SME Working Capital Loan — Fast Approval, No Collateral
Get the boost your business needs with an SME working capital loan. Instant access to funds, no collateral, approvals in just days.
What Is an SME Working Capital Loan?
An SME working capital loan in Singapore is a short-term financing solution designed to help businesses manage everyday operational expenses such as payroll, supplier payments, and unexpected costs. Working capital loan companies offer these loans to enable SMEs to maintain liquidity without interruptions to their cash flow.
As a highly reviewed working capital lender, we offer fast and instant working capital loans to Singapore’s SMEs through a simplified online application process and quick approvals. Here at Holistic Enterprise, our goal is to deliver flexible, reliable funding solutions that strengthen operations and support sustainable growth.
How Can Working Capital Loans in Singapore Help?
Manage Daily Operational Costs
An SME working capital loan provides reliable funds to cover everyday expenses such as payroll, supplier payments, and overheads. It lets you keep your operations running without cash flow disruptions.
Handle Unexpected Expenses
An instant working capital loan ensures you have quick access to cash when unforeseen costs arise. It acts as a safety net to help your business manage unplanned operational expenses or emergency purchases and repairs.
No Collateral Required
Fast working capital loans in Singapore are unsecured and do not require collateral. SMEs can access these loans offered by working capital financing companies or working capital lenders without pledging valuable assets, hence reducing financial risks.
Bridge Cash Flow Gaps
SME working capital loans in Singapore help bridge financial gaps from delayed receivables or seasonal fluctuations. As one of the trusted working capital loan companies, Holistic Enterprise offers a seamless application process with quick approvals to meet your financial needs.
Need quick access to funds?
Get an SME working capital loan in Singapore to ease your cash flow right away.
Designed for Singapore SMEs
At Holistic Enterprise, we understand the realities of running a business in Singapore more than any other working capital financing company. Our fast and instant working capital loan is designed to tackle tight cash cycles, rising costs, and unexpected expenses, so you spend less time on paperwork and more time on what matters.
Simplified Online Application
Apply swiftly with Singpass login and DocuSign e-signatures. Application is simple, secure, and fast with a working capital lender like us.
SME-Friendly Eligibility
Our working capital loans in Singapore do not require collateral, lengthy approval processes, stringent business credit scores, or multiple years of financial history.
Local Team, Real Support
Work with our professional loan consultants who understand the Singapore market; they will guide you through the loan process every step of the way.
Why Choose Holistic Enterprise As Your Working Capital Lender?
Fast Application
Apply in minutes with our digital platform. Perfect for SMEs that need an instant working capital loan without delays.
Streamlined Approval
Enjoy quick approval and timely disbursement of funds. Our process for working capital loans in Singapore is built to meet urgent business needs.
Local SME Focus
We understand Singapore’s business landscape and craft SME working capital loan solutions tailored to local market challenges.
Competitive Interest Rates
Affordable interest rate with no hidden costs. Your repayment plan is tailored to your cash flow and financial goals.
Responsive Team
Our loan consultants provide hands-on support throughout the entire process, ensuring you never feel lost or uncertain.
Transparency You Can Trust
No hidden fees, no confusing terms — just clear, honest financing options from one of Singapore’s top-rated working capital loan companies.
Apply for an Instant Working Capital Loan Today
Don’t let cash flow challenges hold your business back.
At Holistic Enterprise, we make applications for working capital loans in Singapore simple, fast, and transparent.
3 Easy Steps to Apply:
- Quick Online Application
Log in with your Singpass/MyInfo Business for a seamless start - Indicate Loan Amount & Tenure
Tell us how much funding you need and for how long - Receive Loan Approval & Fund Disbursement
Get approved in 4 to 6 working days and receive your funds fast
FAQs About SME Working Capital Loans in Singapore
How long does it take to get a working capital loan in Singapore?
At Holistic Enterprise, approvals for working capital loans in Singapore typically take 4 to 6 working days, followed by fast fund disbursement.
Do working capital loan companies require collateral for approval?
No. Our SME working capital loans are unsecured, meaning you can access funds without having to pledge collateral.
What are the eligibility requirements for SME working capital loans?
To qualify for an SME working capital loan in Singapore, your business must meet the following criteria:
- Be a Singapore-registered company with at least 30% local shareholding held by Singaporeans or Singapore Permanent Residents.
- Have a minimum annual revenue of S$200,000.
How much can I borrow from working capital financing companies like Holistic Enterprise?
SMEs can access up to S$500,000 with our fast working capital loans. Generally, working capital financing companies determine the loan amount based on your business profile, cash flow, and needs. Here at Holistic Enterprise, we offer flexible solutions tailored to SMEs of different sizes.
Who can apply for an instant working capital loan in Singapore?
Any Singapore-registered SME looking to cover expenses such as payroll, suppliers, or cash flow gaps can apply for an instant working capital loan with Holistic Enterprise.