365 Credit Solutions Pte Ltd is a licensed moneylender (License No. 17/2024) listed in the Registry of Moneylenders, under the Ministry of Law in Singapore.

Business Loan

Building Your SME Business Back Where It Belongs

Shake hands with a client

Business at Your Service

Regardless of how long you have been in business in Singapore, your firm might be facing a degree of recession. That’s normal and perfectly fine. All SME businesses will go through periods of sky-high profit and low periods of recession.

The whys and hows may be important, but just as important are the methods you are going to use to bring your back up when it falls. From expanding your operations to growing your products and services or even enough cash flow and SME working capital to see you through another month – 365 Credit Solutions will make that all possible for you.

365 Credit Solutions’ SME business loans are the perfect solution to your financing woes.

Want to Get a Business Loan With Us?
Follow These Simple Steps Below!

Call or Apply Online

Give us a call at 6222 5500 or set an appointment with us by filling out the form on https://www.365credit.com.sg/

Visit Our Offices

Visit our office and create a customized loan plan specially for yourself

Sign the Loan Agreement

Understand the terms & conditions and then sign the loan agreement

Receive Your Cash

Receive your cash loan within an hour!


Your Business Must Be Registered in Singapore

Your Business Must Be Operational for at Least One Year

Your Business Has a Minimum Turnover of $60,000 a Year


Ladies business deal with client


quote sign

Fortunately, 365 Credit is opened on Sundays because I really needed cash urgently that day. Their service is excellent and Dan helped me a lot. He is friendly and efficient. Recommended!

-Ivan Poh

quote sign

Thanks for granting me the loan 365 Credit! My friends spontaneously decided to go on a short trip and I was short of cash. Luckily I could get a loan of $800 and joined my friends for an amazing trip to Bangkok! It was a fuss free experience

-Toh Cai Lin

Ready to Apply?

Fill out this form and we will get back to you within 3 working hours


Frequently Asked Questions

Your loan can be used for anything related to the business that you want. How it is used for is up to the business itself. Typically, the loan is used for the following purposes:

Pay Off Your Debts Quickly

Some business loans in Singapore can charge high interest rates, making it harder to take on more SME working capital. If your business is dealing with several high interest rate debts, you can take out a business loan with a licensed moneylender in Singapore to cover them. It saves you the cost of paying the extra interest rate – which is crucial if you intend to avoid ballooning interest rates.

A moneylender’s small SMEs loan amount is reasonable, allowing you to take advantage of our loans to the fullest extent possible.

Cushioning The Impact of Low Sales Or Current Economic Problems

Unlike big businesses, SMEs are most vulnerable to changes in the economy. An unexpected incident – a viral outbreak, economic recession or changes in consumer behavior – will affect your businesses, forcing you to look for a loan or other ways to obtain more funds for the company to stay afloat.

You might even have to downsize your company considerably, losing a lot of what you’ve worked for over the years. You might even need to obtain a working capital loan from a licensed moneylender to continue pushing on. Luckily, 365 Credit Solutions can help you obtain the financing loans in Singapore that you need for your company.

You can even obtain a working capital loan within the day of your loan application, something that banks and other financial institutions will not be able to do. We understand that sometimes, a quick approval could be the difference between a successful sale and lost revenue.

Expansion Without the Hassle

Any business in Singapore that wishes to expand needs more working capital loan and financing than what they currently have. Taking out a business loan in Singapore would make it easy for your company to expand without the worry about the time spent and the costs incurred.

However, keep in mind that when taking out business loans, Singapore bank would tend to take a longer time to manage your loan application for your financing and expansion. A licensed lender, on the other hand, would only need to question your company’s repayment capabilities before approving your loan.

With supporting documents and a well-laid expansion plan, you can quickly receive your loan, have great repayment terms with adequate spaces in between, and go through with your branch expansion plans and adequate cash flow.

Increase Production and Service Quality

New equipment can make your old or new enterprise improve its efficiency and meet your logistical goals in no time with optimal cash flow.

Better tools and devices improve the productivity and stability of SMEs’ operations. By increasing your production and service quality, you give your brand better value and recognition from your customers.

As per the regulation of the Singapore Ministry of Law, all moneylenders in Singapore can only set a maximum interest rate cap of 4% per month for all personal loans. Any interest rate above this amount will subject the moneylender to licensure review provided they have to comply with the imposed interest rate cap.

However, the maximum interest rate of 4% does not apply to a SMEs business loan in Singapore. Business loans for SMEs have different interest rates. Our interest rates range from 5% to 15%, depending on the amount taken, tenure, and the form of collateral offered.

Generally, our SME business loan can go up to $200,000.

The amount you are eligible to apply, however, has very much to do with your business’ revenues, your current costs, the viability of your expansion plan, other business loans that you might have, and other factors. We will work together to decide the business term that suits your financial position.

If your company needs more funds, a good way to secure more loans is to offer higher value collaterals. The collateral can be anything of value that the company holds that would act as a guarantee for the business.

In the event that 365 Credit Solutions cannot provide your ideal loan amount, we are happy to work with you to explore other solutions and SME loan packages that would fit your needs. In the unlikely event that we are unable to reach an ideal solution, it can be possible for you to obtain an additional loan with other moneylenders in the form of personal loans for the remainder, but that is subject to their own loan application process, further processing fees, and interest rates and approval processes.

You won’t need to wait long. If you have submitted all the necessary documentation, your loan application will be approved within 2 working days.

Once approved, your SME business loan would be disbursed within the hour, making it easier for you to resolve your financial issues as quickly as possible.

There are several business terms that a lender would look at while going through your loan application process.

We would look at your company’s ability to repay the loans, not its credit history. Our evaluation depends on your company’s current income and expenses. If it’s clear that your company is earning enough, you can get your financing released on the same day. Make sure to submit all the documentation requirements when you submit your loan application to us.

No, it won’t. 365 Credit Solutions prides itself on keeping our customers’ information private. We take privacy very seriously and do not share your information with outside third parties for any reason. Any information provided to us will be kept and treated with the utmost respect.

When taking out business loans, consider your repayment capabilities, the terms and conditions of the loan, and interest rate and if taking the loan would be sufficient for all your needs when making your monthly loan repayment. This helps you avoid financial strains and snowballing interest.

Do speak to our knowledgeable loan officers who will be able to assist you if you find yourself needing a higher loan amount for your needs. They would be happy to help you figure out what you need.

Getting a larger loan in Singapore can be tough with banks and lenders scrutinizing every part of your operations. A good way for Singapore SMEs to obtain larger financing is to obtain secured loans, putting up larger and more valuable collaterals from your business.

This way, the collateral will guarantee you larger sums of money and the ability for your business to pursue larger businesses loans.

Yes. Unfortunately, you and your partners would need to repay the loans taken out. Please note that if you or your partners feel that you are unable to service the loan, do speak with our team of loan officers so that we can all work something out with you.

There are plenty of places to get the best loan in Singapore. However, not every moneylender is licensed and registered in the Registry of Moneylenders. This means that if you are looking for the best business loans, you need to know which lender is licensed, reliable and highly rated. In that case, you should go online to find out if the lender you are looking to borrow is licensed and highly rated.

365 Credit Solutions is both.

We are not only licensed but also voted as one of the best licensed moneylenders in Singapore, both on loan comparison sites and review sites in Singapore.

There are several reasons why you should borrow from us, and all of it good.

We Are Rated Very Well on Google Reviews and Loan Advisor

We are regularly given 5 stars on online reviews, most prominently on Google reviews and Loan Advisor making us one of the most trustworthy lenders in Singapore. All of our reviews are from happy customers that have repeatedly returned to us over the decade we have been in business. Trust is our number one priority and we take it seriously.

Our Clients Come First; You Are Our Top Priority

As we’ve said, you are our priority. We’ve made a name for ourselves in the industry serving and helping individuals and companies out financially. We will always ensure that you are given the best advice and help, every step of the way.

Safe and Secured Business Transaction

Your information is secure with us. We do not share it out with any third parties. All transactions done are treated with the utmost respect.

Convenient and Quick Cash for Your Business Loan

As part of our mission to keep you as our top priority, speed of loan application process is a must. Once you have applied with us, it takes 2 working days to approve your loan application, and less than an hour to disburse the loan to you. Simple, convenient, easy.

Call Now
× WhatsApp Us