BUSINESS FINANCING

Businesses need access to capital at different stages. Aureus Ace helps companies explore suitable funding solutions based on their operations, objectives and financial position.

Business Financing Solutions

Explore funding options designed for different business stages, cash-flow needs and eligibility profiles.

Alternative Business Funding

No Bank Statement Required Facilities

Unable to qualify for conventional bank financing because of your operating statements? Explore alternative facilities offered through participating financial institutions.

✓ Preserves your bank Working Capital Loan limit of up to S$500,000
✓ No loan disbursement reflected in your operating bank statement
✓ No financing commitment reflected in your operating bank statement
Facility Maximum Amount Interest Rate Tenure Typical Approval Suggested Applicant Profile
Option #1 S$30,000 0.4% p.m. 60 Months S$30,000
  • All company types
  • Minimum S$30,000 NOA
  • BTI pass
  • CBS HH and above
Option #2 S$30,000 0.7% p.m. 12 Months S$15,000
  • All company types
  • Minimum S$30,000 NOA
  • BTI pass
  • CBS DD and above
Option #3 S$200,000 0.5% p.m. 12 Months S$30,000
  • All company types
  • Minimum S$30,000 NOA
  • BTI pass
  • CBS HH and above
Option #4 S$30,000 0.5% p.m. 60 Months S$50,000
  • Private limited companies only
  • Minimum S$30,000 NOA
  • BTI pass
  • CBS DD and above

Option #1

Maximum AmountS$30,000
Interest Rate0.4% p.m.
Tenure60 Months
Typical ApprovalS$30,000
ProfileAll company types
Minimum S$30,000 NOA
BTI pass
CBS HH and above

Option #2

Maximum AmountS$30,000
Interest Rate0.7% p.m.
Tenure12 Months
Typical ApprovalS$15,000
ProfileAll company types
Minimum S$30,000 NOA
BTI pass
CBS DD and above

Option #3

Maximum AmountS$200,000
Interest Rate0.5% p.m.
Tenure12 Months
Typical ApprovalS$30,000
ProfileAll company types
Minimum S$30,000 NOA
BTI pass
CBS HH and above

Option #4

Maximum AmountS$30,000
Interest Rate0.5% p.m.
Tenure60 Months
Typical ApprovalS$50,000
ProfilePrivate limited companies only
Minimum S$30,000 NOA
BTI pass
CBS DD and above
New Business Funding

Start-Up Facilities

Financing options for newer companies that may not meet the longer operating-history and revenue requirements imposed by conventional lenders.

Minimum IncorporationNo Minimum – 12 Months
Minimum RevenueS$100,000 – S$150,000
Maximum LoanS$100,000 – S$200,000
Maximum Tenure48 – 60 Months
Typical ApprovalS$30,000 – S$120,000
Financial statements may not be required for selected start-up facilities. Final eligibility remains subject to assessment.
Bank Financing

Government-Assisted Financing

Bank facilities supported through government risk-sharing schemes. These options are generally suited to established businesses with healthy account conduct and sufficient balances.

Interest Rate0.32% – 0.42% p.m.
Maximum TenureUp to 60 Months
Combined LimitUp to S$500,000Across participating banks
Minimum RevenueS$150,000 – S$700,000
Typical ApprovalS$100,000 – S$300,000
Healthy bank statements and average balances of approximately S$8,000–S$10,000 may be required. Financial-statement requirements differ between participating institutions.
Alternative Lending

Peer-to-Peer Lending

A flexible financing route for companies requiring quicker disbursement, more accessible eligibility requirements or short-term cash-flow support before approaching a bank.

Loan AmountS$50,000 – S$200,000
TenureUp to 36 Months
Interest RateFrom 0.83%
Typical ApprovalAround S$150,000
Company TypePrivate limited companies and selected sole proprietorships
Availability remains subject to the lender's assessment.
Short-Term Working Capital

B2B Private Lending

Short-term funding offered by private lenders and family offices. It is designed for businesses requiring larger amounts and faster access to capital, although financing costs may be higher than conventional bank loans.

Facility LimitS$300,000 – S$1,000,000
Interest RateFrom 0.58% p.m.
Credit Term30 – 120 Days
Company TypeNo Fixed Restriction
Typical ApprovalS$300,000 – S$600,000
Receivables Financing

Invoice Financing & Factoring

Convert unpaid invoices into working capital before their due dates. Suitable for businesses managing projects, recurring expenses or extended customer payment terms.

✓ Receive up to approximately 80% of eligible invoices upfront
✓ Supports projects requiring consistent cash flow
✓ Suitable for invoices issued to established companies or government-linked entities
Facility LimitSubject to Aging List
Interest Rate0.58% – 0.69% p.m.
Credit Term30 – 90 Days
Company TypeNo Fixed Restriction
Typical ApprovalS$300,000 – S$600,000

All figures shown are indicative only. Interest rates, approval amounts, eligibility requirements, processing times and facility terms are subject to the respective financial institution's assessment.

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We value your interest in our services. Whether you have a question, want to explore more possibilities, or require expert advice, we are here to assist you.