Loans

Business Turnover Loan

Facility sized against monthly business turnover.

A facility sized against your monthly turnover rather than a fixed multiple of profit, which suits businesses with steady revenue but thin margins or lumpy receivables. Assessment leans on bank statements, because turnover you can evidence is the only turnover that counts. As with any lending to a company, the applicable terms differ from personal lending and are confirmed in writing before signing.

Who this suits

Businesses with consistent monthly revenue through the bank
Retail, F&B and service operators with regular takings
Companies whose receivables arrive unevenly

What to bring

Latest ACRA company business profile
Company bank statements for the last 6 months
Profit & loss statements and balance sheets
NRIC and Credit Bureau Singapore (CBS) report for each director
Latest employee CPF contribution record or foreign worker levy statement

Key considerations

Lending to a company is assessed differently from lending to an individual, and the applicable terms are confirmed in writing before signing
The facility is sized against evidenced turnover, not projected turnover
A personal guarantee may be requested depending on the assessment
Repayment is matched to your revenue cycle where possible

Questions

How is the amount decided?

Primarily from turnover evidenced in your bank statements over recent months, alongside the wider assessment. Cash takings that never reach the bank cannot be counted.

Are the terms the same as a personal loan?

No. Lending to a company sits under a different part of the framework. We confirm the applicable terms in writing before anything is signed.

Moneylender Licence No. 46/2026. Approval is not guaranteed and is subject to assessment. Interest, fees and final terms are confirmed solely in the final signed loan agreement.