Solutions By Type

Business Loans for SMEs in Singapore

As one of the leading non-bank financial institutions in Singapore, we're dedicated to empowering local small and medium-sized businesses SMEs with tailored financing solutions. We offer a diverse range of business loans designed to help you overcome challenges and seize growth opportunities. We are committed to growing with you through tailored services.

We offer:

Flexible repayment periods
Quick approval processes
Designed for Small and Medium Enterprises (SMEs)

We are a proud Participating Financial Institution with Enterprise Singapore.

How Our SME Loans Can Help You

Navigating the challenges of the business landscape as an SME requires agility, innovation, and a reliable financial partner. Our SME business loans are designed to empower you to overcome hurdles and seize opportunities, providing the financial fuel you need to thrive.

Cashflow Management

Smooth out those bumps in the road. Unexpected expenses? Seasonal demand fluctuations? Our SME loans provide a safety net, ensuring you have the funds to cover operational costs, manage inventory, and maintain a healthy cash flow, even during challenging times.

Staying Competitive

Invest in your edge. In today's competitive market, standing still is not an option. Our SME business loans can be used to invest in technology upgrades, marketing campaigns, employee training, and expansion initiatives, keeping you ahead of the curve and ready to seize market share.

Growth Opportunities

Fuel your ambitions. Spot a game-changing opportunity? Need to expand your operations or launch a new product? Our small business financing options in Singapore provide the capital you need to scale your business, reach new markets, and achieve your growth objectives.

Our Solutions

Our SME Loans in Singapore

In the dynamic landscape of SME growth, the financial requirements can vary significantly across different stages, from startup to expansion.

At GB Helios, we recognise and understand these unique challenges. Hence, we offer flexible, personalised loan solutions that cater specifically to the diverse needs of local SMEs. Our suite of business financing solutions includes:

Factoring Loans: Our factoring loans in Singapore help turn your outstanding invoices into immediate cash flow. We'll advance you up to 90% of the invoice value, giving you the liquidity you need to keep your business moving.

‍Revenue-based Financing: Our revenue-based financing solutions offer a flexible alternative to traditional bank loans for your small business, with repayments based on your actual revenue. It's the perfect solution for businesses with fluctuating income streams.

We are dedicated to ensuring that every enterprise, regardless of its size and phase, has the support it needs to flourish.

Hire Purchase

Purchase Of Vehicles

Floor Stock Financing

Optimise Inventory

Business Property Loans

Purchase Or Refinance Commercial Properties

Factoring

Improve Liquidity With Receivables

Payables Financing

Pay Your Suppliers

Unsecured Term Loans

Fixed-Term Financing

Revenue-Based Financing

Financing Based On Current & Projected Revenue

Technology Leasing

Finance Equipment Through Leasing

Digital Supply Chain Financing

Finance Invoices On Your Terms

Earned Wage Access

Gain Access to Earned Wage In Advance

Partner With a Trusted SME Loan Provider

GB Helios is a Participating Financial Institution for the Enterprise Financing Scheme - SME Working Capital Loan, a government-assisted financing scheme designed to help small and medium businesses access working capital. We're committed to helping SMEs in Singapore succeed, leveraging our deep understanding of the local business landscape to provide tailored solutions that fuel growth and innovation.

Wide Range of SME Financing Options

We understand that one size doesn't fit all. That's why we offer a diverse range of SME financing options to meet your unique needs, from factoring to revenue-based financing and business property loans. We're here to help you find the perfect solution to power your business forward.

Quick Approval Process

Time is money, especially in the fast-paced world of business. Our streamlined application process ensures rapid approval, so you can seize opportunities without delay. We're committed to providing a hassle-free experience, getting you the funding you need quickly and efficiently.

Flexible Repayment Terms

We believe in flexibility, not rigid rules. We'll work with you to create a repayment plan that fits your needs, ensuring your financing supports your growth without adding unnecessary pressure.

Eligibility Criteria for SME Working Capital Loan

The SME Working Capital Loan is designed to provide businesses with the financial resources they need to manage daily operations, cover expenses, and invest in growth opportunities. It can be used for a variety of purposes, including:

Managing cash flow
Purchasing inventory
Paying salaries
Investing in equipment

To be eligible for the SME Working Capital Loan, your business must meet the following criteria:

Singapore-Based: Your business must be registered and operating in Singapore.
Entity Type: ACRA-registered, Partnerships, Limited Liability Partnerships, and Companies are all welcome to apply.
Local Equity: Your company must have at least 30% local equity held by Singaporean(s).
SME Definition: For "SME Working Capital", an SME is defined as having a Group revenue of up to S$100 million or a maximum employment size of 200 employees.

Please note that eligibility criteria may vary across our different loan products. If you're unsure whether you qualify, please don't hesitate to contact us. Our team of experts will be happy to assess your needs and advise you on the most suitable financing options.

Application Process

Applying for an SME loan with us is simple and straightforward. Here's how it works:

Submit your application: Start your journey by contacting us at talktous@gbhelios.com.sg or through our contact form. It's quick, easy, and designed to capture the essential information we need to assess your needs.
Review loan options and select the best fit: Our team will review your application and present you with a range of tailored loan options. We'll work with you to understand your requirements and select the solution that best aligns with your goals, and may request any necessary documents at this stage.
Approval and loan disbursement: Once you've chosen your preferred loan option, we'll move quickly to approve your application and disburse the funds. We're committed to providing a fast and efficient process, so you can access the capital you need without delay.

Accelerate Your SME Growth with GB Helios

Ready to take your business to the next level? Explore our diverse range of SME loans in Singapore and discover how we can help you achieve your growth ambitions.

Contact us today for a consultation and let's chart a course for your success.

Frequently Asked Questions About SME Business Loans

How much financing does my SME qualify for?

The financing amount for which your SME qualifies depends on several factors, including your business's financial health, credit history, and operational performance. We will assess these criteria to tailor the loan amount, ensuring it aligns with your growth ambitions and repayment capability.

What documents are required for an SME loan application?

The documents required for your SME loan application will depend on the specific financing solution you choose. But don't worry, we'll guide you every step of the way. Our expert advisors will work with you to create a tailored financing plan and provide a clear list of the necessary documents.

The necessary documents required will depend on the type of financing your business needs. Contact us and work with our advisors to come up with a suitable financing plan,

How long does the application process typically take?

Our SME loan application process is designed for efficiency. Once you've submitted all the required documents, you can expect a swift approval process, so you can access the funding you need without delay.

What are the interest rates and repayment terms for SME financing?

We pride ourselves on the competitive and flexible interest rates and repayment terms we offer for SME financing. Connect with us today and discover how we can help you achieve your goals.