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!

Apply For a Fast Cash Loan Online
Get your approval in 30 mins by applying here

We Support Businesses To Grow With Our Best Loan Solutions
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
Steps to Apply
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.

How To Apply
Submit your loan application here.
Upon assessing your case, our loan officer will offer you an amount and explain the terms and conditions of the loan for your understanding.
Once you agree to the loan amount and repayment terms upon discussion, our loan officer will print out the contract for you to sign.
Once the contract is signed, you will receive the cash instantly, hassle-free.

Eligibility

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

Documents Required For Business Loan
- All directors and partners NRIC
- Most recent information report (Business Profile) from the Accounting & Corporate Regulatory Authority
- Most recent Income tax assessment notice (both personal and from the company)
- Most recent financial statement
- Most recent invoices or business contracts
- Most recent utility bills under the company name
- Most recent 6-month bank statements
- List of assets owned by the company, directors & partners (if any)
- Office / Shop Tenancy Agreement (if any)

Google Reviews

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.
I am very plse with the whole process. It's very professional n very pleasant approach. I would recommend my friends neefv

Steven Huang has helped me on my application. He listen to my situation patiently and explained to me carefully on all my questions. His service is really excellent. Thank you Steven.
Thank you Shermaine for your services. It was easy and breeze. Appreciate it.

Avail of Loan From
The Most Reliable Licensed Money Lender in Singapore!
We offer flexible loan plans that best suit your needs!
ANSWERS TO YOUR QUESTIONS
Loan Q&A
What types of business loans are available to me and how can I use them for my business?
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 – Offered by most banks
- Temporary Bridging Loan – Funded by the government
- 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 interest rate from 5-15% and must be paid within 6 – 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 services today.
How can I get a business loan?
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 stated above. When you have selected the lender of the loan, ensure you organize all these papers :
- Directors and Partners NRIC
- Most recent Accounting and Corporate Regulatory Authority
- A new note on income tax assessment (respectively corporate owners and corporation tax evaluation)
- Most recent financial results
- Most recent invoices and corporate contracts
- Most recent utility bills in the name of the company
- Your company bank accounts for past six months
- All properties held by the group, directors, and partners
- A contract for workplace or store tenancy
What are the SME loan interest rates?
Depending 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.
How much business loan can I apply for?
Understand that your loan amount will depend on the legal requirement and your qualification. Here’s the list of loanable amount A1 Credit offers:
Payday Loan – Up to one month worth of income
Personal Loan – SGD $500 to $50,000
Foreigner Loan – SGD $500 to $30,000
Business Loan – SGD $10,000 to $200,000
Bridging Loan – SGD $5,000 to $200,000
How long does it take for a loan to be approved?
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.
What should I consider before taking up a loan?
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.
Can I get a business loan for my small business from A1 Credit?
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 the country. It must also be operational for at least one year. Furthermore, you should be able to present your financial capability to repay the loan and meet the business loan requirements.
What are the factors that moneylenders consider prior to approving the loan?
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.)
Will my business information be made public if I apply for a loan with you?
Know that every application process made with us is private and so is yours, thus, borrowers can guarantee that as a legal independent provider, we do not release our clients’ information to any third party.
What's a good credit score to get a business 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.
If my business fails, do I still need 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.
How do I know whether a moneylender is licensed or not?
You can verify if a money lender is licensed by checking this list by the Ministry of Law.
How can I tell whether an advertisement is from a licensed money lender or an unlicensed money lender?
Under the advertising rules, licensed moneylenders are allowed to advertise only through these three channels:
- Business or consumer directories (in print or online media)
- Websites belonging to the money lender
- 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 illegal advertisements, report the violation to the Registry at 1800-2255-529 or via their website.
How can we help you and why choose our business loan?
Running a business can be a struggle and learning it on the go will be even tougher. It is certain that taking out a loan for your business in Singapore with banks while saddled with bad credit scores can be difficult.
However, 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 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!
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.
Furthermore, A1 Credit is one of the most reliable licensed moneylenders in Singapore. With a greatly experienced team, we provide a wide variety of solutions for every borrower that needs cash conveniently with the lightest, easiest and flexible repayments possible.
We only impose regulations under the Moneylenders Act and Rules, and we guarantee that all customers — even those with bad financial history — receive immediate financing to resolve their financial needs quickly and conveniently.
We have stringently followed the conditions set by the Ministry of Law while providing fair and friendly relationships to customers with our financial services to assure that their great time of need is made much easier. Just use our online application facilities to get the services you need instantly!
Moreover, A1 Credit is known for its three strong points:
- Low-Interest Rates and Flexible Payment Plans Here at A1 Credit, our financial plans are tailored specifically to give you the breather in focusing on what really matters in your life and even in business.
- Fast Cash Loans On The Spot As one of the most trustworthy money lenders in the country, A1 Credit has made the application processes as simple as possible especially, during emergencies, ensuring disbursing of cash within an hour is likely.
- 100% Secure and Confidential Every application process made with us is private and so is yours, thus, borrowers can assure that as an independent provider, we do not release our clients’ information to any third party.