Starting up, maintaining or expanding a business is not a simple task. It requires long term commitment of not only time and effort, but capital resources.
Sometimes a company will encounter cash flow problems when there is inadequate cash on hand or asset liquidity to cover the financial needs, especially during the most recent Covid-19 pandemic period. Therefore, Trillion Credit has decided to extend financial assistance for businesses to overcome their financial hurdle.

There are generally 4 types of loans offer to a company for business purposes:

1) Standard Business Loan
The purpose of this loan is to finance a large purchase of your business such as equipment or new facilities for business expansion.

2) SME Working Capital Loan
As a small business or small-to-medium enterprise (SME) owner, often you are required to furnish resources to maintain your business sustainability.
SME Working Capital Loan is mainly to finance a company’s daily operations or short term operational needs. This includes costs such as payroll, rent, advertising expense and short term debt payment.

3) Bridging Loan
Also known as interim financing, gap financing or swing loans. As the name suggests, basically this is a loan to bridge the gap during times when financing is needed urgently but not ready or available yet.
It allows the company to meet current obligation with immediate cash flow and reduce its monthly cash outflow with deferral of principal repayment.
That means you would only need to service the interest during the loan period, and make the full payment in a lump sum once you have received the sales proceeds from your asset or property transaction.

For example,
You are expecting to conclude a sale of an asset and use the proceeds to buy another asset. However, you are in need of cash to buy the new asset before receiving the proceeds to bridge the settlement periods between accounts receivable and payable; or
When you receive a contractual project but pending proceeds from end-purchasers or end-financiers, so bridging loan covers the cost of the project before obtaining long term funding.
Trillion Credit provides you with the necessary fund to make up for the shortfall until you receive the proceeds.

4) Startup Business Loan
This is an unsecured term loan for young startups that registered and operate in Singapore between 1 to 2 years.
Banks typically don’t lend to businesses with no operating history. Trillion Credit provides small businesses with loan packages tailored to suit your need.

Trillion Credit offers short to long term business loans to meet with different financial situations a company encounters. As a reputable licensed moneylenders in this industry, our business loan packages provide the following unique features:
1) Fast Application Process
2) Low Interest Rate
3) Professional Advice
4) Customise and Flexible Loan Tenure
5) Quick Approval
6) High Confidentiality and Security of your Information
7) Credit Score Improvement


  • Be a business entity that is registered and physically present in Singapore, and
  • At least 30% local equity held directly or indirectly by Singaporean(s) and/or Singapore PR(s), determined by the ultimate individual ownership
  • Be operational for at least 2 years, except for Startup Business Loan


Trillion Credit requires at least one guarantor for business loan, usually the founder or a director of the company who will be liable to pay the outstanding should the business fails to repay.

1) Copy of NRIC and latest 2 years NOA of all owners/directors/partners/sole proprietor/guarantor(s)

2) Last 6 months’ corporate bank statements

3) Lastest ACRA business profile

4) Proof of future source of fund such as business invoice and contract

5) Tenancy agreement for the company premises and site visit photos

To improve your profile and increase the chances of approval, you may provide the following documents:
6) Financial reports
– Last 2 years’ audited accounts or certified financial statements; or
– Internal draft management accounts which minimally reflect the profit and loss statement and balance sheet for companies who qualified for audit exemption.

7) Last four quarters of GST Form F5 for GST registered company

8) Latest debtor’s and creditor’s ageing payment list
– Lists down the name of your clients and the amount that you are expected to receive from them for the products or services you have rendered.

9) Existing loan facilities (if any)
– If you have existing SME financing facilities from other banks, you would need to furnish the details: Names of the lenders, type of facilities, outstanding amount and tenure, interest rate and monthly instalment.

10) Brief write up on company’s information
– Including company’s business nature, key customers, management profile, working capital requirements and projected future plans

*Collateral offer lower interest rates and/or administrative fees: Assets such as real estate, business equipment or unpaid customer invoice receivables.