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# SmartFunding

The Smart SME Financing Platform

## Sitemaps

- [XML Sitemap](https://smartfunding.sg/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [What is Neobank?](https://smartfunding.sg/what-is-neobank/) - Neobanks, often known as “challenger banks,” are fintech businesses that provide mobile and internet banking apps, software, and other technologies. Fintechs mainly focus on specific financial products, and they are more agile and transparent to their account holders than traditional brick and mortar banks. An important aspect to note would be, neobanks do not have
- [Invoice Financing in Singapore](https://smartfunding.sg/invoice-financing-in-singapore/) - According to government data, as of the end of 2020, Singapore had about 280,000 SMEs. SMEs account for 70% of employment and represent 99% of all enterprises in 2020. With the SMEs Go Digital programme launched in 2017, more than 78,000 small and medium-sized enterprises (SMEs), with more than half, or 40,000, came on board
- [Rocking the ‘Alternative’ in Alternative Finance](https://smartfunding.sg/rocking-the-alternative-in-alternative-finance/) - *This article was originally published on SmartFunding's Medium. Parallel to how early alt-rock underground movements revolutionised the rock genre before integrating themselves into the mainstream airwaves, what began as alternative platforms that aimed to provide non-traditional financing options are now collectively growing into a global, US$145 billion-dollar industry — and are making us reconsider how
- [Start-Up Business Loans in Singapore](https://smartfunding.sg/start-up-business-loans-in-singapore/) - These days, we’re all looking for a way to do some social good—in light of living with a pandemic for close to 2 years. On the other hand, there are many who are trying to start up businesses during the ongoing pandemic, but funding may be the biggest problem faced by these SMEs. If you’re
- [Complete Guide to P2P Investing in Singapore](https://smartfunding.sg/complete-guide-to-p2p-investing-in-singapore/) - Most of the time, banks, financing companies, and credit unions are the ones offering secured loans to individuals. But the financing schemes offered by these financial institutions usually come with high interest rates. Which is why P2P lending is quickly becoming a popular choice for business term loans among small and medium-sized enterprises (SMEs). That’s
- [The History of BNPL, And What The Future Holds](https://smartfunding.sg/the-history-of-bnpl-and-what-the-future-holds/) - With the pandemic causing shockwaves throughout the global economy, it might take a concept such as Buy Now Pay Later (BNPL) to save the day. Here, we discover how consumers are embracing it and what the BNPL future looks like. We’ve all read news reports on how the current global pandemic has affected the economy.
- [SmartFunding Is Featured In MillionaireAsia (July Issue 2021): Let The Cash Flow](https://smartfunding.sg/millionaireasia-sf/)
- [Micro Loan vs Invoice Factoring vs Invoice Financing in Singapore](https://smartfunding.sg/micro-loan-vs-invoice-factoring-vs-invoice-financing-in-singapore/) - Singapore has a unique position in the global economy and a pivotal role as a business epicentre in the heart of Asia. The economic powerhouse has been consistently acknowledged over the years as an international business hub with developed infrastructure, political stability, open business policies, and a skilled workforce. Many global businesses have found it
- [Business Capital Solutions](https://smartfunding.sg/business-capital-solutions/) - While every company is unique and different, there are a handful of practices and rules of thumb that people should utilize in analyses and workflows. So what is a business capital? Also known as net working capital, it reflects the amount of money a company has at its disposal to pay for immediate expenses, like
- [Investment Opportunities in Singapore](https://smartfunding.sg/investment-opportunities-in-singapore/) - Singapore is best known by investors for its participation in global trade as one of Asia’s largest trading hubs as the country offers good prospects for those who want to invest in a rising market in Southeast Asia. There are countless investment opportunities in Singapore that you can invest in, some are common like stocks,
- [SME Funding: Signs You Need To Borrow Funds](https://smartfunding.sg/sme-funding-signs-you-need-to-borrow-funds/) - Taking on business debt is often seen in a negative light. However, depending on circumstances, SME funding could actually be leveraged to grow one’s business. Small and medium-sized businesses (SMEs) are the backbone of any country’s economy. Thousands of SMEs across the world provide valuable services and products that cater to a specific market
- [SG-Based Start-Ups to Get Easier Access to Funding](https://smartfunding.sg/sg-based-start-ups-to-get-easier-access-to-funding-thanks-to-simpler-rules-for-vc-funds/) - The Monetary Authority of Singapore (MAS) is proposing a simplified authorisation process and regulatory framework for new Venture Capital (VC) managers. This will make it easier and faster for them to fund start-ups in Singapore. The proposal includes improvements to criteria of fitness and propriety and the removal of other criteria. For instance, VC managers
- [BNPL For Business: What Kind Of SMEs Benefit The Most?](https://smartfunding.sg/bnpl-for-business-what-kind-of-smes-benefit-the-most/) - The emergence of BNPL for business is seen as a game-changer in the commerce industry. But what kind of SMEs benefit the most from it? In this current era of the new normal, the importance of Buy Now Pay Later (BNPL) services cannot be underestimated. Although historically, its emergence predates the current pandemic, BNPL for
- [SmartFunding Is Featured in The Simple Sum](https://smartfunding.sg/smartfunding-is-featured-in-the-simple-sum/) - One of the few ways you can diversify your income is to start a side-business, but running a successful side-business comes with a lot of challenges — you may need a lot of capital upfront, it’ll take time and effort, and there’s no guarantee that you’ll succeed. Still interested in earning additional income via a business?
- [SME Financing: 7 Things To Consider First](https://smartfunding.sg/sme-financing-7-things-to-consider-first/) - Looking for the right SME financing option for your business? Consider these seven important things first before you submit that application. For most small and medium-sized businesses (SMEs), seeking a funding model that’s right for the business is crucial. Not doing proper research and consideration will lead to risks such as growth impairment due
- [P2P Lending Options for Non-Accredited Investors in Singapore](https://smartfunding.sg/p2p-lending-options-for-non-accredited-investors-in-singapore/) - P2P lending is quickly emerging as a popular financing option for startups and small and medium enterprises (SMEs). But what is P2P lending? In a nutshell, P2P lending stands for peer-to-peer lending, a financing method that allows investors to lend their money to businesses in exchange for interest as repayment. This provides more flexibility for
- [SmartFunding Is Featured In Must Share News](https://smartfunding.sg/invest-in-spore-businesses-like-preschools-cafes-earn-up-to-24-returns-yearly-2/) - Diversify Income Streams By Investing With SmartFunding When the pandemic hit us in 2020, many lives were significantly changed. While some of us had the luxury of keeping our jobs, some had to be let go as companies streamline their operations. It prompted many Singaporeans to look at other ways to make their money work
- [The Difference Between Peer-To-Peer (P2P) & Crowdfunding](https://smartfunding.sg/the-difference-between-peer-to-peer-p2p-crowdfunding/) - P2P lending and crowdfunding have something in common, they both involve obtaining funds online from a group of people, or investors. However, the most important distinction between crowdfunding and peer-to-peer lending, is how you repay your investors. When you compare both P2P and crowdfunding, equity crowdfunding has a higher risk, but it could be argued
- [SmartFunding Is Featured In Singapore Business Review](https://smartfunding.sg/invest-safely-in-smes/) - Invest safely in SMEs through this innovative online financing platform With SmartFunding, investors can lend money to various SMEs and enjoy double-digit returns. Retail investing surged in popularity during the pandemic, driven mostly by young investors eager to diversify their income streams. At the same time, many small and medium enterprises (SMEs) faced financing challenges
- [SmartFunding Is Featured In Must Share News (Again)](https://smartfunding.sg/smartfunding-is-featured-in-must-share-news-again/) - SmartFunding Lets You Invest In Regional SMEs, First-Timers Can Begin With Just $100 Invest in Singapore SMEs & claim returns of up to 24%. By The Must Share News Team - 3 Nov 2021, 12:32 pm SmartFunding Is A FinTech Platform That Lets You Do Good While Investing In SMEs Investing. A concept that’s almost
- [RegTech Basics: Things SMEs And Investors Should Know](https://smartfunding.sg/regtech-basics-things-smes-and-investors-should-know/) - For SMEs and investors, being an early adopter has plenty of advantages. This is also the reason why you should learn RegTech basics and how it can benefit your business. If you haven’t noticed already, we currently reside in a digital universe. Technology is ubiquitous in the world around us. For this very reason, SMEs,
- [Is Your Small Business Ready For The BNPL Boom?](https://smartfunding.sg/is-your-small-business-ready-for-the-bnpl-boom/) - As a small business, the Buy Now Pay Later (BNPL) solution may be exactly what you need right now. The question is, are you ready for the BNPL boom? The global pandemic has left a massive impact on the world. It has changed our lifestyles and financial situations. Consumer spending habits are also changing. However,
- [7 Types of Investments' Opportunities and Risks](https://smartfunding.sg/7-types-of-investments-opportunities-and-risks/)
- [6 Business Tools That Will Help You Save Time](https://smartfunding.sg/tools-save-time/) - When you work for a small or medium-sized enterprise with a small team, time is essential, especially reducing the time spent on things that don’t directly help you grow your business. Every small business owner knows that too much time is wasted on doing admin and organising meetings, writing follow-up emails, and making sure to
- [Running A B2B Company? Take Advantage Of Social Media!](https://smartfunding.sg/b2b-social-media/) - Social selling also poses a certain challenge for B2B companies. As a corporate entity, you want to portray a friendly, approachable, or likable image; but at the same time, you need to maintain a comfortable level of seriousness in the way you handle your business deals. While it’s true that B2B marketing isn’t as straightforward

## Pages

- [Home Page V2](https://smartfunding.sg/) - We are a Licensed Regional Financing Platform · Grow Your Investment With Returns Of Up To 24% · Scale Your Business With Flexible Financing Solutions.
- [Rates of Return & Non-Performing Loan Rates](https://smartfunding.sg/rates-of-return-non-performing-loan-rates/) - Rates of Return & Non-Performing Loan Rates Table Header Table Header Table Header Table Header Table Header Table Header Year of Disbursement ① Expected rate of returns Non-performing Loan Rates Lowest and Highest Rate (Per Annum) Weighted Average (Per Annum) ② Loans which are past 30 days but less than 90 days ③ Loans which
- [Contact Us](https://smartfunding.sg/contact-us/) - We'd love to hear from you. Find out how to invest in SMEs or receive funding through our user-friendly platform. Chat with us now.
- [Borrow](https://smartfunding.sg/borrow/) - 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
- [Borrower’s Fees and Charges](https://smartfunding.sg/borrowers-fees-and-charges/) - Borrower’s Fees and Charges Fee Type Rate Remarks Processing Fee SGD150 Charged upon a formal application for funding is made (i.e., after the borrower passing a preliminary assessment by Smartfunding). This fee is to cover the cost of our credit assessment. This fee is refundable upon successful funding. Platform Fee 4% of loan amount disbursed
- [Invest](https://smartfunding.sg/invest/) - Invest in SMEs you care about and earn up to 24% returns per annum. Invest as little as 100 SGD. Short-term loan tenure. Less than 12 months.
- [Referral Program](https://smartfunding.sg/referral-program/) - BUILD A CARING, WEALTHY COMMUNITY with our referral program Support local SMEs.Refer them to us for the benefit of your community. Refer SMEs Do you know any SME Borrowers that need funding? With our Referral Program, you can get in touch with us for commission and referral fees for every successful referral! Anyone can be
- [Blog](https://smartfunding.sg/blog/) - Find out more on our latest thinking on the latest issues that matter in lending, investing, and the fintech scene in general.
- [About Us](https://smartfunding.sg/about-us/) - We are a licensed online financing platform connecting SME borrowers looking for fast, transparent loans with investors looking for attractive returns.
- [Careers](https://smartfunding.sg/careers/) - Careers We're Hiring! Relationship Manager 11 August 2021 Job description Actively identify, acquire and develop new business opportunities with small, medium entrepreneurs and to continuously rope in investors and affiliates Generating and growing revenue streams through effective client management Maintain key client relationships and drive business growth Pro-actively managing and developing effective client relationships, identifying
- [Borrowers' Terms & Conditions](https://smartfunding.sg/borrowers-terms-conditions/)
- [Investors' Terms & Condition](https://smartfunding.sg/investors-terms-condition/)
- [Investor Referral Terms and Conditions](https://smartfunding.sg/investor-referral-terms-and-conditions/) - Investor Referral Terms and Conditions The following terms and conditions govern your participation in the Referral Program (“RP”) which is run by SmartFunding Pte Ltd (“SmartFunding”). To be eligible for a reward, you, as participants must agree to be bound by the Terms and Conditions described below. Definitions Existing User: someone who has an approved investor
- [SME Referral Terms and Conditions](https://smartfunding.sg/sme-referral-terms-and-conditions/) -  SME Referral Terms and Conditions The following terms and conditions govern your participation in the Referral Program (“RP”) which is run by SmartFunding Pte Ltd (“SmartFunding”). To be eligible for a reward, you, as participants must agree to be bound by the Terms and Conditions described below. Definitions Existing User: someone who has an approved
- [Investor’s Fees and Charges](https://smartfunding.sg/investors-fees-and-charges/) - Investor’s Fees and Charges Fee Type Rate Remarks Commission 20% of interest paid by Borrowers Fees charged by Smartfunding for facilitating and maintaining loan on our Platform. This fee is only payable by Investors if the interest is repaid to Investors. Deposit fee Nil We do not charge any deposit fee. However, there may be
- [Risk Disclosure Statement](https://smartfunding.sg/risk-disclosure-statement/) - Risk Disclosure Statement Small Offers Exempted Securities The securities or securities-based derivatives contracts made available through this platform/facility are offered to you in reliance on the exemption under section 272A(1) of the Securities and Futures Act (“SFA”). These offers are not made in or accompanied by a prospectus that is registered by the Monetary Authority
- [Login Designer](https://smartfunding.sg/login-designer/) - This page is used by Login Designer to preview the login form in the Customizer.

## Categories

- [Buy Now Pay Later](https://smartfunding.sg/category/bnpl/)
- [Business](https://smartfunding.sg/category/business/)
- [Finance](https://smartfunding.sg/category/finance/)
- [Investors](https://smartfunding.sg/category/investors/)
- [Borrowers](https://smartfunding.sg/category/borrowers/)
- [Entepreneurship](https://smartfunding.sg/category/entepreneurship/)

## Tags

- [business](https://smartfunding.sg/tag/business/)
- [finance](https://smartfunding.sg/tag/finance/)
- [investors](https://smartfunding.sg/tag/investors/)
- [tips](https://smartfunding.sg/tag/tips/)
- [SME](https://smartfunding.sg/tag/sme/)
- [funding](https://smartfunding.sg/tag/funding/)
- [financing](https://smartfunding.sg/tag/financing/)
- [SME financing](https://smartfunding.sg/tag/sme-financing/)
- [investor](https://smartfunding.sg/tag/investor/)
- [Buy Now Pay Later](https://smartfunding.sg/tag/buy-now-pay-later/)
- [Time Management](https://smartfunding.sg/tag/time-management/)
- [Productivity Hacks](https://smartfunding.sg/tag/productivity-hacks/)
- [B2B Marketing](https://smartfunding.sg/tag/b2b-marketing/)
- [Social Media Strategy](https://smartfunding.sg/tag/social-media-strategy/)
- [B2B Social Media](https://smartfunding.sg/tag/b2b-social-media/)
- [P2P technology](https://smartfunding.sg/tag/p2p-technology/)
- [P2P funding](https://smartfunding.sg/tag/p2p-funding/)
- [SME funding](https://smartfunding.sg/tag/sme-funding/)
- [BNPL](https://smartfunding.sg/tag/bnpl/)
- [Term Financing](https://smartfunding.sg/tag/term-financing/)
- [borrowing](https://smartfunding.sg/tag/borrowing/)
- [RegTech](https://smartfunding.sg/tag/regtech/)
- [Alternative Credit Investment](https://smartfunding.sg/tag/alternative-credit-investment/)
- [Investment Strategy](https://smartfunding.sg/tag/investment-strategy/)
- [Entrepreneurship](https://smartfunding.sg/tag/entrepreneurship/)
- [P2P](https://smartfunding.sg/tag/p2p/)
- [Alternative Credit Assets](https://smartfunding.sg/tag/alternative-credit-assets/)
- [start-up financing](https://smartfunding.sg/tag/start-up-financing/)
- [must share news](https://smartfunding.sg/tag/must-share-news/)
- [singapore business review](https://smartfunding.sg/tag/singapore-business-review/)
- [Millionaire Asia](https://smartfunding.sg/tag/millionaire-asia/)
- [Featured](https://smartfunding.sg/tag/featured/)