Get Access to Transparent, Cost Effective, Fast Loans Now

As a business owner or operator, you need cash, period. Be it to pay suppliers, employees, or whatever, you need cash in which it needs to be put to work, fast! Here at SmartFunding, we offer transparent, cost effective, and fast loans that are specially made for you!

Choose among the two financing options below. No collateral required.

Term Financing

Term financing allows you to get a quick short-term 12-24 months financing for working capital.

Buy Now, Pay Later Scheme

Run your business smoothly with our procurement financing solution. This option provides SMEs with flexibility to finance purchase of goods and services, with zero upfront payment and instead make installment payments over 3-6 months.


Run your business smoothly with our smart financing solutions

Term Financing


Choose between a short-term (12 months) or a long-term (24 months) financing period, depending on your needs and business goals.


Receive timely and accurate information about fees and interest charges, which are normally between 8.5% to 20.5% per annum.


Borrowers will only be charged a nominal penalty or even no penalty for early loan repayment.

Buy Now, Pay Later For SMEs


Repayment period between 3–6 months.


No minimum regular commitment to finance.


A simple and transparent fee structure. Funds will be disbursed straight to vendors.

Our financing options are accessible to companies which fulfil the following criteria:

Have been operating for more than 1 year 

Annual revenue of at least S$150,000

We may also review companies which do not meet the above criteria on a case by case basis.

Please contact us for a free consultation via:


Mobile: +65 9782 7165

Want a solid growth and scale up?

Best Financing Solutions For Everybody



Choose your funding amount and the best term for you through our user-friendly online platform. The application process only takes about a few minutes to complete.

Flower Shop Store Florist Botany Bouquet Blooming


No more hidden fees and interest charges that add more burden. Receive accurate information on pricing in a timely manner.

Macro shot of financial concept


Receive your money within two working days.

Barista Prepare Coffee Working Order Concept


You have the option to choose your repayment period based on your capability, from 6 to 24 months.

graphic-dots-impact-yellow.pngHow OUR FINANCING Works

Four Simple Steps To Get Funding Instantly


Apply for term financing and submit the necessary details.


Upon submission, your application will be reviewed objectively and thoroughly by our credit and risk team.


Your business will then be featured on the platform for our strong network of investors to fund.


Once the crowdfunding is successful, the funds will be disbursed to you within two days.




Check your eligibility

Provide the necessary details. Our team will follow-up with you within a few working days for confirmation and to request necessary documents.


Eligibility review

Upon submission of the documents, our credit and risk team will assess your application. You may be required to provide additional documents that can support your application.


Approval and disbursement

Upon submission of complete documents and approval, your business will then be featured on our platform for our strong network of investors to fund. Once the crowdfund is successful, the funds will be disbursed to you within two working days (for Term Financing borrowers). And if you’re under the BNPL scheme, funds will be disbursed to your vendors within two working days as well. Upon submission of the documents, our credit and risk team will assess your application. You may be required to provide additional documents that can support your application.

Why SmartFunding Is A Smart Choice

NEW SF iconWe are a Singapore Central Bank, Monetary Authority of Singapore (MAS) licensed platform under the Singapore Securities & Futures Act. We also hold a Capital Market Services (Dealing in Securities) licence (CMS100637-1).

NEW SF iconUser-friendly SME financing platform that aims to deliver strong returns to Investors keen in SMEs and alternative funding options for SMEs in Southeast Asia.

NEW SF iconSolid Investor protection. Your investment funds will be highly protected through our impenetrable third-party Escrow account and secured back-up providers.

Looking for more financing solutions for your business?
Reach out to us today!

Frequently Asked Questions

Currently, we provide Term Financing & Buy Now, Pay Later Scheme. (More info here)

Term Financing for SMEs is a financing product that requires no collateral (unsecured financing) so SMEs could scale up or improve their operations quickly.

SMEs can get financing of up to S$200,000, with an interest rate between 8.5% to 20.5% per annum. Upon approval, we will extend a Letter of Offer setting out the terms of the loan, including the loan amount, tenure, interest rate etc. Once you have accepted the Letter of Offer, you may submit a formal loan request for community funding on our platform.

Our Investors will receive a notification of your loan request and will be able to view a loan sheet disclosing the proposed loan details and your company details. The loan request will be on our Platform for a period of 30 days or until it is 100% funded, whichever earlier (“Loan Request Period”).

At the end of the Loan Request Period, if the loan request received sufficient funding from Investors (typically 70%), then the loan request is successful. You will be required to enter into a debt instrument with the Investors and SmartFunding (where SmartFunding will be acting on behalf of Investors).

Disbursement of the crowdfunded sum (less processing fee) will be made within 2 working days from the signing of the debt instrument.

We offer a flexible repayment period between 12 to 24 months for Term Financing. 

Rest assured that there won’t be any hidden fees or charges. However, the following fees and charges may apply:

1. Processing Fee: S$150

2. Platform Fee: 4% of loan amount disbursed

3. Applicable Interest: 8.5% -20.5% per annum

4. Late Payment Interest: 0.1% per day on the outstanding principal

Late repayments will result in the following: an interest: of 0.1% per day on the outstanding principal

No, we don’t penalise borrowers for making early settlements on our platform.

At the moment, we only offer Term Financing and Buy Now, Pay Later for SMEs. If you’d like to know more about the BNPL scheme, head over to this section of FAQ