APPROVAL IN PRINCIPLE WITHIN 1 HOUR

Get funded in as fast as
24–48 hours.

Up to $500,000 in SME financing. We compare 20+ banks so you apply once — free eligibility check, no obligation.

★★★★★Trusted by SG SMEs since 2020
No Singpass · confidential
ASCENT · LOAN ASSESSMENT
Your Best Loan Options
Matched
4
EST. ELIGIBLE
$420,000
FROM RATE
2.88% p.a.
A
Bank A · Term LoanUnsecured · 5 yr tenure
$180,0002.88% p.a.
B
Bank B · Working CapitalGovt-assisted scheme
$150,0003.25% p.a.
C
Financier C · InvoiceRevolving facility
$90,000From 3.6%
High approval match for your profile
Approvedin principle · 1 hr
DISBURSED IN
24–48 hrs
20+Banks & lenders compared
$500KMax unsecured financing
1 hourApproval in principle
24–48hTypical disbursement
Free eligibility check

See how much your business can borrow — in minutes.

Tell us a little about your business and one of our loan specialists will send your best options over WhatsApp. No obligation, no impact on your credit score to enquire.

  • One application compared across 20+ banks & licensed lenders
  • Approval in principle within 1 hour during business hours
  • We can help even if a bank has already rejected you
  • 100% confidential · no Singpass needed to enquire

Get my loan options

Takes under 60 seconds · free & no obligation

By submitting you agree to be contacted about your enquiry. Your details stay strictly confidential — see our Privacy Policy.

or call / WhatsApp us now at +65 8833 8345
Simple & fast

Funded in 3 easy steps

No queuing at the bank, no comparing packages yourself. We do the legwork and bring you the best offers.

1

Send a quick enquiry

Share a few basic details in under 60 seconds. Free eligibility check with no obligation and no Singpass required to enquire.

2

We compare 20+ banks

Your dedicated specialist matches your profile against 20+ banks and licensed lenders, then negotiates the best rate and structure for you.

3

Get approved & funded

Receive your approval in principle within the hour and, once documents are verified, funds are typically disbursed in 24–48 hours.

Why Ascent

The smarter way for SMEs to get financing

One trusted partner, access to the whole market, and a much higher chance of approval.

🏦

Access to 20+ lenders

Apply once and we shop your case across major local & international banks and licensed financiers — no need to approach each one yourself.

Approval in 1 hour

Get an approval-in-principle within the hour and funds in as fast as 24–48 hours, so you never miss a cash-flow deadline.

📈

Higher approval odds

We know each lender's criteria and package your application to match — often securing a yes even after your own bank said no.

🛡️

No obligation, confidential

Your eligibility check is free and private. You only proceed if you're happy with the offer on the table.

👥

Dedicated specialist

A real person guides you end-to-end — from documents to disbursement — not a call-centre queue.

🏗️

Every type of financing

Working capital, unsecured term loans, invoice financing, property-backed and government-assisted schemes — all in one place.

Financing options

Loans matched to your business

Whatever you need the funds for, there's a facility that fits. We'll recommend the right one for your situation.

💵

Unsecured Business Term Loan

Up to $500,000 with no collateral. Fixed monthly repayments over up to 5 years — ideal for expansion, hiring or equipment.

💰

Working Capital Loan

Smooth out cash flow, cover payroll or restock inventory with flexible working-capital financing, including government-assisted schemes.

🧾

Invoice / Trade Financing

Unlock cash tied up in unpaid invoices or fund purchase orders with a revolving facility that grows with your sales.

🏢

Secured & Property Financing

Larger quantums at lower rates using property or assets as security — for major investments and refinancing.

Do you qualify?

Most Singapore SMEs are eligible

If you tick the boxes below, there's a strong chance we can secure financing for you. Not sure? Send an enquiry — we'll tell you for free.

  • Business registered in Singapore (Pte Ltd, LLP or sole proprietor)
  • Trading for 6 months or more (some lenders accept from 3 months)
  • At least one local director or guarantor
  • A track record of business revenue — new and previously rejected businesses welcome to ask
$500,000

estimated financing available for a qualifying SME — from just 2.88% p.a.*

Check my eligibility →
SME owners we've helped

Trusted by Singapore business owners

★★★★★

“Applied in the morning and had approval in principle by lunch. Funds came through in two days — saved our restocking season.”

J
Jason L.F&B, Singapore
★★★★★

“My own bank rejected me, but Ascent found a lender that said yes. The specialist handled everything and kept it confidential.”

R
Rina S.Retail & e-commerce
★★★★★

“No need to run around to different banks. One chat, best options compared, and a rate lower than I expected. Highly recommend.”

M
Marcus T.Construction & services
Good to know

Frequently asked questions

How fast can I actually get the money? +
You can receive an approval in principle within 1 hour during business hours. Once your documents are verified and the lender gives final approval, funds are typically disbursed within 24–48 hours.
How much can my business borrow? +
Eligible SMEs can access up to $500,000 in unsecured financing, and more with secured, property-backed or invoice financing. The exact amount depends on your revenue, credit profile and the lender.
What interest rate will I pay? +
Rates start from 2.88% p.a. for strong profiles. Your final rate depends on the loan type, your business profile and the lender. Because we compare 20+ banks, we work to secure the most competitive package available to you.
Do I need Singpass to enquire? +
No. You can get a free eligibility check over WhatsApp with no Singpass required. Singpass or MyInfo may only be used later if and when you choose to formally apply to a bank.
Can I apply if a bank already rejected me? +
Yes. Different lenders have different criteria, and because we compare 20+ banks and licensed financiers, we can often find an approval even when your own bank has said no.
What documents will I need? +
Typically your NRIC, ACRA business profile, the latest 6 months of bank statements and your financial statements. Your specialist will give you the exact checklist for your chosen lender.
Is there any cost or obligation? +
The eligibility check is completely free with no obligation. You only move forward if you're happy with the offer. All enquiries are kept strictly confidential.
Ready when you are

Get your free loan options today

Approval in principle within the hour. Funds in as fast as 24–48 hours. See what your business qualifies for — no obligation.

Get funding now →
or WhatsApp / call +65 8833 8345
Ascent Consultancy

Helping Singapore SMEs secure fast, affordable business financing by comparing 20+ banks and licensed lenders — with one simple application.

+65 8833 8345 WhatsApp & phone · Mon–Fri, 9am–6pm
Ascent Consultancy is a business financing consultancy that helps Singapore SMEs compare and apply for loans from licensed banks and financial institutions. We are not a bank or a licensed moneylender. All loans are subject to the respective lender's approval, terms and conditions. Interest rates and figures shown (including “from 2.88% p.a.” and “up to $500,000”) are indicative only and vary based on your business profile, the lender and prevailing market conditions. Approval and disbursement timelines depend on the lender and the completeness of your documents.