A1 Credit SG Pte Ltd is a licensed moneylender (License No. 13/2024) listed in the Registry of Moneylenders, under the Ministry of Law in Singapore.

Best Business Loan Singapore

Secure your SMEs business loan with minimal requirements and no high credit score needed!

  • Loan up to $200,000
  • Flexible repayment terms; 6-24 months
  • Interest rates starts at 5%
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Apply For a Fast Cash Loan Online

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SME Business Loan Singapore

SME Business Loans For Singaporean Entrepreneurs

Business loans from A1 Credit offer a financial solution for business owners looking to manage and grow their enterprises. With competitive rates and flexible terms, we provide loans tailored to your unique needs, even if you have poor credit scores.

Our loans can be used for a variety of business purposes, including expansion, inventory purchases, equipment upgrades, and operational expenses. 

To apply, simply follow our easy steps and take the first step towards financial stability and business expansion.

Your Money Woes Sorted Within The Day

Choose our Company for the Best Business Loan in Singapore

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Submit your application here.

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Visit the office

 Upon assessing your case, our loan officer will offer you an amount and explain the terms and conditions of the loan for your understanding.

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Signing the Loan Agreement with the Moneylender

Once you agree to the loan amount and repayment terms upon discussion, our loan officer will print out the contract for you to sign.

Get your Cash Loan

Once the contract is signed, you will receive the cash instantly, hassle-free.

How To Apply

Submit your loan application here.
Visit the office
Upon assessing your case, our loan officer will offer you an amount and explain the terms and conditions of the loan for your understanding.
Signing the Loan Agreement with the Moneylender
Once you agree to the loan amount and repayment terms upon discussion, our loan officer will print out the contract for you to sign.
Get your Cash Loan
Once the contract is signed, you will receive the cash instantly, hassle-free.

Who Can Apply?


Business or the Company Must Be Registered In Singapore


Business Has Been Operating For At Least One Year


Business Has A Minimum Turnover Of At Least SGD $60,000

Loan approval

Documents Required For Business Loan

In order to qualify for a loan with us, you need the following documents:
  1. All directors and partners NRIC
  2. Most recent information report (Business Profile) from the Accounting & Corporate Regulatory Authority
  3. Most recent Income tax assessment notice (both personal and from the company)
  4. Most recent financial statement
  5. Most recent invoices or business contracts
  6. Most recent utility bills under the company name
  7. Most recent 6-month bank statements
  8. List of assets owned by the company, directors & partners (if any)
  9. Office / Shop Tenancy Agreement (if any)
Loan approval

Google Reviews

Google 4.9 Stars

A1 Credit has always made our customers our priority, and we are very grateful that our efforts are recognized. These are just some of the comments we’ve received over the years on Google Review.

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Apply for the Best Business Loan withthe Top Licensed Moneylender in Singapore

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Business Loan Frequently Asked Questions

Here are some business loans in Singapore that owners can consider:

  • Personal Loan for Start-Ups – Offered by most banks and moneylenders
  • SME Working Capital Loan – Government-assisted loans
  • Temporary Bridging Loan – Government-assisted loan schemes
  • Unsecured Business Loan – Offered by most banks and moneylenders

A maximum amount of $200,000 can be granted by A1 Credit with an unsecured business loan while the attractive interest rates start from 5% and must be paid within 24 months.

If you have yet to find a dependable money lender in Singapore, you can count on A1 Credit. We provide short-term loans for individuals and businesses with the fairest rates and reliable payment contracts. Know more about our financing products today.

At A1 Credit, we offer interest rates ranging from 5% to 15%. It’s important to note that the exact rate you receive will depend on factors such as your business’s financial health, the loan term, and the specific loan product you choose. We recommend discussing your specific needs with our team to determine the most suitable rate for your business loan.

A good credit score to secure a business loan from banks is typically 720 and above. However, licensed moneylenders like A1 Credit consider factors beyond credit scores for loan approval. We assess a borrower’s ability to repay the loan based on supporting documents, making us a viable financing option for those with lower credit scores.

You can apply for up to SGD $200,000 for a business loan from A1 Credit. To qualify, your business must be registered in Singapore, have been operating for at least one year, and have a minimum turnover of at least SGD $60,000.

A business loan from A1 Credit can be approved in as little as 30 minutes to 1 hour for document verification. You can receive the cash on the same day at our office, providing you with quick access to the funds you need for your business.

A1 Credit is licensed and regulated by the Ministry of Law and is fully compliant with the Moneylender’s Act, making it a reliable and credible money lender to consider.

Before taking up a business loan with us, consider the following factors:

  • Loan Amount: Determine how much you need to borrow based on your business needs and repayment capacity.
  • Repayment Terms: Understand the interest rate, repayment schedule, and any other fees associated with the loan.
  • Purpose of Loan: Have a clear plan for how you will use the loan funds to benefit your business.
  • Financial Health: Evaluate your business’s financial health to ensure you can afford the loan payments.
  • Risk Management: Consider the risks involved with taking on debt and have a plan in place to repay them on time to avoid penalties.

Moneylenders consider several factors before approving a loan, including the borrower’s financial situation, business revenue and expenses, and repayment ability.

To avoid delays in the application process, ensure you are eligible and have all required documents before applying for a business loan with A1 Credit.

Yes, if your business fails, you and your partners are still responsible for repaying the loan. When you agree to the loan terms, you commit to repaying the loan regardless of the business’s success. Failing to repay can negatively impact your credit report, affecting your ability to secure loans in the future.

As a licensed moneylender in Singapore, we strictly adhere to the Moneylenders Act and Rules, ensuring fast and convenient financing solutions. Our commitment to fair and friendly financial services, sanctioned by the Ministry of Law, guarantees ease during your financial issue. 

Here are reasons to choose A1 Credit’s best business loan:

  • Versatile Use: Ideal for expanding your business, purchasing equipment, boosting inventory, covering operational expenses, and more.
  • Fixed Interest Rates: Ensure stable and predictable monthly repayments.
  • Fast Processing: Approval and disbursement are swift.
  • No Collateral Required: Borrow without securing the loan with assets.
  • Early Repayment Discount: Save on interest by repaying early.
  • Licensed Moneylender: Regulated by the Ministry of Law in Singapore.
  • Flexible Repayment: Tailored to your financial situation.
  • Fair Treatment: All customers, even those with poor financial history, are treated fairly.
  • Convenient Online Application: Apply from anywhere for instant approval.

Yes, it is possible to obtain a business loan even with a bad credit score. While traditional lenders like banks may have strict requirements regarding credit scores, licensed moneylenders like A1 Credit may consider other factors such as your business revenue, financial statements, and repayment ability. It’s advisable to discuss your situation with the lender to explore your options.

The best business loan depends on the amount needed, repayment capacity, and credit history. Banks offer higher loan amounts and lower interest rates but have strict eligibility criteria and longer processing times, requiring a high credit score. 

A loan from a licensed moneylender like A1 Credit offers more flexible terms, faster approval, and disbursement, making it ideal for immediate financial needs.

Yes, business loans are available in Singapore from banks, licensed moneylenders, and other financial institutions, each with its eligibility criteria, terms, and interest rates. 

Banks offer larger loans with lower rates but have stricter requirements. Licensed moneylenders, like A1 Credit, offer more flexible terms and faster access to funds, ideal for businesses needing quick financing or facing challenges meeting bank criteria.

SME loans provide financial support to small and medium-sized businesses for various needs. The process involves applying with a lender, undergoing an assessment based on the business’s creditworthiness and financials, and if approved, receiving the loan with agreed terms, including interest rate, amount, and repayment schedule.


Get preliminary approval in 30 minutes by applying here
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