 2010, we have been commended for being a financial agency that offers “comfortable, friendly, and efficient” borrowing experience.

Fortune Credit is here to provide financial help to those in dire need of money. But what makes us different from other moneylenders is our reputation for being a warm, caring, and thoughtful institution. We understand that the overall process of borrowing money should be easy, relaxed, and unintimidating.

True to our tagline “Feel Free to Borrow Anytime”, we vow to extend our financial help to those in need every single day.

Being in the industry for over a decade, we have established excellent customer service and achieved notable awards.

Honours & Achievements

  • Regarded as among the top 10 licensed moneylenders in Singapore by Loan Advisor
  • Included in the list of top-performing legal moneylenders in Singapore by Top Brands

Reviews & Testimonials

  • Received excellent 4.9 stars from verified clients on Google Reviews
  • Commended as “friendly, efficient, and accommodating” by customers on Loan Advisor

Simply click here to apply a loan online and you won’t be disappointed.