Financing Options For Your Business
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 6-9 months.
Run your business smoothly with our smart financing solutions
Term Financing
FLEXIBLE FINANCING PERIOD
Choose between a short-term (12 months) or a long-term (24 months) financing period, depending on your needs and business goals.
ENJOY LOWER INTEREST RATES
Receive timely and accurate information about fees and interest charges, which are normally between 8% to 18%.
NOMINAL PENALTY OR NO PENALTY
Borrowers will only be charged a nominal penalty or even no penalty for early loan repayment.
Buy Now, Pay Later For SMEs
FLEXIBLE REPAYMENT
Repayment period between 6–9 months.
ZERO COMMITMENT
No minimum regular commitment to finance.
TRANSPARENCY
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:
Email: hi@smartfunding.sg
Mobile: +65 9782 7165
Best Financing Solutions For Everybody

ACCESSIBILITY
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.

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

FAST FUNDING
Receive your money within two working days.

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

Four Simple Steps To Get Funding Instantly
01.
Apply for term financing and submit the necessary details.
02.
Upon submission, your application will be reviewed objectively and thoroughly by our credit and risk team.
03.
Your business will then be featured on the platform for our strong network of investors to fund.
04.
Once the crowdfunding is successful, the funds will be disbursed to you within two days.

THE APPLICATION PROCESS
01.
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.02.
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.03.
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
We 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).
User-friendly SME financing platform that aims to deliver strong returns to Investors keen in SMEs and alternative funding options for SMEs in Southeast Asia.
Solid 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
What type of financing can I obtain from your platform?
Currently, we provide Term Financing & Buy Now, Pay Later Scheme. (More info here)
What is Term Financing for SMEs?
Term Financing for SMEs is a financing product that requires no collateral (unsecured financing) so SMEs could scale up or improve their operations quickly.
How does Term Financing for SMEs work?
SMEs can get financing of up to S$1,000,000, with an interest rate between 6.0% to 15.1% per month. 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.
How long is the repayment period?
We offer a flexible repayment period between 12 to 24 months for Term Financing.
What are the fees and charges that I should be aware of?
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: 6.0% – 15.1% per annum
4. Late Payment Interest: 0.1% per day on the outstanding principal
What happens if I’m not able to make payments on time?
Late repayments will result in the following: an interest: of 0.1% per day on the outstanding principal
Am I allowed to make an early settlement? And will there be a fee?
No, we don’t penalise borrowers for making early settlements on our platform.
I want to know more about other financing options.
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.