Flexible Business Loans in Singapore for SMEs and Entrepreneurs

A business loan is a type of financing offered to business owners to fund various operational needs, including startup costs, working capital, expansion, inventory purchase, or payroll.

At Horison Credit, we offer unsecured SME loans without the need for collateral, so you can access capital faster without risking personal or business assets.

A business loan can help you:

• Maintain healthy cash flow
• Fund business expansion or renovations
• Purchase stock or equipment
• Cover payroll or seasonal costs
• Consolidate existing business debts

It’s a flexible financing tool to help your business grow or stay resilient during challenging periods.

Horison Credit offers a range of flexible financing solutions to support different business needs. Our common business loan types include:

• Working Capital Loans: For daily operations and cash flow stability
• Invoice Financing: Unlock cash tied up in unpaid invoices
• Purchase Order Financing: Fund supplier payments to fulfil large orders
• Payroll Financing: Ensure timely salary disbursement for your employees

Loan packages can be customised based on your company’s size, sector, and financing goals.

Applying for a business loan with Horison Credit is quick and straightforward.

Here’s what to expect:

• Apply online using our simple application form
• Prepare your business documents ahead of time for faster processing
• Receive in-principle approval in as fast as 60 minutes
• Complete in-person verification at our office for fund disbursement

Business owners can get their loan approved and disbursed on the same day if all documents are in order.

To qualify for a business loan, your company must meet these criteria:

• Business type: ACRA-registered Private Limited Company
• Residency: At least one director must be a Singaporean, Permanent Resident, or foreigner residing in Singapore
• Business age: Operating for a minimum of 6 months

Horison Credit offers fast approvals within 60 minutes, provided all required documents are submitted.

Same-day processing is possible with complete paperwork.

No. Horison Credit offers unsecured business loans. This means:

• No collateral is required
• Your personal or business assets are not at risk
• Loan approval is based on your revenue and repayment ability

This makes our loans more accessible for SMEs and self-employed individuals in Singapore.

Horison Credit offers unsecured business loans, which means:

• 🛑 No collateral is required – you don’t need to pledge assets like property or equipment
• 💼 Quick access to funding – ideal for businesses that need fast cash without lengthy valuation processes
• 💰 Loan amounts of up to $200,000, subject to your company’s profile and credit assessment

This allows you to secure funding without risking your business or personal assets.

Once your loan is approved and in-person verification is completed, the funds can be disbursed on the spot at our office.

Fast cash for urgent business needs.

Horison Credit offers SME loans with business-friendly terms and fast turnaround:

• MinLaw-approved practices – We’re a licensed money lender regulated by the Ministry of Law.
• Fast approval process – Get in-principle approval within 1 hour, and same-day disbursement with complete documentation.
• No collateral needed – Apply without pledging business or personal assets.
• 5-star Google Reviews – Thousands of satisfied clients with 5-star reviews
• Tailored support – Our team works with SMEs to structure repayment plans that fit your cash flow.
• Transparent terms – Clear interest rates and fees, with no hidden costs.

Whether you’re a small business owner or self-employed, Horison Credit offers reliable, legal, and efficient access to funding in Singapore.

To apply for a business loan, please prepare the following:

• Company BizFile (ACRA registration)
• Director’s NRIC or Work Pass
• 6 months’ bank statements
• Additional supporting documents may be requested based on your business type

Preparing your documents in advance will help us process your application faster.

Once approved and verified, your business loan will be disbursed via cheque or cash at our office.

Same-day disbursement is available if all documents are in order.

At Horison Credit, we keep things transparent:

• Processing Fee: 0%
• Interest Rate: Based on reducing balance method
• No hidden fees: Everything will be explained upfront

Speak with our loan advisors to understand your customised rate.

Yes. We take your privacy seriously:

• All personal and business information is treated with strict confidentiality
• No data is shared with third parties without consent
• Loan records are only submitted to the Moneylenders Credit Bureau (MLCB) after disbursement

You can apply with full confidence.

Yes. Loan details from licensed money lenders are reported to the Moneylenders Credit Bureau (MLCB), not the Credit Bureau Singapore (CBS).

This record is accessible by other licensed money lenders but not by banks.

Loan amounts depend on your business profile, including:

• Size and industry
• Operating history
• Monthly revenue and expenses

Eligible businesses can borrow up to $2,000,000, subject to approval and credit assessment.

Interest rates are customised based on:

• Your company’s financial profile
• Business performance and risk assessment
• Loan amount and repayment term

We use the reducing balance method for fairer repayments. Final rates will be clearly explained before signing.

Yes, you may still qualify.

At Horison Credit, we don’t reject solely based on credit score. We assess:

• Your business performance
• Ability to repay
• Director’s income and stability

We believe in second chances and practical solutions.

Yes, we can. At Horison Credit, our experienced loan advisors will work with you to assess your business needs and recommend a suitable loan amount.

If you’re unsure where to start, here are common ways business owners use our loans:

• 💼 Boost working capital to stabilise daily operations
• 🛠️ Purchase or upgrade equipment
• 💸 Cover payroll or urgent operating expenses
• 📦 Fulfil large customer orders or replenish stock

You don’t need to know the exact amount upfront. We’ll guide you through the process with a tailored plan that suits your current situation.

Yes, you can still apply. At Horison Credit, we understand that every business starts somewhere, and early-stage companies often need support the most.

We consider applications from:

• Startups and new businesses with no revenue yet
• Sole proprietors, SMEs, or private limited companies
• Directors who can show a viable business plan or personal income

We assess each case individually, so even if your business hasn’t started earning, you may still qualify for funding. Get in touch to explore your options.

We’re here to help.

• Use the Live Chat feature on our website
• Call us at +65 6844 2902
• Submit an enquiry online through our loan application form

Our loan officers will respond promptly during business hours.