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Working Capital Loan Advisory for Singapore SMEs

Up to S$500,000 in Working Capital, No Collateral Required

Fund a contract, cover operating costs or bridge a cash flow gap. Former bankers prepare your application and match you to lenders likely to approve it, with repayment over 12 to 60 months.

Free Loan Assessment

Under 5 minutes. A Mirae advisor replies within 1 business day.

No application fee. Your details stay confidential.

Thank you. A Mirae advisor will be in touch within 1 business day.
Advised by Mirae Advisors
EnterpriseSG EFS-WCL scheme
Private Credit Loans
The Cash Flow Gap

Get Funded Before Your Customers Pay

You secure the contract, but the costs come first. Your supplier requires a deposit in the first week, payroll is due at the end of the month, and your client may not pay for another 60 days.

Money out before money in
Day 0Contract won
Day 7Supplier deposit due
Day 30Payroll due
Day 60Client finally pays
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See what your business qualifies for. It’s free and takes under 5 minutes.

Check Your Eligibility
How Mirae Works

Mirae Advisors on Your Side, Not the Lender's

Self-Submission

1 application, 1 bank, 1 wait at a time

You prepare the paperwork yourself, then wait weeks for each answer.

With no property to pledge, the answer is often no, or unclear.

Every rejection means starting again with the next bank.

Through Mirae

1 application, presented to several lenders at once

How would Mirae do it:

Step 1. Assess your business and financing profile.

Step 2. Identify suitable financing options and providers.

Step 3. Prepare and support the application.

Mirae is not a lender. We structure your application the way lenders assess it, then submit it to our panel of lenders at the same time.

Let Mirae Advisors take your application to the Panel.

Speak to a Mirae Advisor today
The Loan at a Glance

Borrow Once, Repay the Same Amount Every Month

Borrow up to S$500,000The maximum under the EFS-WCL scheme for qualifying SMEs.
Repay over 12 to 60 monthsYou choose the term. The instalment stays the same from the first month to the last.
Pledge nothingNo property, equipment or personal assets are put up. Lenders assess the business, not what you own.
Try a term and watch the repayments
S$200,000
36 months

That means 36 equal monthly payments of S$0, including principal and interest.

Total interest
S$0
Total repayment
S$0

Illustration only, based on an assumed 7% p.a. interest rate compounded monthly. Your actual instalment depends on the lender's offer. A Mirae advisor gives you the realistic figure during your free assessment.

Find out your realistic quantum and term.

Get a Free Consultation
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Testimonials

What Clients Say About Working With Mirae

“Mr Chong has been following up closely with me and has taken the time to understand my business and give me useful advice. I find him genuine and sincere in wanting to help. I was comfortable enough with his service that I even recommended a potential client to him.”
Shilpa
Shivshil Cuisine Pte. Ltd.
“We needed around S$250,000 for our M&E business cash flow, and Mr Chong helped us secure S$230,000 from three different banks. Throughout the process, he was reliable and followed up closely with us. What we appreciated most was that he focused not only on getting us the loan. He also shared his views on our financial situation and advised us on how we could manage our finances better.”
Kelly Cai
Singapore Electrical Services and Building Maintenance Services
“Louis from Mirae Advisory has been very attentive and helpful throughout the process. He took the time to understand our business needs and provided practical advice on our financing options. I appreciate his genuine and sincere approach, as well as his commitment to helping us find suitable solutions for our business. It’s reassuring to work with someone who truly cares about his clients.”
Moonthai Kitchen

Your situation, reviewed by a Mirae Advisor now.

Speak to us now
Common Questions

What SME Owners Ask Before Applying

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No, initial enquiries and consultations are completely free. Any success-based fees are fully disclosed before submitting applications to lenders.

Approval typically takes 3 to 7 business days depending on loan complexity. We pre-audit your documents so applications go in complete and lender-ready from Day 1.

No, our initial assessment is purely internal and triggers no hard credit checks. We pre-screen your profile to apply only where approval odds are highest, protecting your credit score.

Next Step

Find Out What Your Business Qualifies For

Free, and under 5 minutes to complete. A former banker reviews your situation and tells you what is realistically available.

Free Loan Assessment

A Mirae advisor replies within 1 business day.

Your details stay confidential.

Thank you. A Mirae advisor will be in touch within 1 business day.
Check My Eligibility