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 business owners 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. Money lenders such as A1 Credit provide excellent business loan amounts even for business owners that have bad credit.
While it is understandable that traditional financial institutions and banks do not welcome customers with bad credit scores, unfortunately, most unsuccessful or struggling business owners are the ones who have these failed 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.
Worse yet, the debt-ridden business owners never have a chance to recover from their previous losses.
Money lenders such as A1 Credit can help business owners.
That way, they 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, 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.
business owners with debt consolidation

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. Running a business while learning it on the go is tougher still. 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 business loan 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 from happening in Singapore.
A1 Credit can help you finance your business ideas and receive the cash shortly without any hassle. Money lenders can provide you with a business loan if you can provide a financial statement that shows you are fit to repay the amount you need for your business to take off.
Unlike banks, we won’t ask you about ROI schedules or profitability. Instead, we’ll work with you in creating a feasible payment plan that works for everyone. 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.
At A1 Credit, any business idea is welcome, and approval is fast and quick. By using our services, you can 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 small business owners 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 loans 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 business loan repayment plan in no time. When you work with A1 Credit, you only get quality service and 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


  1. All Directors / Partners NRIC
  2. Recent information report (Business Profile) from the Accounting & Corporate Regulatory Authority (ACRA)
  3. Recent Income tax assessment notice (both personal & from the company)
  4. Recent financial statement
  5. Recent invoices or business contracts
  6. Recent utility bills under the company name
  7. Recent 6-month bank statements
  8. List of assets owned by the company, directors & partners (if any)
  9. Office/Shop Tenancy Agreement (if any)
  10. 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.

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

4.9 203 reviews

  • Avatar Jonas Santos ★★★★★ a week 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 shop patrol ★★★★★ 2 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 ★★★★★ 8 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 ★★★★★ 2 months ago
    Transaction was fast n smooth. Recommanded!
  • Avatar Jasmine M ★★★★★ 3 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 ★★★★★ 6 months ago
    Nice customer service that will politely explain the details of your contract patiently..
  • Avatar Mohamed Ali ★★★★★ a month 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 ★★★★★ 4 months ago
    Friendly, patient and efficient staff. Explained the procedures and payment plan clearly.
  • A Google User ★★★★★ 4 months ago
    Friendly, patient and efficient staff. Explained the procedures and payment plan clearly.
  • Avatar Mumtaz Begum ★★★★★ 6 months ago
    Very friendly n helpful service given.
  • Avatar razer raihan ★★★★★ 9 months ago
    Very professional staffs unlike others. Very nice office. Very systematic approach on payments and loans. … More
  • Avatar Melissa Tomalin ★★★★★ 9 months 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!


The conventional method requires you to contact a bank and ask about their available offers. However, before they can give you the right borrowable amount, they will ask you about your credit scores. You’ll go through a series of background checks and personal interviews. Once they confirm you have the capability to repay a loan amount you plan to borrow, they’ll check your credit scores.
New borrowers hoping to obtain a capital loan with the banks need to provide full information about their business plans. They must clearly present the business earning funnel, initial expenses, and the soonest time they can provide a return on investment for the business and the full business loan repayment to the bank plus interest. Unfortunately, you’ll need to hold your business plans until you receive your business loan approval, which can take up to several months.
However, if you’re working with A1 Credit, you wouldn’t need to wait quite as long. As soon as you present your business’ proof of income based on initial performance, we’ll have your amount ready and approved within two working days.
It’s never difficult to get a business loan as long as you have good credit scores. But that’s when you’re working with banks.
When you work with A1 Credit, you’ll have no need for credit scores. If you want a business loan, you only need to present your financial capability to repay the loan, the feasibility of your business model, and you’ll get your loan approved in no time.
While A1 Credit might have less than the total business loan amounts banks can offer, we guarantee that you’ll get the amount you need in full within less than a week.
Before getting a loan, it is important to consider which is the best money lending company to borrow from and what is/ are the loans suitable for your needs.
A1 Credit is licensed and regulated by the Ministry of Law and is fully compliant to the Moneylender’s Act, making it a reliable and credible company to consider. It also offers a variety of loans, such as personal, payday, bridging, business, and foreigner loans.
The requirements and eligibility depend on the type of business loans or SME loans you are getting. Please visit here to see if you are eligible to apply.
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 business premises.

All other channels are prohibited.

If you receive flyers, SMSes, emails or other forms of advertisements, these would be from either licensed money lenders operating in violation of the rules, or unlicensed money lenders.
With banks, you’ll need to be a preferred customer in order to get a business loan. Preferred customers have the highest credit scores with flawless records when it comes to repaying and accomplishing their previous financing. In addition, good credit scores open up higher values for excellently-performing customers — even business owners looking for good financing.
After all, business is always risky especially for the uninitiated. An owner can never receive additional financing if they cannot repay their previous debt in full. In addition, business owners have to prioritize their debts instead of having a chance at introducing an innovation that can help them repay their debt with a good business idea.
That’s where A1 Credit comes in. By having an opportunity to get financing for a convincing business idea regardless of your bleak credit scores, you can finally introduce an innovation that can help change your life, repay all your debt, and improve your life too.
The amount of time you pay a business loan is not set in stone. If you take out a bigger loan, you’ll need to pay it for a longer time.
Often, long-term business loans incur higher interest rates, which is why A1 Credit needs to know your financial and paying capability to ensure you won’t fall into deep debt.
women thumbs up with A1 Credit

Get preliminary approval in 30 minutes by applying here