Your Bank Said No, Without Explaining Why
Approval depends on your personal credit profile, which bank you go with, existing banking relationships, and even how you answer credit questions, factors that vary hugely between institutions.
60+ Lenders · 19 Core Partner Banks · Ex-Banker Team
Compare SME Business Loans With One Application
One bank’s “no” isn’t the market’s answer. Our team, ex-bankers with 30+ years of combined experience, matches your application against 19 core partner banks and 60+ lenders overall, so you find the one whose criteria actually fit your business.
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From 4.05%*
Flat Rate P.A.
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2-4 Weeks
Standard Full Approval
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24Hrs
Initial Eligibility Match
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30+ Years
Combined Ex-Banker Experience
*Flat rate example, your actual rate depends on the lender and your profile. Ask us for the Effective Interest Rate (EIR) equivalent, which reflects the true cost more accurately than a flat rate.
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A quick indicative estimate based on flat rate pricing, not a loan offer.
Is This You?
What Actually Determines Loan Approval
A rejection rarely means “no bank will lend to you”, it usually means one bank’s specific criteria didn’t match your profile.
You Don’t Want a “Black Mark”
A rejected application can leave a mark in a bank’s internal records, making future applications to that same bank harder. Getting matched right the first time avoids this.
Different Banks, Wildly Different Answers
You could get rejected by one major bank and approved for S$100,000 by another, because each institution’s risk appetite and required paperwork genuinely differ that much.
Your Proposal Paperwork Isn’t Bank-Ready
Weak financial documentation or a poorly prepared credit proposal is one of the most common reasons for rejection or a lower-than-expected loan amount.
You Want an Ex-Banker’s Perspective
Our team has 30+ years of combined banking experience, we know what banks are actually assessing before you submit, not after you’re rejected.
How It Works
One Application, Matched Against 60+ Lenders
We take your business profile once and match it against banks, digital lenders, and government-backed schemes, rather than you filling out the same form 20 times.
FREE ASSESSMENT
Get My Free Assessment
No Cost to Find Out Where You Stand
Our loan assessment and lender comparison are entirely free. If you choose to engage us to manage your application, that service is subject to a fee, we’ll walk you through it upfront before anything is charged.
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Free assessment and lender comparison, no obligation
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One profile matched across our full lender panel
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Clear engagement terms explained before you commit
Get My Free Assessment
Why Think SME
Built by Bankers, Not Just Brokers
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We Read Financials Like a Bank Does
Our team’s banking background means we know how your numbers will actually be assessed, before you apply.
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Same Firm for Compliance and Financing
Your accounts and structure are already clean because we likely handle your incorporation and bookkeeping too.
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A Person, Not a Portal
Our financing team works your application personally, not an algorithm that stops responding after a rejection.
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Genuinely Independent
We’re not tied to one bank, 60+ lenders means we recommend what fits you, not what pays us most.
Why Think SME
Why Choose Think SME for SME Business Loans in Singapore?
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Access to 60+ Banks & Financial Institutions
Best rate guaranteed, we compare across our full panel, including 19 core partner banks, so you never overpay.
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Dedicated Business Loan Advisors
Ex-bankers with 30+ years of combined experience, expert guidance tailored to your industry, not generic advice.
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Full In-House Corporate Services
We handle your accounting, secretarial, and grants while securing your loan.
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Free Eligibility Assessment Within 24 Hours
Know your options before committing to anything, zero cost, zero obligation.
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Grant Advisory Integration
Maximise EDGE grants alongside your financing strategy.
Loan Types
Financing Options at a Glance
EFS Working Capital Loan
Up to S$500,000
Government risk-shared loan for day-to-day operating needs, up to 5-year repayment.
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30% local shareholding required
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Repayment up to 5 years
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Shared risk with Enterprise Singapore
EFS Fixed Asset Loan
Up to S$30 million
For equipment, machinery, or business premises, with tenure up to 15 years.
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Covers property & equipment purchase
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Up to 15-year tenure
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Available through DBS, OCBC, UOB
Trade & Invoice Financing
Up to S$10 million
Unlocks cash tied up in receivables, inventory, or overseas trade cycles.
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Inventory & factoring financing
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Overseas working capital
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Bank guarantees included
Google Reviews
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Common Questions
Questions SMEs Ask Us First
What is the Working Capital Loan (WCL)?
The SME Working Capital Loan is a government-assisted financing scheme under the Enterprise Financing Scheme (EFS-WCL), helping SMEs finance operational cash flow needs. Eligible businesses can access up to S$500,000, with risk shared 50/50 between the lender and Enterprise Singapore.
Why shouldn’t I just apply to banks myself?
You can, but each application usually triggers a credit bureau check, and several rejections in a short time can make the next lender more cautious. Without knowing each bank’s criteria, it’s hard to tell which one will say yes. We review your profile once, match it against 19 core partner banks and 60+ lenders in total, and present your financials the way credit teams expect to see them. That saves you time and protects your credit profile, and the assessment and comparison are free.
Why would one bank reject me but another approve me?
Lenders set their own risk appetite. They differ on minimum years in operation and revenue, which industries they favour, how they read losses or thin margins, how much existing debt they accept, and whether they need collateral or a personal guarantee. Digital lenders and government-assisted schemes also fill gaps that the big banks avoid. A rejection usually means the lender wasn’t the right fit, not that your business can’t borrow.
Can I take a new loan if I already have a WCL?
Often, yes. The Enterprise Financing Scheme Working Capital Loan is capped at S$500,000 per borrower group across all participating lenders, so if you’ve borrowed less than that you may be able to top up. You can also take other facilities, such as trade financing, term loans or property-backed financing, as long as the lender is satisfied with your repayment capacity. We’ll review your existing facilities and tell you what you can still access.
How fast can I get funded?
We can usually give you an initial eligibility match within 24 hours of receiving your financial documents. A standard full approval takes 2–4 weeks, depending on the lender and how complete your documents are, and funds are typically disbursed soon after you accept the offer.
How much do I have to pay you?
Our loan assessment and lender comparison are free, with no obligation. If you then engage us to manage your application, that service is subject to a fee, which we explain upfront before anything is charged.
Ready to explore financing?
Free eligibility check and lender comparison, no obligation to find out where you stand.
