Cash Mart Pte Ltd is one of the very few licensed moneylenders in Singapore that strictly operates independently where clients information are kept fully confidential and not distributed. As a licensed personal loan moneylender in Singapore, we do not advertise nor solicit any advance fees for pre-approved loans through SMS, over the phone or emails. In case of any issues, contact us at 6397-4111 or

The In-Depth Guide to Getting a Business Loan in Singapore

Your Privacy and Security, Protected

We take full measures to protect your identity.

Your Application is 100% confidential.

Small Loans, Big Solutions

Access extra cash when you need it the most from your online lending partner.

Short Term Loans

We offer the most flexible repayment terms you can meet with ease.

Money on Demand

Get your cash in less than 30 minutes after you signed your loan contract with us.

Trusted Transparency

From our online loan calculator to loan contract - we ensure no hidden charges!

Eligibility and Documents Needed
  • Loan applicant must be aged 21 years and above
  • Singapore Citizen or Permanent Resident
  • In employment
For Salaried and Commission-based Employees
  • Identification Card (NRIC)
  • Singpass Login
  • Proof of billing ( Any latest bill indicating residential address)
  • Latest 3 month original payslip (Only applicable if there is no cpf contribution)
  • Letter of employment (Only applicable for new employment)
For Self Employed
  • Identification Card (NRIC)
  • Singpass Login
  • Notice of assessment (NOA indicating trade income)
  • ACRA (Accounting/Corporate Regulatory Authority)
  • Proof of billing ( Any latest bill indicating residential address
For Taxi Drivers
  • Identification Card (NRIC)
  • Vocational license
  • Taxi pass
  • Min 7 days job summary
  • Proof of billing ( Any latest bill indicating residential address)

Monthly Installment Calculator

Get the numbers you need here.
How much do you want?
$ 5000
How long do you want it for?
Total Interest:

$ 180.00

Total Payment:

$ 5,180.00

Weekly Installment:

$ 1,295.00

We Take The Stress Out of Borrowing
With 4 Simple Steps

  • Sign-Up Online

    Fill up our loan inquiry form after using the online loan calculator. Get a call from our loan officer to schedule your visit with us.

  • Verify Information

    Visit us and bring your personal documents. Our loan officer will verify your information as part of our due process.

  • Get Funds

    Get your funds in as fast as 30 minutes after signing your loan agreement with us.

  • Repayment

    Make sure to repay your loan on time to get a hassle-free higher loan amount. Pay through PayNow, bank transfer or in-person.

How Personal Loan In Singapore Can Help You

What is a Small Business Loan?

Business loans are especially created to help in businesses’ various needs. Good cash flow grows businesses and keeps it thriving. But there are times when there is a sudden need for more working capital. Fortunately, licensed money lenders can lend money for your small business.

Who Can Get a Small Business Loan in Singapore?

Small business loans are for Singapore-based businesses operating for the past two years.  

At least 30% of shareholdings belongs to a Singaporean or a Singapore PR. The minimum turnover should be S$200,000.

Of course, you have to submit the needed documents such as Photocopies of Sole Proprietors or Partners’ passports, Company’s bank current account statements, Company’s financial statement for the last year, and Income Tax Notice of Assessment.



Why Get a Small Business Loan in Singapore?

Small business owners get a business loan for different reasons. Everyone wants to drive his or her business ahead of the competition. But lack of funds will slow the business growth. Here are the specific reasons entrepreneurs get a loan for their small business.

  • Expand Operations


There is no place but to go up for a thriving business. If you need to expand your office, then you need funds to buy a bigger place. Otherwise, you will need a loan to renovate your office.

  • Purchase Equipment


Need to speed up your production? Then it is time to buy new equipment. Your new equipment can be tax-deductible for the first year. If you take care of it and it is huge machinery, you can use it as collateral for future bank loans.

  • Replenish or Buy Extra Inventory

Need to buy products for the upcoming season? Don’t let your clients think that you are not prepared. Be sure that you have enough stocks of goods to make them happy.

  • Increase Working Capital

Working capital is a necessity to ensure quality operations each day. If the demand increases, then you need more working capital.

  • Build Credit for the Future

If you are aiming to increase your credit score, then it is time to get a business loan and pay it on time.

  • Grab a Good Business Opportunity

A new commercial space suddenly became available? Or perhaps new equipment went on sale? Don’t miss the chance. Use a business loan to grab the rear opportunity.

  • Add a Staff

Need more hands to meet the increasing demands? Get a business loan to hire more staff and grow your business.


What to Consider When Getting a Small Business Loan?

Determine the purpose of your loan and the return of your investments. can you handle the loan and will you be able to gain more returns after using it?

Interest rates are based on your company’s credit history. Lenders also consider the personal credit history of the business partners.

Study the interest rates, repayment terms and conditions before borrowing money.

Also, seek advice from your loan officer or consultant during the application process. 

Where to Apply for a Small Business Loan in Singapore?

The best place to apply for a small business loan is from a licensed money lender. They have lower rates since they.

Getting a business loan in Singapore may need a strict application process. It is because they offer longer payment terms than personal loans. They also ask for fewer documents since the small business loan does not require a collateral.


What are the Terms for Small Business Loan in Singapore?

If you are applying for a small business loan from a licensed moneylender, you will get shorter repayment terms from a few weeks to a couple of months.

Does your small business need immediate funds? The unsecured business loan can provide quick cash. If you use the cash and get returns in short time, then this type of loan is perfect for you.


How to Get a Small Business Loan in Singapore?

Getting a small business loan from Cash Mart is easy.

Simply sign up online to make an appointment. You will get a call to confirm your appointment. 

Then bring your requirements to the Balestier office and get verified.  

Licensed money lenders will review the financial performance of your company for the past two years. The lender will asses the borrower’s capabilities to pay for the loan based on the documents provided.

If you get approved, you can get your loan immediately. 


What are Small Business Loans in Singapore?

Small business loans are provided to small businesses. If you have ten or fewer employees, you may qualify for the loan. One scheme for small business loans is the SME Micro Loan.

SME Micro Loan may have lesser requirements. This, in turn, helps a small company to secure funds easily.


What is the Interest Rate for Business Loan in Singapore?

Interest rates vary between lending institutions. You may call or visit the website to inquire about the interest rate. Also, ask for the fine print in the loan application.

Figure out if the interest rates are fixed or variable. A fixed-rate remains constant during the loan period.

Variable-rate differs according to the fluctuation of the general annual percentage rate. The risk about it is that it is low at first but can double or triple later.


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