A1 Credit SG Pte Ltd is a licensed moneylender (License No. 24/2021) listed in the Registry of Moneylenders, under the Ministry of Law in Singapore.

Business Loan

Need a business loan package with minimal requirements, fast disbursal of cash, and manageable monthly payment, then look no further; A1 Credit’s SME business loan is for you!

  • High loanable amount up to $200,000
  • Flexible repayment terms; 6-24 months
  • Fast approval; within 1 hour only!
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SME Business Loan Singapore

Advantages of Getting a Business Loan with A1 Credit

It is understandable that most banks and other financial institutions do not welcome bad credit scores customers. Unfortunately, most struggling owners are the ones who have had bad credit scores from their previous attempts to make their business work.

A1 Credit supports enterprises to prosper and progress by providing excellent loan amounts even for business owners that have poor credit scores. Even if you’re indebted or have plans to improve your business, we can surely help you in many different ways.

Your Money Woes Sorted Within The Day

Choose our Company for the Best Business Loan in Singapore

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Apply

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

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?

singaporean

Business or the Company Must Be Registered In Singapore

singaporean

Business Has Been Operating For At Least One Year

singaporean

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.

JOSE JESUS II SANTIAGO MARI

Loan officer is very kind. This credit company is responsive.

7/26/2021
M veeram

Gd

7/26/2021
Lawrence Yapp

Good service and responsive.

7/24/2021

Avail of Loan From

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

Get your Loan Approved in 30 minutes!

ANSWERS TO YOUR QUESTIONS

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.

It depends on a company’s SME profile and its credit analysis. A1 Credit offers interest rates for a business loan ranging from 5% to 15% per month.

Understand that your loan amount will depend on the legal requirement and your qualification. Here’s the list of loanable amount A1 Credit offers:

  • Business Loan – SGD $10,000 to $200,000
  • Bridging Loan – SGD $5,000 to $200,000
  • Foreigner Loan – SGD $500 to $30,000
  • Payday Loan – Up to one month worth of income
  • Personal Loan – SGD $500 to $50,000

It varies. While most banks and financial institutions require at least a day for loan applications to be approved, licensed money lenders, such as A1 Credit can assure that your application can get approved within an hour.

Before getting any loans in Singapore, it is important to consider the best money lending company to borrow from, with the most ideal interest rates, its requirements, and what is/are the loan suitable for your needs.

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.

While borrowers are highly encouraged to consider a few things before availing of loans – which include interest rates, contract terms and conditions, as well repayment duration and processes, licensed moneylenders would also always have to weigh things out before granting a request.

Licensed moneylenders would always consider a borrower’s:

  • Financial Situation
    Most lenders may impose their minimum requirement for annual income but it is unlikely for lenders to allow an application to be approved if a borrower is unable to meet the requirements needed. Thus, if a business owner’s financial status is critical, it would be difficult for them to borrow money. 

  • Business revenue and expenses
    Moneylenders would always carefully review an owner’s venture before granting them loans. This is ideal and necessary for them to understand whether a business would be able to follow the terms and conditions under their loan package. If a business continues to progress, it’s good news.

  • Repayment ability
    Loan applications can easily be approved if lenders are assured that their potential borrowers would be able to repay them on or before their repayment deadline. This is also one of the many reasons why borrowers should always get the cash they are only able to compensate – to avoid debt, at least, and bad credit history. (The repayment period for A1 Credit’s business loan is up to 24 months or 2 years, subject to the terms and agreement of the loan.)

A good score to get a business loan from banks is 720 and above. 

However, it’s not entirely true that credit scores matter greatly to get a business loan approved. One financing option is through licensed moneylenders, such as A1 Credit. Moneylenders use supporting documents from you to establish a borrower’s ability to repay the loan.

Unfortunately, yes, you and your partners would have to. Once an agreement is settled after an application, it is understood that you must be able to repay your loan when it is due under any circumstance. If you fail to make this possible, it would appear on your credit report, which can be a huge factor for a borrower being unable to make applications in the future.

When you get a loan from A1 Credit, you do not have to worry about your credit scores. So, if you are looking for business loans, all you need is to present your financial capability to repay, the feasibility of your business model, and you’ll get your loan approved in no time!

Also, with A1 Credit, you can conveniently get a business loan for all types of big or small businesses in Singapore, as long as your business or company is registered in the country, has been operational for at least one year, and you are able to present your financial capability to repay the loan and meet the business loan requirements.

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