Compare business loans from Singapore's most trusted banks & lenders.
Finspire matches Singapore SMEs to the right business loan across 20+ banks and licensed lenders. Skip the cold-calling. One eligibility check. Personalised matches in 60 seconds.
Independent & impartial
No application fee
PDPA-compliant
An Otter-ly Simple Way to Compare Business Loan
900+
Singapore SMEs match with Finspire every month
S$50M+
In requested business financing compared monthly
20+
Banks & licensed financial institutions in our network
60s
Average time to complete the Finspire Eligibility Check
Four core financing products for Singapore SMEs.
Whether you’re managing cash flow, expanding operations, or unlocking equity from your commercial property — Finspire matches you to the right product across our lender network.
01 / Working Capital
SME Working Capital Loan
Government-assisted financing under the Enterprise Financing Scheme. Designed for Singapore SMEs needing operational cashflow — payroll, inventory, supplier payments.
UP TO S$500K
5 YEAR TENURE
GOVERNMENT RISK-SHARE
02 / Business Term Loan
Unsecured Business Term Loan
Lump-sum financing from leading banks for established SMEs — expansion, equipment, marketing, or strategic investments. Repayable over fixed monthly instalments.
UP TO S$1M
5 YEAR TENURE
NO COLLATERAL REQUIRED
03 / Property-Backed
Property Equity Term Loan
Unlock the equity in your commercial or residential property to finance business growth at significantly lower rates than unsecured options. Larger loan quantums available.
UP TO 80% LTV
25 YEAR TENURE
LOWER INTEREST RATES
04 / Trade & Invoice
Invoice & Trade Financing
Bridge cash flow gaps by financing outstanding invoices, purchase orders, or letters of credit. Built for trading, F&B, manufacturing, and service-based SMEs.
PER-INVOICE DRAWDOWN
12 MONTH FACILITY
QUICK DISBURSEMENT
Three steps. Sixty seconds. Real matches.
Skip the spreadsheets and rate-shopping calls. Finspire’s eligibility check considers your business profile against each lender’s actual credit criteria — so your matches are real, not theoretical.
1. Tell us about your business
Loan amount, tenure, annual revenue, years incorporated, industry. No financial documents needed at this stage. Takes under a minute.
2. We match against 20+ lenders
Our matching engine cross-references your profile against the eligibility criteria of every bank and licensed lender in our network — including current rate movements.
3. Speak to a Finspire specialist
A licensed loan specialist walks you through your shortlist, explains the terms in plain English, and helps you submit a clean application. No upfront fees.
Start your Finspire Eligibility Check.
Built for Singapore SME owners. Answer a few quick questions and we’ll match your business profile to lenders in our network.
1. Independent comparison
Finspire is not owned by any bank or lender. Your shortlist reflects fit with your business, not commercial relationships.
2. One check, many lenders
Skip submitting separate applications. Your business profile is matched against 20+ banks and licensed financial institutions in our network.
3. Specialist-guided
After matching, a Finspire specialist walks you through your shortlist in plain English — no jargon, no pressure.
We Compare Across Singapore's Leading Banks & Licensed Lenders
![HSBC[1]](https://finspire.sg/wp-content/uploads/2025/04/HSBC1.webp)
![CIMB[1]](https://finspire.sg/wp-content/uploads/2025/04/CIMB1.webp)
