A1 Credit Pte Ltd is a licensed moneylender (License No. 23/2020) listed in the Registry of Moneylenders, under the Ministry of Law in Singapore.

Business Loan

Setting up a business can cost you a fortune. You might face unexpected payment delays from clients resulting in a cash shortfall or experience slow seasons, limiting your cash flow and liquidity. But don’t fret! With our Business Loans, we can take care of these pitfalls to keep your business afloat and running smoothly.

Helpful in the following situations:

  • Employees’ salary
  • Expansion expenditure
  • Overhead expenses

Loanable Amount:

SGD $10,000 to $200,000


Problem of Business Owners

Most Singaporean businesses struggle to find financing even having gone through the ordeal of finding good financing for their business ideas. To encourage innovation and growth, it’s essential to give entrepreneurs an avenue for further financial assistance. While it is understandable that banks and other financial institutions will not welcome bad credit scores customers, unfortunately, most struggling business owners are the ones who have bad credit scores from their previous attempts to make their business work. Due to the constant rejection and exorbitant interest rates even with collateral-secured financing, it will be next to impossible for business owners to repay their debt and expect their business to succeed. Therefore, money lenders such as A1 Credit are here to help in providing excellent loan amounts even for business owners that have bad credit.

With A1 Credit help, business owners can then start recovering their finances and even take out a formal business loan as soon as they can show us their proof of income and capability to pay their financing. At A1 Credit our business loan application requirements are, proof of income, concept feasibility, the capability to shoulder all company expenses, and other information – and not credit scores – are the basis of our provisions when it comes to the likelihood of loan approvals. Therefore, even if you’re indebted or have plans to grow the business, we can help you in many ways.

Apply For A Loan With The Most Reliable Money Lender In Singapore Now!

We have flexible loan packages catered to your every need


business loan solutions

Running a business can be tough, learning it on the go is even tougher. However, business education is best learned in the field, but there is a high price to pay for your failures. Because of that, bad credit is the number-one problem among Singaporean business owners. Taking out a loan for your business in Singapore with banks while saddled with bad credit scores can be difficult. Additionally, you’ll need to present a business plan that guarantees a return of investments within the bank’s estimated period alongside exorbitant interest rates, which could be impossible. This prevents much needed innovation and starts up from happening in Singapore.

With money lenders now helping Singapore’s business owners to find financing that helps them recover their business and credit scores, they have a chance to once again revitalize their business, beat red tape, and improve their financing in the best way possible.

Unlike banks, we won’t ask you about ROI schedules or profitability. At A1 Credit any business idea is welcome, we can help you finance your business ideas and receive the cash shortly without any hassle. By using our services, we’ll work with you in creating a feasible payment plan that works for everyone and find financing quickly, as long as your business financial statement proves that you’re capable of repaying your loan regularly.


shake hands clip art

Your business or company must be registered in Singapore

Singapore bank

The business must be operational for at least 1 year

Singaporean dollar

Minimum Turnover of SGD60,000


Fast Cash Approval Business Loan

Fast Cash Approval

Banks and other traditional financial institutions can be cautious giving out business financing loans. They have to make sure you’re capable of repaying the loan amount you’ve taken out for the business and that could limit your business financing options. Some businesses might even resort to taking out high interest rate loans to keep their business afloat. This would be an extremely risky thing to do as it could lead them to even more trouble once the money runs out and their loan repayment dates come due.
In addition, you can get indebted in the first few months even before your bank approves your loan. The lengthy approval process isn’t helpful especially if you’re trying to beat a profitable sales deadline that could spell the end or be the redemption of your business. With A1 Credit, you can get your business loans to fund your business dreams with the fastest approval time possible. Without prioritizing credit scores and by only presenting your business financial statements that prove you can pay for your financing regularly, you won’t have to contend with months or even years of waiting for your financing to finally receive approval.

Any Credit Score Is Eligible

We don’t look at your credit scores solely when it comes to approving a borrower’s application. Instead, we turn to your current income. We don’t mind how terrible your credit history is. If you can prove to us that you have a steady income stream and the ability to repay the loan amount you’re borrowing from us, we can help you with a sustainable payment plan that helps both parties. As long as you provide your financial statement and other important documentation, we can always help you create the perfect loan repayment plan in no time. When you work with A1 Credit, you not only will get the best quality service you can find but also exceptional results for all your business needs — even if the banks have already deemed you unfit to repay a loan.
Credit Score for Business Loan


  • All Directors / Partners NRIC
  • Recent information report (Business Profile) from the Accounting & Corporate Regulatory Authority Profile (ACRA)
  • Recent Income tax assessment notice (both personal & from the company)
  • Recent financial statement
  • Recent invoices or business contracts
  • Recent utility bills under the company name
  • Recent 6-month bank statements
  • List of assets owned by the company, directors & partners (if any)
  • Office/Shop Tenancy Agreement (if any)
  • Singpass ( to log into CPF, HDB, IRAS website)
requirements in getting a loan


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.

    5 star review  Very good customer service. They will explain everything you need to know. Also, you can get the approved loan amount within the day. Highly recommended.

    thumb Jonas Santos

    5 star review  Friendly staff , doesn't try to rush things , will explain everything in details and let you understand .

    thumb Desmond Ng

    5 star review  Thank you Shermaine for your services. It was easy and breeze. Appreciate it.

    thumb Liza Yasin

A1 Credit: Best Licensed Money Lender Personal Loan Singapore Chinatown IconA1 Credit: Best Licensed Money Lender Personal Loan Singapore Chinatown

2 Havelock Road, #02-08 Havelock II

4.9 224 reviews

  • Avatar Jonas Santos ★★★★★ 3 months ago
    Very good customer service. They will explain everything you need to know. Also, you can get the approved … More loan amount within the day. Highly recommended.
  • Avatar Janice Teo ★★★★★ 3 weeks ago
    Steven Huang has helped me on my application. He listen to my situation patiently and explained to me … More carefully on all my questions. His service is really excellent. Thank you Steven.
  • Avatar Liza Yasin ★★★★★ a month ago
    Thank you Shermaine for your services. It was easy and breeze. Appreciate it.
  • Avatar Desmond Ng ★★★★★ 2 months ago
    Friendly staff , doesn't try to rush things , will explain everything in details and let you understand … More .
  • Avatar elsie tiew ★★★★★ a week ago
    I am very plse with the whole process. It's very professional n very pleasant approach. I would … More recommend my friends neefv
  • Avatar Lee Shixian ★★★★★ a month ago
    The staff there was very professional and helpful was attended by Tracy NG. Thumbs up for first time. … More
  • Avatar Razina Begam ★★★★★ 2 months ago
    They explain very clearly and patiently to me and gave me a loan which i can afford to pay and ease my … More burden abit
  • Avatar shop patrol ★★★★★ 5 months ago
    Shermine very friendly staff and willing to help u all the way. Will definitely intro my family and friends. … More
  • Avatar Michay Abadecio ★★★★★ 11 months ago
    Friendly, fast & easy service available from this good licensed moneylender. My first experience … More with them was from 2018. I am usually served by Jay and he was very pleasant and helpful. He serve with smiles and politely throughout all the loans. He did explained to me clearly and the borrowing is very pleasant and hassle free. My future visits were given warm welcome and they even extended their help to assist me on other problems.
    I am very pleased with their service that they rendered to me when I am facing difficulties. They are the best moneylenders in Singapore that brighten up your day. I would highly recommend everyone if you require their personal loan assistance. Thank you A1 Credit, the best legal moneylenders in Singapore.
  • Avatar Umar Siddiq Armaya ★★★★★ 5 months ago
    Transaction was fast n smooth. Recommanded!
  • Avatar Jasmine M ★★★★★ 6 months ago
    Served by shermine , fuss free and explained everything clearly to me . Would definitely recommend using … More them if you are in a tight pinch.
  • Avatar Mohamad Faiz Mohamad Said ★★★★★ 9 months ago
    Nice customer service that will politely explain the details of your contract patiently..
  • Avatar Mohamed Ali ★★★★★ 4 months ago
    Great experiences being the 1st time application was served by Tracy. Explaination was very cleared, … More helpful, professional and very responsive staff.
    Highly recommended.
  • Avatar Putri Alhafiz ★★★★★ 7 months ago
    Friendly, patient and efficient staff. Explained the procedures and payment plan clearly.
  • A Google User ★★★★★ 7 months ago
    Friendly, patient and efficient staff. Explained the procedures and payment plan clearly.
  • Avatar Mumtaz Begum ★★★★★ 8 months ago
    Very friendly n helpful service given.
  • Avatar razer raihan ★★★★★ 11 months ago
    Very professional staffs unlike others. Very nice office. Very systematic approach on payments and loans. … More
  • Avatar Melissa Tomalin ★★★★★ a year ago
    This was my first time filling out an application form for a business loan with licensed Moneylender. … More I am confused and didn't know which company to choose. Then I found A1 Credit. I decided to take a loan from A1 Credit. The loan officer was very friendly and provided me with a business loan. I recommend A1 Credit to everyone.

Business Loan How To


  1. Apply online or call 6336-0833 to set an appointment at your convenience.
  2. Discuss the plan suitable for your budget with our friendly representative.
  3. Read and sign the contract including fees and terms of payment.
  4. Get the cash instantly!


Here are some popular business loans in Singapore:

  • SME Working Capital Loan – Offered by banks
  • Temporary Bridging Loan – Funded by the government
  • Personal Loan for Start Ups- Offered by banks and moneylenders
  • Unsecured Business Loan – Offered by banks and moneylender

A maximum amount of $200,000 can be granted by A1 Credit with an unsecured business loan while the interest rate is up to 15% and must be paid within 12- 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 fair rates and reliable payment contracts. Know more about our services today.

Supporting your loan application with the proper documentation can be a plus factor when applying for a business loan. While it may take more effort, the earlier you submit the requirements, the faster the process. You can get a business loan by following the simple steps above. When you have selected the lender of the loan, ensure you organize all these papers:

  1. Directors and Partners NRIC
  2. Recent Accounting and Corporate Regulatory Profile
  3. New note on income tax assessment (respectively corporate owners and corporation tax evaluation)
  4. Latest financial results
  5. Latest invoices and corporate contracts
  6. Latest energy bills in the name of the company
  7. Current bank accounts for 6 months
  8. All properties held by the group, directors, and partners
  9. Contract for workplace or store tenancy

No, when you get a loan from A1 Credit, you’ll not need to worry about your credit scores. If you are looking for business loans in Singapore for your business or small business, 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.

You can get a business loan for all types of big or small businesses in Singapore, as long as your business or company is registered in Singapore, in operational for at least 1 year, and able to present your financial capability to repay the loan and meet the business loan requirements.

Before getting any loans in Singapore, it is important to consider which is the best money lending company to borrow from, the interest rate, 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.

The loan amount varies depending on legal requirements and qualifications. Here’s the list of loanable amount A1 Credit offers:

  • Foreigner Loan – Up to SGD30,000
  • Payday Loan – Up to one month worth of income
  • Personal Loan – SGD $500 to $50,000
  • Business Loan – SGD $10,000 to $200,000
  • Bridging Loan – SGD $5,000 to $200,000

A1 Credit offers interest rates for a business loan ranging from 5% to 15% per month.

You can verify if a money lender is licensed by checking this list by the Ministry of Law.

Under the advertising rules, licensed money lenders are permitted to advertise only through these three channels:

  1. Business or consumer directories (in print or online media)
  2. Websites belonging to the money lender
  3. Advertisements placed within or on the exterior of the money lender’s premises

All other channels are prohibited, meaning if you receive flyers, SMSes, emails, or other forms of advertisements, these would be from either unlicensed moneylenders or loan sharks.

Should you encounter these illegal advertisements, report the violation to the Registry at 1800-2255-529 or via their website.

Generally speaking, a good score to get a business loan 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

The repayment period for A1 Credit’s business loan is 24 months or 2 years, subject to the terms and agreement of the loan.

  1. Any office or shop tenancy agreements
  2. SingPass to access CPF, HDB, IRAS e-services (Note that we do not ask for username and password)
  3. Partner, director, and company-owned assets
  4. Recent utility bills under the company name
  5. Bank statements in the previous year
  6. Invoices and business contracts in the past few months
  7. Personal (partners) and the company’s recent income tax assessment notice
  8. A few recent months’ financial statements
  9. Accounting & Corporate Regulatory Authority (ACRA) recent business profile and information report
  10. All business directors and partner NRIC
women thumbs up with A1 Credit

Get preliminary approval in 30 minutes by applying here

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