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Business Loan

Business Loans in Singapore: Fuel Your Growth with Unilink Credit

Are you an entrepreneur or business owner in Singapore looking for financial support to grow your company? Unilink Credit Ptd Ltd offers tailored business loans to help you achieve your goals. As a licensed moneylender in Singapore, we provide reliable and legal financial solutions for businesses of all sizes.

Understanding Business Loans

A business loan is a financial product designed to help companies meet their various needs, from managing cash flow to expanding operations. These loans can be used for a wide range of purposes, including:

  • Working capital
  • Equipment purchase
  • Business expansion
  • Inventory financing
  • Debt consolidation

Why Choose Unilink Credit for Your Business Loan?

Licensed and Trustworthy

Unilink Credit is a Ministry of Law-licensed moneylender, operating in full compliance with Singapore's strict moneylending regulations. This ensures your business's financial security and peace of mind.

Tailored Solutions

We understand that every business is unique. Our loan officers work closely with you to create a customized loan package that suits your specific needs and financial situation.

Competitive Interest Rates

We offer some of the most competitive rates in the market for business loans, helping you keep your costs manageable.

Flexible Loan Terms

Whether you need short-term financing or a longer repayment period, we can adjust our loan terms to match your business cycle and cash flow.

Quick Approval Process

Time is money in business. Our streamlined application process ensures quick approval and disbursement of funds, often within 24-48 hours.

Eligibility for Payday Loans with Unilink Credit

To be eligible for a business loan with Unilink Credit, your business must:

  • Be registered in Singapore
  • Have been operating for at least 6 months
  • Have a minimum annual turnover of $60,000
  • Have at least one Singaporean or PR director/partner

To process your loan application quickly, please prepare the following documents:

  • Business profile from ACRA
  • Latest financial statements
  • Latest 6 months’ bank statements
  • Directors’ or partners’ NRIC and proof of residential address
  • Other relevant financial documents (e.g., accounts receivable, accounts payable)

Applying for a business loan with Unilink Credit is straightforward:

  1. Fill out our online application form or visit our office
  2. Submit the required documents
  3. Meet with our loan officer for a brief discussion about your business needs
  4. Receive our loan offer and terms
  5. If you accept, sign the loan agreement
  6. Receive your funds

At Unilink Credit, we believe in transparency and responsible lending. Here’s what you need to know about our business loans:

  • Interest rates: Our rates comply with the caps set by Singapore’s Ministry of Law
  • Loan amounts: The maximum amount depends on your business’s financial health and our assessment
  • Repayment period: Flexible terms tailored to your business needs
  • Administrative fees: A small fee may be charged for processing your loan
  • Late payment fees: These apply if you miss a repayment deadline


We encourage all borrowers to carefully consider their ability to repay before taking out a loan. Our loan officers can help you calculate your repayments and ensure the loan fits within your business’s budget.

We offer various repayment options to make it convenient for your business:

  • GIRO: Set up automatic monthly deductions from your business bank account
  • Bank transfer: Transfer your repayments directly to our account
  • Cheque: Send post-dated cheques for your repayments
  1. Create a repayment plan: Factor loan repayments into your business’s cash flow projections
  2. Use the loan strategically: Invest the funds in areas that will generate returns for your business
  3. Keep accurate records: Maintain clear financial records to track the impact of the loan on your business
  4. Communicate with us: If you face difficulties in repayment, reach out to us immediately to discuss options
  1. Fuel Growth: Invest in new equipment, expand your premises, or hire additional staff
  2. Manage Cash Flow: Bridge gaps in cash flow, especially for businesses with seasonal fluctuations
  3. Seize Opportunities: Act quickly on business opportunities without depleting your working capital
  4. Build Credit: Responsibly managing a business loan can help improve your company’s credit score

As a licensed moneylender, Unilink Credit adheres strictly to Singapore’s moneylending laws, which protect all borrowers, including businesses:

  • Interest rate caps: We comply with the maximum interest rates set by law
  • Loan amount limits: We adhere to the borrowing limits based on your business’s financial status
  • Transparent contracts: Our loan agreements are clear, with all terms and conditions explained

Why Unilink Credit is Your Best Choice for Business Loans

  1. Experience with SMEs: We have extensive experience working with small and medium enterprises in Singapore
  2. Quick Decision-Making: Our streamlined process allows for fast loan approvals, crucial for businesses
  3. Personalized Service: Our loan officers provide individualized attention to each business, offering advice tailored to your specific situation
  4. Ongoing Support: We’re here to support your business beyond just providing a loan, offering financial advice when needed

Choose Unilink Credit for Your Business Loan Needs

When your business needs financial assistance to grow or manage cash flow, trust Unilink Credit to provide a loan solution that meets your needs. Our commitment to ethical lending practices, competitive rates, and excellent customer service makes us a top choice for business loans in Singapore.

Ready to take your business to the next level? Apply for a business loan with Unilink Credit today. Visit our office or fill out our online application form to start your journey towards business growth and success.

Remember, borrow responsibly and always ensure your business can meet the repayment terms before taking out a loan. At Unilink Credit, we’re here to help you navigate your financial needs and support your business’s success in Singapore’s competitive market.

Apply Now

We pride in being one of the most trusted Money Lender in Singapore, and we invite you to call us for any unique loan request in the city. Our business is duly licensed and the services we offer are all regulated by the Registry of Moneylenders.

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